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Cheapest recent rates near Dallas, Texas
Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $57/mo for full coverage in Dallas and other Texas cities.
*Quotes generated for Insurify users in and around Dallas, Texas within the last 10 days. Last updated on April 22, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 22, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dallas, Texas within the last 10 days. Last updated on April 22, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 22, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Founded in 1841 as a small trading post, Dallas is now the ninth-largest U.S. city. The city’s population density may help explain its relatively high overall average insurance cost of $209 per month. Drivers in bigger cities with higher population densities face increased risks of car accidents.
The average cost of insurance in the Lone Star State is $184 per month, which is lower than Dallas rates and higher than the national average cost of $158.
Even though rates in Dallas — and the rest of Texas — are relatively high, you can help lower your car insurance costs by comparing quotes from multiple insurers. Here’s what you need to know about finding the cheapest rates in Dallas.
Quick Facts
State Farm, GEICO, and Hugo have the cheapest average liability rates in Dallas.
Texas insurers can consider your credit-based insurance score when determining car insurance premiums.
On average, Dallas drivers pay $138 per month for liability coverage and $279 for full coverage.
Cheapest car insurance companies in Dallas
The best auto insurance company for you depends on your financial situation and insurance needs. Each insurer uses different criteria to set rates. Factors like your gender, marital status, ZIP code, driving history, and credit history go into these calculations.[1] Even if multiple insurers use similar rating factors, the weights applied to them can vary by insurer.
Dallas drivers need to compare quotes from several insurance companies to find the best coverage at the right price. The following three insurers offer some of the best coverage in Dallas at an affordable price. The quotes provided below reflect average costs in the state of Texas.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$44/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$73/mo
Founded in 1922, State Farm is the largest auto insurance company in the United States by market share. The company offers multiple ways to save through a robust list of discounts and the ability to customize coverage types, making it one of the best and most inexpensive options for drivers.
Additionally, State Farm ranked second in customer satisfaction in Texas in the 2023 J.D. Power U.S. Auto Insurance Study and earned an A++ (Superior) financial strength rating from AM Best, the highest level possible.
Pros
High J.D. Power customer satisfaction rating
Rideshare insurance available
Cons
Gap insurance not available
May not be the cheapest choice for drivers with violations or accidents
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$48/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$80/mo
Established in 1936, GEICO is another one of the largest companies in the auto insurance industry. The company has a reputation for discounts and a variety of coverage offerings.
GEICO offers a number of discounts related to vehicle equipment, driving history and habits, education, affiliations, customer loyalty, and more. Ideally, you can use multiple discounts to maximize your savings.
Pros
At least 16 available discounts
Award-winning mobile phone app and website
Cons
Below-average J.D. Power customer satisfaction rating in Texas
One year, my policy was nice and low, but the next year they jacked it up. I didn't even do anything wrong. This really upset me. I never even got a reason why.
Gloria - April 22, 2024
Verified
Poor
Find another insurance company. Geico is too expensive and doesn't live up to their promises.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$78/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$129/mo
Founded in 1922 when 25 Army officers joined together to insure each other’s automobiles, USAA is still offering car insurance to active-duty military members, veterans, and their families more than 100 years later.
Around 130,000 veterans live in Dallas County, making USAA a great insurance company option for a portion of the Dallas population.
Pros
A++ (Superior) financial strength rating from AM Best
Offers usage-based auto insurance
Cons
Only available to active-duty military, veterans, and their family members
Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.
Marvin - April 21, 2024
Verified
Excellent
So far, so good.
Robert - April 19, 2024
Verified
USAA is the finest. Period.
I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.
…
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How to get the cheapest car insurance in Dallas
The cheapest car insurance in Dallas will look different for each driver because insurers use a number of different factors to set premium rates. It’s important to get quotes and compare rates from multiple insurance companies to find the cheapest insurance for you.
In addition to shopping around, these strategies can also help you find the cheapest car insurance in Dallas:
Adjust your coverage levels. You can make a number of tweaks to your insurance policy to reduce your costs, such as increasing your comprehensive or collision deductibles, dropping collision or comprehensive coverage, or decreasing your coverage limits. Just make sure you don’t lower your coverage so much that you can’t afford to cover the out-of-pocket costs after an accident.
