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Everything is bigger in Texas and that means a whole lot more to explore. Whether it’s trips from San Antonio to Port Aransas or scenic drives through the countryside outside of Austin, having a reliable set of wheels in The Lone Star State means having access to all kinds of adventures. Keep your vehicle safe with auto insurance from Nationwide.

Explore coverage options in Texas and find new ways to save while protecting yourself and your vehicle.

Take advantage of Nationwide's features

Nationwide makes it easy for you to find dependable auto insurance in Texas. We can show you options so you can choose the coverage that's right for your needs, goals and budget. 

Explore the features below to learn more about what we can offer you:

Texas car insurance discounts

Nationwide makes it easy to find affordable car insurance. Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:

Multi-policy

When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life.

SmartRide® program

SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn.2

Good student

Nationwide offers a student discount for drivers age 16 to 24 who maintain a B average or better and are full-time students.

Defensive driving

This discount applies to drivers age 55+ who have completed and passed a state-approved defensive driving safety course.

Anti-theft

If you have an anti-theft device installed in your car you may be eligible for a discount. Savings vary based on the type of device installed. Proof of installed device may be required.

Safe driver

It is important to maintain a clean driving record. If you have at least 5 years of safe driving, you could be eligible for safe driver discount.

Automatic payments

Get a one-time discount for setting up monthly recurring bill pay from your checking or savings account.

Accident free

When you maintain an accident-free driving record you could earn up to 10% reduction in your monthly premium.

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Car insurance laws in Texas

As a resident of the Lone Star state, you are required to carry car insurance and purchase coverage before you register your vehicle. Insurance may also vary from city to city.

Texas teen driving laws

Young drivers are eager to get out on the road and experience that kind of freedom for the first time in their lives. To ensure safety on the road for everyone, it’s important to become familiar with the laws for new drivers in Texas.

New drivers can apply for their learn license once they turn 15, followed by a provisional license at 16 after they have completed drivers education, passed the Texas Teen Driver course, obtained a passing score on their driving test, and have held their learner license for at least six months. Once a driver turns 18, all restrictions are lifted. You can learn more about being a young Texas driver here.

Minimum insurance requirements for Texas

When you buy Texas car insurance coverage, you’ll need at least the required state minimum amount: $25,000/$50,000/$25,000. So in the event of an accident, you’ll get $25,000 coverage for bodily injury to one person per accident, $50,000 coverage for bodily injury to two or more people per accident, and $25,000 in property damage coverage per accident.

Liability coverage

As a resident of Texas, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

  • Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
  • Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.

Liability coverage also provides for your legal defense expenses if you are sued as a result of a covered accident.

Optional Texas insurance coverages

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

Comprehensive

This type of Texas auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.

Collision

Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).

Uninsured/underinsured motorist

Protects you in the event of an accident where the other party is at fault and either doesn’t carry insurance or whose insurance limits are not enough to reimburse you for damages they caused.

  • Property damage may protect you if you’re involved in an accident where the other party is at-fault and uninsured/underinsured for damages sustained to your vehicle and other covered property (subject to deductible).
  • Bodily injury may protect you if you’re involved in an accident and the other party is at-fault and either is uninsured or doesn’t carry enough insurance to cover costs related to your bodily injury damages.

Medical benefits

May pay for necessary medical expenses or funeral costs for you or others covered under the policy, no matter who is at fault.

Personal injury protection (PIP)

May reimburse a portion of wage loss, medical expenses and essential services incurred as a result of an accident to eligible injured parties (i.e. passengers or pedestrians). May not be selected if choosing medical benefits.

Tailor your policy with these options

Accident Forgiveness

With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.

Roadside Assistance

Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.

Loss of use

If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.

Save up to 20% when you bundle home and car insurance with Nationwide.

Nationwide coverage in Texas

[1] Guarantee is limited to alternative parts identified on appraisal and used in repair. Also, work performed at an On Your Side Auto Repair Center includes workmanship guarantee. For informational purposes only. Program terms and conditions are controlling.

[2] Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.