Texas Insurance
Licensed Texas agents comparing 40+ carriers for auto, home, and commercial coverage. Serving Dallas, Houston, San Antonio, Austin, and communities across the Lone Star State.
Select Insurance Group offers auto, home, motorcycle, RV, and commercial insurance to Texas residents and businesses. As an independent agency serving Texas statewide, we compare rates from more than 40 carriers — including Progressive, Travelers, Safeco, and National General — to find competitive coverage. Texas drivers must carry at least the state-minimum liability limits under its At-Fault (Modified Comparative Negligence) system, and our licensed agents help you decide when higher limits or optional coverages like uninsured-motorist protection make sense. Call (980) 237-4297 for a free, no-obligation quote, or start one online in minutes. Se habla español.
Last updated: May 30, 2026
Texas Auto Insurance Requirements & Minimums
| Coverage | TX Requirement |
|---|---|
| Fault System | At-Fault (Modified Comparative Negligence) |
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $25,000 |
Texas auto insurance rates have risen sharply since 2019 — statewide personal auto rates jumped 23.8% in 2022 alone, the largest annual increase in at least two decades (Source: Texas Department of Insurance). Shopping multiple carriers annually is essential for Texas drivers.
Texas requires insurers to offer UM/UIM coverage, but you can reject it in writing. Many drivers unknowingly sign rejection forms at dealerships. If you were hit by an uninsured driver and don't have UM coverage, you could be left paying your own medical bills.
Texas follows modified comparative negligence with a 51% bar. You can recover damages if you are not more than 50% at fault, but your recovery is reduced by your fault percentage. Texas juries have awarded some of the largest auto accident verdicts in the country.
With Texas rates climbing sharply in recent years, shopping carriers annually is critical. We recommend at least 100/300/100 liability with UM/UIM — do not sign the rejection form at the dealership. Texas juries award some of the highest accident verdicts in the nation.
Texas Home Insurance: Hail, Wind & Coastal Risk
Texas homeowners insurance is shaped by three major risk factors: hail storms in North Texas and the Panhandle, hurricane exposure along the Gulf Coast, and severe thunderstorm winds across the state. Texas consistently leads the nation in total insured catastrophe losses.
The Texas Windstorm Insurance Association (TWIA) provides wind and hail coverage for 14 coastal counties and parts of Harris County where private coverage is unavailable. TWIA is the insurer of last resort for coastal wind risk, and properties must pass a WPI-8 windstorm inspection to qualify.
North Texas (Dallas-Fort Worth) experiences some of the most destructive hail storms in the country. Hail damage claims have driven significant rate increases across the DFW metroplex. We compare carriers with different hail deductible structures — percentage-based versus flat-dollar — to find the best balance of premium and out-of-pocket risk for Texas homeowners.
Texas Workers Compensation & Business Coverage
Texas is the only state where private employers can opt out of workers compensation without penalty. However, non-subscribing employers lose important legal protections and can be sued by injured employees without the benefit of workers comp defenses.
Texas is the only state where workers compensation is optional for private employers. Employers who opt out ("non-subscribers") can be sued directly by injured employees and cannot use contributory negligence, assumption of risk, or fellow employee fault as defenses.
Despite being optional, most Texas employers carry workers compensation because the alternative — unlimited liability in employee injury lawsuits — is often more expensive. Our commercial team helps Texas businesses evaluate the financial risk of subscribing versus non-subscribing and finds competitive workers comp rates from specialized carriers.
Why Choose Select Insurance Group
in Texas?
Expertise navigating Texas's steep recent rate increases — we find carriers that other agents miss.
TWIA coastal wind coordination for Gulf Coast homeowners and businesses.
Workers compensation guidance for Texas's unique opt-in system — helping you weigh the risks of subscribing vs. non-subscribing.
Bilingual Spanish/English agents serving Texas's large Hispanic communities across Dallas, Houston, San Antonio, and Austin.
Texas Insurance Carrier Partners
We compare rates from these top-rated carriers — and more — to find the best coverage and price for Texas residents.
| Carrier | File a Claim |
|---|---|
| Progressive | Start a claim · 1-800-776-4737 |
| Dairyland | Start a claim · 800-334-0090 |
| Travelers | Start a claim · 1-800-238-6225 |
| National General | Start a claim · 1-800-468-3466 |
We also place coverage with Safeco, Bristol West, Foremost, Kemper, TWIA, Stillwater, Encompass, Olympus, and other top-rated carriers.
Need to file a claim with one of our carriers? Report a Claim
Texas Office Locations & Cities We Serve
Cities We Serve in Texas
Don't see your city? We serve all of Texas. Call (980) 237-4297
Texas Insurance Frequently Asked Questions
What are Texas's minimum auto insurance requirements?
Texas requires 30/60/25 liability coverage: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Texas insurers must offer UM/UIM coverage, but you can reject it in writing. We strongly recommend keeping UM/UIM coverage.
Why has Texas auto insurance increased so much?
Texas auto insurance rates have risen sharply in recent years — statewide personal auto rates rose 23.8% in 2022 alone, the largest annual jump in at least two decades (Texas Department of Insurance). Population growth, severe weather, rising vehicle repair costs, and increased litigation all contribute. Shopping multiple carriers annually through an independent agent is the best way to manage costs.
Is workers compensation required in Texas?
No. Texas is the only state where private employers are not required to carry workers compensation insurance. However, non-subscribing employers lose important legal defenses and can be sued directly by injured employees. Most employers choose to carry coverage because the alternative liability is potentially unlimited.
What is TWIA in Texas?
The Texas Windstorm Insurance Association (TWIA) provides wind and hail coverage for 14 coastal counties where private coverage is unavailable. Properties must pass a WPI-8 windstorm inspection to qualify. TWIA coverage must be paired with a standard homeowners policy that covers non-wind perils.
What is the UM/UIM rejection trap in Texas?
Texas law requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage, but many drivers unknowingly sign rejection forms — often at car dealerships during vehicle purchases. If you reject UM/UIM and are hit by an uninsured driver, you could be responsible for your own medical bills. We recommend reviewing your policy to confirm you have UM/UIM coverage.
How much does home insurance cost in Texas?
Texas homeowners insurance rates are among the highest in the nation, driven by hail storms, hurricanes, and severe thunderstorms. Rates vary significantly by region — North Texas (DFW) and the Gulf Coast pay the highest premiums. Comparing 40+ carriers through an independent agent is the most effective way to find competitive rates.
Get Protected in Texas
Compare quotes from 40+ carriers. Free, no-obligation — just the right coverage for Texas residents.