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  3. Texas Car Insurance Coverage


Texas Car Insurance

Be protected on the road

The second-largest state in the United States, Texas also features some of the most populated cities in the country — Houston, San Antonio, Dallas, Austin and Fort Worth. The Lone Star State is known for its hot weather, barbecue, popular professional sports teams and historical sites, such as the Alamo. You'll find portions of numerous interstate highways going through the cities and farmlands taking travelers east, west or south of the border.

When it comes to auto insurance, just like its landmarks, cuisine and culture, every state is different. See what coverage and coverage limits Texas requires in the table below. These requirements are just a starting point — you may want to purchase additional coverages or increase your coverage limits.

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With Allstate you expect better coverage and better service. Well, now you can also expect a better price in Texas because we've lowered our rates even more.

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State Map

Auto insurance requirements are based on your location. You're looking at auto requirements in Texas. Pick a new state to see its laws:

Coverage Type
Texas Requirements
Bodily Injury Liability
Helps Cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$30,000 limit per person/$60,000 limit per accident
Property Damage Liability
Helps cover expenses related to the damage of another person's property—like vehicles, homes, buildings and other structures—when an accident is your fault.
$25,000 limit
Uninsured Motorist
Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required
Underinsured Motorist
Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have enough insurance.
Not required
Personal Injury Protection
If you and/or your passengers are hurt in an accident, this helps cover your medical or funeral expenses.
Not required
Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required1
Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
Not required1


All coverages are subject to the coverage limits stated in your policy.

1Although Texas law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.



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Related Resources

State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.

Subject to terms, conditions, and availability. In most states, prices vary based on how you buy. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Ins. Co. & affiliates; Northbrook, IL. © 2021 Allstate Insurance Company

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.

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