LIABILITY COVERAGE
Liability coverage pays for injuries and property damage to others in an accident you caused and also covers the legal fees if someone files a lawsuit.
WHY PAY MORE?
GET AFFORDABLE AUTO INSURANCE RATES IN TEXAS
Car
Motorcycle
Commercial
Roadside Assistance
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
WHAT TYPES OF VEHICLES CAN I INSURE IN TEXAS?
Cars
Whether a luxury car or an economical sedan, our insurance offers tailored coverage options for all car types, ensuring broader protection against a wide range of road hazards.
Motorcycles
You can ride your two-wheelers with the utmost confidence, knowing our comprehensive insurance solutions are there to cover your motorcycle against potential road risks.
Classic Cars
Preserve your classic car’s vintage charm with specialized insurance policies that help maintain its unique value and give your ride the protection it genuinely deserves.
Recreational Vehicles
Our insurance protects your RV, camper, or travel trailer, so you can travel with confidence—free from worry about financial losses from accidents, theft, or damage.
Boats
Navigate the waters confidently, as our trusted insurance carriers provide comprehensive coverage for your boat, providing comprehensive protection both on and off the water.
Off-Road Vehicles
Explore the outdoors with peace of mind and a sense of security, knowing our diverse insurance coverages secure your off-road vehicle against various types of off-road perils.
Vans
Keep your business running smoothly with our auto insurance tailored for vans, offering essential protection against accidents, potential liabilities, and more.
Trucks
Whether you use your truck for personal or commercial purposes, we help you protect your fleet with our truck insurance solutions, covering various risks and unforeseen events.
WHY IS CINCO THE BEST CHOICE FOR CAR INSURANCE IN TEXAS?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/
Phone/
In-Person
Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY CAR IN TEXAS?
COLLISION COVERAGE
Regardless of who is at fault, it handles your repair or replacement expenses after a collision or accident, ensuring you can return to the road soon.
COMPREHENSIVE COVERAGE
It protects your vehicle against non-collision damages like theft, vandalism, and natural disasters, ensuring security against various risks and hazards.
PERSONAL INJURY PROTECTION (PIP)
PIP coverage helps cover the medical costs of injuries sustained in a car accident for you and your passengers, and the lost income due to injuries.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
UM/UIM motorist coverage covers your expenses if the at-fault driver lacks adequate insurance to pay for the vehicle damage and injuries they have caused.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
MedPay helps cover medical expenses from car accidents, such as hospital bills, surgeries, and diagnostic tests, but it does not include lost wages.
GAP INSURANCE
If your car is totaled, gap insurance covers the difference between the amount you owe on your car loan and your vehicle's actual cash value.
ROADSIDE ASSISTANCE
Roadside Assistance provides emergency help if your car breaks down or has traveling issues, including tire replacement and locksmith assistance.
RENTAL REIMBURSEMENT COVERAGE
This coverage helps with rental or public transport costs while your vehicle is being repaired, ensuring your activities are not disrupted.
NEW CAR REPLACEMENT COVERAGE
This coverage helps you buy a new car of the same make and model if the car you previously purchased is totaled, ensuring minimal financial loss.
ADDITIONAL AUTO INSURANCE COVERAGE OPTIONS IN TEXAS
Commercial Auto Insurance
It covers vehicles that are used for commercial activities, protecting them against accidents, potential liabilities, and damage while on the job.
Mexican Car Insurance
This provides legal auto insurance coverage for U.S. drivers planning to travel to Mexico, ensuring compliance with Mexican law and regulations.
SR-22 Insurance
SR-22 is a certificate that proves the driver is carrying the state-required minimum liability auto insurance, often for those with a suspended license.
DUI Insurance
High-risk auto insurance for drivers with DUI convictions, offering necessary coverage while meeting state legal requirements to ensure security.
Vehicle Maintenance Plan
It is a prepaid service plan that covers routine maintenance like oil changes, tire rotations, and inspections to keep your car running smoothly.
