# Texas Car Insurance Guide (2026): Coverage, Costs, Quotes > Texas requires 30/60/25 liability. Learn what PIP, uninsured motorist, collision and comprehensive cover, what Texas car insurance costs and how to decide. Source: https://www.robinsonlegacypartners.com/blog/auto-insurance/texas-car-insurance-guide-coverage-costs-and-quote-decisions/ [Home](https://www.robinsonlegacypartners.com/) / [Blog](https://www.robinsonlegacypartners.com/blog/) / [Auto Insurance](https://www.robinsonlegacypartners.com/blog/auto-insurance/) / Guide [Auto Insurance · Texas guide](https://www.robinsonlegacypartners.com/auto-insurance) # The Texas Car Insurance Guide. Coverage, costs and the quote decisions that matter. Your renewal went up, your teen just got a license, or you’re not sure what 30/60/25 actually pays. Here’s how Texas car insurance works: the coverage the law requires, what drives the cost, and how to decide on a quote. Free Texas quote · 30 seconds Start with your ZIP. Please enter a valid 5-digit ZIP code. Prefer to talk it through? [(817) 262-5300](tel:+18172625300) Almost done Where should we send it? We'll usually reach out within one business day. Auto Home Home + Auto bundle Condo Renters Landlord / rental Flood Life Motorcycle RV / motorhome Business By clicking **Get My Free Quote**, I give Robinson Legacy Partners LLC, an Allstate agency, and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (817) 262-5300 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://www.robinsonlegacypartners.com/privacy) and [Terms of Use](https://www.robinsonlegacypartners.com/terms), including the [arbitration clause](https://www.robinsonlegacypartners.com/terms#arbitration) and [E-SIGN consent](https://www.robinsonlegacypartners.com/terms#esign). Please complete every field with a valid phone and email. ✓ You're all set A licensed agent on our Arlington team will usually reach out within one business day about your auto quote. Rather talk now? [Call (817) 262-5300](tel:+18172625300) Mon–Fri 8:30 AM – 5:00 PM · Help in 7 languages ★★★★★ **4.8** from 100+ Google reviews · Licensed Texas agency · Help in 7 languages By the **Robinson Legacy Partners Team**· Reviewed by [**Clarence Robinson II**](https://www.robinsonlegacypartners.com/about-clarence-robinson), Allstate Agent· Updated September 29, 2026· 15 min read· Arlington, TX The Short Version ## Texas car insurance, in 60 seconds * **Texas car insurance starts with 30/60/25 liability coverage, but your costs and your protection depend on the quote decisions you make on top of it.** The legal minimum pays other people when you cause a crash. It doesn’t fix your own car. * **PIP and uninsured motorist coverage come with the offer.** Insurers must include PIP and offer UM/UIM coverage, and you can turn either one down only in writing. * **Roughly one in eight Texas drivers is uninsured.** TxDMV estimated 11.87% as of September 2025, which is why uninsured motorist coverage matters. * **“Full coverage” isn’t a legal term.** It usually means liability plus collision and comprehensive, and comprehensive is the coverage that pays for hail damage to your car. * **Texas premiums run above the national average.** The NAIC put Texas’s 2023 average auto expenditure at $1,428.94, against $1,281.60 nationally. That’s context, not your quote. * **Do this:** review your limits, deductibles and listed drivers with a licensed agent before renewal, and again whenever you add a car or a teen driver. Maybe your renewal notice came in higher than last year. Maybe your 16-year-old just passed the driving test, or you’re signing for a new truck and the dealer wants proof of insurance before you drive off the lot. Or maybe you’ve carried the same Texas car insurance for years and never looked past the price. Most drivers don’t read their auto policy until they need it, after a crash or a hailstorm. This guide is the version you read before. We’ll cover what Texas law requires, what PIP and uninsured motorist coverage do, how liability, collision and comprehensive fit together, what premiums look like, and how to decide on a quote without cutting the coverage that protects you. It’s written by our team in Arlington, so the examples lean North Texas: hail, I-20 and I-30 commutes, and busy households with more than one driver. Free policy review Want a second set of eyes on your auto policy? Send your ZIP and we’ll walk through your liability limits, uninsured motorist coverage and deductibles with you. No spam, no obligation. What