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Texas Insurance Guide
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Insurance in Texas
Texas is the second-largest insurance market in the nation. Understanding your options in the Lone Star State is essential for proper coverage.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Key Facts
- Insurance Regulator: Texas Department of Insurance
- Health Marketplace: Healthcare.gov (federal marketplace)
- Population: ~30 million residents
- Unique Considerations: Hurricane/flood coverage, no state income tax affects planning
Insurance Types in Texas
Explore coverage options available to Texas residents across all insurance categories.
How Texas Compares
Understanding how Texas stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Texas | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,889 | $1,935 | -2% (above average) |
| Health Insurance (monthly) | $523 | $477 | +10% (near average) |
| Home Insurance (annual) | $2,789 | $2,377 | +17% (well above average) |
| Uninsured Rate | 18.6% | 9.5% | +96% (among the worst) |
Key Insights
- Homeowners insurance ranks #44 highest, often due to weather-related risks. Consider mitigation measures and shop for competitive rates.
- The uninsured rate is among the highest in the country (#50). Marketplace plans with subsidies can help close this gap.
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Texas Department of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Texas (opens in new tab) - Federal health insurance marketplace for Texas
- Texas Windstorm Insurance Association (opens in new tab) - Windstorm coverage for coastal Texas
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Texas address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Texas Department of Insurance
- Phone
- 800-252-3439
- Website
- Visit Official Website
Frequently Asked Questions
What is the average car insurance cost in Texas?
The average car insurance premium in Texas is approximately $1,800-$2,200 per year for full coverage, which is higher than the national average due to factors like urban traffic density, weather-related claims, and the state’s large geographic size.
Is health insurance mandatory in Texas?
No, Texas does not have a state-level individual health insurance mandate. However, having coverage protects you from potentially devastating medical costs. Texas residents can purchase plans through Healthcare.gov during open enrollment or qualify for special enrollment periods.
Do I need flood insurance in Texas?
Standard homeowners insurance does not cover flood damage. If you live in a flood-prone area (common along the Gulf Coast, near rivers, or in low-lying regions), flood insurance through FEMA’s National Flood Insurance Program or private insurers is strongly recommended.
What is the minimum auto insurance required in Texas?
Texas requires minimum liability coverage of 30/60/25: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. However, these minimums may not fully protect you in a serious accident.
How do I find affordable health insurance in Texas?
Compare plans on Healthcare.gov during open enrollment (November-January). Many Texans qualify for premium tax credits based on income. You can also check if you qualify for Medicaid or CHIP, explore short-term plans for temporary coverage, or consider health sharing ministries.
Does Texas require homeowners insurance?
Texas law does not require homeowners insurance, but mortgage lenders typically require it as a condition of the loan. Even without a mortgage, coverage protects your largest investment from fire, theft, liability claims, and certain weather damage.
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[texas] Insurance Types
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Neighboring State Guides
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