Full Coverage Car Insurance in Texas | Free Quotes

With the most miles of interstate highway in the country, the Lone Star State is home to vibrant cities such as Houston, Dallas, Corpus Christi, El Paso, and more. Getting affordable “full coverage” car insurance in Texas can be crucial for many drivers who want added peace of mind. Full coverage insurance typically refers to a bundle of coverages. See below for a detailed explanation. 

Find budget-friendly car insurance options with Agencia de Seguros de Accesso, LLC (A Abana). To help you customize a policy that meets your needs, we offer: 

• Quotes from 20+ major insurance companies 
• Spanish-bilingual help from licensed agents 
• SR-22 filing services (owner and non-owner) 
• Flexible payment plans 
• Low down payments (depending on the insurer you choose) 
• Assistance for drivers who’ve faced insurance challenges 
• A variety of qualifying discounts! 

Call A Abana today at 214-764-8868 to get affordable Texas car insurance quotes from 20+ insurers or get a free car insurance quote online. 

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What is "full coverage" car insurance in Texas? 

“Full coverage” isn’t a single insurance product you can buy. It usually refers to a bundle of car insurance coverages that includes: 

• Liability coverage (the minimum required in Texas) 
• Comprehensive coverage 
• Collision coverage 

Having full coverage means getting a broader financial safety net than just the minimum liability insurance, which doesn’t cover your own injuries or damages to your vehicle. The added comprehensive and collision coverages can help with these costs. 

Especially for high-risk drivers, "full coverage" is a good option since their likelihood of experiencing a costly accident is higher. 

Here are the coverages that make up a full coverage auto insurance policy, in detail: 

1. Liability insurance 

Liability insurance is the minimum coverage required by Texas law. It helps cover the costs of injuries or damage to another person when you cause a covered accident.  

In Texas, the minimum liability insurance is called “30/60/25” because it covers: 

• $30,000 for bodily injury or death to another person 
• $60,000 for injury or death to one or more people per accident 
• $25,000 for the other person’s property damages 

If you cause an accident, your liability coverage helps pay for the other person’s damages up to your chosen limits. You can also choose higher limits. 

2. Collision Coverage 

Collision coverage helps pay for the costs of fixing or replacing your own vehicle after a covered accident, regardless of who is at fault. 

3. Comprehensive coverage 

Comprehensive coverage helps pay for damages to your car that are not caused by collisions. Some examples of these events are: 

• Theft or vandalism 
• A tree branch falling on your car 
• Extreme weather events like floods or hurricanes 
• Fires 

Both comprehensive and collision insurance often have deductibles. 

Find low-cost full coverage car insurance options in Texas. Call 214-764-8868 and our Spanish-bilingual agents will help you get a personalized quote.  

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Optional coverages 

Drivers in Texas can also choose these types of car insurance: 

• Personal injury protection (PIP): It can help pay for your and your passengers’ medical bills, lost wages, rehabilitation, and funeral expenses after a covered accident, regardless of who is at fault. You may decline it in writing. 
• Uninsured/underinsured motorist coverage (UM/UIM): It may help if another driver hits you and they have no insurance or not enough insurance. You may decline it in writing. 
• Medical payments (MedPay): MedPay can help pay for medical costs for injuries caused during a covered accident, regardless of fault. Unlike PIP coverage, it doesn’t cover non-medical costs. 
• Roadside assistance: A handy add-on, which usually includes lockout and towing services, blown tire assistance, battery services, etc. 

Why full coverage matters in Texas 

Having full coverage auto insurance in Texas is an affordable way to offset the high costs that may arise after covered accidents.  

Here are a few reasons why you may opt for full coverage: 

• To help with your own medical bills and car repairs after a covered loss 
• If your car is leased/financed, it may be required by the leaser/lender 
• It can add a financial safety net in Texas, where almost 15% of drivers don’t have insurance, according to the Insurance Information Institute 
• If you live in an area with higher crime rates or extreme weather events 

A Abana can help you find affordable full coverage options. Get a quote from 20+ insurers online or call us at 214-764-8868. 

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How much is full coverage auto insurance in Texas? 

Drivers looking for cheap full coverage auto insurance in Texas may wonder how to lower their rates. As of the publishing of this article, the average yearly price of full coverage insurance in Texas is $2,751, according to Bankrate. 

A Abana can help you find a low-cost option that doesn’t compromise coverage. How much you’ll pay depends on several factors, like: 

• Your driving history 
• Age and gender 
• Location 
• Your vehicle 
• The limits and deductibles you choose 

Save more on full coverage with discounts 

A Abana can help you find discounts you may qualify for, such as: 

• Good student discount 
• Discounts for bundling multiple vehicles 
• Good driver discount 
• Continuous coverage discount 
• And more! 

Ask one of our Spanish-bilingual agents about available discounts at 214-764-8868 or get a free car insurance quote with A Abana online.  

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Benefits of full coverage for high-risk drivers 

A driver who is more likely to cause a traffic accident or have a traffic violation is known as a “high-risk driver.” Traffic violations include things like driving without insurance, having DUIs, or running through red lights.  

However, high-risk drivers still have options. 

Considering full coverage may be critical for high-risk drivers if they can't afford to pay for repairs out of pocket. Including comprehensive and collision coverage in your auto insurance policy can be an extra financial safety net you can rely on when a covered accident happens. 

If you want to know what your options are as a high-risk driver, you can contact an A Abana agent in Texas, and we'll be happy to answer your questions. 

Frequently asked questions (FAQs) 

What is considered full coverage car insurance? 

Full coverage typically includes liability insurance, collision, and comprehensive coverages. These go beyond the minimum requirements in Texas. 

Do I have to carry full coverage in Texas? 

No, only liability coverage is required in Texas. However, if you’ve leased or financed a vehicle, the leaser/lender may require you to get full coverage. 

How much does full coverage cost in Texas? 

How much you’ll pay depends on your driver profile, vehicle, ZIP code, and the coverages you choose. A Abana can help you find an option that doesn’t break the bank. 

Can I find cheap full coverage in Texas? 

Comparing quotes from 20+ insurance companies with A Abana can help you find more affordable rates without compromising coverage. 

Is full coverage the same as liability? 

No. Liability coverage pays for the other driver’s damages when you cause an accident. Full coverage also helps pay for your medical bills and car repairs after a covered accident. 

Get a quote for Texas full coverage insurance today  

Ready to find an affordable full coverage option? With A Abana you get: 

• Personalized car insurance options 
• Quotes from 20+ insurance companies 
• Spanish-bilingual help 
• SR-22 filing services 
• Access to qualifying discounts 

Call 214-764-8868, stop by your nearest store, or get a free auto insurance quote online today to see how much you could save on full coverage car insurance in Texas! 

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Disclaimer:  
This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.