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Texas Car Insurance Quotes

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Texas is the largest state in the United States, second only to Alaska. It contains landscapes that range from deserts to beaches and mountain ranges. Texas was its own independent country before it joined the United States. The residents of the large state still exhibit a unique sense of pride and independence.

If you are going to move to Texas any time soon, you should start researching your car insurance options right away. Looking for insurance in a new state can be intimidating at first, but there is no reason for you to spend more than you need to on a car insurance policy. Comparing three or more online insurance quotes will give you the information you need so that you can make a good decision.

Every car insurance customer should compare offers from different insurance companies periodically, no matter how pleased they are with their current agency. As life changes, your premium will change as well. When there is a natural opportunity for you to compare quotes from different companies, like policy renewal time, you should take advantage of it to make sure you are paying competitive rates.

Mandatory Insurance Coverage in Texas

- Bodily Injury Insurance Minimums

  • $25,000 per person injured in any one accident
  • $50,000 for all persons injured in any one accident

- Property Damage Insurance Minimums

  • $25,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

- Uninsured Motorist (UM) / Underinsured Motorist (UIM)

  • UM coverage must be at least as much as the minimum legal bodily injury coverage, but cannot exceed the amount of bodily injury coverage purchased.

- Personal Injury Protection (PIP)

  • PIP can be purchased up to $25,000 to cover medical expenses, lost wages, and funeral costs. Motorcycle owners cannot purchase PIP.

How much will your insurance cost in Texas? Enter your zip code into the form below to find out.

Enter Your Zip Code To Compare Rates:

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As the song says, if you're going to play in Texas, you'd better have a fiddle in the band. And if you're going to drive in Texas, you'd better have your car's paperwork in order too. For safety and air quality reasons, new residents must get an inspection sticker and register your vehicle within 30 days of moving to the Lone Star State.

To get your inspection sticker, you don't need to register your car first, but you do need to show proof of insurance meeting the state's minimum requirements. Inspections are overseen by the Department of Public Safety, not the Department of Transportation. Texas has reciprocal agreements with many other states to honor out-of-state inspections. However, when it is time to register your car in Texas, you will need a valid Texas inspection sticker first. To get the sticker, you need to go to a local Texas inspection station.

Certain counties in Texas also require an emissions inspection. These counties include:

  • Brazoria
  • Fort Bend
  • Galveston
  • Harris
  • Montgomery
  • Collin
  • Dallas
  • Denton
  • Ellis
  • Johnson
  • Kaufman
  • Parker
  • Rockwall
  • Tarrant
  • El Paso
  • Travis
  • Williamson
When you arrive for your safety inspection, valid inspection stations in these counties will also perform an emissions test. Military personnel are not exempt from this test.

Inspection stickers are valid for one to two years. The state allows a grace period of five days after the last day of the sticker expiration month. A one-year inspection for safety only costs $14.50. A two-year sticker is $23.75. The cost for emissions testing varies by county and can range between $14 and $40. Check with your inspection sticker for your cost before you go.

If your vehicle fails inspection, you can bring the repaired vehicle back within 15 days for a free re-test. After that period, you must pay again for a new test. If your sticker becomes damaged or lost, perhaps due to windshield replacement, there is a reduced fee for getting another sticker.


After having the vehicle inspected, owners must take the following documents to the county tax office for registration: 

  • Inspection certificate
  • Proof of liability insurance meeting Texas minimums
  • Odometer reading on vehicles less than 10 years old
  • Original out-of-state title, registration, proof of sales tax payment or current foreign/military ownership document
  • Completed Form VTR 130-U
  • Payment
Fees will include the registration fee, a title application fee of $28 or $33, depending on the county, and a new resident tax of $90. Some additional fees may apply as well. You may wish to call the county tax office first to find out the total cost in advance. Active duty U.S. military and non-resident, full-time students at Texas colleges or universities are exempt from registration and inspection, so long as the state has a reciprocal agreement. Check with the Department of Public Safety to be sure your inspection sticker is valid in Texas.

You must renew your registration annually. Depending on the county, you can do this online, by mail or in person. However, new residents with an expired out-of-state registration must register in person at your Texas local county tax office.

Driving in Texas  

You have 90 days after moving to Texas to get a Texas driver's license. Unlike other states, you do not perform vehicle registrations and driver's license applications at the same office. Instead, you go to a Taxes Driver's License office. Under some circumstances, you can renew your driver's license via the internet. In most cases, those who renewed in person the previous term and have no violations can renew online.

You must pass a vision exam and bring documentation to prove identity, including a photo and thumbprints to complete your driver's license application. You must also surrender your out-of-state license. If your out-of-state license is expired, you must take written and driving tests as well. To apply, find a local Texas Driver's License office, which you can locate via the web.

Bring the following documents with you: 

  • Proof of Social Security Number - your social security card is acceptable, and so are many other documents.

  • Proof of Texas vehicle registration and liability insurance, if you own a vehicle. - Texas insurance requirements include minimum liability insurance coverage in the amounts of $25,000 for bodily injury to, or the death of, a person in one accident and $50,000 minimum for bodily injury to, or the death of, two or more people in one accident. The state also requires minimum liability insurance coverage of $25,000 for damage to, or the destruction of, property belonging to others in one accident. This can include another person’s car or damage to a building or other object if struck by your car.

  • Completed Application for Texas Driver License or Identification Card Form (DL-14A) – available at any Texas Driver's License office

  • Payment for Fees – for those 18 and older, the fee is $25.00 and the license is valid for 6 years. For those 85 and older, the fee is $9.00 and the license is valid for 2 years. The driver's license exam fee is $11.00. These fees are subject to change.
If you fail to carry insurance on your car and a police officer stops you, he or she will issue a ticket. But if you are convicted for no-liability insurance a second time, your license may be suspended. At that point, you will be required to secure an SR-22 for two years after your conviction to get and keep your driver's license. You will also pay a reinstatement fee of $100.

To find out how much insurance will cost you in Texas, enter your new zip code in the box at the top of this page for a free quote.

Car Insurance in Texas

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Corpus Christi Car Insurance
Dallas Car Insurance
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Fort Worth Car Insurance
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