Personal Auto Insurance from Texas Farm Bureau rated for 5 star by Get Auto Insurance in Houston for our United States readers, especially for you at Houston, TX, USA. Get Auto Insurance in Houston help you get free online car auto insurance quote comparisons by save your time to getting auto insurance quotes with one form for instant compare rates from over 5 auto insurance companies in Houston, Texas.

Texas Farm Bureau's personal auto insurance.

Personal Auto Insurance from Texas Farm Bureau offers competitive car insurance rates from family cars to work trucks and all vehicles in between - for every moment every mile.

Your Miles, Your Moments - Coverage Is Right for Both

For every road in Texas, we have car insurance that best suits your vehicle and trip. More than 1 million Texans rely on our local agents to provide the most competitive prices and the right coverage for how and where they drive. You can too.

What do you need

The state requires that you carry a responsibility to protect other drivers and their property. If you finance your car, your lender will most likely require you to bring a collision. Finally, there is Comprehensive (also called Other Than Collision) that protects your vehicle from damage caused by events other than accidents.

Optional Coverage

Here are some of the types of coverage that we offer. Although this is not needed, your agent can recommend them:

Personal Injury Protection - Coverage for matters that are not normally covered by general policies, such as loss of wages and child care costs.
Death Indemnity - Giving a life insurance policy limited to beneficiaries if you are accidentally killed in a car accident.
Uninsured / less insured coverage - Pay for injury and property damage caused by a driver who runs off or the driver without liability insurance.

Savings With Discounts

From alarm systems to airbags to academic achievements to multi-drivers, there are many ways to save. Talk to your agent about qualifications.

New to Texas?

Welcome! You might have noticed ... everything is different here. To help you familiarize yourself with our road rules, here are some laws that are unique to Lone Star State:

30/60/25 Law: Minimum automatic obligation required by the state. That's up to $ 30,000 to cover one person injured in an accident, up to $ 60,000 to cover two or more injured people, and up to $ 25,000 to cover other people's property.
Insurance Legal Proof: You must bring proof of insurance at any time when you are driving. If you pull over and cannot show proof of insurance, the state has the right to tow your car on the spot.
Mobile phone use: In June 2009, House 55 Bill was signed into law. The law prohibits the use of wireless communication devices within the school crossing zone. Also, drivers under the age of 18 are not permitted to send text messages while driving.

Take the Texas driving test? Find everything you need, from sample questions to study material.

Frequently Asked Questions

What affects the cost of insurance for my car?

Your car insurance rates are based on several factors:

You. Your gender and age play a role in determining your exchange rate. Usually, younger drivers are considered less experienced and therefore are at higher risk on the road.
Your vehicle. Your rates are influenced by the type of car you drive. High-performance vehicles are often more expensive because they are considered more dangerous. If the cost of replacing your vehicle parts is high, your rate will be higher. If your car has adequate safety precautions such as airbags and ABS, it is safer, and has a lower risk of personal injury, your numbers may be lower.
Driving you. From your history to how often you drive to how you use your vehicle, your driving helps determine your insurance level. The more mileage you collect, the more wear and tear your car receives and the more you will be expected to pay. Plus, if you have a history of violations or traffic collisions, your premiums tend to be higher.

How do you consider deductible costs vs. coverage costs?

Consider your risk. If you have a clean record and no accidents, you might want to consider having a higher discount and saving money on premiums. On the other hand, if you live in an area prone to hail and your vehicle is not covered 80% of the time, you might want to consider paying a higher premium to have a lower deductible.

You also have to think about how much you will pay if something unexpected happens. Is it better for you to save months and months and pay for a bigger lump sum? Or is it easier for you to pay more at your premium to reach a smaller down payment?

Is it possible to reduce my car insurance premium?

Yes, that is possible. But the question then is, what are you willing to give to save money? Lowering your premium usually requires a reduction or reduction in some of your coverage. And we will not recommend it unless you have a reason, like selling a vehicle.

Because having the right coverage for your specific needs is very important, our agents regularly review your policies to make sure they work with your life. For us, it's about giving you the right coverage at the right price.

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Personal Auto Insurance from Texas Farm Bureau.
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