Whether you’re taking off to the Space Center of Houston, or heading to the Dallas Cowboys game day—you always want to make sure you have car insurance coverage in Texas.
We offer top-of-the-line coverage and trunkloads of discounts—plus opportunities to make the road (and the world around us) a better place.
Read below to get the full scoop on the coverages offered and required in Texas, or— if this isn’t your first rodeo—you can just go ahead and apply with Lemonade Car. It’s fast, easy, and even kind of fun!
What does car insurance cover in texas?
While Texas law doesn’t mandate the following coverage options, you’ll want to consider them for true peace-of-mind while on the road.
Uninsured/underinsured driver bodily injury coverage (UMBI)
Not everyone follows the rules, or gets sufficient liability coverage to foot all of the medical expenses if they injure you in an accident. So what if you’re involved in a crash with someone who has insufficient insurance, or no insurance at all? That’s where uninsured motorist coverage comes in.
Uninsured/underinsured driver bodily injury coverage (UMBI) will help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Lemonade offers several options for uninsured/underinsured motorist bodily injury coverage: $30,000/$60,000, $50,000/$100,000, $100,000/$300,000, or $250,000/$500,000.
We will automatically include UM/UIMBI at the same limits as your bodily injury liability coverage when you get a quote, but you can lower the limits of this coverage (or reject it entirely) if you want to.
The state of Texas allows you to lower or remove this coverage if you sign a certain form. Once you’ve set up your policy, you can seamlessly make the changes and sign the necessary form digitally on the app.
Uninsured/underinsured driver property damage coverage (UMPD)
If you get into a car accident with an uninsured driver, or with a driver who doesn’t have enough property damage liability coverage, this type of coverage can cover the costs of repairing your vehicle.
Lemonade Car offers several options for uninsured/underinsured driver property damage coverage: $25,000, $50,000, $100,000
We will automatically include UMPD at the same limits as your property damage liability coverage when you get a quote, but you can lower the limits of this coverage (or reject it entirely) if you want to.
The state of Texas allows you to lower or remove this coverage if you sign a certain form. Once you’ve set up your policy, you can seamlessly make the changes and sign the necessary form digitally on the Lemonade app. Keep in mind: Lemonade Car drivers who want UMPD coverage must also carry UMBI on their policy.
Personal Injury Protection (PIP)
If you or other passengers in your car get hurt in a covered car accident, this coverage comes into play, regardless of who was at fault. Imagine that you drove off the side of the road and hit a tree. You end up breaking your wrist, and require an X-ray and a cast. Some of your medical costs could be covered by personal injury protection (PIP).
PIP can provide coverage for some medical expenses, including, but not limited to:
- Ambulance fees after an accident
- X-rays, surgeries, or prostheses
- Health insurance co-pays
- Doctors and hospital visits
- A percentage of your lost wages as a result of your injuries
- Childcare or house cleaning expenses
- Nursing services
- Funeral services
Lemonade Car offers Texas drivers PIP coverage with limits per person of: $2,500, $5,000, or $10,000.
We will automatically include PIP with a limit of $2,500 selected when you get a quote, but you can change the limits of this coverage (or reject it entirely) if you want to.
The state of Texas allows you to remove this coverage if you sign a certain form. Once you’ve set up your policy, you can seamlessly make the changes and sign the necessary form digitally on the Lemonade app.
Comprehensive coverage
Also known as “act of god” coverage, comprehensive insurance coverage helps pay to fix damage to your car (or possibly replace the car entirely) following an incident that wasn’t a car accident.
That means if your car is stolen, vandalized, or has an unexpected rendezvous with an animal, comprehensive coverage can kick in to repair or replace your car. It’ll also come in handy if a storm causes a tree to fall on your Tesla, for instance.
Lemonade car offers comprehensive coverage with deductibles of $250, $500, $1,000, or $2,000
Lemonade will pay up to the actual cash value of your car following a covered incident.
