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Insurance for the great state of Texas

Whether the Texas open prairies or skyscrapers fill your rearview, help protect yourself and your loved ones with State Farm® insurance. Your good neighbor is nearby to help with competitive rates on your home, auto, life insurance and more. You can personalize your quote online or contact an agent to help you create a Personal Price Plan® of insurance coverage that is affordable for youfootnote1.

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Texas-sized auto insurance

Insurance in Texas helps protect you while you’re on the move. We have coverage options for:

Common auto insurance questions

Is auto insurance mandatory in Texas?

Like most states, Texas has a minimum insurance requirement. If you have an accident that’s your fault, this helps cover things like:

  • Property damage: Damage to another’s person’s vehicle or property
  • Bodily injury: Payment for injuries to other people

What are the minimum liability auto insurance requirements in Texas?

Texas minimum insurance requirements are higher than some other states. Texas drivers must have at least:

  • Bodily injury liability: $30,000 per person / $60,000 per accident
  • Property damage liability: $25,000 per accident

Don’t worry; we have coverage options and plans that can help protect you while you’re on the road.

What is full coverage insurance?

Interesting enough, “full coverage” is not actually a type of coverage. You may have heard you need full coverage from a friend or your bank. What they typically mean is some combination of coverages, often including liability, collision and comprehensive coverage in the same policy. 

Talk to an agent in your neighborhood for help getting the car insurance coverage that meets your needs.

What kind of car insurance do you need in Texas?

Depends on how prepared you want to be in case of an accident. Your local agent can help you decide which policy works best for you and your budget.

Home and property insurance in Texas

What does renters insurance cover?

Covers your personal property kept where you live – things like electronics, jewelry and furniture. It’s a good idea to do a home inventory in case your items are stolen or damaged, so you can recoup your losses.

Is renters insurance important to have?

YES. In case of theft, vandalism or fire, renters insurance will cover the loss of your personal property – even things like the cost of a hotel stay if your residence is uninhabitable due to a covered loss.

How much does renters insurance in Texas cost?

On average, Texans can expect to pay around $17footnote2 per month on their renters insurance. This can vary by your personal property value, but you can earn more savings by choosing to bundlefootnote3 State Farm insurance policies – like auto and renters insurance and save up to $684footnote4 a year.

Is homeowners insurance worth getting?

YES. Your home is one of your most valuable assets. Homeowners insurance covers for losses caused by things like electronics, furniture, jewelry and fire, theft and storm damage.

What does homeowners insurance not cover?

Flood insurance is not covered by homeowners insurance. If you live in a flood-prone area, it’s a good idea to talk to your agent about a separate policy that helps protect your home from flood damage.

Next Level Protection: Insurance for Texans

Visit your nearby State Farm agent to get an insurance quote and take the next step in protecting the people, things and places you love most.


1Return to reference Prices are based on rating plans that vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.

2Return to reference The average monthly premium for $27,000 of rental coverage is $17, effective in 2021.

3Return to reference Customers may always choose to purchase only one policy but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.

4Return to reference Average annual per household savings based on a 2022 national survey by State Farm on new policy holders who reported savings by switching to State Farm.

Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2021.

Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, find a State Farm agent.

Discounts and their availability may vary by state and eligibility requirements. Not all vehicles or drivers are eligible for discounts.

State Farm County Mutual Insurance Company of Texas
State Farm Lloyds
Richardson, TX