Roundup: Auto Insurance Guide
Auto insurance is a must for Texas drivers. Understanding coverage options — and everything else that comes with owning a car — can feel like running on fumes. This auto insurance guide will steer you in the right direction with breakdowns of coverage types and advice on whether or not you actually need car rental insurance.
Buckle up and learn the rules of the road in Texas.
Auto Insurance FAQs
When it comes to navigating auto insurance, every question is a good question. What type of auto insurance do I need? Do I have enough coverage? Texas Farm Bureau Agents are on hand to answer your auto insurance questions — even inquiries about electric car insurance. Get answers to the most common auto insurance FAQs.
Types of Auto Insurance in Texas
At a minimum, Texas drivers need at least auto liability insurance. Liability policies help repair or replace the other driver’s car or damaged property and medical expenses when you’re found at fault for an accident. But there are other auto insurance coverages that can help protect you, too.
- Comprehensive insurance. This policy protects you against non-collision accidents or “acts of God,” such as theft, hitting an animal, or weather-related damage.
- Collision insurance. Repair or replace your vehicle after an accident, no matter if you’ve hit a pothole, a tree, or highway debris.
- Other optional auto coverage options. These coverages — ranging from medical payments to umbrella insurance — can help cover even the most unexpected or niche events drivers may experience while on the road.
- Coverage for alternative vehicles. Any vehicle deemed street-legal and licensed by the Texas Department of Motor Vehicles needs an auto policy. Aside from the common cars and trucks, that also includes motorcycles and recreational vehicles.
Auto Insurance for Business Owners
Commercial vehicles are essential to many small businesses, ranging from florists and caterers to contractors and plumbers. The right commercial auto insurance policy protects a business’ assets and productivity. Learn more about commercial auto insurance in Texas.
Teen Drivers
Getting a driver’s license is a milestone, but adding a teen driver to your auto insurance policy can be daunting for parents. Our Agents can help debunk common myths about teenage driving regulations, ranging from the number of hours needed to get a license to how late teen drivers can be on the road. Teach your teen safe habits and skills behind the wheel to set them up for success. Hang tight. In a couple of years, you’ll be looking into car insurance for college students.
Preventing Theft and Vandalism
More than 1 million vehicles were stolen in 2023, with Texas taking the second spot in “thefts by volume,” according to the National Insurance Crime Bureau. Here’s what to do if your car’s been broken into or vandalized and what car theft insurance covers. But there are steps you can take to deter would-be car thieves, such as parking in a well-lit area and hiding gifts and valuables.
Renting a Car
There seem to be endless options — and questions — when it comes to renting a car. You may find yourself asking, “Do I need rental car insurance?” Do your research before you reach the counter, starting with looking over your Texas Farm Bureau Insurance auto policy. Learn more with our complete guide to renting a car.
Buying a New Car
There are many considerations when shopping around for a new car, from knowing the best time to buy a new car to avoiding buying a lemon. There are also questions to ask your Agent before buying a new vehicle, such as whether or not you need gap insurance. You may find yourself weighing the pros and cons of leasing versus buying a car. The good news is you can get an auto insurance quote today, which can help you compare auto insurance costs.
Vehicle Maintenance
Taking care of your car can save you time and money while extending the life of your vehicle. Basic car maintenance helps reduce the likelihood of mechanical issues, which helps decrease the risk of getting into an accident, which can alter your auto insurance premium. But, should you find yourself on the side of the road at some point, Texas Farm Bureau Insurance’s roadside assistance program will extend a helping hand. Hang on to this annual car-maintenance checklist.
Annual vehicle inspections are another great way to keep your car in shape. While they aren’t required by state law anymore, there are plenty of good reasons to get one anyway.
Coverage and discounts are subject to qualifications and policy terms and may vary by situation. © 2025 Texas Farm Bureau Insurance
