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.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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30,000/60,000*
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25,000/50,000
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Property Damage Liability
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25,000*
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25,000
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Uninsured Motorist Bodily Injury
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Not required
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25,000/50,000
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Personal Injury Protection
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Not required*
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2,500
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Medical Payments
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Not required*
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2,000
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Comprehensive
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Not required*
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500 deductible
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Collision
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Not required*
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500 deductible
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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.
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Minimum Entry Age
(Optimal: 16)
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15
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has provision, but is not optimal
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: No teenager passengers or only one-family excepted)
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Has optimal provision
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Minimum exit age/ Minimum age at which restrictions are lifted
(Optimal: 18)
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17
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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.
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