Affordable, quality car insurance in Texas
From Houston to San Antonio, Austin to Dallas, and Fort Worth to El Paso, good drivers in Texas can get great coverage at affordable rates with Root. Just download our app, start your test drive, and see if your good driving will save you money on auto insurance in Texas.
How it works
Traditional auto insurance companies base your rate on demographics. That means you’re paying based on your age, ZIP code, marital status, and other factors that have nothing to do with your driving habits. We don’t think that’s fair, so Root bases your insurance rate primarily on how you drive, not who you are.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for auto insurance in Texas
What are the minimum auto insurance requirements in Texas?
Texas requires all drivers to be able to pay for damages and injuries they cause in a car accident. There are several options to fulfill this requirement, including buying Liability car insurance—coverage that helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). Texans are not required to carry no-fault insurance.
Liability coverage
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.
Minimum Liability insurance in Texas:
$30,000 Bodily Injury (per person)
$60,000 Bodily Injury (per accident – multiple people injured)
$25,000 Property Damage
What other coverages does Root offer in Texas?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
What is the average cost of car insurance in Texas?
Drivers in Texas pay an average of $2,050[1] in annual premiums—that’s the 4th highest in the nation. With Root, good drivers could save up to $900 a year. It’s easy. Just download the app to get started.
Start saving on car insurance
Get a car insurance quote based primarily on how you drive. You could save hundreds.
References
Insure.com. Annual average rates were compiled in April 13, 2020
Additional Resources
Texas Car Insurance – DMV.org (not a government agency)