do you need? Auto Home Home + Auto bundle Condo Renters Landlord / rental Flood Life Motorcycle RV / motorhome Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(817) 262-5300](tel:+18172625300) · Mon–Fri 8:30 AM – 5:00 PM 4.8★ · 100+ Google reviews · Licensed Texas agency · Help in 7 languages Almost done Where should we send it? We'll usually reach out within one business day. By clicking **Get My Free Quote**, I give Robinson Legacy Partners LLC, an Allstate agency, and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (817) 262-5300 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://www.robinsonlegacypartners.com/privacy) and [Terms of Use](https://www.robinsonlegacypartners.com/terms), including the [arbitration clause](https://www.robinsonlegacypartners.com/terms#arbitration) and [E-SIGN consent](https://www.robinsonlegacypartners.com/terms#esign). Please complete every field with a valid phone and email. ✓ You're all set A licensed agent on our Arlington team will usually reach out within one business day about your auto quote. Rather talk now? [Call (817) 262-5300](tel:+18172625300) Mon–Fri 8:30 AM – 5:00 PM · Help in 7 languages ## What car insurance does Texas require? **The short answer:** As of September 2026, Texas requires liability coverage of at least 30/60/25 for any car you drive, plus proof of insurance you can show on request, according to the Texas Department of Insurance. Those three numbers mean **$30,000** for injuries per person, up to **$60,000** for injuries per accident, and **$25,000** for damage to other people’s property, according to TDI’s [auto insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb020.html). The limits are written into [Texas Transportation Code § 601.072](https://statutes.capitol.texas.gov/Docs/TN/htm/TN.601.htm) and have applied since January 1, 2011. In Texas, the driver who causes a crash is responsible for the damage, and TDI says state law requires drivers “to show proof they can pay for the accidents they cause.” Most people do that with auto liability insurance. Liability works in one direction. It pays for the **other** driver’s car and the other people’s medical bills when you’re at fault. It doesn’t fix your car or treat your own injuries. **Proof of insurance.** Under Transportation Code § 601.053, you can show proof with your policy or insurance card, a binder, or an image on your phone. The state also checks in the background. TexasSure, a joint project of the Texas departments of motor vehicles, insurance, public safety and information resources, is an automated database that identifies vehicle owners without required coverage, according to [TxDMV](https://www.txdmv.gov/motorists/register-your-vehicle/texassure-insurance-verification). If TexasSure can’t match your vehicle to a policy, TxDMV’s sample notice asks the owner to verify coverage within 10 days. **Penalties for driving without insurance.** Under § 601.191, a first conviction carries a fine of **$175 to $350**, and a later conviction **$350 to $1,000**, plus court costs. After a second conviction, your license can be suspended unless you keep proof of financial responsibility on file with the state (§ 601.231), and the vehicle you were driving can be impounded if you own it (§ 601.261). The bigger risk is the crash itself: without insurance, you’d personally owe for the people and property you damage. And remember, the minimum is a legal floor, not a recommendation. ## What are PIP and uninsured motorist coverage, and do you need them? **The short answer:** Texas insurers must include personal injury protection (PIP) and offer uninsured/underinsured motorist (UM/UIM) coverage on every auto liability policy, and you can turn either one down only in writing. [Texas Insurance Code chapter 1952](https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1952.htm) says an insurer can’t issue an auto liability policy here without them unless the named insured rejects them in writing (§§ 1952.101 and 1952.152). Once you’ve rejected one, a renewal doesn’t have to include it again unless you ask in writing, so a signature from years ago can still shape your policy today. **Personal injury protection (PIP)** pays medical bills for you and your passengers, plus lost wages and other nonmedical costs, according to TDI. The [Office of Public Insurance Counsel](https://www.opic.texas.gov/news/pip-vs-medpay/) explains that companies must provide at least **$2,500 per person** in PIP unless you reject it in writing, and