Motorcycle Insurance

Texas Motorcycle Insurance

Love your bike? A-MAX can help insure your motorcycle from theft or vandalism, along with any liability or medical coverage that would be needed in the event of an accident while riding your motorcycle. A-MAX offers great quality, low-cost insurance to protect you and your motorcycle.

Motorcycle insurance covers liability insurance similar to an auto insurance policy, except that it insures any damage done to others while riding the motorcycle. Most importantly, you can also add medical payments coverage, guest passenger medical, comprehensive, collision, and even roadside assistance to fully cover your bike. A-MAX will even give you a discount if you are a member of a rider's group.

Cheap Motorcycle Insurance Texas

Don't have motorcycle insurance yet? Thousands of Texas riders choose to ignore getting insurance every year. We want you to be safe out there, but we also want you to be able to get your life back together if the unfortunate occurs and all of your training, experience, and gear isn't enough.

A-MAX is a Texas born and based company helping other Texans save money on motorcycle insurance. We provide low-cost motorcycle insurance in over 17 Texas cities and growing. Your bike isn't just your transportation to get around the Texas highways and city streets, it's your passion. A-MAX is committed to empowering you to pursue your passion without being overburdened with expensive motorcycle insurance. Every insurance company says they can save you money on your insurance without sacrificing the quality of your coverage, but we want to prove it. Get a free motorcycle insurance quote now and see how much money you can save.

Already have insurance? See if we can help you save money so you can spend more on a new helmet, jacket, exhaust, a race day down at the track, or maybe even a new bike.

Ride safe.

Cheap Motorcycle Insurance Texas

Don't have motorcycle insurance yet? Thousands of Texas riders choose to ignore getting insurance every year. We want you to be safe out there, but we also want you to be able to get your life back together if the unfortunate occurs and all of your training, experience, and gear isn't enough.

A-MAX is a Texas born and based company helping other Texans save money on motorcycle insurance. We provide low-cost motorcycle insurance in over 17 Texas cities and growing. Your bike isn't just your transportation to get around the Texas highways and city streets, it's your passion. A-MAX is committed to empowering you to pursue your passion without being overburdened with expensive motorcycle insurance. Every insurance company says they can save you money on your insurance without sacrificing the quality of your coverage, but we want to prove it. Get a free motorcycle insurance quote now and see how much money you can save.

Already have insurance? See if we can help you save money so you can spend more on a new helmet, jacket, exhaust, a race day down at the track, or maybe even a new bike.

Ride safe.

The 4 best motorcycle insurance companies in Texas

If you’re a motorcycle owner, or are considering purchasing one, make sure you have the best motorcycle insurance coverage. There are many motorcycle insurance companies available for Texas residents, so you might be wondering what’s the cheapest motorcycle insurance in Texas? To make your search easier, we identified the best options: Nationwide, Allstate, Dairyland and Safeco. To evaluate these providers, we compared average cost, coverage options, available discounts and customer service for each company

Best for high coverage limits: Nationwide

Nationwide’s motorcycle insurance keeps riders protected, as well as their bikes. Nationwide’s motorcycle insurance policies give customers the option to insure up to 12 bikes per year, making it the perfect provider for riders with multiple motorcycles. Customers can opt for coverage up to $50,000 per bike, custom bike parts up to $30,000 and even your trailer. All of Nationwide’s policies include liability, collision, comprehensive, underinsured and uninsured coverage and personal injury protection. Optional motorcycle insurance plans cover custom equipment, roadside assistance and OEM endorsement.

In addition to a wide array of coverage options, Nationwide also rewards safe riders with its Vanishing Deductible® program, which gives riders $100 off their deductible for each year of safe driving, up to $500. To save even more money, Nationwide offers motorcycle insurance discounts for motorcycle safety features, policy bundling, paying your premium in full, completing an approved motorcycle safety course and more.

Best for new and young riders: Allstate

Allstate’s motorcycle insurance is a great pick for any motorcycle owner, but it’s especially appealing for young riders, or drivers that are new to riding a motorcycle. The company’s signature Accident Forgiveness program waives a driver’s first accident without raising their insurance premiums. Allstate has proven its commitment to motorcycle safety by creating resources like the O.N.E. Sign Guide, which provides a step-by-step process to get more “watch for motorcycles” signs installed in your area. The company provides the basic coverage options, including liability, collision, comprehensive and uninsured and underinsured coverage. Riders can also choose to purchase coverage for custom parts and equipment, that also protect riding gear and attire.

