Coverage and service as big as Texas
Texas has almost 680,000 miles of roadways, offering plenty of room to roam. Whether you're cruising the Big Bend region, perusing the Panhandle or easing through East Texas, USAA can be there for you.
The average cost of car insurance in Texas
There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay. Texas also has a higher risk for hurricanes, flooding and hail, increasing car insurance costs.
See note$211 See noteper month
The average monthly cost for all USAA Auto Insurance policies issued in Texas in 2023.See note1
Get up to 30% off your premium for being a safe driver.See note2
With USAA SafePilot®, the better you drive, the bigger the discount you may earn.
Texas coverage requirements and minimums
As of Jan. 1, 2024, USAA offers Texas drivers a variety of required and optional coverages with USAA Auto Insurance.
| Coverage | Description | Texas Requirement |
|---|---|---|
| Bodily injury liability per person | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. Learn about liability coverage | Minimum coverage requirements:
$30,000 limit per person |
| Bodily injury liability per accident | This is the total amount of coverage for expenses related to the injuries or deaths of others involved in accidents where you're found at fault. Learn about liability coverage | Minimum coverage requirements:
$60,000 limit per accident |
| Property damage liability | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. | Minimum coverage requirement: $25,000 limit per accident |
| Bodily injury for uninsured or underinsured motorists | This helps cover your expenses if you're in an accident caused by a driver who is uninsured or doesn't have enough insurance.Learn about uninsured and underinsured coverage | Underinsured motorist coverage is included with uninsured coverage, which is required but can be rejected in writing by a named insured |
| Personal injury protection | This helps pay for injuries you and your passengers might sustain in a car accident. It can be used for related medical expenses, lost income and essential services like cleaning and child care. | Required, but can be rejected in writing by a named insured |
| Collision | This helps pay to repair or replace your vehicle if it's damaged in an accident related to driving. It's subject to a deductible.Learn about collision coverage | May be required if you're making payments to a lender or leasing company |
| Comprehensive | This helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events. It's subject to a deductible.Learn about comprehensive coverage | May be required if you're making payments to a lender or leasing company |
Some drivers choose to have higher limits and carry additional coverage for more protection. If you're responsible for injuries and damage totaling more than your policy limits, you may have to pay out of pocket.
Texas coverage requirements and minimums
As of Jan. 1, 2024, USAA offers Texas drivers a variety of required and optional coverages with USAA Auto Insurance.
| Bodily injury liability per person |
|---|
DescriptionThis helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. Learn about liability coverage |
Texas RequirementMinimum coverage requirements: $30,000 limit per person |
| Bodily injury liability per accident |
|---|
DescriptionThis is the total amount of coverage for expenses related to the injuries or deaths of others involved in accidents where you're found at fault. Learn about liability coverage |
Texas RequirementMinimum coverage requirements: $60,000 limit per accident |
| Property damage liability |
|---|
DescriptionThis helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Texas RequirementMinimum coverage requirement: $25,000 limit per accident |
| Bodily injury for uninsured or underinsured motorists |
|---|
DescriptionThis helps cover your expenses if you're in an accident caused by a driver who is uninsured or doesn't have enough insurance. Learn about uninsured and underinsured coverage |
Texas RequirementUnderinsured motorist coverage is included with uninsured coverage, which is required but can be rejected in writing by a named insured |
| Personal injury protection |
|---|
DescriptionThis helps pay for injuries you and your passengers might sustain in a car accident. It can be used for related medical expenses, lost income and essential services like cleaning and child care. |
Texas RequirementRequired, but can be rejected in writing by a named insured |
| Collision |
|---|
DescriptionThis helps pay to repair or replace your vehicle if it's damaged in an accident related to driving. It's subject to a deductible. Learn about collision coverage |
Texas RequirementMay be required if you're making payments to a lender or leasing company |
| Comprehensive |
|---|
DescriptionThis helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events. It's subject to a deductible. Learn about comprehensive coverage |
Texas RequirementMay be required if you're making payments to a lender or leasing company |
Some drivers choose to have higher limits and carry additional coverage for more protection. If you're responsible for injuries and damage totaling more than your policy limits, you may have to pay out of pocket.
Did you know?
You can save up to 10% on your premium when you bundle your auto policy with homeowners or renters insurance.See note3
Reasons to choose USAA Auto Insurance in Texas
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Members Saved $725
A countrywide survey showed that our members saved an average of $725 per year when they switched to USAA Auto Insurance.See note4
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Exceptional Service and Claims
We're available 24/7 online for policy updates and claims through usaa.com and our mobile app.
You may qualify for discounts and savings with USAA Auto Insurance.
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Good Student Discount
Get a discount if your full-time student driver maintains good grades.See note5
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Multi-Vehicle Discount
Get a discount if you have two or more vehicles on your policy.See note5
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Annual Mileage and Storage Discount
Get a discount if you don't drive much per yearSee note5, and if you put your car in storage.See note6
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Automatic Payments Discount
Save up to 3% on your auto premium when you set up automatic payments.See note5
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Early Quote Discount
Save up to 3% on your auto premium when you buy a policy seven or more days before the start date.See note5
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New Vehicle Discount
Get a discount on your auto premium if your vehicle isn't more than 3 years old.See note5
Who can get auto insurance with USAA?
When you join USAA, you become part of a family who stands by you during every stage of your life. Our family includes:
- U.S. military members and veterans.
- Pre-commissioned officers.
- Spouses and children of USAA members.
Get coverage for whatever moves you.
Still have questions about car insurance?
We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)