that PIP pays 80% of lost wages. It covers expenses incurred within three years of the accident. Medical payments coverage sounds similar but isn’t: OPIC notes that companies aren’t required to offer it and that it doesn’t pay lost wages. **Uninsured/underinsured motorist coverage (UM/UIM)** pays if you’re hit by someone who didn’t have insurance or didn’t have enough to pay your medical and car repair bills, according to TDI. 11.87% of Texas drivers were estimated to be uninsured as of September 2025, roughly one in eight, according to the [Texas Department of Motor Vehicles](https://www.txdmv.gov/motorists/register-your-vehicle/texassure-insurance-verification). Our view is simple: keep both unless you have a specific, informed reason not to, and set your UM/UIM limits to match your liability limits. When we review an auto policy, a written UM/UIM or PIP rejection is one of the first things we look for, because many people don’t remember signing it. **Reviewed by Clarence Robinson II.** Clarence is an Allstate agent and the owner of Robinson Legacy Partners in south Arlington. He's an entrepreneur with more than 20 years in business who became an Allstate agent in 2024, and his team helps Texas families in seven languages. "Insurance works best when it's understood." ## Liability, collision and comprehensive: what’s the difference? **The short answer:** Liability pays for damage you cause to others, collision pays to fix your own car after a crash, and comprehensive pays for theft, hail, flood, fire and vandalism; only liability is legally required. You won’t find “full coverage” in Texas law or on TDI’s list of auto coverages. When people say it, they usually mean liability plus collision and comprehensive. A policy that meets the legal minimum can still leave you paying for your own car. Here’s how the main Texas auto coverages line up: Source: Texas Department of Insurance, [Auto insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb020.html) (updated December 2025), Texas Insurance Code ch. 1952 and OPIC. Your policy’s wording controls. | Coverage | What it pays for | Required in Texas? | | --- | --- | --- | | Liability | The other driver’s car and the other people’s medical bills when you cause a crash. | RequiredAt least 30/60/25. | | Personal injury protection (PIP) | Medical bills for you and your passengers, plus lost wages and other nonmedical costs. | IncludedUnless you reject it in writing. | | Uninsured/underinsured motorist | Your medical and car repair bills when the driver who hit you has no insurance or too little. | Must be offeredReject only in writing. | | Collision | Repairing or replacing your car after an accident. | OptionalYour lender will require it on a financed car. | | Comprehensive | Theft, and damage from fire, flood, hail, vandalism or anything other than a collision. | OptionalYour lender will require it on a financed car. | | Medical payments | Medical bills for you and your passengers, including when you ride in someone else’s car. | OptionalCompanies don’t have to offer it. | TDI is direct about loans: if you still owe money on your car, your lender will require collision and comprehensive. Once the car is paid off, keeping them is your call. Our [auto insurance page](https://www.robinsonlegacypartners.com/auto-insurance) covers the options we can quote for Texas drivers. North Texas watch-out**Hail on a parked car.** Texas led the nation with **902** major hail events (hailstones one inch or larger) in 2025, according to the [Insurance Information Institute](https://www.iii.org/fact-statistic/facts-statistics-hail), citing NOAA’s Storm Prediction Center. TDI’s [spring storm tips](https://www.tdi.texas.gov/news/2026/tdi04162026.html) (April 2026) note that comprehensive “covers damage to your car from flood, hail, fire, and wind.” With liability only, hail damage to your car is yours to pay. With comprehensive and a $1,000 deductible, a $5,200 hail repair would leave the policy paying about $4,200, depending on your policy and the adjuster’s findings. Hail on your **car** is an auto question; hail on your ** roof** is a homeowners question, with its own deductible that’s often a percentage of your dwelling limit. Our [Texas home insurance guide](https://www.robinsonlegacypartners.com/blog/home-insurance/texas-home-insurance-guide-coverage-costs-and-buying-decisions/) covers the roof side. ## How much liability coverage does a Texas household actually need? **The short answer:** Enough to protect