Customers can access motorcycle insurance discounts by insuring multiple motorcycles, bundling policies, having a clean driving history, completing an approved motorcycle safety course and being a member of a motorcycle organization.

Best for high-risk riders: Dairyland Insurance

Dairyland Insurance is a subsidiary of Sentry Insurance, which specializes in non-standard motorcycle insurance. Dairyland is a great provider for riders with a history of accidents, because the company offers free, same-day SR-22 coverage, which a driver needs in order to to reinstate or keep their driving privileges after certain traffic-related incidents. Motorcyclists might need an SR-22 if they’ve received a DUI or are found driving with a suspended license. Dairyland offers all the basic coverage options, including collision, comprehensive and Injury coverage, in addition to replacement costs, rental reimbursement, roadside assistance and special equipment coverage.

The company offers rider’s motorcycle insurance discounts on their insurance premium if they insure multiple bikes, are a member of a motorcycle group, bundle multiple auto policies, pass an approved motorcycle safety course and more.

Best for insurance discounts: Safeco

Safeco, which is under the parent company Liberty Mutual Insurance, offers some of the lowest cost motorcycle insurance premiums on the market. Basic policies cover bodily injury, guest passenger and personal property liability. Enhanced coverage policies include an impressive lineup of collision, comprehensive, medical payments, uninsured and underinsured drivers and roadside assistance coverage. Safeco is one of the few motorcycle insurance providers that offer trip interruption coverage, which covers the cost of food and lodging if your motorcycle breaks down and you’re stranded away from home. Although the enhanced coverage policy is slightly more expensive than basic coverage, the amount of coverage included means that you can ride with total peace of mind.

For customers looking for motorcycle insurance discounts, Safeco is a great insurance option. The company offers a variety of ways for riders to get a discounted premium, including taking an approved motorcycle safety course, joining a riding club, maintaining a clean driving record, storing your bike in a secure location, installing bike safety features, bundling your policies, getting a quote ahead of time and many more options.

How much is motorcycle insurance in Texas

You might be wondering, “How much is motorcycle insurance in Texas?” Texas has one of the highest average motorcycle insurance premiums of any state, with most yearly premiums falling around $749, or $62 per month. However, there are several key factors that determine how much you’ll pay for a motorcycle insurance premium, including the city you live in, your age, your accident history and the type of motorcycle you own.

To compare average monthly motorcycle insurance premiums in different Texas cities, we looked at rates for a 41 year old male, who is single and owns a home. In San Antonio, Texas, the average premium for minimum insurance would be around $12 per month. In Alpine, Texas, minimum insurance is just over $13 per month. However, upgraded insurance is significantly more costly. In San Antonio, the average premium for enhanced motorcycle insurance is roughly $62 per month, whereas in Alpine, it’s slightly lower, around $55 per month.

Minimum motorcycle insurance required in Texas

In Texas, motorcycle operators are required to have insurance for 30/60/25 coverage. State laws require drivers to have a minimum of $30,000 in bodily injury coverage for each injured person in an accident, or up to $60,000 for all bodily injuries per accident. Additionally, drivers must have at least $25,000 for property damage per accident.

Texas motorcycle laws

In order to legally operate a motorcycle in the state, make sure you know the motorcycle laws of Texas.

• Licensure: You must have a valid Class M License to ride a motorcycle. To get a Class M license, you must already have a regular driver’s license. Before you can get a Class M license, you’re required to take a motorcycle safety class, a written test and driving test.
• Registration: All motorcycles must be registered with the state, and have a valid and visible registration sticker on the license plate.
• Insurance: All motorcyclists in Texas are required to have minimum insurance coverage before driving.
• Helmets: Texas motorcycle drivers under age 21 must wear a helmet. Riders over age 21 may forego a helmet if they have the proper certification or insurance coverage.
• Lane splitting: Texas does not explicitly prohibit lane splitting, but it should always be done safely and at a reasonable speed.

Motorcycle Insurance

The Best Cheap Motorcycle Insurance in Texas

After conducting a survey consisting of over 1,100 insurance quotes for motorcyclists in Texas, we've found that Progressive's motorcycle insurance offers the best combination of cost and features. While the average motorcycle insurance policy in Texas costs $817, the quotes we collected from Progressive offered rates of around $645. Below, we go into the details on Progressive and other great insurers for motorcyclists. If you'd like to see quotes right away, enter your information in the tool above.