HOW IT WORKS
EXPLORE
Check out our wide range of insurance products—from auto and home to RV and business—designed to give you the right protection for every stage of life.
CONNECT
Experience the value of personalized service as our team of auto insurance agents matches you with the ideal insurance plan that prioritizes your needs.
COMPARE
We help you compare online quotes from multiple reputable carriers in Texas to ensure you get the ideal coverage at a price that makes you happy.
THE AUTO INSURANCE LANDSCAPE IN TEXAS
The Lone Star State, Texas, boasts diverse landscapes and a rich cultural legacy. Its unique natural splendors are worth exploring, from the vast plains of the Panhandle to the beauty of the Hill Country and the coasts of the Gulf Coast. However, you must have car insurance coverage in Texas to do that.
Auto insurance is crucial in Texas because of its heavy traffic and varied driving conditions. State laws mandate minimum liability coverage, so drivers need insurance to comply with legal requirements. With a range of options available in the market, choosing the right coverage plan is vital.
Luckily, CINCO helps you find an extensive range of the cheapest auto insurance in Texas, ensuring reliable coverage for everybody. Our agents strive to find tailored coverage options that fulfill your needs and preferences. Obtain your first free quote by visiting our official website today!
FACTORS THAT IMPACT CAR INSURANCE RATES IN TEXAS
Car insurance rates are highly variable based on the individual circumstances of an individual. Every insurer considers a range of factors before deciding on a certain premium amount. These factors help determine the risk levels and requirements of policyholders. For example, people with multiple road accidents and traffic offenses on their driving record will pay substantially more for their insurance than someone with a clean driving record for years. Here is a list of factors that insurers consider:
Driving History
Age and Gender
Location
Vehicle Type and Model
Credit Score
Coverage Level
Deductible Amount
Claims History
Annual Mileage
Insurance Provider
Marital Status
Type of Driving
Discounts and Bundles
Safety Features in the Vehicle
State Laws and Regulations
WHO IS REQUIRED TO HAVE AUTO INSURANCE IN TEXAS?
Auto insurance is an expense one cannot avoid owing to its importance. Whether you are involved in a road accident or your battery breaks down in the middle of the road, a reliable plan helps cater to all those unforeseen situations. It offers assurance to the policyholders and secures their financial stability against various hazards. While every individual who owns a vehicle should consider buying a policy, here is a list of individuals who mostly benefit from this type of insurance:
Drivers who lease or finance their vehicles.
Business owners with vehicles for company use.
People operating a vehicle on public roads.
Drivers needing minimum liability coverage.
Individuals protecting themselves from accident-related costs.
Individuals looking to cover accident-related expenses.
Teenagers with a learner’s permit who will be driving.
Vehicle owners responsible for insurance, even if not driving.
Motorists avoiding penalties for driving uninsured.
Drivers engaging in high-risk activities needing extra coverage.
WHY IS AUTO INSURANCE NECESSARY IN TEXAS?
HOW DOES AUTO INSURANCE WORK IN TEXAS?
Texas auto insurance relies on a fault-based system, meaning the driver responsible for an accident will cover the damages. This is why the state has a minimum liability coverage requirement of '30/60/25'. The at-fault motorist's insurance policy will cover the other party's damages when an accident occurs. However, if the expenses exceed the driver's policy limits, they will pay for it out of pocket.
In Texas, you are supposed to provide proof of insurance if ever stopped by a law enforcement officer and submit it to the Texas DMV office when registering a new vehicle or renewing an old one. Insurance carriers consider a range of factors before setting your premium rates. These may include your driving history, vehicle make and model, credit score, address, zip code, etc.
HOW MUCH CAR INSURANCE COVERAGE DO I NEED IN TEXAS?
