Auto insurance in Texas is required by the state's financial responsibility law. Although the coverage is very minimal, it does provide at least some protection. However, it doesn't include extra features such as uninsured motorist coverage, so you should always check into getting this coverage added on. By law, Texas drivers must carry the following insurance limits:

•     $20,000 injury coverage per person
•     $40,000 per accident for injury or death
•     $15,000 coverage for property damage (per accident/occurrence)

Texas auto insurance is calculated from a variety of factors, which may or may not include:

•     Driving Record
•     Type of vehicle being insured
•     Amount of coverage desired
•     Credit Rating
•     Garaging address (where the car is parked at night)
•     Age, gender, and marital status
•     Amount of time you've been driving

Although most companies will have comparable rates for auto insurance in Texas, you should still shop around to ensure that you're getting the best deal that you possibly can. You may be able to get a better deal on coverage, or you could even find better coverage at the same rate or close to the same as the state minimum requirements. You can also inquire about discounts that you may be eligible for, including things such as good driving discounts, good student discounts, and multiple vehicle or multiple policy discounts. If you are willing to invest the time into your auto insurance search, you will have no trouble finding the right auto insurance for your needs.