How to Apply
August 2, 2026
1 min read
How to Apply for Car Insurance in Texas: Complete Guide
How to get car insurance in Texas. Step-by-step application process, TX minimum coverage requirements, average costs & timeline.
Texas Minimum Requirements
- Bodily injury: $30,000 per person / $60,000 per accident
- Property damage: $25,000
Step-by-Step
- Compare quotes from 2–3 insurers
- Enter personal, vehicle, and driving history details
- Select liability limits and optional coverage
- Apply discounts (good driver, bundling, defensive driving course)
- Pay and get your digital ID card the same day
Timeline
Online applications typically take about 15 minutes. Most insurers issue immediate digital ID cards, with physical cards arriving by mail in 5–10 days.
Frequently Asked Questions
What are Texas minimum car insurance requirements?
Texas requires $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage — higher than California’s minimums.
Is comprehensive and collision required in Texas?
No, only liability is legally required. Lenders will require collision and comprehensive if the vehicle is financed or leased.
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