Car Insurance Texas

Car Insurance in Texas

Elevate Your Insight

Learn more about the Car Insurance policies available in Texas and beyond. One of agents can help you find the policy that's right for you.

Get a Car Insurance quote from our Texas experts


Elevate Protection Group, LLC

What is car insurance?

Car insurance is a contract between you and an insurance company that provides financial protection in case of an accident, theft, or damage to your vehicle. In exchange for paying a premium, the insurance company agrees to cover certain costs related to damages, injuries, or legal expenses that might occur after an incident involving your car. In Texas, car insurance is legally required, and having the right coverage ensures you’re protected both financially and legally.

Car Insurance Texas

What risks are covered under car insurance?

Car insurance in Texas typically falls into several categories. Here’s an overview of what your policy might cover:

  1. Liability coverage: Liability coverage is a key part of your car insurance policy and is required by law in Texas. It covers the cost of damages or injuries you cause to others in an accident. There are two types of liability coverage:
    • Bodily injury liability: Pays for medical expenses, lost wages, and pain and suffering for others if you’re at fault in an accident.
    • Property damage liability: Covers the cost of repairing or replacing another person’s property (usually their vehicle) if you cause an accident.
  2. Collision coverage: This coverage pays for damage to your own vehicle if you are involved in an accident, regardless of who is at fault. Collision coverage is useful for protecting your car if you hit another vehicle or an object, like a fence or a tree.
  3. Comprehensive coverage: Comprehensive coverage pays for damage to your vehicle that is not caused by a collision. This can include damages caused by natural disasters, vandalism, theft, or animal collisions. 
  4. Medical payments coverage: This type of coverage, often referred to as MedPay, pays for medical expenses resulting from an accident, regardless of who is at fault. It covers you and your passengers and can help pay for doctor visits, hospital stays, or even funeral costs in the event of a fatal accident.

Get a Quote

Provide us with your details, and we'll create a personalized quote designed specifically for your Car Insurance needs.


Car Insurance Texas

Does car insurance cover rental cars?

Yes, car insurance can cover rental cars under certain conditions, but it depends on the type of coverage you have. If you have comprehensive and collision coverage, your policy may extend to cover damages to a rental car in the event of an accident, theft, or vandalism. Additionally, many car insurance providers offer rental car reimbursement coverage, which helps pay for the cost of renting a car if your own vehicle is being repaired after an accident. It’s important to check with your insurer to confirm whether your current policy covers rental cars and to understand any limitations or exclusions.

  • Standard car insurance policies typically do not cover custom parts or modifications made to your vehicle, such as upgraded sound systems, custom wheels, or aftermarket body parts. However, some insurers offer additional coverage for these items, often referred to as “custom parts and equipment coverage.” If you have made significant modifications to your car, you may want to add this extra coverage to ensure that your custom parts are protected in case of theft, damage, or an accident. Check with your insurance provider to see if this option is available.

  • Yes, car insurance can cover damages caused by uninsured or underinsured drivers if you have uninsured/underinsured motorist (UM/UIM) coverage as part of your policy. This type of coverage helps pay for medical expenses, property damage, and other costs if you’re involved in an accident where the at-fault driver does not have enough insurance or has no insurance at all. In Texas, this coverage is optional, but it can be highly beneficial in protecting yourself from financial loss in these situations. Be sure to review your policy to ensure you’re covered in the event of an accident with an uninsured or underinsured driver.

  • If you use your car for ridesharing (e.g., Uber, Lyft) or delivery services (e.g., DoorDash, Postmates), your personal car insurance may not provide full coverage. Most personal auto insurance policies exclude coverage for commercial use, including ridesharing and delivery. However, ridesharing companies often provide limited coverage while you’re working, but the coverage may not be as comprehensive as your personal policy. To ensure full protection, you may need to purchase a specific ridesharing or commercial auto insurance policy. It’s important to check with your insurance provider and understand how your coverage applies when you’re using your vehicle for business purposes.

  • The cost of car insurance can vary based on several factors. Here are the most important ones that can affect your premiums:

    1. Driving record: Your driving history is one of the biggest factors affecting the cost of your car insurance. Drivers with a clean record of no accidents, traffic violations, or claims usually pay less than those with a history of accidents or violations. Insurance companies see drivers with clean records as less risky.
    2. Vehicle type: The make, model, and year of your vehicle play a role in determining how much you’ll pay for insurance. High-performance cars or vehicles with expensive parts are typically more expensive to insure because they cost more to repair or replace.
    3. Age and gender: Younger drivers, especially those under 25, often pay higher premiums because they are considered higher risk by insurance companies. Statistically, younger drivers are more likely to be involved in accidents. Additionally, men tend to pay higher premiums than women, as they are more likely to be involved in high-risk driving situations.
    4. Location: Where you live in Texas can have a significant impact on your insurance rates. Urban areas with higher traffic volumes and a higher incidence of accidents tend to have higher premiums compared to rural areas. Your zip code, crime rates, and weather conditions also influence your premiums.

How can individuals in Texas obtain car insurance?

Reach out to the independent agents at Elevate Protection Group for a fast quote on car insurance in Texas and discover the right coverage for your needs. Our team is committed to providing you with personalized service and helping you find the most competitive rates. Whether you’re looking for basic liability coverage or comprehensive protection, we work with top-rated insurers to ensure you get the best possible deal. Contact us today to get started on securing the peace of mind that comes with knowing you’re properly protected on the road.

Get a Quote

Share your details with us, and our team of friendly agents will be in touch with you soon!