Auto insurance is meant to safeguard drivers and passengers against accidents or other hazards. According to Texas law, drivers must have at least minimum liability coverage, which consists of $30,000 for each injured person, up to $60,000 for total injuries per accident, and $25,000 for any property damage. This requirement is most commonly known as the “30/60/25” scheme.
Besides liability coverage, policyholders also have the option to select additional coverages such as collision, comprehensive, uninsured/underinsured motorist, roadside assistance, and personal injury protection (PIP) to strengthen their financial security further. Adding more coverage to the policy is a good idea since it helps protect your vehicle against many risks.
WHAT DISCOUNTS CAN I GET FOR CAR INSURANCE IN TEXAS?
The simplest way to get the cheapest car insurance without compromising coverage quality is to look for relevant discounts. Every insurer offers some level of discount to its customers, ensuring satisfaction and affordability. If you need help locating relevant discounts, many insurance agents can assist you. However, you should know the criteria since each discount has its own. For example, you must have a clean driving record to apply for a safe driver discount. Here are other options you can search:
Safe Driver Discount
Good Student Discount
Multi-Policy Discount
Multi-Vehicle Discount
Low Mileage Discount
Defensive Driving Course Discount
Anti-Theft Device Discount
Pay-in-Full Discount
Paperless Billing Discount
Automatic Payment Discount
Accident-Free Discount
Affinity or Membership Discount
New Car Discount
Military Discount
Homeowner Discount
Loyalty Discount
Green Vehicle Discount
Usage-Based Insurance Discount
Senior or Mature Driver Discount
Occupation-Based Discount
HOW MUCH DOES CAR INSURANCE COST IN TEXAS?
While the costs of car insurance plans generally vary, based on estimates, the average rate for a full coverage auto insurance policy in Texas is around $2,492 per year, making it $678 more than the national average. That makes the monthly coverage around $208. The minimum liability coverage, however, is less expensive, amounting to $60 monthly. As mentioned earlier, premiums are never fixed!
Insurance providers consider a bunch of factors before determining your actual premiums. The factors typically affecting your premiums may include the type of car you own, your driving history, your credit score, and your zip code. If your car insurance rates are too high, looking into reputable brokers who could help you find affordable plans is a good option.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE AUTO INSURANCE QUOTE IN TEXAS?
To obtain a reliable insurance quote in Texas, you must provide specific information about yourself, your vehicle, and your driving history to the insurer. Insurance companies rely on this data to determine your premium, which is based on various risk factors and your coverage requirements. Below is a table outlining the key requirements you should have when asking for a quote. Having these details ready will help ensure you receive a quote that reflects your requirements and preferences:
COMPARE AUTO INSURANCE RATES IN KEY TEXAS CITIES
Auto insurance rates are subject to change due to the individual circumstances of each policyholder. For example, your location matters a lot. This is because every region or neighborhood in Texas has different crime and theft rates, affecting the levels of risk associated with the policyholder. The average monthly insurance rates for different cities situated in Texas are highlighted in the table below:
$214
$179
$199
$176
$176
$166
$179
$172
$178
$173
Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.
Source: Value Penguin
Last Update: Jun 24, 2025
COMPARE AUTO INSURANCE RATES IN TEXAS BY INSURANCE COMPANY
Finding the right policy in Texas involves striking a balance between cost and the coverage you require. Insurance rates can differ significantly among companies, influenced by factors such as your location, driving record, type of vehicle, and the coverage options you choose. Here’s a comparison of average full coverage rates from different insurers in Texas based on the data provided by ValuePenguin and MoneyGeek. By reviewing and comparing these rates, you can identify the best policy that fits your budget and needs:
$111
$112
$131
$131
$164
$169
$172
$185
$220
Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.
