Car Insurance in Texas

Car Insurance in Texas may help protect you financially while keeping you compliant with state law. Kemper offers affordable, personalized coverage options, including SR-22 insurance and flexible solutions for drivers with unique insurance needs. 

Get A Quick Auto Insurance Quote Today! 

Get Car Insurance Quotes Texas Drivers Can Count On 

Car insurance quotes in Texas should do more than meet the state's minimum requirements. They should also fit your budget and lifestyle. Texas requires all drivers to carry minimum liability insurance under the state's 30/60/25 rule, which includes bodily injury and property damage coverage limits. Kemper Auto has more than 100 years of insurance experience and holds a rating of A- (Excellent) by AM Best, helping drivers find dependable personal auto insurance solutions across Texas. 

Texas car insurance requirements, optional coverage choices, SR-22 filings, cost-saving opportunities, and fast car insurance quotes are all important when choosing the right policy for your budget. Kemper Auto specializes in non-standard personal auto insurance and accepts matrícula consular cards, foreign driver's licenses, and passports for qualifying drivers, making it easier for more Texans to find the coverage they need. 

Get a Car Insurance Quote in Texas 

Looking for affordable personal auto insurance in Texas? Kemper Auto can help drivers find coverage that matches their needs, whether they need basic liability protection, full coverage, or SR-22 filing services. Get coverage that takes into account your budget and lifestyle.

• Customizable car insurance policies  

• Flexible payment plans  

• Spanish-bilingual insurance agents  

• Acceptance of matrícula consular and foreign or international driver's licenses  

• SR-22 filing services for Texas drivers  

Understanding Texas Car Insurance Requirements 

Texas law requires drivers to maintain minimum liability insurance coverage to legally operate a vehicle. These Texas car insurance requirements follow the state's 30/60/25 rule under Texas Transportation Code Section 601.072. 

Texas is an at-fault state. This means the driver responsible for causing an accident is financially responsible for injuries and property damage resulting from the crash. 

Texas Auto Insurance Requirements 

According to the Texas Department of Insurance, Texas drivers must carry the following minimum coverage: 

1. Liability Coverage 

• $30,000 bodily injury liability per person - Helps pay for injuries to another person if you cause an accident.  

• $60,000 bodily injury liability per accident - Covers total bodily injury expenses for multiple injured people in one accident.  

• $25,000 property damage liability per accident - Pays for damage you cause to another person's vehicle or property.  

2. Personal Injury Protection (PIP) 

PIP covers medical bills, lost wages, and certain related expenses for you and your passengers, regardless of fault. Texas insurers must offer PIP coverage, and it is automatically included in policies unless rejected in writing. 

3. Uninsured/Underinsured Motorist Coverage (UM/UIM) 

UM/UIM coverage helps pay for injuries and damage caused by drivers who either do not carry insurance or do not carry enough insurance. Texas insurers must offer UM/UIM coverage, but drivers may decline it in writing. 

Texas also uses the TexasSure electronic verification system. Law enforcement officers can confirm insurance coverage status in real time during traffic stops or accident investigations. 

Optional Types of Car Insurance Coverage Available in Texas 

Beyond the Texas minimum requirements, many drivers choose additional protection to help cover vehicle repairs, theft, weather damage, and roadside emergencies. These optional coverages can provide a stronger financial safety net for Texas drivers. 

Learn more about available auto insurance coverage options through Kemper Auto. 

Required Coverage 

• Liability Coverage  

• Personal Injury Protection  

• Uninsured/Underinsured Motorist Coverage (UM/UIM)  

Optional Coverage Options 

Collision Coverage 

Collision coverage helps pay for repairs to your vehicle after a covered accident, regardless of fault. Most lenders require collision coverage for financed or leased vehicles. 

Comprehensive Coverage 

Comprehensive coverage helps pay for repairs due to non-collision events such as theft, vandalism, hailstorms, flooding, fire, and animal collisions. This coverage is especially valuable in Texas due to frequent hail and severe weather risks. 

Roadside Assistance 

Roadside assistance can help pay for towing, jump-starts, lockouts, tire changes, and fuel delivery when unexpected breakdowns happen. 

Rental Reimbursement 

Rental reimbursement coverage helps pay for a temporary rental vehicle while your car is being repaired after a covered claim. 

