Texas Insurance

See why over 1.8 million drivers in Texas choose Progressive

At Progressive, we make it easy to insure almost everything

It starts with a quote online, over the phone or from an agent near you. It ends with an affordable, insurance quote meeting all requirements in Texas. In between, we'll customize your quote with plenty of discounts and the right coverages for whatever you want to protect.

Auto insurance

Four out of five customers recommend Progressive for car insurance.*

More on auto insurance

Home & renters insurance

When you bundle car insurance and home or renters insurance with Progressive, you'll earn a multi-policy discount.

More on home & renters insurance

Motorcycle insurance

Progressive protects one out of every three insured bikes on the road countrywide.

More on motorcycle insurance

Boat insurance

From South Padre Island to the Colorado River, stay protected on the water and when your boat is docked.

More on boat insurance

Texas quick facts

  • Texas requires all children 7 years old or younger and under 4'9" to ride in a child safety seat.

  • Texas has more miles of roads than any state in the country.

  • In 2017, the average monthly price for ASI home insurance from Progressive in Texas was $110.**

Common insurance claims in Texas

In Texas, watch out for these accidents and risks! More importantly, make sure you're properly protected.

Car thefts

According to the FBI's Uniform Crime Reporting Program, Texas ranked among the top five states for auto thefts in 2016.

Protect with: Comprehensive coverage, which protects you against theft and vandalism.

Natural disasters

Texas can be prone to wildfires, tornadoes, and hurricanes, which can cause major damage to your home.

Protect with: Dwelling coverage on your home insurance policy, with specific coverage for windstorms.

Rear-end collisions

Whether you back into someone or you get backed into, rear-end fender benders are common and will usually result in an auto insurance claim.

Protect with: Liability coverage, which covers you if you're at fault, and collision coverage, which covers damage to your vehicle.

Insurance advantages in Texas

Longer riding season

With minimal rainfall and mild winters, you can get the most out of your motorcycle and your motorcycle insurance policy. One low price from Progressive covers a year's worth of riding.

Automatic Payment Discount

At Progressive, you'll get a discount on your auto policy if you have automatic monthly payments set up with a credit or debit card.

Work loss benefits

If you're unable to work because you were injured in an auto accident, Personal Injury Protection (PIP) coverage in Texas can pay up to 80% of your lost income.

Texas motor vehicle insurance requirements



Driving without insurance could result in a fine, license suspension or even jail time. Like almost all states, Texas requires bodily injury and property damage liability coverage. If you're in an accident and you injure someone or damage their property, liability will cover you up to certain limits, including lawsuits/court costs.

State-minimum amount: You'll usually see three separate numbers, and these are your "limits." Limits are how much we'll pay out in an accident. In Texas, you must have these limits or higher.

  • $30,000 bodily injury per person (limit for injuries to one person)
  • $60,000 bodily injury per accident (limit for all injuries in an accident)
  • $25,000 for property damage (limit for damage to someone else's car or property)

See more on additional car insurance coverages offered at Progressive.



If you ride without insurance, you could lose your license, get a fine or even go to jail. The minimum limits in Texas are the same as auto insurance.

Insurance requirements for off-road vehicles will vary depending on where you operate your ATV, UTV, dirt bike, or golf cart.


Required if you're financing your boat

Texas doesn't require boat insurance but, if you finance your watercraft, your lender will likely require comprehensive and collision coverage. Keep in mind, some marinas may mandate proof of liability coverage.

RV/travel trailer insurance

Required if you drive it, not required if you pull it

If you're pulling a travel trailer or toy hauler, RV insurance is optional. If you're driving a motorhome, you're legally required to carry liability coverage—just like with auto insurance. Your financer could require you to carry comprehensive and collision coverage if you're financing your RV. The minimum limits in Texas are the same as auto insurance.

Homeowners and condo

Required if you're financing your home

Your lender will require insurance to protect their investment if you have a mortgage on your home. If you have no mortgage or lien on your home, you won't need insurance due to any state law. But, since your home is often your most valuable asset, it makes sense to keep it continually insured.


Some landlords require insurance

Renters insurance isn't required under Texas law. But, prior to renting to you, many landlords or apartment complexes will require it.

Top-rated insurance agencies in Texas

Enter your ZIP Code to find top-rated agencies in your area.