• Texas Auto Insurance Rates

    Texas Auto Insurance Quotes: What to Know before You Buy

    Trying to find affordable motor vehicle insurance that meets your needs without breaking the bank can be a real challenge. Fortunately, Texasautoinsurancequotes.com offers a quick, user-friendly option for comparing Texas insurance quotes. In trying to streamline your insurance costs, one of the most important steps is to identify the specific insurance requirements so that you know exactly what coverage you must carry as a Texas driver. Here, we also consider some basic laws a Texas driver should be familiar with so you can feel confident when you hit the road. We’ve also compiled a number of useful facts for Texas drivers below. For instant quotes on Texas insurance rates, try our vehicle insurance quote widget.

    Texas Auto Insurance Laws and Requirements

    Texas does not require drivers to carry no-fault or PIP (personal injury protection), or UM/UIM (uninsured/ underinsured motorist) insurance coverage, which can help you save money on vehicle insurance. The Lone Star State does, however, require drivers to carry liability coverage. The minimum liability coverage for Texas drivers is summarized in the table below:



    Most Common

    Bodily Injury Liability



    Property Damage Liability



    Uninsured Motorist Bodily Injury

    Not required


    Personal Injury Protection

    Not required


    Medical Payments

    Not required



    Not required

    500 deductible


    Not required

    500 deductible

    Of course, you’ll also need to follow a number of other laws when driving in Texas. Speed limits are one of the most basic driving laws. Here, we’ve summarized some of the most important speed limits to keep in mind:

    Speed Limits

    Rural Interstate

    75 mph,  80 or 85 mph on some road segments, as specified

    Urban Interstate

    75 mph

    Other Limited-Access

    75 mph

    Other Roads

    75 mph

    Learn More About Texas Car Insurance

    One of the best resources regarding Texas driving laws is the Texas Department of Motor Vehicles. On the Texas DMV webpage, you can find information on how to get your driver’s license, Texas state requirements for obtaining a photo ID, and how to register your vehicle in the Lone Star State. For more information, click the official link.

    For further information regarding Texas insurance, visit the Texas Department of Insurance.

    And for general information on the state of Texas, visit the official website of the State of Texas.

    Finding Texas Auto Insurance Discounts

    There are several ways to lower your Texas automobile insurance costs. Your insurance rates will be considerably lower if you avoid accidents and motor vehicle infractions like speeding and parking tickets, and maintain a solid credit score. You can also save cash by purchasing home and life insurance from the same company that provides your vehicle insurance.

    Automotive insurance is a legal requirement for all Texas drivers, but finding a reasonably priced policy that covers all of your motor vehicle insurance needs can be a daunting task. At Texasautoinsurancequotes.com we’ve taken the guess work out of selecting the insurance that’s right for you.

    You can start saving money immediately by entering a few details below to instantly compare low cost insurance rates!

    You can save even MORE money by getting unique discounts in popular Texas cities:


    More Info on Texas on Wikipedia
    State of TX government website