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texas car insurance that’s right for you, not someone sorta like you

We know everything's bigger in Texas, but that doesn't mean your car insurance rates need to be. In fact, Esurance offers affordable auto insurance to Lone Star State residents, as well as 24/7 customer service, and an easy-to-use website — all designed to help save you money, time, and hassle.

Esurance embraces innovative online technology like CoverageMyWay™, which helps prioritize coverage options so you can select the ones you believe will fit you best.

texas car insurance discounts from esurance

Whether you live in Austin, Houston, San Antonio, Dallas, or beyond, 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
  • Paid-in-Full discount
  • Fast 5® discount
  • Homeowners discount
  • Multi-Car 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 at least 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 protections in Texas can give you extra peace of mind if you ever need to make a claim:

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

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 handy 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 report from the Insurance Research Council, 13.3 percent of Texas drivers were without car insurance in 2012. That was just above the national average of 12.6 percent.

Consider adding some type of uninsured motorist coverage to your policy so that you and your passengers are financially protected if injuries or damage to your property result from an accident caused by an uninsured driver.

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

The dangers of summer driving
Read more about some warm-weather road hazards you might face in the Lone Star State.

Personal injury protection (PIP)
Learn more about PIP — from state coverage requirements to how it can help protect you after an accident, and more.

Wonder if you could be saving on car insurance?

get your free quote online

or call 1-800-378-7262