What are the new California auto minimums?

California increased minimum auto liability limits in 2025. See our California Auto Insurance page for current limits, recommended coverages, and examples.

Texas Insurance

Q: Does home insurance cover earthquakes?

Standard homeowners policies exclude earthquake damage. California residents typically purchase a separate earthquake policy for that risk.

Q: How can I lower my premium?

Bundle home and auto, consider higher deductibles, and ask about available discounts such as safe-driver, protective-device, multi-policy, and loyalty credits.

From the Panhandle to the Gulf Coast, get Texas insurance that fits your life—and your budget.

Rather speak with an insurance agent? Call us: (877) 334-7646

Find the Right Coverage in Texas

Shopping for Texas insurance? We keep it straightforward and affordable. Compare real prices from trusted carriers, choose only the protection you need, and get proof of coverage in minutes—online or with a Texas-licensed agent.

Quick, side-by-side quotes from multiple companies
Guidance for Texas risks: hail, Gulf storms, and flood (sold separately)
Coastal options, including windstorm solutions for eligible areas
Instant ID cards and digital documents
Bundle auto + home + umbrella to save

Texas Personal Insurance

Texas: What to Know

Liability & fault. Texas is an at-fault state. Many drivers choose higher limits than the state minimums to better protect savings and income. See details on our Texas Auto Insurance page.
UM/UIM & PIP offered. Uninsured/Underinsured Motorist and Personal Injury Protection are offered on every policy in Texas. You can reject them in writing, but keeping them adds valuable protection.
Proof of insurance. Digital ID cards are accepted, and the state verifies coverage electronically—keep your policy active to avoid tickets or registration holds.
Home risks. Hail and Gulf storms are common. Standard home policies exclude flood; consider separate flood coverage. In some coastal areas, windstorms may be written through a designated market—ask us about your options.
Discounts & bundles. Save when you combine home + auto, insure multiple vehicles, use safe-driver/telematics programs, or qualify for good-student and protective-device discounts.