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Auto Insurance in Texas

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Key Takeaways

  • •Texas requires minimum 30/60/25 liability coverage
  • •Average premium in Texas: $150
  • •12% of drivers are uninsured - consider UM coverage
  • •Top insurer by market share: State Farm
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How It Works: Your Path to Savings

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$150

Avg. Premium

30/60/25

Min. Coverage

12%

Uninsured Rate

State Farm

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Understanding Auto Insurance in Texas

Finding affordable auto insurance in Texas requires understanding local requirements and comparing rates from multiple providers. Our comprehensive guide helps you navigate the insurance landscape and find the best coverage for your needs.

Texas Minimum Requirements

Texas requires all drivers to carry minimum liability insurance. This protects you financially if you cause an accident that injures others or damages their property.

Liability Coverage

Required

Covers damages you cause to others

Collision Coverage

Covers your vehicle in accidents

Comprehensive Coverage

Covers theft, weather, vandalism

Uninsured Motorist

Protects against uninsured drivers

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Frequently Asked Questions

Is Texas a no-fault state for car insurance?
No. Texas is an 'at-fault' state. This means the driver who caused the accident is responsible for paying for the damages and injuries through their liability insurance.
What is the average cost of car insurance in Corpus Christi?
While rates vary based on driving history and vehicle type, the average cost in Corpus Christi often trends slightly above the national average due to weather risks and traffic density. Comparing quotes is the best way to find a rate below the local average.
Do I need hurricane coverage for my car?
Yes, if you want protection against storm damage. You need 'Other Than Collision' (Comprehensive) coverage on your policy. This covers damage from flooding, wind, and falling debris associated with hurricanes.
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