If you lease or finance your car, comprehensive coverage will probably be required from your lender.
Collision coverage
Collision coverage helps pay to repair or replace your own car if it’s damaged in a covered accident with another vehicle or object, especially if you’re the one who caused the accident.
If you’re technically at fault for the damages to your car in the case of a covered accident, your collision coverage will kick in for repairs on covered claims and get you back on the road.
Lemonade car offers collision coverage with deductibles of $250, $500, $1,000, or $2,000.
Lemonade will pay up to the actual cash value of your car following a covered incident.
If you lease or finance your car, collision coverage will be required from your lender. Lemonade Car drivers who want collision coverage must also carry comprehensive coverage on their policy.
How much is Car insurance in Texas with Lemonade?
The average cost of minimum coverage car insurance in Texas is about $58 per month and the average cost of “full coverage” car insurance—which includes a combination of liability, comprehensive, and collision coverage— car insurance is roughly $153 per month, according to ValuePenguin.
When building your Lemonade Car quote, we tailor your car insurance premium price based on a number of factors, including the car you drive, your driving record, your driving habits, how much you drive, your coverage limits, and your deductible.
Lemonade offers car insurance you can customize, because you deserve a policy that feels just right—and fits your budget.
Learn more about the cost of Lemonade car insurance.
The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website. It’s fast, easy, and simple to compare.
Texas car insurance requirements
To comply with Texas’s car insurance coverage requirements, Texan drivers need the following coverages and minimum coverage amounts:
| Required minimum coverages for Texas drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $30,000/60,000 |
| Property damage liability coverage | $25,000 |
Every state has different rules and regulations pertaining to auto insurance. In Texas, you’re required to carry the coverages we’ll discuss in more detail below (although in certain cases you can opt out of coverages if you really don’t want them).
Just a refresher: A “limit” in regard to your car insurance policy refers to the maximum amount your insurer would pay out on a certain type of claim.
For example, Texas drivers are required to have a minimum of $30,000/$60,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $30,000 of bodily injury coverage per person, and $60,000 of bodily injury coverage in total (for all of the people injured in an accident.)
Liability car insurance Texas coverage
If you’re a law-abiding driver, you’re required in most states to have at least some liability coverage to be on the road.
Liability insurance is broken down into two parts: bodily injury liability and property damage liability. Note that both parts apply to damage to other people and their vehicles, not to yourself or your own car.
- Bodily injury liability coverage. If you accidentally injure someone else who is not a passenger in your car, this type of coverage can help cover their medical bills
- Property damage liability coverage. If you damage someone’s car or personal property, this type of coverage can cover the cost to repair or replace what was damaged
Lemonade Car offers several options for bodily injury liability coverage. The lowest option (and the minimum coverage amount required by Texas law) is $30,000/$60,000. From there, you could choose $50,000/$100,000, $100,000/$300,000, or $250,000/$500,000.
For property damage liability coverage, Lemonade Car offers coverage starting at $25,000 (the minimum coverage required by Texas law), and going up to $50,000 or $100,000.
Lemonade Car extras that are great to have in Texas
Want to really be cruising with confidence? Round out your Lemonade Car policy with some of the following coverages.
Temporary transportation coverage
If you need alternative transportation while your car is being repaired after a covered incident, most insurers only offer the option of a rental car.
But Lemonade works differently, and will cover almost any type of transportation for up to a month while you’re waiting for your car in the shop. This includes Uber, Lyft, rental car expenses, or even public transportation like buses or Citi Bikes, up to your daily limit.
If you have both collision and comprehensive coverage on your car, you’ll get the option of selecting temporary transportation coverage for your car as well.
With Lemonade Car, if you choose to get temporary transportation coverage, you can sign up for a $40, $50, or $60 daily limit (for up to 30 days).
Apply now to get car insurance quotes in Texas.
How can I register my car in Texas?
New to the Lone Star State? From the time you move to Texas, you have 30 days to register your car, and 90 days to secure a Texas driver’s license.