Penalties for Driving Without Insurance in Texas 

Driving without insurance in Texas can lead to serious financial and legal consequences. According to the Texas Department of Insurance the you may face several penalties if you fail to present proof of valid auto insurance during a traffic stop or a car accident: 

• Fines from $175 to $350 for a first offense  

• Fines from $350 to $1,000 for additional offenses  

• Annual surcharge history of $250 for 3 years under the Driver Responsibility Program  

• Driver's license suspension  

• Vehicle registration suspension  

• Possible vehicle impoundment  

• SR-22 filing requirement  

SR-22 Insurance in Texas: High-Risk Filings 

Need SR-22 insurance in Texas? Kemper Auto can help you file your SR-22 certificate and assist drivers working to restore their driving privileges. Contact a local agent to get started. 

An SR-22 is not an insurance policy. It is a certificate of financial responsibility that your insurance company files with the Texas Department of Public Safety (DPS) and adds to your auto insurance policy. The filing confirms that you maintain at least the state's required liability insurance coverage. 

You may need an SR-22 filing for reasons such as: 

• DUI or DWI convictions  

• Driving without insurance  

• License suspension or revocation  

• Multiple at-fault accidents  

• Serious traffic violations  

In Texas, SR-22 filings are generally required for two years from the date of your license suspension, although some violations may require a longer filing period. If your insurance policy lapses or is canceled while an SR-22 is required, your insurer must notify the Texas DPS, which can result in your driver's license being suspended again. 

Kemper Auto specializes in non-standard auto insurance and offers SR-22 filing services for qualifying drivers, including some non-owner SR-22 options where available.  

Texas Full Coverage Car Insurance: What It Includes 

Full coverage car insurance that Texas drivers purchase usually combines liability coverage, collision coverage, and comprehensive coverage into one policy package. "Full coverage" is not a legal term under Texas law. Instead, it generally refers to broader insurance coverages beyond the state’s minimum liability requirements. 

Most lenders and leasing companies require full coverage for financed or leased vehicles in Texas. 

Minimum Coverage vs. Full Coverage 

Minimum Coverage 

Minimum coverage only includes liability insurance required by Texas law. While it can help drivers legally meet state requirements, it does not pay for damage to your own vehicle after an accident. 

Full Coverage 

Full coverage combines liability, collision, and comprehensive coverages. The term “Full coverage” is not a formal name of a policy plan but instead an umbrella term used to help define what coverage types are included in one policy.  

Third-party industry data from Forbes estimates average annual costs at around: 

• Approximately $703 annually for minimum coverage  

• Roughly $2434 annually for full coverage  

Drivers in areas such as Houston, Dallas-Fort Worth, and San Antonio may benefit from full coverage due to higher traffic density, hailstorm exposure, and flood risks. 

Finding the Cheapest Car Insurance in Texas: Costs and Savings 

Drivers searching for the cheapest car insurance in Texas should compare both price and protection levels. The lowest premium may not always provide enough financial protection after an accident. 

Factors That Affect Texas Car Insurance Costs 

• Driver age and driving experience  

• Driving record and accident history  

• Vehicle make, model, year, and safety features  

• ZIP code and location  

• Coverage limits and deductibles  

• Annual mileage  

• Claims history  

• Credit-based insurance score  

Texas-Specific Cost Factors 

• Severe weather risks including hailstorms, tornadoes, and flooding  

• Heavy traffic in Houston, Dallas, Austin, and San Antonio  

• Higher uninsured driver rates statewide  

Ways to Save on Car Insurance 

• Paid-in-Full Discount 

  Save when paying your policy premium upfront.  

• Proof-of-Prior-Insurance Discount 

  Drivers with continuous coverage may qualify for lower rates.  

• Homeowner Discount 

  Available when someone on the policy owns a home.  

• Good Student Discount 

  Full-time students with at least a 3.0 GPA may qualify.  

• Advanced Purchase Discount 

  Buying your policy before the effective date may lower costs.  

• Multi-Vehicle Discount 

  Insuring multiple vehicles on the same policy can reduce premiums.  

• Kemper Co-Pilot® Discount 

  Eligible drivers may save up to 10% through Kemper Auto's telematics program.  

Explore additional auto insurance discounts that may help lower your premium. 

Why Choose Kemper Auto for Texas Car Insurance 

Texas drivers choose Kemper Auto because we offer car insurance policies designed to fit different budgets and lifestyles. 

Kemper has more than 100 years of insurance experience, a rating of A- (Excellent) by AM Best1, over 4.6 million active policies, and agents and brokers nationwide. Learn more about Kemper. 