Improve your credit score. Insurance companies in Texas can use your credit history as a factor in setting your rates. Improving your credit will save you money on car insurance, and it can improve your finances in general.
Cheapest liability-only car insurance in Dallas: State Farm
If you cause a car accident, liability car insurance will pay for the other party’s vehicle damage and medical expenses stemming from the accident. However, liability-only coverage doesn’t pay to repair or replace your vehicle. This coverage can work as an inexpensive option for budget-minded drivers, but it could cost more in the long run if you cause an accident.[2]
The cheapest insurer for liability-only car insurance in Dallas is State Farm, with an average monthly cost of $44. This is significantly less expensive than the average monthly cost of $138 for this coverage in Dallas. Find additional cheap liability-only coverage options for Dallas drivers below.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
44
GEICO
48
Hugo
60
Mile Auto
60
Allstate
61
USAA
78
Safeco
91
Nationwide
103
Mercury
107
Midvale Home & Auto
110
Progressive
110
Dairyland
118
Clearcover
120
Chubb
133
National General
137
Liberty Mutual
142
Elephant
144
Commonwealth Casualty
149
Direct Auto
151
21st Century
153
The General
167
GAINSCO
169
Bristol West
185
State Auto
199
AssuranceAmerica
207
Infinity
215
Foremost
245
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Dallas: State Farm
Drivers in Dallas may want to consider full-coverage car insurance since it provides more protection than liability-only coverage. In particular, full-coverage insurance includes collision coverage, which pays for damage to your car if you cause an accident, and comprehensive coverage, which kicks in for vehicle damage from non-collision incidents, like fire, theft, and weather hazards.
Lenders may require you to purchase full-coverage insurance if you have an auto loan or lease your car. The average monthly cost of full-coverage insurance is $279 in Dallas.
Here are several insurers that offer the cheapest full-coverage car insurance options in Dallas.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
73
GEICO
80
Allstate
102
Mile Auto
120
USAA
129
Clearcover
159
Hugo
164
Mercury
169
Travelers
182
Nationwide
185
Progressive
195
Midvale Home & Auto
197
Safeco
197
Chubb
220
Elephant
235
21st Century
254
AssuranceAmerica
268
Liberty Mutual
291
Direct Auto
298
Dairyland
299
National General
303
Infinity
328
The General
337
Bristol West
350
State Auto
365
GAINSCO
367
Commonwealth Casualty
382
Foremost
493
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Texas
Texas is an at-fault state, which means the at-fault driver is responsible for covering the other party’s vehicle damages and medical costs.[3]
Texas requires all drivers to purchase minimum amounts of bodily injury and property damage liability coverage. To legally drive in the state, you need to purchase the following minimum coverages:[4]
Texas drivers don’t need to carry more than the above minimum requirements, but you should consider increasing these coverage amounts and types in case of a serious accident. Dallas drivers may want to consider the following optional coverages for more vehicle protection:
Personal injury protection (PIP) coverage
All auto insurance policies in Texas automatically include PIP, but you can opt out of it with a written request. This kind of insurance pays for your and your passengers’ medical bills and some other expenses following an accident.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist’s coveragekicks in if you have an accident with an uninsured or underinsured driver. It also covers hit-and-run accidents. As with PIP coverage, all insurance policies in Texas must offer this kind of coverage, and you have to make your opt-out request in writing.
Collision coverage
Collision coverage pays to repair or replace your vehicle following a collision with another vehicle or object, like a tree or light pole, regardless of fault. Collision also covers rollover accidents and pothole damage.
Comprehensive coverage
Comprehensive coverage will pay to repair or replace your vehicle following damage from a non-collision incident, such as a storm, theft, vandalism or fire.
Cheapest car insurance for drivers with an incident
Drivers with a clean record typically pay the lowest insurance rates. If you have a past incident on your driving record — such as an at-fault accident, speeding ticket, DWI, or other moving violation — you can expect higher insurance premiums.
On average, Dallas drivers with a past incident pay $287 per month for car insurance. The severity and frequency of your violations will also influence how much you pay for car insurance. Here’s how different incidents may affect your insurance rates and where you can look for affordable insurance even with a spotty driving record.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding can have some serious consequences. In 2020, 37% of traffic deaths in Texas were speed-related, according to data from the National Highway Traffic Safety Administration (NHTSA).[5] The dangers associated with speeding explain why insurers may charge drivers more for coverage if they have a ticket.