Here are the general steps for registering your car in Texas:
- Take your car to a certified inspection station in Texas
- Make sure you have proof of car insurance ready for the inspection—ensuring it meets the minimum coverage requirements in Texas
- Head to your local county tax-assessor collector office with your insurance card, Vehicle Inspection Report, and proof of vehicle ownership
Learn more about what you’ll need for car registration and renewals in Texas here.
So, what’s the best car insurance in Texas?
We might be biased, but Lemonade Car was designed to really shine for low-mileage, safe, and environmentally conscious drivers. That’s why we give discounts to EV and hybrid drivers and offer special coverages for charging units.
What’s more, Lemonade drivers get to assist in global reforestation efforts from behind the wheel. How? Well, when you drive with the Lemonade app, we’ll track your mileage and plant trees to help clean up the carbon generated from your car.
So what about low-mileage drivers? We price your policy based on how you drive and how much you drive—so the less you drive, the more you save. Pretty simple.
Fast facts about Texas
- Gas-powered cars made their Texan debut in 1899
- Today, Texas ranks among the top 10 states in the US for automotive manufacturing employment.
- Texas has been known to appreciate and preserve the culture and history around cars. You can check out cool car attractions all over the state—from the Art Car Museum in Houston, to the Cadillac Ranch in Amarillo.
- The most popular new car in Texas is the Ford F-150.
- As of 2021, Texas is home to the third highest count of all-electric vehicles (EVs) in the US with 80,900 registered EVs.
- Texans are increasingly plugging into the movement of EV manufacturing—In 2019, the electric-transportation sector contributed around $690 million to the Texas economy. There are expectations that the sector’s workforce will nearly double (to 13,500 people) by 2024.
Before we go…
Texas drivers, we’re excited for you to take Lemonade Car for a spin (we just hope you don’t get stuck in 610 West Loop traffic).
If you’re looking to dive deeper into Lemonade car insurance, go ahead and…
- Learn how location-based technology is changing Lemonade’s coverage game
- Get the basics and beyond of what car insurance covers
- Take a closer look at exactly what makes Lemonade Car different
- Check out our other insurance products like renters, homeowners, pet, and life
Happy driving!
Additional Resources:
- Texas Department of Motor Vehicles
- Texas Department of Transportation
- Texas Department of public safety
Find Lemonade Car Insurance Near You in Texas:
FAQs
What is the minimum amount of car insurance required in Texas?
In Texas, the minimum car insurance required includes $30,000 per person and $60,000 per accident for bodily injury liability, along with $25,000 per accident for property damage liability. These coverages ensure you meet the state’s legal requirements for driving.
What happens if I don't have the minimum car insurance coverage required by the state of Texas?
If you don’t have the minimum coverage required by the state of Texas, you could face fines, penalties, and even suspension of your driver’s license and vehicle registration. Additionally, you may be held personally responsible for any damages or injuries you cause in an accident.
Why is auto insurance so expensive in Texas?
Auto insurance tends to be more expensive in Texas due to several factors. The state has multiple major cities, which can lead to higher accident rates with more people on the road, and is prone to severe weather conditions– such as hurricanes, which increase the likelihood of claims. Additionally, in Texas approximately 20% of drivers are uninsured. This results in higher premiums for insured drivers to cover the risk of accidents involving uninsured drivers.
What does a Texas liability insurance card mean?
A Texas liability insurance card is proof that you meet the state’s minimum insurance requirements. You must carry this card in your vehicle at all times. At Lemonade, you can easily access your insurance ID card digitally on the Lemonade app—a much more secure way to keep this vital document than stowing it away in a cluttered glove compartment. (But you can also easily print it out if you want a physical version too.)
Can I change my coverage limits or deductibles after purchasing a Lemonade policy in Texas?
Yes, Lemonade Car gives you the power to customize your coverage—including updating your coverage limits and deductibles—at any time during your policy term, all on the Lemonade app.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
