Texas roads, traffic, and weather can be tough on drivers and their cars. Compare auto insurance options that meet Texas requirements and fit how you drive.
Looking for auto insurance in Texas? Texas requires 30/60/25 liability coverage, and policies include PIP and uninsured motorist options unless you reject them in writing. A Blue Peak advisor can help you choose the right mix.
Whether you commute in Houston traffic or drive rural highways in West Texas, your policy should match your vehicles and your risks.
A personal auto policy is made up of several coverages. Here are the main ones to review.
Liability coverage can help pay for injuries and property damage you cause to others in a covered accident, including legal defense costs. It is the core of every auto policy.
Collision coverage can help pay to repair or replace your car after a crash with another vehicle or object, minus your deductible. Lenders usually require it on financed cars.
Comprehensive coverage can help with theft, vandalism, fire, falling objects, hail, and animal strikes. It is often called "other than collision" coverage.
This coverage can help pay for your injuries when the at-fault driver has no insurance or not enough to cover the loss.
A licensed Blue Peak advisor can review your options and help you request a quote.
The Texas Department of Insurance sets minimum coverage rules for drivers in the state.
Texas law requires at least $30,000 per person and $60,000 per accident for injuries, plus $25,000 for property damage. This is often written as 30/60/25.
All Texas auto policies include personal injury protection, and insurers must offer uninsured/underinsured motorist coverage. You must reject either one in writing if you do not want it.
If you do not own a car but drive borrowed or rented vehicles, a non-owner policy may fit better. See non-owner car insurance in Texas.
Use these questions when you compare quotes or review your current policy:
The Texas Department of Insurance (TDI) licenses the insurers and agents that sell auto insurance in Texas. If you have a question about a claim or a company, TDI's consumer services team can help, and you can confirm any agent's license on the Texas Department of Insurance website.
Texas has some of the most active weather in the country, with hailstorms across North Texas, hurricanes and tropical storms on the Gulf Coast, flash flooding in Houston and the Hill Country, and hard freezes like the February 2021 winter storm. Texas requires at least 30/60/25 liability coverage, and personal injury protection (PIP) is included in every policy unless you reject it in writing.
Blue Peak works with drivers and families in Houston, Dallas, San Antonio, Austin, Fort Worth and El Paso, as well as smaller towns across Texas. Our advisors compare options from multiple carriers and explain how Texas rules apply to your auto insurance before you decide.
Texas requires at least $30,000 per person and $60,000 per accident for injuries, plus $25,000 for property damage.
Texas auto policies include PIP unless you reject it in writing. The same applies to uninsured/underinsured motorist coverage.
Common factors include your driving record, vehicle, ZIP code, annual mileage, coverage limits, deductibles, and claims history. A quote is the best way to see pricing for your situation.
Review it when you buy or sell a car, add a driver, move, pay off a loan, or approach your renewal date.
Many carriers offer both, and some offer a multi-policy discount. An advisor can compare bundled and separate options.
The right auto policy balances cost with the protection you need. Reviewing limits, deductibles, and optional coverages helps you avoid gaps after an accident.
Learn more about our auto insurance options, or see our guide to personal insurance in Texas.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Texas is regulated by the Texas Department of Insurance (TDI). Texas consumers can also get help from the Office of Public Insurance Counsel, which represents consumers on insurance matters.
Before you buy any policy, you can confirm that an agent or agency holds an active Texas license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Texas.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
