Texas State Flag flies proudly over the great state of TX!

Texas High Risk Insurance
Texas Hard To Place Insurance Policies
Consumer Quoting Help Online

Texas Panhandle Auto Insurance Rates

Zip Code:
How to Find the Best Price

If you have a good driving record, avoid companies and agents that advertise to high-risk drivers. Their premiums are often higher. Get quotes from several companies before you buy. Include independent agents in your search. Some agents only represent a single company or company group. Independent agents may represent several companies. Consider higher deductibles. You can save money on your premiums by increasing your policy deductibles, but you�ll have to pay more out of pocket if you have a claim. You�ll need to have money readily available (personal savings, ability to borrow from relatives or friends, etc.) to pay your out-of-pocket expenses. Ask your agent about discounts. Discounts vary by company. Some companies may offer discounts if you have multiple policies with the company, have anti-theft devices in your car, or have completed a driver education course. Other discounts may be available.

Texas Law for financial responsibility

  • Texas law requires proof of financial responsibility for anyone who drives an automobile in the state. Most Texans choose to purchase liability insurance to meet this requirement. Liability insurance pays for bodily injury, property damage, and some additional expenses of other drivers, their passengers, and your passengers when you or a driver covered by your policy causes an accident. The minimum liability insurance required by law is $20,000 per injured person, $40,000 for everyone injured in an accident, and $15,000 for property damage per accident. This is commonly called "20/40/15" coverage. Liability insurance does not pay for damage to your own vehicle.

Panhandle Plains Amarillo Borger Burris Canyon Cliffside Denver City Dumas Hereford Kitalou Levelland Lubbock County rural Lubbock metropolitan Lubbock suburban Marsh Pampa Panhandle/Plains rural Plainview Pullman Woodrow Zita