The average cost of car insurance for Dallas drivers with a past speeding ticket is $297 per month. Compare average quotes from different insurers below.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
44
56
GEICO
48
62
Hugo
60
85
Mile Auto
60
85
Allstate
61
78
USAA
78
100
Safeco
91
127
Nationwide
103
133
Mercury
107
158
Progressive
110
147
Dairyland
118
157
Clearcover
120
166
Chubb
133
173
National General
137
177
Liberty Mutual
142
196
Elephant
144
186
Commonwealth Casualty
149
186
Direct Auto
151
200
21st Century
153
204
The General
167
222
GAINSCO
169
212
Bristol West
185
242
AssuranceAmerica
207
283
Infinity
215
284
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you have an at-fault accident on your record, it’s likely that insurance companies will view you as a higher risk than drivers with no accidents. Depending on the severity and circumstances of the accident and your driving history, your insurer may increase your premiums or even drop you after an at-fault accident. However, accident forgiveness coverage could help hold your rates steady after your first at-fault accident. You'll generally need to have a clean driving record for three to five years to be eligible to buy this type of coverage.
Finding affordable insurance after an at-fault accident isn’t impossible. Dallas drivers with a past accident pay an average of $316 per month for coverage.
Here are average liability-only quotes from several insurers for drivers with an at-fault accident.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
44
60
GEICO
48
66
Hugo
60
82
Mile Auto
60
92
Allstate
61
84
USAA
78
107
Safeco
91
136
Nationwide
103
142
Mercury
107
167
Progressive
110
156
Dairyland
118
165
Clearcover
120
195
Chubb
133
184
National General
137
191
Liberty Mutual
142
209
Elephant
144
200
Commonwealth Casualty
149
206
Direct Auto
151
214
21st Century
153
217
The General
167
237
GAINSCO
169
228
Bristol West
185
254
AssuranceAmerica
207
296
Infinity
215
283
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DWI: State Farm
Driving under the influence, which is called “driving while intoxicated” (DWI) in Texas, is a serious traffic offense that comes with some major penalties. A first DWI offense in Texas comes with a fine of up to $2,000, up to 180 days in jail, and the loss of your driver’s license for up to a year. These penalties increase for subsequent offenses.[6]
In Texas, a DWI can stay on your record permanently. Drivers who have a past DWI may struggle to find affordable car insurance, but several insurance companies offer coverage for drivers with a DWI conviction. The average cost of car insurance for a Dallas driver with a past DWI is $357.
Compare average liability quotes from the following insurers that offer coverage to drivers with a DWI.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DWI
State Farm
44
72
GEICO
48
78
Hugo
60
90
Mile Auto
60
101
Allstate
61
99
USAA
78
127
Safeco
91
148
Nationwide
103
168
Mercury
107
179
Progressive
110
179
Dairyland
118
192
Clearcover
120
196
Chubb
133
217
National General
137
223
Liberty Mutual
142
231
Elephant
144
235
Commonwealth Casualty
149
218
Direct Auto
151
246
21st Century
153
249
The General
167
272
GAINSCO
169
276
Bristol West
185
302
AssuranceAmerica
207
337
Infinity
215
351
Foremost
245
399
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Your age affects how much you pay for car insurance. Older drivers tend to pay less for their car insurance than young drivers due to safer driving habits. In most cases, premium rates decrease for most drivers around age 35 and remain low for another four decades. However, around age 70, rates tend to increase again because senior drivers may experience aging-related risk factors that lead to more accidents.
