Cheap car insurance in Texas

To legally drive in Texas, you need to carry the minimum required limits of the following car insurance coverages:

• $30,000 for bodily injury liability or death of one person

• $60,000 for bodily injury liability or death of two or more people

• $25,000 for property damage liability per accident

In Texas, insurance companies are required to add UM/UIM coverages to your auto insurance policy unless you specifically reject these coverages in writing.

• $30,000 for UM/UIM bodily injury or death of one person

• $60,000 for UM/UIM bodily injury or death of two or more people

• $25,000 for UM/UIM property damage per accident

You aren’t required to carry UM/UIM on your policy, but it's a good idea, given that 2.6 million vehicles are registered in Texas that do not have auto insurance.*

Personal injury protection (PIP) can help pay for reasonable and necessary medical expenses if you and/or your passengers are injured in an accident. PIP may also help you recoup certain costs, such as:

• Lost wages

• Lost services

• Funeral expenses

This coverage is added to your policy unless you specifically reject it and sign a form stating you do not want or require this insurance.

Carrying the coverages listed above helps you comply with state laws, but those coverages alone can still leave you vulnerable to significant out-of-pocket expenses following an accident. In Texas, you can choose to add the following coverages to your policy:

Collision insurance can help pay for repairs to your vehicle when it's damaged in a collision with another vehicle, or if you hit a stationary object like a fire hydrant or tree.

Collisions aren't the only incidents that can cause damage. If your car is vandalized, stolen, damaged by hail, or caught in certain types of natural disasters, comprehensive coverage can help pay for your vehicle repairs and/or other covered losses.

Hospital bills aren't getting any cheaper these days, even for minor procedures—and that doesn’t even take into account the added cost if you need an ambulance ride following an accident. Medical payments coverage can help you pay for medical expenses if you and/or your passengers are injured in an accident, regardless of who was at fault.

Adding custom equipment or features to your vehicle can help make it unique. But what happens if those customizations are damaged in an accident? Special equipment coverage can help pay for those repairs.

This coverage is available up to $3,000; you can select it as an add-on if you have both collision and comprehensive coverages.

If your car sustains covered damages and needs to spend some time in the shop for repairs, rental reimbursement coverage can help pay for the cost of renting a vehicle while your car is getting fixed.

With this coverage, you can receive up to $40/day for up to 30 days, for a maximum of $1,200. Like special equipment coverage, rental reimbursement is only available as an add-on if both comprehensive and collision coverage are on your policy.

Non-owner car insurance can help protect you by providing liability coverage if you cause an accident while driving a covered vehicle you don't actually own. Just keep in mind it doesn't apply to vehicles owned by people you live with.

Texas drivers can opt for an insurance endorsement that extends their current policy when driving in Mexico within 25 miles of the United States border. Just keep in mind, there are a few limitations to this coverage:

• If every insured individual has collectively made more than five trips into Mexico in the 30 days leading up to the loss, this coverage won't apply.

• The endorsement is also considered void if the total days all insured individuals have spent in Mexico are more than 10 in the 30 days leading up to the loss.

Basic ($75) and expanded ($100) roadside assistance provides you 24-hour emergency towing services or other assistance if you experience a mechanical or electrical breakdown while driving the vehicle listed on your policy.

If you've recently had your license suspended, restricted, or revoked, you may need to file an SR22 in Texas. An SR22 isn’t a type of car insurance—instead, it acts as legal confirmation that you carry the state-required minimum amount of car insurance for a certain period. With Dairyland, you can file your SR22 form for free.

How can you get the most value out of your car insurance? Start by talking to your Dairyland agent to see if you qualify for one or more of the following car insurance discounts available to Texas drivers:

• Multi-car

• Homeowners

• Transfer

• Quarterly payment

• Paid in full

• Advanced quote

If you have additional questions or concerns about driving legally in Texas, start here:

The Texas Department of Motor Vehicles (DMV) can help you receive or renew your driver's license, register your vehicle, and even buy or sell a car.

Checking the Texas Department of Transportation (DOT) website before traveling can help you stay safe and informed—you can review maps and traffic cameras, discover rest areas, and more.

Whether you need to insure your primary home or an apartment, purchase health insurance, ask an insurance-related question, or file a complaint, the Texas Department of Insurance has the resources you need.