Last Update: Jun 24, 2025
COMPARE AUTO INSURANCE RATES IN TEXAS BY VEHICLE MAKE AND MODEL
Insurance rates in Texas can differ greatly depending on the make and model of your car. Variables such as repair expenses, safety features, and theft risk all play a role in determining the premium for each type of car. Here’s a comparison of average insurance rates for popular vehicle makes and models, based on reliable sources such as CarEdge. This information can help you see how your choice of car may affect your insurance costs and also help you find plans that complement your needs and budget:
$163
$198
$160
$377
$167
$216
$163
$197
$203
Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.
Source: CarEdge
Last Update: Jun 24, 2025
GET A FREE AUTO INSURANCE QUOTE IN TEXAS
Are you tired of looking for quality insurance plans within your budget in Texas? You are in luck! CINCO Auto Insurance is known for helping its clients find the most reliable insurance solutions without sacrificing quality.
Once you complete and submit the application form, one of our agents will contact you within a few hours with your personalized quotes. Our friendly agents will ensure that all your coverage requirements and preferences are met.
Car
Motorcycle
Commercial
Roadside Assistance
Other
FREQUENTLY ASKED QUESTIONS REGARDING AUTO INSURANCE IN TEXAS
Car insurance in Texas tends to be pricier due to various reasons, such as the high frequency of accidents caused by crowded roads, severe weather events like tornadoes and hurricanes, and the rising costs associated with medical injuries and vehicle repairs. Additionally, Texas has a significant number of uninsured drivers, which can affect the rates of insured people.
Yes, rates in Texas have increased in the last few years. This rise can be attributed to inflation, increasing vehicle repair costs, expensive medical care, and a larger volume of claims resulting from accidents and severe weather. Insurers adjust their rates to accommodate these expenses.
Yes, it is possible to obtain car insurance without a driver’s license in Texas. Some insurance companies provide coverage for unlicensed drivers, which can be particularly beneficial for people insuring a vehicle for someone else, those working on getting their license reinstated, or those who own a vehicle but do not drive it themselves.
Yes, waiving a deductible is illegal in Texas. This practice goes against state law as it can be viewed as insurance fraud. Both repair shops and insurance providers are required to adhere to policy terms, and any attempt to waive deductibles may result in legal repercussions.
No, sales tax does not apply to premiums. However, insurers may impose state-mandated small surcharges or fees that are included in the premium but do not directly tax the policyholder. However, you should speak with your insurance provider for more clarity.
No, Texas has no age restriction on auto insurance. However, age impacts premiums; drivers under 25 and those over 65 are frequently regarded as higher risk due to their inexperience or delayed reaction times, respectively. The rates also vary based on insurance companies.
CRUCIAL VEHICLE STATISTICS AND INSIGHTS IN TEXAS YOU SHOULDN’T MISS
Understanding essential vehicle statistics and trends in Texas can empower drivers to make well-informed choices regarding car ownership and coverage. Insights into the most popular models, rising accident rates, and fuel efficiency rates can help one get used to the insurance landscape in the state. It could also benefit those planning to travel to Texas. Below is a list of vehicle-related statistics and insights highlighting key trends that every policyholder in Texas should be aware of:
01
In 2022, Texas recorded a fatality rate of 1.55 deaths per 100 million vehicle miles traveled — a 1.99% decrease compared to 2021. (Texas Department of Transportation)
02
Motor vehicle crash fatalities were higher among males than females across all age groups, despite males making up an equal or smaller share of the population. (National Highway Traffic Safety Administration)
03
In Texas, car accident reports are generally public records. Under the Texas Transportation Code, individuals can request copies, though access is subject to specific regulations. (Amanda Demanda Injury Lawyers)
04
Texas is recorded to have one of the lowest document fees ($150) in 2023, making it a favorable state to buy a car. (CarEdge)
05
In 2023, Texas experienced approximately 3,400 more accidents compared to 2022. (Best Lawyer)
06
Drivers aged 18–34 accounted for approximately 46% of all traffic fatalities where the driver's age was known, highlighting a high-risk age group on the roads. (Armstrong Lee & Baker LLP)
07
In 2022, Texas recorded 290.89 billion vehicle miles traveled, making it one of the highest mileage states in the U.S. (Insurance Institute for Highway Safety)
08
In Texas, DUI penalties can include fines up to $2,000, up to 180 days in jail, and a driver’s license suspension for up to two years, reflecting the state’s strict stance on impaired driving. (SJ Injury Attorneys)
09
Sensor failures, software errors, and challenges in complex traffic scenarios like construction zones or unpredictable driver behavior often cause autonomous vehicle crashes in Texas. (The CEO Views)
10
In 2022, about 1 in 6 crashes on Texas roads were caused by distracted driving, leading to 487 fatalities and 2,824 serious injuries. (TK Injury Lawyers)
AMERICA’S FAST GROWING INSURANCE
With over 7,000+ 5 star Google reviews and counting!