• Best for most people: GEICO
• Best for cheap coverage: Progressive
• Best for motorcycle collectors: Dairyland

Best for most people: GEICO

When we evaluated motorcycle insurance in Texas based on price, features and the quality of customer service, GEICO stood out with the highest all-around value for consumers. Insuring a motorcycle with GEICO in Texas costs an average of $651, just a few dollars more than the average for the cheapest insurer we found. For this price, you receive coverage at a level that we believe will cover most needs for most motorcyclists.

The features we selected when gathering quotes from GEICO included both collision and comprehensive coverage, which protect your motorcycle from road accidents as well as theft and natural disasters. These coverages are never legally required — states only demand that motorists carry liability insurance to cover their costs in case they cause damage to other drivers. However, collision and comprehensive coverage is important if you care about protecting the value of your own vehicle. GEICO covers motorcyclists for liability and vehicle damage at a competitive rate.

Customer service is our third pillar for evaluating insurers, and GEICO's reputation for user satisfaction was acceptable. It has a low complaint index of 0.68 assigned to it by the National Association of Insurance Commissioners (NAIC), which tracks every insurer's relative share of customer complaints. J.D. Power's periodic surveys of customer satisfaction in auto insurance rated GEICO at 3 out of 5 — not a top-notch score, but enough to put it ahead of most competitors in Texas.

One final note for GEICO: Based on its website, we couldn't verify whether its collision and comprehensive coverage is actual cash value or replacement cost. This can make a critical difference to how much you're paid in a claim situation. If you need insurance for the full replacement value of your ride, we suggest confirming this with GEICO or choosing a different insurer.

Best for cheap coverage: Progressive

If you just want to find motorcycle insurance at the lowest price, our analysis found that Progressive offers the lowest average premiums in Texas among motorcycle insurance companies. The low base price of a Progressive policy leaves room in your budget for adding optional extras that you might not consider at more expensive insurers.

Across the hundreds of in-state addresses we used in our survey of quotes, Progressive's rates for motorcycle insurance rang in at an average of $645, which was 21% lower than the average in Texas. Not only does Progressive start you off at a below-average premium, but it also gives you the chance to eliminate your deductibles over time: For each full year in which you file no claims for collision or comprehensive coverage, the company will reduce the deductibles on those coverages by 25%.

The rates we found for Progressive reflect a fairly high level of coverage, but the company's online form left room for a number of additional protections that offer great flexibility to match your individual insurance needs. For instance, Progressive lets you choose between actual cash value coverage on your vehicle and Total Loss Coverage, which promises to pay the costs of replacing your vehicle with a new version of it. This kind of replacement cost coverage is important if you've invested a lot in your motorcycle.

Customer satisfaction numbers for Progressive turned out to be somewhat less competitive than its cost. The NAIC assigns Progressive a low complaint index of 0.69, but J.D. Power most recently gave it a low satisfaction score of 2 out of 5. If you're confident that your riding habits make it unlikely that you'll ever make a claim, Progressive's low prices may be worth considering.

Best for motorcycle collectors: Dairyland

Dairyland's deep policy features and discounts on multivehicle motorcycle insurance make it our top recommendation for die-hard enthusiasts. While it's not the cheapest insurer of motorcycles in Texas, the average rate of $704 for a Dairyland policy pays for a wide range of coverages that may be essential for enjoying your motorcycles with financial confidence.

Unlike some of its competitors, Dairyland includes the option to get both full replacement cost coverage and OEM parts coverage. Together, these protections ensure that you'll be fully covered when restoring a damaged vehicle to its original condition, down to every part. Such policies definitely come with higher premiums than policies that offer actual cash value compensation, which takes the depreciation out of your claim amount.

However, that level of insurance may be well worth the added cost if you have an extensive collection of motorcycles. In Texas, we found that Dairyland delivers such coverage for a reasonable rate. As far as the company's record on customer service goes, we found that Dairyland scored a great NAIC complaint index of just 0.20 in 2018, while A.M. Best assigned it a financial stability rating of A+ — which indicates that the company is highly capable of meeting its financial responsibility on all claims.

Comparing Texas motorcycle insurers by customer service quality

Our motorcycle insurance recommendations for Texas aren't solely based on the average premium recorded for each provider. Regardless of your premium or coverage limit, it's difficult to judge an insurance policy's value until you actually have to rely on it in a claim situation. To get an approximation of that value, we relied on numbers from three different sources, each measuring insurers from a different angle.

