Texas Auto Insurance (TX)

State motto of Texas: "Friendship"

Are you interested in saving money on your auto insurance? Insuranceusa.com is the most convenient way you will find to help you save money on your auto insurance rates. The website provides you with the resources you need to make informed choices about insurance and allows you to compare rates so you can find the lowest ones for the policy you need. We work with some of the most reliable insurance companies in the nation, which is why we are able to give you the best coverage with the most affordable rates. Request a quote, compare rates and purchase your policy all in one location.



Get a free quote for your city and get started saving money now. We offer rates for all the cities in Texas.

Information shared by the Insurance Information Institute reveals that residents of Texas have been paying far too much for insurance for several years. However, thanks to InsuranceUSA.com, Texas consumers are now finding more affordable insurance. Traditionally speaking, residents of Texas were paying 7.62% in insurance rate increases annually. Yet the year-to-year price fluctuations from 2004 to 2005 illustrates a .2% reduction in what Texans were paying for insurance; in 2004, a resident of Texas paid $847 for insurance, and in 2005, residents were paying $845 for insurance. InsuranceUSA.com has supplied Texans with highly-advanced technologies which make comparative shopping for insurance a far easier endeavor.

Minimum Insurance Requirements for Texas

The Tort system of insurance exists in Texas. This means that if you are involved in an accident and the other driver is at fault, then that person's insurance is responsible for paying for the damages to your vehicle and the medical costs of anyone hurt in your vehicle. Although there are other states with this same system of insurance, there are differences among the regulations of the states. You can check these regulations in any state by clicking the link on this page that will take you to the State Regulator's page where you will find links to all 50 states.

In Texas, the law is that you should have a minimum coverage of $20,000 for Bodily Injury Liability for each person injured in an accident up to a maximum of $40,000 per accident. You are also required to have Property Damage Liability with a minimum coverage of $15,000. This basic coverage is sometimes called the 20/40/15 coverage.

You are not required by law to have Personal Injury Protection (PIP) as part of your Texas auto insurance policy. Some insurance companies do offer you the option of adding this coverage, which will help pay the cost associated with the reasonable and necessary medical expenses if you or your passengers are injured in an accident.

Another option you can have included in your auto insurance is the Uninsured /Underinsured Motorist coverage, which provides you with the protection you need in an accident with a driver who either does not have any insurance or does not have enough insurance to cover all your damages. You are not required by law to have this coverage, but your insurance company will offer it to you if you want to have it as part of your policy.

Even if you are a high-risk driver, we, at Insuranceusa.com, have a policy to meet your needs at affordable rates. We know that everyone does not have a perfect driving record. Take a look at the statistics on auto thefts and accidents and you will see the importance of having insurance to protect yourself and your passengers. Insuranceusa.com is the ideal online location, where you can get the information you need to purchase an insurance policy. Why not start right now? Just enter your zip code in the box above and request your free quote. You will be surprised to learn how much you can save on auto insurance in the Lone Star State.

If you need information about one of the other states, you can still get the quote you need from Insuranceusa.com. Click on the link for the state you want and get started saving money.

Major Texas Cities

2,016,582	Houston	1,256,509	San Antonio	1,213,825	Dallas
690,252	Austin	624,067	Fort Worth	598,590	El Paso
362,805	Arlington	283,474	Corpus Christi	250,096	Plano
216,346	Garland