Texas Auto Insurance for Every Kind of Driver
Clean record or complicated one — we shop 15+ carriers to find the price and coverage that fits. Local New Braunfels agent, real answers, no judgment.
Free Quote
Tell us a little about you and we’ll shop the market. No spam, no pressure.
Most agencies only want the easy customers. We are not most agencies. Whether you have perfect credit and a spotless record or you need an SR-22, drive without a license on file, or have had a rough patch with claims and credit, Coverall Insurance Agency finds you real coverage at a competitive rate. As an independent agency we are not tied to one company — we put your profile in front of more than a dozen carriers and let them compete for your business.
Explore your coverage options
Standard Auto Insurance for Good Drivers
Clean record and good credit deserve a clean, low rate. We make carriers compete so you do not overpay.
Learn more →Non-Standard Auto Insurance
Bad credit, no license on file, tickets, lapses, or past claims? We work with the carriers that specialize in exactly your situation.
Learn more →SR-22 Insurance
Need an SR-22 to reinstate your license? We handle the filing the same day and shop carriers so you are not overpaying for it.
Learn more →Why use an independent agent for auto insurance?
When you buy from a single-company website, you get that company’s rate — take it or leave it. When you work with an independent agency, you get the whole market. We put your exact profile in front of 15+ carriers and bring back the best combination of price and coverage, then handle the switch and the paperwork for you. There’s no extra cost to you for that — carriers build agent service into the rate either way.
It matters even more if your situation is anything but textbook. The big direct carriers are built for spotless records and good credit; everyone else gets surcharged or declined. We work with both standard and non-standard markets, so whether you’re a preferred driver or you need an SR-22, we have somewhere to take you.
Coverage for every kind of driver
No two drivers are alike, and we write across the full spectrum:
- Standard & preferred — great rates for clean records and good credit
- Non-standard — tickets, accidents, lapses, bad credit, no license
- SR-22 filings — fast, same-day filing to reinstate your license
- Foreign license, Matrícula, and ITIN drivers
- Multi-car households and bundles with home
How much does auto insurance cost in Texas?
Your rate depends on your driving record, credit, vehicle, location, coverage limits, and which carrier you’re with — and that last one varies more than most people expect. The same driver can pay very different premiums at two carriers for identical coverage. Texas requires at least 30/60/25 liability, but the minimum only covers damage you do to others, not your own car.
Rather than guess, let us shop it. We’ll show you real quotes across multiple carriers, explain the trade-offs between minimum and full coverage, and find the discounts you qualify for — all in a few minutes, with no obligation.
Auto insurance questions, answered
What auto insurance is required in Texas?
Texas requires liability coverage of at least 30/60/25 — $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Most drivers carry more, plus collision and comprehensive to protect their own vehicle.
Can you insure high-risk or non-standard drivers?
Yes — it’s one of our specialties. We work with carriers built for SR-22, tickets, accidents, bad credit, and no-license situations. Where a big direct carrier says no, our independent panel usually has a yes.
Will switching create a gap in my coverage?
No. When you move to a new policy we coordinate the start date with your current one and help you cancel it, so your coverage is continuous with no lapse.
Do you offer monthly payment plans?
Yes. Many of our carriers offer monthly and low-down-payment options, including for non-standard and SR-22 drivers, so you don’t have to pay the year up front.
Not sure which auto coverage fits?
Tell us about your situation — clean record or complicated — and we’ll shop it across the market.