Who regulates auto insurance in Texas?

The Texas Department of Insurance (TDI) licenses carriers and agents and enforces Texas auto insurance laws. Visit tdi.texas.gov for the premium comparison tool and consumer resources.

What minimum car insurance is required in Texas?

Texas requires minimum liability coverage. Verify current minimums at tdi.texas.gov.

Is Texas an at-fault state?

Yes — Texas is an at-fault state with modified comparative fault (51% bar rule). The at-fault driver's liability coverage pays for damages to others.

Why is comprehensive coverage important in Texas?

Texas has among the highest hail loss frequencies in the US, along with hurricane risk on the Gulf Coast and flooding risk statewide. Comprehensive coverage covers all three.

How do I compare auto insurance in Texas?

Use the TDI's auto insurance premium comparison tool at tdi.texas.gov. Get quotes from at least three major carriers — Houston and Dallas rates vary significantly by carrier.

Car Insurance in Texas

Texas is the second-largest auto insurance market in the US. Houston, Dallas, San Antonio, and Austin all have distinct underwriting profiles. Texas's severe weather (hail, flooding, tornadoes) makes comprehensive coverage one of the most claimed coverages in the state.

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