Car Insurance in Texas

Texas Auto Insurance Customized To Fit Your Needs

If you’re researching car insurance companies for a Texas car insurance quote or just need information about buying car insurance in Texas, you’ve come to the right place.

Whether you’re headed for a night out on the River Walk in San Antonio or traveling to a football game in Dallas, we’ve got you covered on the road. With the AARP^® Auto Insurance Program from The Hartford,¹ experienced Texas drivers like you can have peace of mind knowing you’re protected.

Texas Car Insurance State Minimums

Like many states in America, Texas drivers must carry a minimum coverage of liability insurance.² In Texas, two types of liability coverage are required for car insurance:

Bodily injury liability: $30,000 per person, $60,000 per accident
Property damage liability: $25,000 per accident

This is also known as 30/60/25 coverage, which is considered full coverage in Texas. While these are the minimum amounts of liability coverage for Texas auto insurance, you may need more protection. Why? Think about this scenario and see why having the right amount of coverage is important:

Let’s say you’re driving to work and rear-end another driver in an at-fault accident. The total property damage costs $30,000. You only have the minimum amount of property damage liability coverage, so your car insurance covers $25,000. You now must pay $5,000 out of pocket to cover the rest of the damage costs.

The more liability coverage you carry, the more protection you’ll have on the road.

Additional Texas Car Insurance Coverages Available From The Hartford

For added protection, Texas drivers may be eligible for the following car insurance coverages from the AARP Auto Insurance Program from The Hartford:

Average Car Insurance Cost in Texas

In 2019, the average car insurance cost in Texas was $1,143 annually. The national average cost of car insurance was $1,070 and Texas ranks as the 15th most expensive state when it comes to auto insurance rates.³

What Factors Can Impact My Car Insurance Rates in Texas?

Be aware that different factors can affect car insurance rates, including your:

Geographic location, because a higher populated area with more drivers increases your risk of a car accident.
Driving record since a history of accidents or speeding tickets can increase your policy cost.
Credit scores, which insurance companies use to estimate your risk of having a claim.
Car details, such as your make, model and year.

Special TX Car Insurance Benefits

Texas drivers can be eligible for valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:

New Car Replacement^§§
Disappearing Deductible^‡
Accident Forgiveness^‡
24/7 Car Insurance Claims Service
Roadside Assistance
Savings when bundling auto insurance with your home insurance**

Getting Car Insurance Quotes for Texas Drivers

We know every driver has unique needs, so there’s not a one-size-fits-all car insurance policy. When you’re comparing auto insurance companies, remember the cheapest car insurance isn’t always the best. When it comes to auto insurance quotes, Texas drivers can count on us for an easy and quick process.

Our specialists are here to help you every step of the way to get the full coverage you need. From learning about car insurance quotes to filing a claim, we’ve got your back. We’re here to help you get the right car insurance coverage type.

We can also let you know if you qualify for any discounts or extra benefits for being an AARP member. Get an auto insurance quote today or contact The Hartford and learn how we can start protecting you and your loved ones on the road.

Common Questions About Car Insurance in Texas

Does Car Insurance Follow the Car or the Driver in Texas?

Typically, Texas car insurance coverage follows the car. So, if you have bodily injury and property damage liability insurance for your car, the coverage applies regardless of who is driving.

Is Texas a No-Fault State?

No, Texas is not a no-fault insurance state. This means the person responsible for a car accident or found at fault must pay for damages.

What Happens if You Have a Wreck Without Insurance in Texas?

If you get into an accident and have a lapse in car insurance in Texas, you’ll likely get a ticket from the police. Your car may also get towed or you’ll need a driver with proper insurance coverage to drive it. In addition, if you’re at-fault for the accident, you’ll have to pay any property damage and bodily injury costs out of pocket.

Texas Auto Insurance You Can Trust

We’ve been protecting Texas AARP members and their families since 1984. We’re proud to have earned a reputation as an insurance company with integrity that our customers can trust. In fact, our Texas car insurance claims service regularly receives high customer ratings. You can count on us to help protect you and your loved ones on the road.

To learn more, get a car insurance quote from us today. You can also call our representatives at 888-413-8970 and we’ll make sure you have the coverage you need.

Last Updated: January 5, 2023

²Texas Department of Insurance, “Automobile Insurance Made Easy”

³ Insurance Information Institute, “Facts + Statistics: Auto Insurance"