Texas
Auto Insurance Coverages

There are so many companies offering auto insurance in Texas. How do you know if you're choosing the right one? Allstate offers a variety of auto insurance policies, optional insurance coverages and other insurance products designed to meet your needs. And if your auto insurance needs change, your local Allstate agent will take time to help you make the right adjustments. If you have a teen driver, there are other considerations such as TX's Graduated Driver Licensing laws (refer to chart below).

For more information on this state, visit the Texas State Information or Texas State Catastrophe page.

Texas Auto Insurance Coverage Scale

Choosing what auto insurance coverages are right for you in Texas can be challenging. You can use the Texas auto insurance coverage levels chart below as a starting point for understanding the Texas coverage level requirements and for reviewing the most common car insurance coverages.


	Coverage		State Requirements	Most Common

	Bodily Injury Liability		25,000/50,000*	25,000/50,000

	Property Damage Liability		25,000*	25,000

	Uninsured Motorist Bodily Injury		Not required	25,000/50,000

	Personal Injury Protection		Not required*	2,500

	Medical Payments		Not required*	2,000

	Comprehensive		Not required*	500 deductible

	Collision		Not required*	500 deductible

Texas Graduated Driver Licensing

Graduated Driver Licensing laws have been proven to save teen lives. Review the Texas GDL laws with your teen. Use this information to set rules for your teen driver and help protect them on the road.


	Insurance Institute for Highway Safety Rating			Fair

	Minimum Entry Age (Optimal: 16)			15

	Extended Learner Period (Optimal: at least 6 months)			Has optimal provision

	Parent Certification (Optimal: 30 hours minimal)			Has no provision

	Night Restriction (Optimal: 9 or 10 p.m.)			Has the provision but it is not optimal

	Passenger Restriction (Optimal: only 1 non-family member)			Has optimal provision

	Minimum Exit Age (Optimal: 18)			16 years, 6 mo

For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Arkansas, Colorado, Kansas, Louisiana, Missouri, Mississippi, New Mexico, Oklahoma

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Texas. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.

Texas Auto Insurance Coverages