Low-Income Car Insurance in Texas
Texas has no state low-income auto program, but you still have ways to pay less. We compare 35+ carriers with no credit check, and liability starts at $28/mo for qualifying drivers.
Does Texas Have a Low-Income Car Insurance Program?
No. Texas has no state-sponsored low-income or low-cost auto insurance program; only California, Hawaii and New Jersey offer one. A 2013 Texas bill, SB 491, proposed a low-income personal auto program but did not become law. Texas drivers lower their cost by choosing coverage carefully and comparing carriers.
Sources: Bankrate, low-income car insurance in Texas; Texas Legislature, SB 491 (83R) bill analysis.
6 Ways Texas Drivers on a Tight Budget Pay Less
Without a state program, the price you pay comes down to the coverage you choose, how you pay for it and how many carriers you compare. These six steps are the ones A-LA agents use most with Texas drivers on a budget. Your actual price depends on your driving record, vehicle and ZIP code.
Choose liability-only at the Texas minimum
Texas requires 30/60/25 liability (Tex. Transp. Code §601.072): $30,000 per injured person, $60,000 per accident, $25,000 property damage. Liability-only costs less than full coverage, but it doesn't pay to repair your own car.
Liability-only car insurance in Texas →Raise your deductible on full coverage
If you need comprehensive and collision (a lender usually requires them on a financed car), a higher deductible lowers the premium. Pick a deductible you could actually pay after a claim.
Start with little or no down payment
Many carriers let you start a policy with the first month's premium and pay monthly, instead of paying six months up front.
No down payment car insurance in Texas →Don't own a car? Buy a non-owner policy
If you drive borrowed cars but don't own one, a non-owner policy gives you liability coverage without insuring a specific vehicle, and an SR-22 can be attached if TxDPS requires one.
Non-owner car insurance in Texas →Get quoted with no credit check
A-LA does not use your credit score to set your premium, so a thin or damaged credit file doesn't count against your quote.
No-credit-check car insurance (Dallas) →Compare many carriers at once
Prices for the same driver and car vary from one carrier to the next. A-LA compares 35+ carriers in one quote, and an agent can tell you which discounts each carrier offers you, such as bundling renters with auto.
Liability-Only or Full Coverage on a Tight Budget?
Liability-only at the Texas 30/60/25 minimum is usually the lowest-priced way to drive legally, and it pays for injuries and damage you cause to others. It does not repair your own car. If your car is financed or leased, the lender will usually require full coverage, so ask about a higher deductible instead.
- Older car that's paid off: liability-only is often enough, if you could replace the car yourself.
- Financed or leased car: full coverage is usually required by the lender; a higher deductible lowers the premium.
- Need an SR-22: the filing is attached to a liability policy. A-LA files it with TxDPS the same day; TxDPS then processes it on its own schedule.
- No car of your own: a non-owner policy is liability-only and insures you, not a vehicle.
Compare 35+ carriers in one quote. No credit check.
Liability from $28/mo for qualifying drivers. Bilingual agents by phone, online or at 20 Texas offices.