Looking for affordable personal auto insurance in Texas? Kemper Auto can help drivers find coverage that matches their needs, whether they need basic liability protection, full coverage, or SR-22 filing services.
Get Coverage That Takes Into Account Your Budget and Lifestyle
- Customizable car insurance policies
- Flexible payment plans
- Spanish-bilingual insurance agents
- Acceptance of matrícula consular and foreign or international driver's licenses
- SR-22 filing services for Texas drivers
Texas law requires drivers to maintain minimum liability insurance coverage to legally operate a vehicle. These Texas car insurance requirements follow the state's 30/60/25 rule under Texas Transportation Code Section 601.072.
Texas is an at-fault state. This means the driver responsible for causing an accident is financially responsible for injuries and property damage resulting from the crash.
Texas Auto Insurance Requirements
According to the Texas Department of Insurance, Texas drivers must carry the following minimum coverage:
- $30,000 bodily injury liability per person
Helps pay for injuries to another person if you cause an accident. - $60,000 bodily injury liability per accident
Covers total bodily injury expenses for multiple injured people in one accident. - $25,000 property damage liability per accident
Pays for damage you cause to another person's vehicle or property.
Beyond the Texas minimum requirements, many drivers choose additional protection to help cover vehicle repairs, theft, weather damage, and roadside emergencies. These optional coverages can provide a stronger financial safety net for Texas drivers.
Learn more about available auto insurance coverage options through Kemper Auto.
- Collision Coverage: Collision coverage helps pay for repairs to your vehicle after a covered accident, regardless of fault. Most lenders require collision coverage for financed or leased vehicles.
- Comprehensive Coverage: Comprehensive coverage helps pay for repairs due to non-collision events such as theft, vandalism, hailstorms, flooding, fire, and animal collisions. This coverage is especially valuable in Texas due to frequent hail and severe weather risks.
- Roadside Assistance: Roadside assistance can help pay for towing, jump-starts, lockouts, tire changes, and fuel delivery when unexpected breakdowns happen.
- Rental Reimbursement: Rental reimbursement coverage helps pay for a temporary rental vehicle while your car is being repaired after a covered claim.
Finding the Cheapest Car Insurance in Texas: Costs and Savings
Drivers searching for the cheapest car insurance in Texas should compare both price and protection levels. The lowest premium may not always provide enough financial protection after an accident.
- Driver age and driving experience
- Driving record and accident history
- Vehicle make, model, year, and safety features
- ZIP code and location
- Coverage limits and deductibles
- Annual mileage
- Claims history
- Credit-based insurance score
Texas-Specific Cost Factors
- Severe weather risks including hailstorms, tornadoes, and flooding
- Heavy traffic in Houston, Dallas, Austin, and San Antonio
- Higher uninsured driver rates statewide
- Paid-in-Full Discount
Save when paying your policy premium upfront. - Proof-of-Prior-Insurance Discount
Drivers with continuous coverage may qualify for lower rates. - Homeowner Discount
Available when someone on the policy owns a home. - Good Student Discount
Full-time students with at least a 3.0 GPA may qualify. - Advanced Purchase Discount
Buying your policy before the effective date may lower costs. - Multi-Vehicle Discount
Insuring multiple vehicles on the same policy can reduce premiums. - Kemper Co-Pilot® Discount
Eligible drivers may save up to 10% through Kemper Auto's telematics program.
Explore additional auto insurance discounts that may help lower your premium.
Kemper Auto provides personal auto insurance coverage throughout Texas, including major cities and surrounding communities.
- Houston
- Dallas
- San Antonio
- Austin
- Fort Worth
- El Paso
- Arlington
Driving without insurance in Texas can lead to serious financial and legal consequences. According to the Texas Department of Insurance you may face several penalties if you fail to present proof of valid auto insurance during a traffic stop or a car accident:
- Fines from $175 to $350 for a first offense
- Fines from $350 to $1,000 for additional offenses
- Annual surcharge history of $250 for 3 years under the Driver Responsibility Program
- Driver's license suspension
- Vehicle registration suspension
- Possible vehicle impoundment
- SR-22 filing requirement
SR-22 Insurance in Texas: High-Risk Filings
Need SR-22 insurance in Texas? Kemper Auto can help you file your SR-22 certificate and assist drivers working to restore their driving privileges. Contact a local agent to get started.
An SR-22 is not an insurance policy. It is a certificate of financial responsibility that your insurance company files with the Texas Department of Public Safety (DPS) and adds to your auto insurance policy. The filing confirms that you maintain at least the state's required liability insurance coverage.
You may need an SR-22 filing for reasons such as:
- DUI or DWI convictions
- Driving without insurance
- License suspension or revocation
- Multiple at-fault accidents
- Serious traffic violations
In Texas, SR-22 filings are generally required for two years from the date of your license suspension, although some violations may require a longer filing period. If your insurance policy lapses or is canceled while an SR-22 is required, your insurer must notify the Texas DPS, which can result in your driver's license being suspended again.
Kemper Auto specializes in non-standard auto insurance and offers SR-22 filing services for qualifying drivers, including some non-owner SR-22 options where available.
Texas Full Coverage Car Insurance: What It Includes
Full coverage car insurance that Texas drivers purchase usually combines liability coverage, collision coverage, and comprehensive coverage into one policy package.
"Full coverage" is not a legal term under Texas law. Instead, it generally refers to broader insurance coverages beyond the state’s minimum liability requirements.
Most lenders and leasing companies require full coverage for financed or leased vehicles in Texas.
Minimum Coverage vs. Full Coverage
- Minimum Coverage: Minimum coverage only includes liability insurance required by Texas law. While it can help drivers legally meet state requirements, it does not pay for damage to your own vehicle after an accident.
- Full Coverage: Full coverage combines liability, collision, and comprehensive coverages. The term “Full coverage” is not a formal name of a policy plan but instead an umbrella term used to help define what coverage types are included in one policy.
Third-party industry data from Forbes estimates average annual costs at around:
- Approximately $703 annually for minimum coverage
- Roughly $2434 annually for full coverage
Drivers in areas such as Houston, Dallas-Fort Worth, and San Antonio may benefit from full coverage due to higher traffic density, hailstorm exposure, and flood risks.
Frequently Asked Questions About Texas Car Insurance
Getting Car Insurance Quotes in Texas
Getting car insurance quotes to compare is simple with Kemper Auto. Whether you need basic liability coverage, SR22 filings, or full coverage protection, Kemper Auto offers flexible options for a wide range of drivers.
Information Needed for a Quote
- Driver information
- Vehicle details
- Driving history
- Desired coverage levels
- ZIP code
Ways To Get a Quote
- Online quote in minutes
- Phone consultation with a licensed agent by calling 877-352-0068
- In-person meeting with a local Texas agent
Eligible drivers may qualify for same-day coverage activation.
Kemper Auto helps to make switching insurance companies simple and can help drivers transition from a previous policy. Texas drivers can also benefit from bilingual (English-Spanish) support, flexible payment plans, discount opportunities, and SR-22 filing services.
As of Aug 2025, the insurance companies of Kemper Property & Casualty Group and Kemper Life Group are rated A- (Excellent) by AM Best. For the For the latest Best’s Credit Rating, access www.ambest.com. American Access Casualty Company is not rated.