what you own and earn, which for many households means limits well above the 30/60/25 minimum, because costs beyond your limits can come back to you personally. TDI puts it plainly: “If you don’t have enough coverage, you’ll have to pay the difference yourself.” One serious crash with a newer vehicle or more than one injured person can go past the minimum quickly: Illustrative example · not a quote North Texas example: you rear-end a pickup in stop-and-go traffic on I-30, and you’re at fault. The other driver’s medical bills come to **$40,000**, the passenger’s to **$15,000**, and the pickup, worth **$38,000**, is totaled. That’s **$93,000** in damage. * With **30/60/25** limits, the policy pays up to $30,000 for the driver and $15,000 for the passenger ($45,000, under the $60,000 per-accident cap), plus $25,000 for the pickup. That’s $70,000, leaving **$23,000** ($10,000 + $13,000) that could come back to you. * With **100/300/100** limits, each amount falls inside its limit, so the limits are high enough for all **$93,000** in this example. Real claims can also include lost wages, pain and suffering and legal costs, and how any claim is paid depends on your policy and the facts. There’s no single right number, but there are good questions. **What could a lawsuit reach?** Home equity, savings and future wages all count. ** Who drives your cars?** A newly licensed teen or a long daily commute on I-20 changes the odds. ** What do you carry on the other side?** Your UM/UIM limits usually shouldn’t be lower than your liability limits, or you’re protecting strangers better than your own family. When we review an auto policy, the liability line is the first thing we read, before the price. We usually price two or three limit levels side by side so you can see each step up in dollars. 30-second request Want us to check whether your liability limits fit your household? Two fields to start. A licensed agent on our Arlington team will show you what your limits would and wouldn’t pay after a serious crash. What do you need? Auto Home Home + Auto bundle Condo Renters Landlord / rental Flood Life Motorcycle RV / motorhome Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(817) 262-5300](tel:+18172625300) · Mon–Fri 8:30 AM – 5:00 PM 4.8★ · 100+ Google reviews · Licensed Texas agency · Help in 7 languages Almost done Where should we send it? We'll usually reach out within one business day. By clicking **Get My Free Quote**, I give Robinson Legacy Partners LLC, an Allstate agency, and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (817) 262-5300 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://www.robinsonlegacypartners.com/privacy) and [Terms of Use](https://www.robinsonlegacypartners.com/terms), including the [arbitration clause](https://www.robinsonlegacypartners.com/terms#arbitration) and [E-SIGN consent](https://www.robinsonlegacypartners.com/terms#esign). Please complete every field with a valid phone and email. ✓ You're all set A licensed agent on our Arlington team will usually reach out within one business day about your auto quote. Rather talk now? [Call (817) 262-5300](tel:+18172625300) Mon–Fri 8:30 AM – 5:00 PM · Help in 7 languages ## How much does car insurance cost in Texas? **The short answer:** The NAIC put Texas’s 2023 average auto insurance expenditure at $1,428.94 a year, above the $1,281.60 national figure; that’s a statewide average, not a quote. These figures come from the National Association of Insurance Commissioners’ [2023 Auto Insurance Database Average Premium Supplement](https://content.naic.org/sites/default/files/aut-db_1.pdf), released in July 2025, which draws on data that includes the Texas Department of Insurance. As of September 2026, they’re the latest state-by-state NAIC figures we could find. The same report shows Texas at **$1,233.39 in 2022**, so 2023 was a sharp one-year jump. Source: NAIC, [2023 Auto Insurance Database Average Premium Supplement](https://content.naic.org/sites/default/files/aut-db_1.pdf) (July 2025). Statewide averages, not quotes. Liability figures rounded as published. | 2023 measure | Texas | United States | | --- | --- | --- | | Average expenditure | **$1,428.94** | $1,281.60 | | Combined average premium | **$1,726.91** | $1,438.46 | | Liability average premium | about $798 | about $737 | | Collision average premium | $529.05 | $463.69 | | Comprehensive average premium | $400.01 | $238.21 | Why two different Texas totals? Average expenditure divides all liability, collision and