Counseling Education

Education

TCA Conferences and CE Workshops

The Texas Counseling Association hosts several conferences and continuing education workshops throughout the year for professional counselors and mental health professionals of all types. All conference programs and workshops listed below are eligible for LPC, NBCC, SBEC, LMFT, LCDC, SW, and Psychologist continuing education hours.

Conferences

Annual TCA Professional Growth Conference

The Professional Growth Conference is TCA's largest annual conference, held each November. The complete four-day event draws approximately 2,000 attendees and is designed for professional counselors working in a variety of settings. The conference generally features around 140 educational programs including full-day Learning Institutes, Post-Conference workshops, and two General Session keynotes.

Annual Professional School Counselor Conference

The Annual Professional School Counselor Conference is a three-day professional development event held in early February. The event offers comprehensive programming, full-day Learning Institutes, and draws more than 2,000 attendees. The conference is co-hosted by the Texas School Counselors Association (TSCA) and Texas Counseling Association (TCA). This event is geared towards counselors in educational settings, from elementary to post secondary.

Statewide CE Workshops

TCA's 12 Divisions and 30 Chapters offer a variety of CE workshops throughout the year. If you are a TCA Chapter or Division looking for co-sponsorship of your event, click here to submit your program(s) for consideration.

Online Learning

The TCA Online Learning platform offers on-demand CE programs to support the professional development needs of professional counselors across a variety of work settings. TCA members receive a preferred rate of $25 ($50 for non-members). The online course catalog contains a variety of program topics and new courses are always being added ensuring that programming is up-to-date and informative. Learn more.

Counseling Education

Counseling Certification

As in most fields, earning a certification is a great way to boost your personal development and career prospects as a counseling professional. There are various types of counseling certifications, including national certified counselor and certification in contemporary theory in addictive behavior. Certifications help professionals gain specialized knowledge in various subsets of counseling and improve their prospects for advancement within the field.

The Bureau of Labor Statistics (BLS) projects employment for counselors practicing in areas of the field where certification is available to grow over the coming years. Substance abuse, behavioral disorder, and mental health counselors are projected to see a 23% increase in employment between 2016 and 2026. This is much higher than the average for all occupations, which is about 6%, according to the BLS. While certification is not always a requirement for these and other lucrative positions in counseling, it can certainly improve your employability and help you enhance your expertise in the field.

Why Should You Earn Counseling Certification?

Certification is a source of continuing education that demonstrates a commitment to the counseling profession. At the same time, certification provides counseling professionals with specialized expertise in a subset of the field in which they have professional and/or personal interest. In many cases, these are niche areas where licensure isn't commonly available or is not available at all. In addition, a certificate providing evidence of specialized knowledge can serve as a draw for potential clients in future practice or other forms of employment. This is a marketing benefit in that prospective clients look for counseling professionals who are specially trained in niches that serve their individual needs.

There are also financial benefits to counselor certification. Earning board certification from the National Board for Certified Counselors (NBCC) opens the door to a variety of professional opportunities, including free or discounted continuing education courses, discounted liability insurance, and membership in directories used by potential clients who are seeking a counseling professional. Additionally, certification can be a highlight on a resume for prospective employers who are looking for those who demonstrate a commitment to a particular area of the field and show that they possess expertise. Counselor certification leads to increased opportunities for career advancement and professional development in many ways that merit the associated expenditure of time and effort.

What Can You Do With a Certification in Counseling?

Generally, certified counselors operate within the counseling field, working in private practice or for a clinic, school, or other organization that helps people address various mental, physical, and emotional issues. However, those with counseling certification can also work in fields that are tangentially related to counseling, such as social work. Those who earn counseling certification are typically people-oriented and display a sense of compassion that allows them to empathize with the plights of others. This quality of relating to others helps counseling professionals connect with clients and facilitate the healing process.

• School and Career Counselor: School and career counselors typically work with youth of all ages to address individual issues regarding their personal life and/or academic and professional paths. Career counselors often work with adults as well. These professionals can benefit from certification in areas like addiction and mental health.
• Substance Abuse, Behavioral Disorder, and Mental Health Counselor: These counselors likely benefit most from certification in counseling subsets like addictive behaviors and mental health. They often work with clients who need help dealing with issues surrounding drugs, alcohol, and other addictive substances and those with behavioral or mental health problems.
• Rehabilitation Counselor: Providing physical and emotional support for people facing various different types of disabilities, rehabilitation counselors work to ensure a good quality of life for their clients through the creation and implementation of treatment plans for work and home environments. These professionals can benefit from certification in rehabilitation, which is required by some employers.
• Marriage and Family Therapist: Often working with married couples, marriage and family therapists help people deal with issues such as interpersonal communication, death, divorce, and job loss. These professionals help their clients develop healthy ways to process and deal with life events.
• Social Worker: Providing assistance to people from all walks of life, social workers help their clients form a stable existence through programs in areas like healthcare, childcare, and crisis management. These professionals benefit from certification in areas like mental health and substance abuse, because they often address those issues.