Kemper Auto specializes in non-standard personal auto insurance for drivers who may have experienced: 

• Prior insurance lapses  

• SR-22 filing requirements  

• DUI or DWI history  

• Foreign or international driver's licenses  

• Coverage challenges  

Kemper Auto also accepts qualifying matrícula consular cards, passports, and foreign driver's licenses. Additional benefits include: 

• Flexible payment plans  

• Customizable coverage options  

• Local bilingual insurance agents where available 

• SR-22 filing services  

• Non-owner coverage options where available  

Frequently Asked Questions About Texas Car Insurance 

Is car insurance required in Texas? 

Yes. Texas drivers must carry minimum liability coverage of 30/60/25, meaning $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage per accident. Insurers must also offer PIP and UM/UIM coverage. 

Is Texas a no-fault state? 

No. Texas is an at-fault state. The driver responsible for the accident is liable for damages, even though Texas insurers must offer PIP coverage. 

What is Personal Injury Protection insurance (PIP) in Texas and do I need it? 

PIP covers medical expenses and lost wages for you and your passengers, regardless of fault. In Texas, PIP is automatically included on every auto policy unless you decline it in writing. 

What does full coverage car insurance include? 

“Full coverage” is not one coverage but instead an umbrella term used to help define what coverage types are included. Full coverage typically combines liability, collision, and comprehensive coverage. Most lenders and leasing companies require full coverage for financed or leased vehicles in Texas.  

How much does car insurance cost in Texas? 

Costs vary based on the driver, vehicle, location, and coverage selected. Statewide averages estimate roughly $703 annually for minimum coverage and approximately $2434 annually for full coverage, according to Forbes. 

How do I find the cheapest car insurance in Texas? 

Compare quotes, select appropriate deductibles, maintain continuous coverage, and ask about discounts. Kemper Auto offers paid-in-full, prior insurance, multi-vehicle, good student, and Kemper Co-Pilot© discounts. 

What is SR-22 insurance in Texas? 

An SR-22 is a certificate of financial responsibility filed with the Texas DPS confirming that you carry the required minimum liability coverage. It is commonly required after DUI or DWI convictions, driving uninsured, or license suspension. 

What happens if I drive without insurance in Texas? 

Penalties may include fines, license suspension, registration suspension, vehicle impoundment, and an SR-22 filing requirement. 

Can I get car insurance in Texas without a U.S. driver's license? 

Yes. Kemper accepts qualifying non-standard IDs, including matrícula consular cards, foreign driver's licenses, and passports. Acceptance may vary by state and eligibility requirements. 

How quickly can I get car insurance quotes? 

Kemper Auto offers online quotes in minutes, and same-day coverage activation may be available for eligible drivers once payment is received. 

Car Insurance Quotes Texas: Cities We Serve 

Kemper Auto provides personal auto insurance coverage throughout Texas, including major cities and surrounding communities. 

• Houston  

• Dallas  

• San Antonio  

• Austin  

• Fort Worth  

• El Paso  

• Arlington  

• Corpus Christi  

• Plano  

• Lubbock  

States Where Personal Auto Coverage Is Available 

• Arizona  

• California  

• Colorado  

• Florida  

• Georgia  

• Illinois  

• Nevada  

• Oregon  

• Pennsylvania  

• Texas  

Contact a Kemper Auto agent to learn about coverage needs by state. 

Getting Car Insurance Quotes in Texas 

Getting car insurance quotes to compare is simple with Kemper Auto. Whether you need basic liability coverage, SR22 filings, or full coverage protection, Kemper Auto offers flexible options for a wide range of drivers. 

Information Needed for a Quote 

• Driver information  

• Vehicle details  

• Driving history  

• Desired coverage levels  

• ZIP code  

Ways To Get a Quote 

1. Online quote in minutes  

2. Phone consultation with a licensed agent  

3. In-person meeting with a local Texas agent  

Eligible drivers may qualify for same-day coverage activation. 

Kemper Auto helps to make switching insurance companies simple and can help drivers transition from a previous policy. Texas drivers can also benefit from bilingual (English-Spanish) support, flexible payment plans, discount opportunities, and SR-22 filing services. 

Get a Free Auto Insurance Quote in Texas Today 

Texas drivers can count on Kemper Auto for personalized auto insurance coverage options that match their needs and budget. 

• Assistance from Spanish-bilingual agents where available  

• Personalized car insurance policies  

• Flexible payment plans  

• Acceptance of matrícula consular and foreign or international driver's licenses  

• Coverage for drivers who have faced insurance challenges  

Get a free car insurance quote for Texas or contact a local agent for assistance. 

Car Insurance in Texas from Kemper Auto can help drivers stay insured with affordable coverage options, flexible payment plans, and support from local Texas insurance agents.