-
Choose your coverage
Texas law requires drivers to have a way to pay for accidents they cause. Most people do this by buying liability coverage. There are other coverages you can buy to repair your car, pay for a rental car, and pay for other things.
-
Pick a coverage amount
State law requires a minimum amount of liability coverage to pay for accidents you cause. The most a minimum liability policy will pay for car repairs is $25,000 ($60,000 for multiple cars) and $30,000 for medical bills.
-
Choose a deductible
A deductible is the amount you have to pay before the insurance company will pay a claim. The higher your deductible, the lower your premium.
-
Compare prices and coverage
TDI has resources to help you shop.
- Use our auto insurance shopping guide to learn what questions to ask.
- Use TDI’s HelpInsure to get sample prices and compare policies. Then contact your top choices directly to get up-to-date price quotes.
- Call our Help Line at 800-252-3439 to make sure the company or agent you’re considering is licensed.
- Get price quotes from several companies. You can use an independent agent to help you get quotes.
-
Ask about discounts
Most companies offer discounts. Some discounts are for taking a defensive driving class or having a good driving record. Discounts may also be offered for putting more than one car on your policy, or for bundling your auto and home insurance with the same company.
-
Avoid gaps in coverage
Never cancel a policy until you get your new policy or a written statement that proves you have coverage.
-
Trouble finding insurance?
Keep shopping if a company turns you down. If you can’t find an insurance company to sell you a policy, contact the Texas Automobile Insurance Plan Association (TAIPA).
Resources
- Lower your car insurance rates: Tips for saving money
- Other ways to get auto, home, and wind insurance in Texas
- Was your auto insurance not renewed or canceled?
- What are the different types of car insurance coverages? (video)
- What kind of auto insurance do you need? (video)
- What is uninsured motorist coverage, and do I really need it?
- How are your auto and homeowners insurance costs calculated?