Vanessa Echeverry
I love Karina’s customer service. She is amazing—super friendly and super quick at getting you your insurance and on your way! She makes the entire process easy and is very helpful. Thank you, Karina!
Google Review
Walter P
I referred a few people here because of the exceptional job my rep provided. I call her my rep because she’s the only one I’ll go to from now on, and she’s the one I’ll refer my family to. I appreciate Paula for going above and beyond with me and the referrals I provided. All of this is due to the focus she placed on my situation. I will continue referring people to Paula for insurance solutions. Thank you again!
Google Review
Joyce Evans
Thank you, Javier, for the professional customer service. I am a senior citizen and don’t always get things right the first time. Thank you for your patience. I’m glad to have CINCO Insurance close to me in Garland on Northwest Highway.
Google Review
Doris Edmond
I spoke with Veronica, an agent with CINCO. She was the BEST! I was so stressed because I had been looking for coverage. Veronica took away all my stress. She worked with me tirelessly until she found auto coverage I could afford. I highly recommend her. She's professional, kind, courteous, and—most of all—patient. The definition of good customer service is VERONICA—my agent for life!
Google Review
Alva Ayuso
Valeria was very patient and courteous with us, answered all our questions, and helped us with all the paperwork! We will definitely recommend CINCO Auto Insurance to all our friends. Very satisfied!
Google Review
Rosalinda Alvarez
THANK YOU SO MUCH, AIME!! She offers outstanding customer service, going above and beyond to ensure a smooth and satisfying experience. Her professionalism, responsiveness, and attention to detail make every interaction pleasant and efficient. I highly recommend Aime 100% for her dedication to excellence and commitment to customer satisfaction! My family and I have found a great insurance company—all thanks to Aime.
Google Review
Alexus Monique
I’m currently looking for car insurance, and I’m so glad I decided to try this place out. The insurance agent Paula was very knowledgeable and sweet. She answered all my questions and made sure I didn’t leave with any doubts! I’m highly satisfied with my experience here and will be recommending this place. 😊
Google Review
Zouquayla Butler
I recently joined CINCO, and getting started was easy breezy. Javier is a 10/10—highly recommend! Great customer service, like we were old friends catching up while taking care of business. Thanks again, Javier. Awesome!
Google Review
Jose Santos
The service is excellent, and they help you with everything. You just have to be available, and they’ll do the work for you. I loved the work my agent Yolanda did. I recommend her—just ask for her!
Google Review
Rebecca Esquivel
Javier was awesome to talk to. He explained everything in detail and even repeated himself multiple times. Very, very patient with me—quick and ready to go! I was struggling to get a good quote, but he got me in and out. Thank you, Javier. 10/10 recommend!
Google Review
CONTACT US
Founded in 1981, CINCO Auto Insurance is a licensed agency proudly serving Texas and Georgia residents with reliable insurance coverage.
Contact Us
Find Car Insurance By Make
Toyota
Ford
Chevrolet
Honda
Nissan
Jeep
Hyundai
Kia
Ram
Subaru
GMC
Volkswagen
Copyright © 2026 CINCO Auto Insurance All Rights Reserved.