Auto insurance in Texas
Real coverage for Texas roads, from Houston traffic to hailstorms. One local agent compares rates from many carriers so you get the right coverage at the right price.
Rather talk? Call or text (281) 379-5400
Coverage built around your life
Liability
Pays for injuries and damage you cause to others. Texas requires at least 30/60/25.
Collision
Repairs your car after an accident, no matter who is at fault.
Comprehensive
Hail, flood, theft, fire, and hitting a deer.
Uninsured motorist
Protects you when the other driver has little or no insurance.
Personal injury protection
Medical bills and lost wages for you and your passengers.
Extras
Roadside assistance, rental reimbursement, and gap coverage.
One local agent. Many carriers.
We compare quotes from top-rated carriers and walk you through the options. Farmers, Bristol West, and Foremost are our primary carriers, and we have access to many more.
Carrier availability depends on coverage type, property, and underwriting.
What Texans should know
Texas minimum limits
State law requires liability of at least $30,000 per injured person, $60,000 per accident, and $25,000 for property damage (30/60/25). Most drivers are better protected with higher limits.
PIP and UM/UIM are offered by default
Texas insurers must include personal injury protection and uninsured/underinsured motorist coverage unless you reject them in writing. We'll explain what you give up before you decide.
Hail is a comprehensive claim
Texas leads the nation in hail claims. Comprehensive coverage is what pays for hail damage, so check your deductible before storm season.
Driving into Mexico
A U.S. auto policy generally doesn't satisfy Mexican law. We can set up Mexico auto coverage before your trip.
Common questions
How much auto insurance do I really need in Texas?
The legal minimum is 30/60/25, but a serious accident can cost far more. Many of our clients choose 100/300/100 or higher, plus an umbrella if they own a home. We'll help you match limits to what you have to protect.
Can you help if I have tickets, an accident, or need an SR-22?
Yes. Bristol West and other carriers we work with specialize in drivers with a less-than-perfect record, and we can file an SR-22 when it's required.
Will bundling home and auto save me money?
Often, yes. Many carriers offer a multi-policy discount. We'll quote both ways so you can see the difference.
How fast can I get proof of insurance?
Once your policy is bound we can usually send ID cards the same day by email or text.
Talk to a real Texas agent
25+ years helping Texans. Licensed in Texas, #3522877. Mon–Fri 8–5, Sat 9–1.
Check my priceCall (281) 379-5400