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Getting Car Insurance in Texas

Here at Infinity Insurance, one of our jobs is to make sure your Texas auto insurance policy aligns with the minimum coverages required by the Texas Department of Insurance. The list below shows the minimum requirements, but each policy can be customized to suit your needs. Some drivers opt for more coverage to ensure they are adequately covered in the event of an accident. The minimum required auto insurance coverage includes:

  • Bodily Injury Liability: $30,000 per person and $60,000 per accident
  • Property Damage Liability: $25,000
  • Personal Injury Protection (PIP): $2,500 (unless you reject this coverage)
  • Uninsured Motorist Bodily Injury: $30,000 per person and $60,000 per accident (unless you reject this coverage)
  • Uninsured Motorist Property Damage: $25,000 and a $250 deductible (unless you reject this coverage)

Still not sure about the state’s minimum requirements? For more information on Texas’s auto insurance laws or if you have any other questions give us a call!



What Determines My Car Insurance Rates in Texas?

There a several factors that determine your Texas auto insurance rates. Maintaining a clean driver’s license is often one of the main factors in determining insurance prices. Some additional factors include:

  • Your driving history
  • Vehicle make/model/year
  • Your location
  • Number of people in your household (of driving age)

Car accidents in Texas, fault or no-fault?

Texas is considered an at-fault state, meaning before damages can be awarded one of the drivers must be found at fault. The party considered "at-fault" will be responsible for paying any medical expenses, loss of wages, or repair cost associated with the car accident.

In order for an injured party to collect the full damages owed to them, they must be proven to be less than 50% responsible for the accident. This is what's called modified comparative negligence, once the proper fault is assigned the injured driver can be paid the damages owed.

In some cases, the amount owed in damages to the injured party is more than the at-fault driver's insurance coverage. In these cases, the injured party could sue the at-fault driver's car insurance company to recover the difference or they may elect to use an Uninsured Motorist or Underinsured Motorist policy to cover the gap. UM, or UIM is a form of liability insurance that can help whenever the at-fault drivers' insurance isn't enough to cover damages.

What Insurance discounts are available in the state of Texas?

Great question! We offer several discounts for all of our car insurance policyholders. Now you can protect your car and save some money while you're at it.

  • Multi-car discounts - Save up to 38% when you insure multiple vehicles with Infinity.
  • Safe driver discount - Staying accident-free pays off. Save up to 25% on your policy for having a clean driving record.
  • Paid in full discount - Prepay your policy in full and save an additional 15%.
  • Electronic payment discount - Set-up monthly auto payments and save.
  • Switch and Save discount - Tired of your current insurance company? Make the switch to Infinity and save up to 15%.

There are some additional discounts you may qualify for, just contact an Infinity Insurance agent near you and they'll determine your eligibility and answer any specific questions you may have.

What About the Perks?

When you choose Infinity as your auto insurance company, we want you to be happy with your insurance policy. One of the ways we make that happen is by offering “extras,” such as Infinity Driver’s Club and 24-hour roadside assistance. There is no membership fee, and you only pay per use! Infinity Driver club members can use the roadside assistance feature even as a passenger in a vehicle.

Our members gain access to an Infinity authorized repair shops and tow facilities, which have been pre-screened for quality and affordability.

In addition to our DriverClub we offer a bilingual children’s library to promote bilingual literacy and competence.

And don’t miss our Knowledge Center Blog: It's one of the best places to watch entertaining videos and read about interesting topics.

Learn useful life skills like how to check your tire pressure, change a flat tire, fix a cracked windshield, and so much more!

Obtain a Texas car insurance Quote

Are you ready to get a quote for your vehicle? Our Infinity customer service representatives are ready to help. Call us now at 1-800-Infinity to get started. In most cases, we can have a quote for you in less than 5 minutes.

Contact one our Texas Insurance Agents Below for a Quote

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This material is for general informational purposes only. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability.