Cheap car insurance in Texas for good drivers

To legally operate a vehicle in Texas, you must demonstrate financial responsibility. Most drivers do this by carrying liability insurance.

To avoid serious expenses in the event of a major accident, you should consider coverage that protects:

• You and your passengers (MedPay coverage)

• Your vehicle (collision and comprehensive)

However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Texas.

No, Texas law requires drivers to demonstrate financial responsibility for accidents they cause. Most drivers meet this requirement by carrying liability insurance and must be able to provide proof of financial responsibility when required.

Yes. Texas requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.

The easiest ways to save on your Texas car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Lone Star State.

No, Texas is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.

Texas law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.

No, Texas drivers are not required to carry uninsured/underinsured motorist coverage. Like all auto insurance companies, Root offers optional UMPD and UM / UIM coverage in Texas to help pay for injuries or vehicle damage when the at-fault driver has no insurance or insufficient coverage. Insurers in Texas must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. We make it easy to choose your coverage in our app.

“Full coverage” isn’t an official type of auto insurance coverage. The term generally refers to a policy that combines liability (Bodily Injury and Property Damage), collision, and comprehensive coverage. Root offers all three.

High-risk Texas drivers may be ordered by a court or the Texas Department of Public Safety to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.

An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.

TexasSure is the Lone Star State's insurance verification database. Law enforcement and county tax offices use it to confirm that a vehicle has active liability coverage, including during traffic stops and when you renew your registration.

Not necessarily. Texas insurers must include $2,500 in personal injury protection (PIP) on every policy unless you reject it in writing. PIP helps pay medical bills and lost wages for you and your passengers, no matter who caused the accident.

Impact Texas Drivers is a distracted driving education program new drivers must complete before taking the driving skills test. Depending on your age and driver education requirements, you'll take either the two-hour Impact Texas Teen Drivers course or the one-hour Impact Texas Adult Drivers course. Your completion certificate is only valid for 90 days, so plan your skills test accordingly.