auto insurance texas

Affordable auto insurance coverage in Texas

Since 1978, Texas State Low Cost has helped thousands of Texans with their auto insurance needs. Our friendly specialists will help you find the right coverage at the right price. We offer low rates and excellent service, even for hard to insure drivers. If you have had a ticket, an accident, or DUI – that’s no problem! We can help.

Beyond our deep industry expertise and friendly, dependable service, Texas State Low Cost customers choose us again and again because we offer:

Affordability. We work with many carriers, and as a result, we can shop our customers’ policies with a variety of competing insurers. This means that, typically, we offer lower rates than the big, direct insurers.

Quality. All of our brokers are licensed professionals – not just sales representatives. They are dedicated to their profession and are committed to being a trusted resource for you and your family.

Convenience. We know you are busy, and your time is valuable. That’s why at Texas State Low Cost, we’ve made it easy to get the service you need, when you need it. Our customers enjoy extended hours (we’re open on Saturdays!) and a 24 hour claim service.

Local. Though we’re backed by the 19th largest insurance provider globally, all of our brokers are local Texans: They understand where you’re coming from and can help you find what you’re looking for.

Choice. We offer all types of personal lines insurance (including renters, homeowners and motorcycle insurance) as well as small commercial insurance. And whenever possible, we offer discounts on bundled plans. Just ask!

How much auto insurance do I need?

In Texas, drivers are required to be able to pay for any damages and injuries resulting from a car accident they caused. The best way to fulfill the requirement of this law is to purchase auto insurance, which should include liability coverage.

To comply with the law, your policy must have the following limits:

  • $25,000 for property damage
  • $30,000 for each injured person
  • $60,000 for injuries per incident

Purchasing the right amount of insurance can be tricky. At Texas State Low Cost, we help our valued customers find a balance between protection (by purchasing adequate coverage) and affordability (low monthly premiums).

If you’re interested in purchasing auto, or just have questions, call Texas State Low Cost today at 800-334-3943 for a free quote!


Policies and pricing may vary and customers must refer to their own declarations page and carrier guidelines for specific information about their policies. These pages do not in any way guarantee or constitute eligibility for coverage.