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texas car insurance

We know everything's bigger in Texas, but that doesn't mean your car insurance rates need to be. In fact, Esurance offers some of the most affordable car insurance rates to Lone Star State residents, as well as 24/7 customer service, and an easy-to-use website.

Esurance embraces innovative online technology, like Coverage Counselor®, our interactive insurance guide that helps you tailor your coverages and limits to your every need. Every Esurance policy is built to save you time and money, which is why we put your policy management at your fingertips. You can get a free Texas car insurance quote in minutes to see if you can start saving today.

texas car insurance discounts from esurance

We don't mess with Texas residents when it comes to saving ya'll money on your car insurance. When you get a quote, see if you can lasso some of our unique discounts:

  • Good Student discount
  • DriveSense™ discount
  • Fast 5® discount
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Safety Device discount
  • Claim-Free discount
  • Switch & Save® discount
  • Multi-Policy discount

Discounts are subject to eligibility. Current Esurance policyholders can call us at 1-800-ESURANCE (1-800-378-7262) with questions about their discounts.

auto insurance coverages in texas

Required coverages

Drivers in Texas are required to carry bodily injury and property damage liability insurance with these minimum limits:

  • $30,000 bodily injury liability coverage per person
  • $60,000 bodily injury liability coverage per incident
  • $25,000 for property damage coverage per incident

Optional coverages

These additional car insurance coverages in Texas give you extra protection and peace of mind in the event of a claim:

  • Collision coverage
  • Comprehensive coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage
  • Medical payments coverage
  • Personal injury protection (PIP) coverage
  • Uninsured/underinsured motorist bodily injury coverage
  • Uninsured motorists property damage coverage
  • CarMatch Rental Coverage®
  • Towing and labor coverage

If you're a current Esurance policyholder and have questions about your coverages, we have answers. Call us at 1-800-ESURANCE (1-800-378-7262). Some exclusions may apply.

car insurance info in texas

Factors behind Texas car insurance rates

Most insurance companies (including us) typically use factors like your age and driving experience, your driving record and claim history, your ZIP Code, your car's make and model, how frequently you drive, prior insurance history, and your credit-based insurance score to calculate your premium.

No proof of insurance

Those who are convicted of driving without car insurance may be fined $175 to $350 for a first offense.

Luckily, providing proof of coverage can be as simple as having your phone on hand. State law now permits digital proof of insurance so you can access it on your smartphone, tablet, or other device. Esurance policyholders in Texas can even save ID cards to their phones so they're available offline, too, through our free mobile app.

Cancellation of policy

If you've had a policy for 60 days or more, your coverage can be canceled by your insurance company if you don't pay your premium, file a fraudulent claim, or get your license or registration suspended.

Uninsured drivers in Texas

According to a 2011 report from the Insurance Research Council, 15 percent of Texas drivers were without car insurance in 2009. That was above the national average of 13.8 percent.

Consider adding some type of uninsured motorist coverage to your policy so that you and your passengers are protected if injuries or damage to your property result from an accident you didn't cause.

Alternative insurance options

If you're considered a high-risk driver because of serious traffic convictions like DWIs or for other reasons, you may have difficulty getting auto insurance from regular insurance companies. If 2 or more car insurance companies have refused to insure you, you may be able to get insurance through the Texas Automobile Insurance Plan Association (TAIPA).

car repair shops in texas

Esurance customers who take their cars to repair shops in the E-star® network can track repairs online through RepairView® and get their repairs guaranteed for as long as they own the car.

Find an E-star shop near you.

Related links

Car insurance in Austin
Austinites: learn more about buying car insurance in the Lone Star State capital.

Houston car insurance
H-town drivers can discover coverage and discount options from Esurance in their city.

Car insurance for Dallas drivers
Check out Dallas-specific driving and insurance info.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262