Car Insurance in Texas

With 80+ carriers and an experienced team, First Step Insurance Agency can help Texas residents find the perfect car insurance coverage to fit their needs.

Car Insurance Texas

Car Insurance in Texas

Learn more about First Step Insurance Services car insurance coverage offerings and get a quote from our Texas agents today!

What is car insurance?

Owning a vehicle comes with inherent risks, as virtually all drivers will eventually be in an accident. When something goes wrong on the road, car insurance can give Texas drivers important financial protection.

Car insurance can protect against accidents and many other incidents. Policies often provide protection for a vehicle, its driver/owner and any passengers.

Car Insurance Texas

What drivers are required to carry auto insurance?

Texas state law broadly requires drivers who operate vehicles on public roads to be insured with minimum amounts of auto insurance. Additional coverage is widely recommended.

The minimum requirements per state law are as follows: $30,000/person and $60,000/accident of injury liability, and $25,000/accident of property damage liability. This is sometimes referred to as a 30/60/25 policy.

Because state minimum requirements are so low, most drivers choose higher limits and more coverages. An insurance agent who specializes in auto policies can help drivers determine exactly what limits and coverages they should have.

What coverages can drivers get through auto insurance policies?

Auto insurance policies can provide a diverse selection of coverages. Some (e.g. usually state minimum coverages) are standard, and others are optional. A few protections that drivers frequently get are:

  • Personal Injury Protection (PIP): Usually provides protection for individuals inside the vehicle who sustain injuries
  • Medical Payments Coverage: Usually provides protection for medical expenses for individuals inside the vehicle
  • Bodily Injury Liability Coverage: Usually provides protection for injuries sustained by individuals in other vehicles or who are pedestrians
  • Comprehensive Coverage: Usually covers damage to the vehicle that is not caused by accidents
  • Collision Coverage: Usually covers damage that occurs in accidents involving other vehicles
  • Property Damage Liability Coverage: Usually covers damage to other vehicles or property
  • Uninsured Motorist Coverage: Usually covers accidents involving drivers who are illegally uninsured

In addition to these, umbrella insurance can also be purchased. Umbrella insurance is a form of secondary insurance that may provide additional coverage if a primary underlying policy’s limit is exhausted. An umbrella policy might add $1 million+ of coverage onto an auto insurance policy (and/or other insurance policies).

Car Insurance Texas

What does it mean that Texas is an at-fault state?

Insurance laws in Texas make it an at-fault state. This means that a driver who’s responsible for an accident can be held financially liable. Other drivers are allowed to sue if necessary.

In any at-fault state, it’s especially important to carry sufficient bodily injury liability and property damage liability coverage. Drivers should also have enough uninsured motorist coverage in case another driver doesn’t have sufficient insurance and causes an accident.

How much does it cost to insure a car?

Insurance premiums for auto policies are based on numerous factors, including the type of car, the driver’s history, some personal information, and other details. Even credit score can impact rates.

The best way to find out how much insurance will cost is to work with an independent insurance agent. Independent agents are able to request customized quotes from multiple insurance companies, which makes it easy to see which company offers the best combination of coverages and premiums. 

Of course, an independent agent can also help explore all available discounts. Insurance companies commonly offer discounts for remaining accident-free, remaining a loyal customer, purchasing multiple policies, being a good student, and many other criteria.

First Step Insurance Services

How can drivers get car insurance?

For help insuring a vehicle that’s registered in Texas, contact the independent insurance agents at First Step Insurance. We’ve helped many drivers insure their vehicles, and we’ll work closely with you to make sure you get all of the car insurance protections needed when on the road.


Reach out to our independent Texas insurance agents for quotes, questions, or any other needs!

First Step Insurance Services

First Step Insurance Services

5718 Westheimer Rd, Suite 1000
Houston, TX 77057