comprehensive premium by the number of insured cars and assumes every car carries liability but not necessarily collision or comprehensive, while the combined average premium adds up the average cost of all three, as if every car carried them. Either way, Texas sits above the national average. Notice the comprehensive line, too: Texas’s average was well above the national figure. The NAIC doesn’t say why, but comprehensive is the coverage that pays for hail. None of these numbers is your price. A statewide average blends every driver, car, ZIP code and coverage choice in Texas, so your quote can land well above or below it. Look past the premiumMinimum limits, a rejected UM/UIM and no comprehensive usually mean a lower premium, and a far bigger bill after one bad afternoon on the highway or one spring hailstorm. Read the **limits** and ** deductibles** next to the price. ## What moves a Texas car insurance premium? **The short answer:** Your driving record, where you live and drive, who is on the policy, the car and your credit score all matter, according to TDI, along with the limits and deductibles you choose. TDI doesn’t set auto rates; companies file their rates and premium formulas with TDI, according to TDI’s [guide to how premiums are calculated](https://www.tdi.texas.gov/consumer/how-are-your-auto-and-homeowners-insurance-costs-calculated.html), and TDI’s auto guide notes that Texas law requires rates that are “fair, reasonable, and adequate for the risks they cover.” Each company weighs these factors its own way: Driving record ### Accidents, tickets and claims TDI lists your driving record and claims history first among the factors companies use. Location and mileage ### Where you live and drive Your ZIP code and how much you drive both count. A long daily I-20 or I-30 commute adds miles. Drivers ### Who’s on the policy TDI lists age, gender, marital status and occupation. A newly licensed teen changes the picture. Vehicle ### The car itself What it would cost to replace the car you drive. Pricier vehicles generally cost more to repair or replace. Credit ### Your credit score Texas companies can use credit in pricing, and a 2025 law now requires a regular refresh (see below). Your choices ### Limits and deductibles Higher limits cost more. Higher collision and comprehensive deductibles generally lower the premium and raise what you pay at claim time. **Discounts are real, but they vary.** TDI says “each company decides what discounts to offer and the amount of the discount,” and lists examples such as safety features, defensive driving courses, multiple vehicles, bundled policies and good driving records. If your bill is rising, TDI suggests asking your company to explain the increase and whether you’re getting every discount available. What’s changed recentlyThree 2025 Texas laws touch auto policies, according to TDI [Commissioner’s Bulletin B-0012-25](https://www.tdi.texas.gov/bulletins/2025/b-0012-25.html) (August 5, 2025): * **SB 1644 (credit):** insurers that use credit must review and update each insured’s credit report at least every three years, reassess the rating and adjust the premium based on the updated score, for policies issued or renewed after January 1, 2026. * **SB 458 (appraisal):** personal auto policies must include an appraisal provision to resolve disputes about the amount of a loss, for forms issued or renewed after January 1, 2026. * **SB 213 (bundling):** insurers can’t require you to buy your home and auto policies from the same or an affiliated company, effective September 1, 2025. ## How do you decide on a Texas car insurance quote? **The short answer:** Read the coverage before the price, checking liability and UM/UIM limits, PIP, deductibles and every listed driver and car, then change one decision at a time to see what each one costs. A quote is a set of coverage decisions with a price attached. Two quotes at different prices often aren’t the same coverage: one may carry lower liability limits, a rejected UM/UIM, a higher deductible or a missing driver. Judge a quote at the **same limits** as the coverage you actually want, then adjust. When we put a quote together, we walk through the coverage first and the price second, in this order: 1. **Start with your current declarations page** It lists your drivers, vehicles, coverages, limits, deductibles and premium, according to TDI’s [declarations page guide](https://www.tdi.texas.gov/tips/how-to-read-your-auto-or-home-insurance-declarations-page.html). Use it as your baseline so every change is on purpose. 