Cheap Texas car insurance | Dairyland® auto

Whether you consider land mass, population, football stadiums, or state capital size—everything is bigger in Texas. So, when you’re shopping for your affordable, mandatory coverage for Texas auto insurance—you’ll want big savings too.

At Dairyland®, we offer cheap Texas car insurance that helps keep you both safe and legal on the road. Get your car insurance quote now or continue to check out the minimum insurance requirements, our optional coverages, and discounts for big savings on auto insurance in the Lone Star State.

Texas car insurance minimum requirements

If you own or drive a vehicle in the state of Texas, you’re required to carry the following liability insurance minimums:

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

Understanding liability insurance coverage

Are you or someone you’re adding to an auto insurance policy new to driving? Whether you’re a teen driver or more experienced, it’s important to understand your car insurance coverage to help you make coverage decisions beyond the car insurance requirements in Texas.

The state of Texas, like most states, requires the purchase of minimum liability insurance. Liability plans include:

Bodily injury: If you’re involved in an accident that you’re fully or partially responsible for causing, this coverage handles passenger and bystander injury costs.
Property damage: This coverage encompasses costs related to property damage caused by an accident you’re fully or partially at fault for.

Considering there can be additional costs related to car accidents, it’s important for you to examine additional options to help ensure you have the coverage you need.

Optional Texas car insurance coverages

In addition to your required bodily injury and property damage minimums, insurers are required to offer the following in Texas—but you’ve got the option to reject them:

Personal injury protection (PIP): This coverage addresses expenses for injuries or medical treatment for you or your passengers regardless of who is at fault in an accident you’re involved in. If you reject PIP in Texas, medical payments coverage is an option, but is limited to only covering medical payments. PIP, on the other hand, is more robust and can cover other accident-related losses like lost wages.
Uninsured/underinsured motorist bodily injury (UM/UIM BI): This helps protect you by covering the cost of injuries to you and your passengers when involved in an accident caused by a driver who either doesn’t have any insurance or doesn’t have enough.
Uninsured/underinsured motorist property damage (UM/UIM PD): If you’re in an accident caused by someone who either doesn’t have insurance or not enough insurance, the cost of property damage is covered with this option.

Paying out of pocket or being sued for damages caused by an accident can be life-altering. Electing to purchase optional forms of insurance can help to ensure you’re covered for damages resulting from a multi-car accident, in cases where another car is totaled, or when an accident occurs where another driver is at fault and doesn’t have any/enough auto insurance.

Optional Texas auto insurance coverage

PIP ($2,500 minimum)
- Coverage will be added by insurer unless rejected by customer
- Limits on all vehicles must be identical
UM/UIM BI ($30,000 minimum)
- Coverage will be added by insurer unless rejected by customer
- Cannot exceed the BI limit
- Limits on all vehicles must be identical
UM/UIM PD ($25,000 minimum)
- Coverage will be added by insurer unless rejected by customer
- Must match the PD limit
- Limits on all vehicles must be identical
- $250 deductible applies

Additional Texas auto insurance coverage offered by Dairyland

Medical payments: If you’re in an accident—regardless of who’s at fault—this covers medical and injury-related treatments. In Texas, you can choose this option instead of PIP.
Comprehensive: This coverage addresses damages to your vehicle that aren’t accident related, such as weather damage, theft, or vandalism.
Collision: This covers the costs related to vehicle damage done by striking or being struck by another vehicle.
Special equipment: If you’ve got custom parts installed in your vehicle, this coverage can help protect them.
Rental reimbursement: This coverage can help you cover car rental expenses due to loss of vehicle due to an accident.
Limited Mexico coverage: If you’re planning a trip to Mexico for less than 10 days, Dairyland will extend your Texas car insurance across the border. If you’ll be extending your stay, travel to Mexico more than five times per month, or are traveling further than 25 miles from the border, talk to a Dairyland agent to receive help getting Mexican liability insurance.

Roadside assistance: This coverage provides 24-hour emergency towing and roadside service when your covered auto is disabled due to a mechanical or electrical breakdown.
Named non-owner: If you don’t own a car but require the use of another person’s vehicle from time to time, this coverage will protect the policy’s named driver by covering costs related to an accident.
SR-22: This certificate proves you are insured and is needed if you’ve had driving violations like a DUI, driving without insurance, an at-fault accident, or another reason—not listed here— that Texas would require one. Dairyland files your Texas SR-22 electronically for free.

Dairyland’s Texas car insurance discounts

To help you save money on the coverage you want, please check out the discounts Dairyland offers:

Transfer: You can receive a discount for switching to Dairyland if you’ve been with another carrier for six months or more.
Homeowner: If you own your own home and it’s insured, you’ll save money with this discount that can be applied to your policy upon creation.
Advanced quote: Plan ahead and request your auto insurance quote at least one week in advance of needing coverage and you’ll benefit from this discount.
Multi-car: Does your household have more than one vehicle? Save money by insuring them all with Dairyland.
Paid-in-full: Just like its title states, when you pay your policy in full, you’ll receive a discounted rate.
Defensive driver: You can receive this Dairyland discount by completing a Texas-DMV-approved defensive driving course.
Quarterly/monthly billing program: Enroll in our automated billing program and receive this discount.

In Texas, Dairyland offers 1- to 12-month policy terms with a down payment as low as one month down. These offerings help make your insurance fit your unique circumstances.

If you have any outstanding questions, check out our Dairyland auto FAQs.

Cheap auto insurance doesn’t mean cheap service

Like you, many of our customers prefer in-person service or help via phone. We’re known for the personal touch we deliver from our agents, to our 24-7 claims service, to our friendly customer service team. Contact us for help.

Dairyland offers cheap Texas car insurance: Get a free quote

We’ve been serving drivers like you since 1953, offering industry-leading rates, discounts, outstanding customer service, and easy claims services. Get your quote today and see how Dairyland can help you stay protected in the great state of Texas.

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