Car Insurance — Texas
Texas Auto Insurance
Looking for car insurance in Texas? Signature Insurance is an independent agency licensed in Texas. We shop Progressive, Travelers, Nationwide, and Germania and dozens more to find you the right blend of price and coverage.
Get a TX Car Insurance QuoteTexas Auto Insurance — What's Covered
- liability (bodily injury + property damage)
- collision
- comprehensive
- uninsured/underinsured motorist
- medical payments / PIP
- rental reimbursement
- roadside assistance
Texas Auto Insurance Requirements
Texas requires at least $30,000 of bodily injury liability per person, $60,000 per accident, and $25,000 of property damage liability (30/60/25).
Texas is an at-fault state. The driver who causes a crash is responsible for the damage, usually through their liability insurance.
State minimums are a legal floor, not a recommendation. One serious accident can cost far more than these limits, so most drivers are better protected with higher liability limits and uninsured motorist coverage.
Requirements as of 2026. Rules change, so confirm current requirements with your agent.
Top Carriers We Shop in Texas
We have direct appointments with Progressive, Travelers, Nationwide, and Germania plus dozens of regional and specialty markets.
Auto Insurance in Texas FAQ
What are the minimum car insurance requirements in Texas?
Texas requires at least $30,000 of bodily injury liability per person, $60,000 per accident, and $25,000 of property damage liability (30/60/25). Texas is an at-fault state.
How much auto insurance do I need?
At minimum, the liability limits your state requires — but most agents recommend 100/300/100 ($100k bodily injury per person, $300k per accident, $100k property damage) plus uninsured-motorist coverage. If you have meaningful assets to protect, layer an umbrella policy on top.
What discounts can I qualify for?
Common ones we shop for: multi-policy (auto + home), multi-vehicle, paid-in-full, paperless, good driver, defensive driving course, low mileage, telematics, good student, military/affiliation, and homeowner discount (even if your home is insured elsewhere).
Does Signature Insurance write car insurance in Texas?
Yes. Signature is a licensed insurance agency in Texas with direct appointments with Progressive, Travelers, Nationwide, and Germania. You can quote online in 5–10 minutes or call 859-407-4888.
Get Texas Car Insurance Quotes
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9–5 EST.