• How Long Does It Take to Earn a Certificate in Counseling?

  While some certifications require you to complete a structured set of specific courses, others simply require evidence that you have already completed the eligibility requirements. Because of this, the amount of time it takes to earn a counseling certification can vary significantly on an individual basis. For those who are completing a certification program through a school or other institution, these programs can take as little as six months or as long as one year. As is the case with most postsecondary programs, there are factors that influence this duration, including full-time or part-time status. In general, online counseling certifications require students to complete at least 20 credits, and students can work at their own pace. Typically, part-time students pay similar tuition to full-time learners, but this can vary from institution to institution.

  How Much Is a Certification Program in Counseling?

  Students and professionals can earn counseling certificates from various organizations and institutions. Professional organizations that bestow counseling certificates generally set their own costs and fees that may be associated with the application or award process. Some candidates choose to earn an online counseling certification from an institution of higher learning. These programs vary in cost as well, but a student can expect to pay approximately $10,000 over the course of their certificate program.
  There are many factors that affect the cost of certification in this field. Professional associations may charge students more or less than other organizations based on the relative value of benefits they offer with certification. These benefits often include discounted liability insurance or discounted continuing education credits. Students earning their online counseling certification from a college or university may pay lower fees if they enter the program with previous credits that apply toward the completion of their certification process or if they receive some form of financial aid, such as a scholarship or grant. Students must also account for the costs that typically accompany educational pursuits, such as housing and technology fees.

  Counseling Certification Maintenance and Renewal

  Most counseling certifications must be maintained in various ways and renewed after certain periods of time. While they vary by certification, maintenance requirements typically include the payment of annual fees, compliance with ethical standards, and different forms of continuing education. Counseling professionals can generally fulfill continuing education requirements through online courses, in-person seminars, and networking conferences where panels speak on current issues in the field.
  The amount of time that can pass between earning the certification and required renewals differs by certification, but most require recipients to check in with their credentialing body in some way every one to three years. A counseling professional who allows their certification to lapse typically must recomplete certain certification requirements, such as work experience hours or examinations.

Health Insurance

Available Plans in your state:

Find a plan in less than 2 minutes - from start to finish!

After you submit your information, we'll show you plans that match your needs. You'll also be given quotes for all of the major health insurance carriers available to you, including Blue Cross, Blue Shield, Aetna, Humana, United, Assurant, Kaiser (in select states), Cigna, and regional plan providers.

What information are you asked to see quotes?

By providing us with a small amount of personal information, like your zip code and age, we are able to show you plans that are the best fit for your personal profile. Depending on your location and health profile, this could include quotes from Blue Cross, Blue Shield, Aetna, UnitedHealthCare, Humana, Cigna, Kaiser (for CA, CO and OH) and others. You may also choose to work with our health insurance agents, who are ready to help with any questions or confusion.

* Disclaimers and Important Information:

DirectHealthInsurance.com is an independent marketplace and is not a federal or state Marketplace website. DirectHealthInsurance.com does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker. Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded, as, in offering this website, we are required to comply with the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website or go to the Health Insurance Marketplace website at www.HealthCare.gov

Advertised Pricing:

There are several factors that impact your monthly premium; including, but not limited to your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 18, 2019. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,750 in 2019, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $358 per year after $2,838 in subsidies) for a Bronze Plan. Even when using the same parameters, this result is subject to change.

Health insurance

You're not ordinary, so why is your healthcare?

Join a community of over 200,000 members who come together to share the cost of medical expenses.

Making Membership Clear and Simple

At Liberty HealthShare, we’re committed to making medical cost-sharing a simple and transparent process. It’s easy to join, track your progress, and budget for your healthcare costs. 

What happened?

The initial connection between Cloudflare's network and the origin web server timed out. As a result, the web page can not be displayed.

What can I do?

If you're a visitor of this website:

Please try again in a few minutes.