2. **Set liability limits to protect what you own** Start from the 30/60/25 minimum and ask what higher limits would cost. Think about the home equity, savings and income a lawsuit could reach. 3. **Match uninsured motorist coverage to your liability** With roughly one in eight Texas drivers uninsured, UM/UIM protects your household the way liability protects others. If you rejected it years ago, you can ask for it in writing now. 4. **Decide on PIP on purpose** PIP is included unless you reject it in writing. Ask what limit makes sense alongside your health insurance and paid sick leave. 5. **Pick deductibles you could pay tomorrow** Your collision and comprehensive deductibles are what you pay first on a claim. Choose amounts you could cover from savings after a fender bender or a hailstorm. 6. **List every driver and vehicle accurately** TDI notes that some companies require everyone of driving age in your household to be on the policy. A missing driver or car can create problems at claim time. 7. **Ask which discounts apply to your household** Each company decides its own discounts. Ask about multi-car, bundling, vehicle safety features, defensive driving and good-driver discounts that may fit. For help reading your current policy first, our [Texas insurance policy review guide](https://www.robinsonlegacypartners.com/blog/claims-and-policy-reviews/texas-insurance-policy-review-guide-how-do-you-check-for-coverage-gaps/) walks through a declarations page line by line and explains what to bring to a review. ## Which household changes should trigger a car insurance review? **The short answer:** A new teen driver, a new or paid-off car, a move or new commute, and a new home or apartment are the moments to review your Texas car insurance, ideally before the change happens. Car insurance is written around who drives, what they drive and where. When any of those change, the policy should too. These are the changes Texas families ask us about most: **A teen gets a permit or license.** TDI says you can add a young driver to your policy or buy a separate one, and that adding them “is usually cheaper.” It also says to tell your company when someone in your family starts to drive or turns 16. It’s also a good time to revisit liability limits. We walk families through the options before the road test, not after. **You buy, finance or pay off a car.** A financed car needs collision and comprehensive for the lender. A paid-off car turns those into your decision, and in North Texas, dropping comprehensive means hail damage is on you. **You move or your commute changes.** Where you live and how much you drive are both rating factors, according to TDI. A move across the Metroplex, a new job across I-20 or working from home are all worth a call. **You buy a home or sign a lease.** This is where bundling comes in. Insuring your home or apartment with your cars may lower what you pay, though eligibility and discounts vary, and since SB 213 it’s always your choice. If you’re buying a house, our [guide to Texas homeowners coverage and costs](https://www.robinsonlegacypartners.com/blog/home-insurance/texas-home-insurance-guide-coverage-costs-and-buying-decisions/) explains the other half of that bundle. If you rent, our [guide to renters coverage for Texas tenants](https://www.robinsonlegacypartners.com/blog/renters-insurance/texas-renters-insurance-guide-coverage-cost-and-quote-questions/) covers the belongings and liability a car policy doesn’t. And a new baby, a new mortgage or a first car loan is a natural time to look at income protection, which our [Texas life insurance guide](https://www.robinsonlegacypartners.com/blog/life-insurance/texas-life-insurance-guide-coverage-cost-and-family-decisions/) covers. ## The bottom line Texas car insurance starts with a legal floor of 30/60/25 liability, but that floor only protects other people, and only up to those limits. The decisions that matter most sit above it: **liability limits that fit what you own**, ** uninsured motorist coverage matched to them**, ** PIP you’ve chosen on purpose**, and ** collision and comprehensive deductibles you could actually pay**, especially with North Texas hail. Texas premiums run above the national average, which makes it even more important that the coverage you’re paying for works when you need it. If you’d like a second set of eyes, send us your ZIP below or call [(817) 262-5300](tel:+18172625300). We’ll read your current