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Texas insurance

Insurance for every corner of Texas

Hail in the Panhandle, hurricanes on the coast, floods almost everywhere, and rules that differ from the rest of the country. Guides for every line we quote, plus local guides for all 254 counties and the 50 largest cities.

Quote My Policy is operated by an insurance agent licensed in Texas.

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    Texas coverage guides

    Car insurance in Texas

    The legal minimum is 30/60/25. Two other coverages are on your policy unless you say no in writing.

    Home insurance in Texas

    Wind, hail and flood decide more about a Texas home policy than anything else.

    Renters insurance in Texas

    Your landlord insures the building. You insure everything else.

    Life insurance in Texas

    The policy types are national. The safety net behind them is set by Texas.

    Mortgage protection insurance in Texas

    Keeping the house if the unexpected happens, in a state where foreclosure can move quickly.

    Pet insurance in Texas

    Fewer state-mandated disclosures, so the fine print is on you.

    Business insurance in Texas

    Texas is the one state where most private employers can opt out of workers' comp.

    Boat insurance in Texas

    Gulf Coast, big lakes and hurricane season: plan coverage around all three.

    Medicare in Texas

    Federal Medicare, Texas rules for Medigap, and free local help in every county.

    Texas rules at a glance

    Car insurance minimum
    30/60/25
    Explained
    Coastal wind and hail (TWIA)
    14 counties + part of Harris
    Explained
    Home claim decision deadline
    15 business days
    Explained
    Workers' comp
    Optional for most private employers
    Explained

    Largest Texas cities

    All city guides

    All 254 Texas counties

    Coastal counties in TWIA’s wind and hail area: Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy, plus part of Harris.

    Common questions

    • Drivers need at least 30/60/25 auto liability coverage. Home insurance isn't required by the state, but mortgage lenders require it. Most private employers can choose whether to carry workers' compensation.

    Sources

    1. Auto insurance guide (updated Dec 11, 2025), Texas Department of Insurance. Checked September 30, 2026.
    2. Home insurance guide (updated Jun 1, 2026), Texas Department of Insurance. Checked September 30, 2026.
    3. Coverage and eligibility, Texas Windstorm Insurance Association. Checked September 30, 2026.
    4. Employer workers' compensation information, Texas Department of Insurance, Division of Workers' Compensation. Checked September 30, 2026.
    5. County and city population estimates, Vintage 2025, U.S. Census Bureau. Checked September 30, 2026.
    6. OpenFEMA Disaster Declarations Summaries (Texas, 2000 onward), Federal Emergency Management Agency. Checked September 30, 2026.

    General information only, not insurance advice. Coverage, availability and terms vary by insurer and are subject to underwriting. Local figures come from public data sources listed on each page. Quote My Policy is operated by an insurance agent licensed in Texas. Nothing here binds coverage.