The overall average cost of car insurance for senior drivers in Dallas is $149 per month. Here’s how average quotes from several different insurers vary for senior drivers.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
32
52
GEICO
35
59
Mile Auto
43
85
Allstate
46
77
USAA
58
96
Nationwide
72
129
Safeco
72
157
Progressive
73
130
Mercury
81
129
Dairyland
89
225
Chubb
90
149
National General
103
229
Clearcover
105
139
Elephant
106
172
21st Century
107
178
Direct Auto
108
214
Liberty Mutual
109
223
Commonwealth Casualty
110
281
The General
127
257
GAINSCO
130
282
Bristol West
138
262
AssuranceAmerica
143
185
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers have the highest insurance costs of any demographic, in part due to limited driving experience. But they’re also more likely to take risks on the road, which is why the youngest drivers have a higher rate of fatal crashes, according to the NHTSA.[7]
Even though teenagers generally pay higher rates than other drivers, you can use a few strategies to find cheap car insurance as a teenage driver. For example, teen drivers will typically pay less for coverage if they join their parents’ existing policy, drive a safe car, earn good grades to qualify for a good student discount, or attend school away from home. Minor teens won't be able to legally buy coverage of their own without the written consent of a parent or guardian.
On average, the cost of car insurance for teen drivers in Dallas is $356 per month. Here are some of the cheapest average quotes offered to teen drivers in Dallas.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
GEICO
74
123
State Farm
74
123
Allstate
105
176
Hugo
106
290
Mile Auto
114
227
USAA
126
209
Safeco
159
345
Nationwide
173
311
Dairyland
188
475
Mercury
193
304
Progressive
194
344
Clearcover
210
279
Elephant
233
381
Liberty Mutual
235
481
Chubb
242
400
21st Century
250
416
Commonwealth Casualty
256
656
National General
256
565
The General
262
528
Direct Auto
270
533
GAINSCO
297
645
Bristol West
301
570
Infinity
354
540
AssuranceAmerica
391
506
Foremost
429
864
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Dallas car insurance quotes by credit tier
Texas allows insurance companies to use drivers’ credit history as a factor in determining premium rates. State law requires the Texas Department of Insurance to regulate how insurers use credit. This oversight protects consumers in Texas with several important rules:
Insurers can’t use credit as the only factor in setting insurance rates.
Consumers have the right to know what scoring system a company uses.
Companies must tell consumers how to dispute inaccurate credit information.[8]
Even with these protections in place, credit history can affect how much drivers in Dallas pay for auto insurance. Drivers with good or excellent credit generally pay lower rates than people with poor credit.
Here are the average monthly quotes for full-coverage auto insurance in Dallas by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Dallas?
The average cost of coverage in Dallas is $138 per month for liability coverage and $279 for full-coverage insurance. These costs are slightly higher than the Texas state average of $119 per month for liability coverage and slightly lower than than the Texas full-coverage average of $250.
Dallas residents pay more than the national average, which is $104 per month for liability-only coverage and $213 for full-coverage insurance. Drivers in Dallas likely face high rates due to the city’s higher population density and congested highways.
More cities in Texas
Though it’s not the most expensive city in Texas for car insurance, Dallas does have higher costs than some other cities in the Lone Star State. Houston has the highest rates for both liability and full-coverage insurance, while Plano has the lowest liability-only rates and Garland has the lowest full-coverage premiums.
Check out how Dallas compares to the following Texas cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Dallas car insurance FAQs
Before you start shopping around for auto coverage, you should decide on the right amount of insurance for your needs. The following information should help answer your remaining questions about finding car insurance in Dallas.
How much is car insurance in Dallas?
The overall average cost of car insurance in Dallas is $209 per month. Dallas drivers pay $138 per month for liability coverage and $279 for full-coverage insurance, on average. How much you pay for coverage will depend on your driving record, age, credit history, and more.
Who has the cheapest car insurance in Dallas?
With a liability car insurance rate of $44 per month, State Farm is the cheapest car insurance company in Dallas. GEICO and Hugo also offer affordable coverage, with rates of $48 and $60 per month, respectively. The best way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Dallas?
The best car insurance company in Dallas is State Farm, which has a high Insurify Quality (IQ) Score of 4.5 out of 5, an A++ (Superior) financial strength rating from AM Best, and a high customer satisfaction rating from J.D. Power. On average, State Farm policyholders in Texas pay $38 per month for liability coverage and $64 for full coverage. Other top insurers include GEICO and USAA.
What is the minimum car insurance required in Texas?
Texas drivers need to carry at least $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage. Insurers in Texas must also offer all drivers personal injury protection and uninsured/underinsured motorist coverage, though drivers can opt out of both these coverages in writing.
Is Texas a no-fault state?
No. Texas is an at-fault state, which means the driver who causes the accident must cover the other party’s resulting vehicle repairs and medical expenses.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.