declarations page with you, show what your limits would and wouldn’t pay, and quote Allstate coverage that fits your household and your cars. You can also start on our [auto insurance page](https://www.robinsonlegacypartners.com/auto-insurance). Our team helps in English, Spanish, Arabic, Hindi, Punjabi, Urdu and Coptic, Monday through Friday from 8:30 to 5. Free Texas quote Get your Texas car insurance quote. Takes 30 seconds. A licensed agent on our Arlington team reviews it personally and usually reaches out within one business day. What do you need? Auto Home Home + Auto bundle Condo Renters Landlord / rental Flood Life Motorcycle RV / motorhome Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(817) 262-5300](tel:+18172625300) · Mon–Fri 8:30 AM – 5:00 PM 4.8★ · 100+ Google reviews · Licensed Texas agency · Help in 7 languages Almost done Where should we send it? We'll usually reach out within one business day. By clicking **Get My Free Quote**, I give Robinson Legacy Partners LLC, an Allstate agency, and its licensed agents my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (817) 262-5300 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://www.robinsonlegacypartners.com/privacy) and [Terms of Use](https://www.robinsonlegacypartners.com/terms), including the [arbitration clause](https://www.robinsonlegacypartners.com/terms#arbitration) and [E-SIGN consent](https://www.robinsonlegacypartners.com/terms#esign). Please complete every field with a valid phone and email. ✓ You're all set A licensed agent on our Arlington team will usually reach out within one business day about your auto quote. Rather talk now? [Call (817) 262-5300](tel:+18172625300) Mon–Fri 8:30 AM – 5:00 PM · Help in 7 languages ## Other questions Texas drivers ask ### Will my car insurance pay for a rental while my car is in the shop? On your own policy, usually only if you carry rental reimbursement, an optional coverage. TDI says it pays for you to rent a car if yours is stolen or being repaired after an accident, and towing coverage pays to tow a car that can’t be driven. Check the limits before you need them. More on our [auto insurance page](https://www.robinsonlegacypartners.com/auto-insurance). ### Can I show proof of car insurance on my phone in Texas? Yes. Texas Transportation Code § 601.053 allows proof of insurance to be shown as an image on a wireless device such as a phone, as well as with an insurance card, policy or binder. Keep a paper card in the glove box too, in case your phone dies. ### Should a Texas teen driver go on the family policy or get their own? TDI says adding a young driver to your existing policy is usually cheaper than buying a separate policy, and that some companies require everyone of driving age who lives with you to be listed. It also says to tell your company when someone in your family starts to drive or turns 16. We can price both ways so you can see the difference. ### Where do I find my auto limits and deductibles? On your declarations page, the summary at the front of your policy. TDI says it lists the policy period, drivers, vehicles and VINs, each coverage with its amounts and deductibles, and your premium and discounts. Liability limits usually appear as three numbers, like 30/60/25. Our [policy review guide](https://www.robinsonlegacypartners.com/blog/claims-and-policy-reviews/texas-insurance-policy-review-guide-how-do-you-check-for-coverage-gaps/) walks through one line by line. ### If I rent, does my car insurance cover my things at home? No. A car insurance policy covers your car and your liability on the road, not the furniture, laptop or clothes in your apartment. Renters insurance is the separate policy for your belongings and personal liability at home, and insuring it together with your car may lower what you pay, depending on eligibility. Our [Texas renters insurance guide](https://www.robinsonlegacypartners.com/blog/renters-insurance/texas-renters-insurance-guide-coverage-cost-and-quote-questions/) explains how it works. ## Texas car insurance FAQ What car insurance does Texas law require?+ Texas requires liability coverage of at least $30,000 for injuries per person, $60,000 for injuries per accident and $25,000 for property damage, often written as 30/60/25, according to the Texas Department of Insurance and Transportation Code section 601.072. Liability pays other people when you cause a crash; it does not pay to repair your own car. Insurers must also include personal injury protection and offer uninsured/underinsured motorist coverage, which you can decline only in writing. Many households carry limits well above the minimum, because costs beyond your limits can fall on you personally. Is personal injury protection required on Texas car insurance?