Auto Insurance in Texas
Green Insurance is a licensed independent agency writing auto insurance in Texas. We compare more than ten A+ rated carriers so you are not taking one company’s word for what a fair price looks like.
What Texas requires
Texas law requires liability coverage of 30/60/25:
That is the legal minimum. It is not what we would recommend.
Why the minimum is risky in Texas
A total loss costs more
$25,000 in property damage sounds like a lot until you total a three-year-old pickup. The average new vehicle costs far more than that, and if the repair or replacement exceeds your limit, you are personally responsible for the rest.
So does one hospital stay
The same applies to the $30,000 injury limit against a single hospital stay.
Coverage worth considering in Texas
Uninsured and underinsured motorist
Texas has a significant share of uninsured drivers. This coverage pays when the other driver is at fault and has nothing.
Comprehensive
Texas hail. If you park outside, this is the coverage that matters most and the one people skip.
Personal injury protection
Texas carriers must offer PIP and you must decline it in writing. It covers your medical bills regardless of fault.
Towing and rental reimbursement
Cheap add-ons that matter on the day you need them.
What affects your Texas rate
Where you park it
A Houston or Dallas ZIP code rates very differently from a rural one.
Driving record
Tickets and at-fault accidents, generally three to five years back.
Credit-based insurance score
Texas allows its use in rating.
Vehicle
Year, make, model, and repair cost.
Annual mileage
Fewer miles, lower risk.
Coverage and deductible
Higher deductible, lower premium, more out of pocket.
Driving without insurance in Texas
Texas verifies coverage electronically. Driving without it brings fines that escalate on a second offense, plus possible surcharges, impound and suspension. A lapse also raises your rate for years afterward. If you are thinking about dropping coverage to save money, call us first — there is almost always a cheaper legal option.
No Social Security number
Several of the carriers we represent will write a Texas policy with an ITIN or a foreign driver’s license. Which ones and under what conditions varies. Ask us instead of assuming you cannot get covered.
Se habla español
Todo el proceso en español, con un agente que lo habla de nacimiento.
Ver esta página en español →Cotiza tu aseguranza de carro →Source: Texas Department of Insurance, checked September 23, 2026.
General information, not legal advice. State requirements can change; confirm current rules with the state. Coverage, limits and availability vary by carrier.
Get a Texas quote
We need your ZIP code, your license or ITIN, the year/make/model, and who else drives it. A licensed agent comes back with real numbers from several carriers. Call 1 (833) 224-5168 or request a quote online.
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