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Auto Insurance
Auto insurance that follows every mile you drive.
Auto insurance covers your liability for injury or damage you cause to others, damage to your own vehicle from collisions and non-collision events such as theft and hail, and injuries you or your passengers suffer in a covered accident. TWFG Insurance compares 300+ carriers so you don't have to.
Coverage Highlights
What a TWFG Insurance auto policy includes
Texas law sets the floor. A good policy is built well above it.
Liability coverage
Bodily injury and property damage you cause to others. This is the coverage Texas legally requires.
Collision coverage
Damage to your vehicle from an accident, regardless of fault.
Comprehensive coverage
Non-collision damage: theft, vandalism, hail, flood, and animal strikes.
Uninsured and underinsured motorist
For when the other driver has no insurance, or not enough.
MedPay and Personal Injury Protection
Medical bills for you and your passengers.
Rental reimbursement
While your car is repaired after a covered loss.
Roadside assistance
Towing, jump-starts, lockouts, and tire changes.
Rideshare and delivery endorsements
For Uber, Lyft, DoorDash, Instacart, and similar apps.
New car replacement and gap coverage
For financed and leased vehicles.
Drivers We Insure
Drivers we insure
Every driving life looks different. We place them all.
New drivers and teens
Multi-car households
High-mileage commuters
Rideshare and delivery drivers
EV owners
Classic and specialty vehicles
Prior incidents or lapses
Why TWFG Insurance
Why local drivers stay with us
The short version: we do the shopping, you keep the savings.
We shop. You don't. One conversation with us replaces a week of quote hopping.
Bundle discounts when you add home, life, or umbrella.
Same agent every renewal. No hold music, no starting over.
Real claims support. We help you through the claim rather than pointing you to a website.
300+
Carrier partners in the TWFG network
Local
8 Lines
Of coverage under one roof
#1
Personal-lines agency in Texas
FREQUENTLY ASKED QUESTIONS
Auto insurance FAQ
The questions drivers ask before they switch.
Texas requires $30,000 per person and $60,000 per accident for bodily injury liability, plus $25,000 for property damage. These are minimums. For most drivers they aren't enough, because a single serious accident can exhaust minimum limits quickly.
Usually not on a standard personal auto policy. Most personal policies exclude coverage while the vehicle is used for a fee. Rideshare and delivery endorsements, or in some cases full commercial auto, bridge the gap. Ask us before you accept your first delivery.
Primarily the car. If someone borrows your vehicle with permission, your policy responds first in most claims. This is why we ask about everyone in your household who drives your vehicle.
Bundle discounts vary by carrier, typically between 5% and 25% off the combined premium. We show you the bundled and standalone numbers side by side.
Collision pays for damage to your car from an impact: another vehicle, a pole, a curb. Comprehensive pays for damage from everything else: theft, hail, fire, flood, falling trees, animal strikes.
