How It Works
Enter your ZIP code and tell us what coverage you are looking for in Texas
See what Texas requires and compare quotes from licensed carriers
Choose coverage that meets Texas requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Every vehicle on a multi-car policy must carry at least your state's minimum liability limits. You can add higher limits to one vehicle without raising coverage on the others.
Full Coverage Car Insurance
Liability plus collision and comprehensive. Common on financed vehicles or newer cars in a multi-vehicle household, while older paid-off cars carry liability only on the same policy.
Uninsured Motorist Coverage
Required in 22 states. Covers you when another driver has no insurance or insufficient limits. On a multi-car policy, this coverage typically applies to every vehicle once added.
Multi-Car Policy Structure
Two or more vehicles on one policy, each with its own coverage level. The multi-car discount applies when vehicles share the policy and meet the carrier's garaging and ownership rules.
