What is the minimum auto insurance required in Texas?

Texas requires minimum liability coverage of 30/60/25: $30,000 for bodily injury or death to one person per accident, $60,000 for bodily injury or death to multiple people per accident, and $25,000 for property damage per accident. While this is the legal minimum, we strongly recommend higher limits (100/300/100) for better financial protection. Most accidents result in costs exceeding these minimums, leaving you personally liable for the difference.

How can I lower my auto insurance premium?

There are many ways to reduce your auto insurance costs without sacrificing coverage:

• Bundle auto with home or renters insurance (save up to 25%)
• Maintain a clean driving record and avoid tickets
• Complete a defensive driving course (6-hour course = discount)
• Install anti-theft devices and tracking systems
• Choose a higher deductible if you have emergency savings
• Ask about good student discounts (3.0+ GPA)
• Pay your premium in full annually instead of monthly

What happens if I'm in an accident?

If you're involved in an accident, follow these steps:

1. Ensure everyone's safety first. Call 911 if there are injuries or significant damage.
2. Exchange information with other drivers (names, phone numbers, insurance details, license plates).
3. Document the scene with photos and videos from multiple angles.
4. Get contact information from witnesses if possible.
5. Contact A-LA Insurance immediately — we're available 24/7 at (866) 252-6116.
6. Our claims team will guide you through the process, arrange vehicle towing if needed, and help you get your vehicle repaired quickly at one of our approved shops.

Do you offer discounts for safe drivers?

Yes! We offer substantial discounts for safe drivers with clean records. Our safe driver discount can save you up to 30% on your premium. Additional discounts include defensive driving course completion (up to 10%), multi-vehicle discounts (up to 20%), bundled policies with home or renters insurance (up to 25%), loyalty discounts for long-term customers, and military/veteran discounts. We also offer accident forgiveness for your first at-fault accident, so your rates won't increase. Contact us to learn about all available discounts you may qualify for.

What's the difference between collision and comprehensive coverage?

Collision coverage pays for damage to your vehicle from accidents involving other vehicles or objects (like hitting a tree or guardrail), regardless of fault. Comprehensive coverage protects against non-collision events like theft, vandalism, fire, hail, flooding, falling objects, and animal strikes. Both are optional but highly recommended, especially if you have a car loan or lease. Together they provide complete physical damage protection for your vehicle. Most drivers choose both for total peace of mind.

How quickly can I get coverage?

You can get same-day coverage with A-LA Auto Insurance. Our online quote process takes less than 5 minutes, and once you purchase your policy, you'll receive instant proof of insurance via email that you can access on your phone. You can also call us at (866) 252-6116 to speak with an agent and get covered over the phone in minutes. We understand that sometimes you need insurance immediately, and we're here to help.

How much is car insurance per month in Texas?

At A-LA Auto Insurance, rates start at $28/month for liability-only, SR-22, and non-owner SR-22 policies. Typical customer averages: clean-record suburban DFW drivers pay $65 to $90/month liability-only and $120 to $180/month full coverage. Urban DFW ZIPs (75211, 76104, 75227) average $180 to $320/month full coverage. SR-22 liability from $28, typically $85 to $145/month by violation. Non-owner SR-22 from $28/month. Ranges based on A-LA quote data, January 2025 through April 2026 across 15 DFW offices.

Where is the cheapest car insurance in Texas?

There is no single cheapest carrier in Texas — rates can vary 30% to 200% between insurers for the exact same driver, which is why comparing multiple carriers matters more than any specific brand. At A-LA Auto Insurance, liability-only auto insurance starts at $28 per month. Because we are an independent agency comparing 35+ Texas-licensed carriers — including non-standard specialty insurers standalone agencies do not access — every quote we generate is already a multi-carrier price comparison. In our experience quoting at 15 DFW offices, customers who switch to A-LA from a single-carrier policy save an average of $694 per year on auto insurance.

Can I get car insurance without a credit check in DFW?

Yes. A-LA Auto Insurance does not run credit checks to quote or bind auto policies. Texas Insurance Code §559 restricts how credit-based insurance scores can be used in auto rating, and A-LA's 35+ carrier network includes non-standard specialty insurers that rate primarily on driving record, vehicle, and coverage selection — not credit. This helps new immigrants, first-time buyers, and drivers with damaged credit avoid the 40 to 80 percent premium penalty applied by credit-heavy standard carriers. Walk into any of our 15 DFW offices or call (866) 252-6116 — no SSN required.

Can I get car insurance in Texas without a US driver's license?

Yes. A-LA Auto Insurance writes auto insurance for Texas drivers who do not hold a US driver's license using alternative identification. Accepted documents include the Mexican Matrícula Consular, ITIN (Individual Taxpayer Identification Number), foreign passport, foreign government-issued driver's license, international driving permit, and DACA Employment Authorization Document (EAD). No SSN required. Coverage options include Texas minimum liability (30/60/25), full coverage, and SR-22 filing when required. Every A-LA office has bilingual English and Spanish agents — walk in at any of our 15 DFW locations.

Can A-LA write high-risk auto insurance in DFW?

Yes. A-LA specializes in high-risk Texas auto insurance — including drivers with DUI/DWI convictions, multiple at-fault accidents, excessive violations, license suspensions, or no prior insurance history. Standard carriers commonly decline or non-renew these profiles, but A-LA's 35+ carrier network includes non-standard specialty insurers that accept them. High-risk liability-only policies typically range $145 to $250/month; full coverage $280 to $450/month. Same-day coverage and SR-22 filing are included when required. Zero judgment.