Guide to Texas car insurance and motorcycle insurance


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UPDATED: 2020-03-09T18:03:06.449Z
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Cars driving on a highway in Dallas, Texas, at sunset.

Ready to hit the wide open roads of Texas with your car or motorcycle?

Before you do, make sure that you have the best and cheapest Texas car and/or motorcycle insurance.

This blog covers everything that you need to know about Texas car insurance and Texas motorcycle insurance, including what is required, how much it costs, and how to find the best company options.

What are the Texas car insurance requirements?

In Texas, car insurance is required. All drivers must carry at least the minimum required liability car insurance coverage in order to legally drive. The minimum limits are listed below.

Minimum liability car insurance requirements in Texas:

  • Personal injury: $30,000 per person in one accident/$60,000 per accident
  • Property damage: $25,000 per accident

If you are financing or leasing your car, you may be required by the lender to have more insurance coverage. You may be required to have full coverage car insurance that includes comprehensive and collision insurance.

Even if you aren’t required to buy more Texas car insurance coverage, insurance agents often recommend that you do in order to have more protection. Consider purchasing collision, comprehensive, and roadside assistance coverage. There are many additional insurance options to consider, such as rental car reimbursement coverage.

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What are the penalties for driving without car insurance in Texas?

Since car insurance is legally required in Texas, you can face penalties if you don’t have it. Failure to have car insurance in Texas could result in a fine of $175 to $350 for your first offense. That’s in addition to a surcharge to renew your driver’s license for the next three years.

Repeat offenders could face higher fines and could have their driver’s license suspended and/or their vehicle impounded. If your license is suspended, it may affect your car insurance rates by causing them to increase.

How much is car insurance in Texas?

Based on some of the most popular car insurance companies in Texas, the average cost of Texas car insurance is $1,237 per year. In the table below, you can see average car insurance rates in Texas from five of the largest companies in the state, in order from the cheapest to the most expensive. Among these companies, Geico offers the cheapest car insurance with an average rate of $886 per year.

Company Average Annual Car Insurance Rate
Geico Insurance Company $886
State Farm Insurance $974
Allstate Insurance $1,326
Nationwide $1,375
Progressive Corporation $2,860

These rates are based on a 35-year-old single adult with one vehicle on a Texas car insurance policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and has a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Texas will differ. Rate data is provided by Quadrant Information Services.

Your Texas car insurance rates may vary slightly depending on your characteristics. There are many factors about you and your car that affect your cost of car insurance in Texas. Those factors include, but are not limited to, your age, your driving history, where you live, the car you drive, and other factors.

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How do I find the best car insurance in Texas?

Finding the best Texas car insurance for you is possible with some quick research. First, determine your car insurance needs. If you have a flawed driving record, you may need to look into non-standard coverage. You should figure out which coverages you want and what you don’t want.

Next, you can do research on different car insurance companies to see what they offer in your zip code in Texas. Read reviews on Clearsurance of each company before you get a quote. Reviews can give you valuable information about how companies treat customers and claims.

We recommend doing your research on the Clearsurance's Texas car insurance page. Here, you can see a ranking of the Texas companies that consumers say are the best in your Texas-based zip code, along with pricing information and general information about Texas car insurance and requirements. You can get car insurance quotes on this page and read company reviews.

How do I find the cheapest car insurance in Texas?

To find the cheapest car insurance in Texas, get car insurance quotes from at least three Texas car insurance companies, but consider getting more. The more quotes that you get, the better chance you will have to find the best deal.

When comparing the quotes that you’ve received, compare the prices, coverage options, and company features. For example, what are the company’s payment options or benefits?

While price is an important factor, it shouldn’t be the only factor that determines which car insurance company that you choose. You may not want to sacrifice supportive customer service in order to have the cheapest price because that could cost you more money in the end if the company denies your claim.

Keep in mind that car insurance rates vary from person to person and company to company. What is cheaper for one person may not be the cheapest for you.

There are ways that you can save money on Texas car insurance with discounts and other things. For a list of what you can do to lower your car insurance, check out our blog: 14 Ways to get cheap car insurance.

What are the Texas motorcycle insurance requirements?

Similar to car insurance, motorcycle insurance is also required in Texas. In order to ride your motorcycle, you will need a Texas motorcycle insurance policy with liability insurance, at least.

In Texas, motorcycles are treated much like cars, but require separate motorcycle insurance coverage. Mopeds are treated the same as motorcycles, requiring the same insurance coverage.

The minimum required Texas motorcycle insurance limits are:

  • Personal injury: $30,000 per person in one accident/$60,000 per accident
  • Property damage: $25,000 per accident

There are many additional Texas motorcycle insurance coverages available to you. Consider purchasing any of these coverage options on your motorcycle insurance policy to receive additional coverage for your bike.

For ways to save money on Texas motorcycle insurance, check out our blog: 5 Tips to lower your motorcycle insurance cost.

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