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Auto insurance coverage in Texas
Auto Insurance

Auto coverage built for Texas roads

Turn to our team for any auto insurance need

An accident can happen in a heartbeat on I-10 or I-35 — and when it does, you want the confidence that your policy has you covered. Our team of licensed agents helps you build an auto policy that keeps you protected on Texas roads.

Texas law requires every driver to carry liability insurance. We'll make sure your policy meets the state minimum and, more importantly, actually protects what you've worked to build.

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Coverage you can count on

Coverage for everything you drive

In a perfect world, accidents would be easy to avoid. If you get sideswiped on the highway or backed into at the store, trust that our team is standing by to help. We'll find a policy that covers what you drive — on the road, off the road, or on the water.

  • Personal Auto
  • Commercial Auto
  • Motorcycle
  • Boat
  • ATV
  • Golf Cart
FAQ

Frequently Asked Questions

What's the minimum auto insurance required in Texas?
Texas requires liability coverage of at least 30/60/25 — that is, $30,000 for injuries per person, $60,000 total per accident, and $25,000 for property damage. This is the legal minimum, not what most drivers actually need. We recommend higher limits for anyone with assets to protect.
What's the difference between liability and full coverage?
Liability pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in an accident) and comprehensive (theft, hail, fallen trees, animal strikes). If your car is financed or leased, lenders almost always require full coverage.
How can I lower my auto insurance premium?
The biggest levers are raising your deductible, bundling auto with home, maintaining a clean driving record, and using available discount and safe-driver programs. Annual policy reviews with our team catch cases where your rate drifted up or your coverage no longer matches your life.
Does my auto insurance cover me if I drive to another state?
Yes. A standard auto policy follows you across state lines for personal travel within the U.S. and Canada. If you're renting a vehicle on a long trip, call us before you go so we can confirm any gaps.
Do you cover motorcycles, boats, ATVs, and golf carts?
Yes — we write separate specialty policies for motorcycles, boats, ATVs, and golf carts. These aren't automatically covered by your personal auto policy, so if you own any of them, make sure our team knows.
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