Texas Car Insurance Quotes — Compare Rates | Squeeze

Compare Texas car insurance quotes from carriers covering everything from standard to high-risk drivers. See your rate from top TX insurers in minutes.

Texas is one of the largest auto insurance markets in the country, and rates vary widely by region — from hail-prone North Texas to high-traffic Houston and San Antonio metros. Squeeze shops a broad range of Texas carriers, from standard insurers to specialists in high-risk and SR-22 coverage.

FAQs

Is PIP required in Texas?

Insurers must offer it, but you can decline it in writing. If you don't actively reject it, it's typically included at a default coverage level.

What's the minimum coverage required to drive legally in Texas?

30/60/25 — $30,000 per-person and $60,000 per-accident bodily injury liability, plus $25,000 property damage liability.

Can I get SR-22 coverage in Texas through Squeeze?

Yes — Texas has one of the deepest non-standard carrier networks Squeeze shops.

Minimum Coverage Summary

Texas requires drivers to carry:

$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$25,000 property damage liability per accident

Texas is an at-fault (tort) state. Personal injury protection (PIP) is offered by every insurer writing policies in the state, but you can reject it in writing — most drivers don't realize they have to actively decline it or it's added by default.

Rate Factors

Hail and severe convective storms — the Dallas–Fort Worth corridor sits in one of the highest hail-claim zones in the country
High vehicle theft rates in Houston and San Antonio metro areas
Large uninsured motorist population, making UM/UIM coverage worth strong consideration even though it's not mandatory
Wide rural-to-urban rate variation across the state's size

Carrier Note

Squeeze's Texas carrier network includes both standard-market insurers and a deep bench of non-standard carriers for drivers with tickets, accidents, lapses, or SR-22 filings.