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Texas Car Insurance

There are many places to travel in Texas – historic cities, beautiful state parks, towns along the Gulf of Mexico. When you’re on the road, you want reliable car insurance to help safeguard you from the unexpected. No matter your destination in Texas, Amica will be there to support you.

Amica offers customized Texas car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for insurance that meets your unique needs.

Auto insurance requirements in Texas

In Texas, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $30,000 per person
    • $60,000 per accident
  • Property Damage Liability Coverage:
    • $30,000 per accident

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you’re responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering, and lost wages. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitations and exclusions.

Property damage liability coverage: This is coverage for damage to someone else’s property that you’re responsible for causing in an auto accident. It can apply to the damage of the other person’s vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitations and exclusions.

It’s important to understand that these are just the minimum requirements, and Texas drivers may choose higher coverage limits for added protection.

Additional Texas car coverage considerations

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Texans might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object.
  • Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you’re hurt in a car accident and the responsible party either doesn’t have insurance, or doesn’t have enough insurance. 
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Covers the difference between what you owe on your lease or loan and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance: Around-the-clock assistance for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your vehicle unstuck from the mud.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

Understanding rate factors for Texas auto insurance

There are several factors that impact auto insurance in Texas, including individual circumstances, location, weather patterns and more. Consider these key points:

  • Driving history: Your individual driving record significantly impacts insurance premiums. Texas drivers with a history of accidents or traffic violations typically face higher rates, while those with clean records may have lower premiums.
  • Coverage options and limits: The types and amounts of coverage you choose affects your premiums. Opting for the minimum required coverage in Texas tends to be more affordable, whereas adding optional coverages with higher limits may increase premiums.
  • Vehicle type: The type of vehicle you own, including its safety ratings, repair costs, and specific make and model, are all considered when calculating your insurance premium.
  • Claims in Texas: Insurance rates may be influenced by the frequency and severity of claims filed within your state. Accidents, theft or other incidents could lead to increased premiums for all drivers in Texas.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with Texas car insurance discounts

Amica offers various auto insurance discounts to help Texas drivers save more money on their premiums.1 Here are a few discounts you may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Texas policy premium up front.

If you’re a Texas driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, policyholders can save up to 20% with a multiline discount.1

Facts and figures about Texas

Fun facts about Texas:

  • Lavender isn’t native to the U.S. but is commercially grown in Central Texas. The region is recognized for its lavender fields and hosts annual lavender festivals.2
  • Dr Pepper was invented by pharmacist Charles Alderton in Waco, Texas, during the 1880s. The beverage received its name from one of Alderton’s colleagues; however, the rationale behind this naming remains unclear.2
  • Texas has an extensive network of public roads, exceeding 300,000 miles, which is the highest total of any state in the nation.3

Facts about driving in Texas:

  • If you are new to Texas and need to register your vehicle, first ensure that your Texas car insurance policy meets the state requirements. Then your vehicle must pass inspection in Texas before applying for a title or registration and finally obtaining a driver’s license. New residents must get a Texas license within 90 days.4
  • Texas uses pedestrian hybrid beacons, activated by pedestrians to control traffic at crosswalks. These devices are installed only at marked crosswalks with signs and pavement markings.5
  • Texas requires all drivers to complete the Impact Texas Drivers (ITD) program, which educates them on the dangers of distracted driving through real-life stories. Completion is mandatory before obtaining a Texas driver's license.5

How to get car insurance in Texas

We’re here to guide you through the process of personalizing your car insurance in Texas. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Texas drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get an auto insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Texans can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 75 Fun Facts About Texas: The Lone Star State
3 Texas Department of Transportation
4 Texas Department of Motor Vehicles
5 Texas Driver’s Manual
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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