If you're the owner of this website:

Contact your hosting provider letting them know your web server is not completing requests. An Error 522 means that the request was able to connect to your web server, but that the request didn't finish. The most likely cause is that something on your server is hogging resources. Additional troubleshooting information here.

• Care options and costs: Your primary care doctor is the best option for managing your overall healthcare needs, including your annual exams. But what about emergencies, an after-hours fever, or a flu shot?
• Appealing a health care claim that was denied: We explain your options if your health plan won’t cover a service.
• Surprise medical billing: Balance billing – or a surprise medical bill – happens when you get a bill from a doctor, hospital, or other health care provider who isn’t part of your health plan’s network. Often, consumers didn’t know they were getting care from out-of-network providers.
• 
  

Cheep Auto Insurance

 

Affordable auto insurance for good drivers in Texas

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Texas drivers without a recent moving violation save just 4% on their car insurance premiums, on average — compared to the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

If you feel like your rates are high in spite of your clean driving record, get car insurance quotes every few months to ensure you're getting a good deal.

Cheap insurance for young drivers in Texas

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Texas, teen drivers pay especially high rates: $7,096 per year — more than $2,000 more than the nationwide average and almost four times as much as a typical Texas driver.

Cheap car insurance for drivers with bad records in Texas

With a good driving record — devoid of at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. On the other hand, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 28% after a DUI, 33% after an at-fault accident, and 4% after a speeding ticket in Texas. The post-violation penalties assessed by car insurance companies in Texas are substantially lower than nationwide averages — especially when it comes to speeding tickets. If you have a clean driving history, inquire about your insurance company's safe driver discount.

What are the best car insurance companies in Texas?

Every auto insurance company advertises its low premiums. As with any product, the cheapest auto insurance policy isn't always the best choice. Considering the stakes, it's worthwhile to do your homework to discover an insurance policy that covers your vehicle adequately after an accident. It's worth comparing insurance options to unearth a great value, instead of settling for the most affordable car insurance in Texas.

Compare major insurers' financial strength and claims satisfaction ratings to better predict the level of service you will receive. Claims satisfaction — assigned by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to satisfy its policy and contractual obligations.

What is the best auto insurance coverage in Texas?

The minimum car insurance requirements in Texas are $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage per accident.

If you choose the legal minimum coverage level in Texas, expect to pay an average of $826 annually. This expenditure is more expensive than the nationwide average by 26%. If you opt for better coverage, you can choose a policy with comprehensive and collision coverage, which will protect against the costs of car-on-car crashes, theft and vandalism, or weather incidents. But better coverage comes with a cost: in Texas, a comprehensive insurance policy with a $1,000 deductible costs $1,620, 96% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 120% more than you would for basic coverage.

Compare average rates for basic, better, and best Texas auto insurance levels below.

Car insurance laws in Texas

State minimum insurance requirements in Texas

In Texas, the state minimum coverage requirement is liability insurance with limits of:

• Bodily injury liability: $30,000 per person
• Bodily injury liability: $60,000 per accident
• Property damage liability: $25,000 per accident

Optional coverage in Texas (varies by carrier):

• Uninsured/Underinsured Motorist Coverage
• Uninsured Motorist Property Damage
• Personal Injury Protection (PIP)
• Additional Medical Coverage
• Comprehensive Coverage
• Collision Coverage
• Rental Car Reimbursement
• Roadside Assistance/Towing and Labor

Liability coverage is legally required in Texas and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Texas, insurance minimums are listed as 30/60/25, explained below:

• $30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person you injure in an auto accident.
• $60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries you cause in an accident if more than one person is hurt.
• $25,000 property damage per accident. This is the maximum dollar amount that pays for damage you cause in an accident.

These numbers reflect the minimum insurance limits required in Texas but higher coverage amounts are available from most insurance companies.

Texas auto insurance FAQs

Do you need insurance to change your car title in Texas?

Yes. Because car insurance is legally required in Texas, you will need insurance to get a title change.

Can undocumented immigrants get car insurance in Texas?

Yes, but it is difficult. Most car insurance companies require their customers to have a valid driver's license. This provides insurers insight into their potential customers' driving backgrounds. While you can get insurance without a license in Texas, it may be difficult and expensive.

Can you insure a salvage title car in Texas?

Yes, but it may be more expensive due to the added risk insurance companies attribute to salvaged titles.

How much does car insurance cost in Texas cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Killeen, Texas, and the most expensive in Houston, Texas.