+ Texas insurers must include personal injury protection, or PIP, on every auto liability policy unless the named insured rejects it in writing, under Texas Insurance Code section 1952.152. The Office of Public Insurance Counsel says companies must provide at least $2,500 per person in PIP unless it is rejected in writing. PIP pays medical expenses for you, household members and passengers, and it also pays 80% of lost wages, for expenses incurred within three years of the accident. If you rejected PIP in the past, a renewal does not have to add it back unless you ask in writing. Do I need uninsured motorist coverage on Texas car insurance?+ Texas law does not force you to keep it, but insurers must offer uninsured/underinsured motorist coverage, and you can turn it down only in writing. It pays when you are hit by a driver who has no insurance or not enough to cover your medical and car repair bills, according to the Texas Department of Insurance. TxDMV estimated that 11.87 percent of Texas drivers were uninsured as of September 2025, roughly one in eight. Without it, a crash caused by one of those drivers could leave your household paying its own medical bills. We generally suggest matching it to your liability limits. Is “full coverage” car insurance required in Texas?+ No Texas law requires “full coverage,” and it is not a coverage type you will find on the Texas Department of Insurance list of auto coverages. People usually use it to mean liability plus collision and comprehensive. State law requires only liability of at least 30/60/25, but TDI says that if you still owe money on your car, your lender will require collision and comprehensive. Comprehensive is also the coverage that pays for hail damage to your car. On a paid-off car, keeping them is your choice, and the answer depends on the car’s value and how much you could pay yourself. What happens if you drive without car insurance in Texas?+ Under Texas Transportation Code section 601.191, a first conviction for driving without required insurance carries a fine of $175 to $350, and a later conviction carries a fine of $350 to $1,000, plus court costs. After a second conviction, your license can be suspended unless you keep proof of financial responsibility on file with the state, and the vehicle you were driving can be impounded if you own it. Most important, if you cause a crash without insurance, you are personally responsible for the other people’s injuries and damage. About this guide Written by the Robinson Legacy Partners team · Reviewed by Clarence Robinson II We're a local Allstate agency at 700 Highlander Blvd in south Arlington, serving Arlington, the DFW Metroplex and Texas in English, Spanish, Arabic, Hindi, Punjabi, Urdu and Coptic, with more languages coming as our team grows. Facts in this guide come from the public sources linked above, including the [Texas Department of Insurance](https://www.tdi.texas.gov/), and we review them at least quarterly. You can confirm any Texas agent's license with [TDI's agent lookup](https://www.tdi.texas.gov/agent/agent-lookup.html). [Meet Clarence](https://www.robinsonlegacypartners.com/about-clarence-robinson). Clarence Robinson II is an exclusive agent of Allstate Insurance Company and its affiliates. Coverage is subject to policy terms, conditions, qualifications and availability. Discounts and savings vary and are not available in all situations. This guide is general information, not a policy or legal advice; your policy documents control. Last reviewed by the Robinson Legacy Partners team on September 29, 2026. ## Let’s look at your auto policy together. Free, and about 15 minutes. Bring your declarations page. We’ll check your liability and uninsured motorist limits, put your deductibles in dollars, and make sure every driver and car is listed, in the language you’re most comfortable with. [Get My Free Quote](https://www.robinsonlegacypartners.com/quote) [or call **(817) 262-5300**](tel:+18172625300) --- **Robinson Legacy Partners** · 700 Highlander Blvd, Suite 405, Arlington, TX 76015 · (817) 262-5300 · Mon–Fri 8:30 AM–5:00 PM Central Request a quote: https://www.robinsonlegacypartners.com/quote-request (plain HTML form) or https://www.robinsonlegacypartners.com/quote (guided).