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Or call 1-800-378-7262.

Bundle your Texas auto insurance with home insurance and save up to 10 percent with our Multi-Policy discount.

affordable texas car insurance

According to the Texas Department of Insurance, roughly 20 percent of drivers in Texas are uninsured, which means if you're in an accident, there's a 1 in 5 chance the other driver won't have insurance. That can be a little unnerving. But fortunately Esurance can help with customizable car insurance, which could protect you in these cases and much more.

Esurance's easy-to-use online quoting system is designed to help you personalize a plan so that you only pay for coverage you actually need. That way, you can get the best available auto insurance rates without forfeiting quality protection. Our low-cost options in Texas range from the most basic liability coverage — the minimum level of car insurance required by the state — to more comprehensive coverages that could financially protect you against a whole host of hazards. Plus, our long list of available discounts can help reduce your premium.

Compare car insurance quotes quickly and easily to see how Esurance could offer you the best auto insurance rates around. Whether you live in a major city like Austin, Houston, San Antonio, Dallas, or somewhere in between, Esurance provides 24/7 claims, dependable roadside assistance, and top-notch customer service, all to help you drive with confidence.

what our customers say

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I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

— Paul, Florida

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Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

— Maudryanna, North Carolina

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The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

— Aaron, Virginia

texas auto insurance discounts from esurance

Our competitive car insurance rates and discounts allow us to provide the best car insurance at a lower cost to you.

Plus, many car insurance discounts can be yours without any extra effort on your part. Did you know you could save money on auto insurance just by owning a home or driving a car with an airbag?

Other ways to save on auto insurance include:

  • Having multiple cars on a policy
  • Maintaining a safe driving record
  • Earning good grades in school
  • Maintaining continuous car insurance

Get more details on Esurance auto insurance discounts. If you have questions about ways you can save money on your current Esurance policy, call us at 1-800-ESURANCE (1-800-378-7262). Discounts are subject to eligibility.

texas auto insurance requirements

Like most states, Texas has minimum car insurance requirements — but you can also choose to increase your coverage for additional protection.

Required Texas 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:

Check out our list of coverage options for your policy and customize a policy that meets your needs.

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

Austin car insurance

Dallas car insurance

Houston car insurance

San Antonio car insurance

Car insurance for teens
We help you weigh the pros and cons of adding your teen to your policy, so that you can better gauge your options.

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.