Insurance Professionals Menu

Looking for cheap insurance in Texas? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in Texas. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

Compare Car Insurance Companies

How much should you pay for car insurance in Texas?

Forbes calls ValChoice "Carfax...for insurance."

Find Best Homeowners Insurance

Looking for a homeowners insurance quote in Texas?

New York Times calls ValChoice a data analytics company that is bringing transparency to the insurance industry."

Find the Best Car Insurance and Homeowners Insurance in Texas


Car Insurance Video Library


How much does Texas car insurance and home insurance cost?

The ValChoice car insurance calculator and homeowners insurance calculator were built so you could know what's a fair price for your insurance.


Home Insurance Video Library

Home Insurance Cost on the Rise

Why Dan Karr started ValChoice

Find Out How Your Texas Car Insurance and Home Insurance Companies Rate

Special Offer: Get a Premium Rating -- Includes Claims Handling Score (a $9.95 value) -- for Free

— OR —



Car Insurance Blog

The only place where you find cheap car insurance while also getting the best car insurance. We even show you how to get car insurance discounts.

Home Insurance Blog

Whether you want cheap home insurance or the best home insurance, we have the answers to your home insurance questions.

Texas Insurance Laws and Regulations

Information on Texas insurance laws and resources are available through the Texas Department of Insurance. Consumers can contact the department with questions and complaints about their auto and home insurance. If you have a problem with an auto, homeowners, life, health or title insurance company you can get the forms needed to file a complaint with the Department of Insurance. The state of Texas makes consumer complaint information available to consumers for use when shopping for insurance.

Important Laws

A summary of the driving safety laws in the state of Texas can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Texas.

The Texas Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

For homeowners, TX  law allows for a different deductible when a windstorm occurs. The deductible can apply to damage caused by a hurricane, tropical storm, tornado or wind and hail from a thunderstorm. Be sure to understand how the windstorm deductible can apply to you.

Texas has minimum auto insurance amounts that are required by law. The table below shows the TX minimum car insurance limits.

Minimum Car Insurance Coverage Required in Texas

Minimum Coverage
Bodily Injury, per person 30,000
Bodily Injury, per accident 60,000
Property Damage 25,000

Resources Available to Consumers

The Texas Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, do not have enough insurance coverage or are the victim of a flood.