Auto FAQ

What does the AM Best rating show?

AM Best is an organization that gives grades / ratings to insurance companies worldwide. Their rating helps show if an insurance company is financially strong or not.

Grade / rating Financial strength
A++ and A+ Superior
A and A- Excellent
B++ and B+ Very good
B and B- Fair
C++ and C+ Marginal
C and C- Weak
NR Not rated

What does the complaint index show?

The complaint index shows how consumer complaints filed against a company compare to the average for other companies selling the same type of insurance.

Index score Compared to other companies selling the same type of insurance
Fewer than average
Less than 1.00
The company got fewer than the average number of complaints.
Average
1.00
The company got an average number of complaints.
More than average
More than 1.00
The company got more than the average number of complaints.

Note: Some companies that have a small number of policies might show a complaint index score that is “more than average.” A company may have a small number of policies because it is: (1) new to the insurance market, (2) leaving the insurance market, or (2) provides only special types of policies, like high‐risk policies.

What is liability coverage?

Liability coverage pays to repair the other driver’s car if you caused the accident. It also pays the medical bills and some other costs for the people in the other car.

Texas law says that drivers must show proof they can pay for the accidents they cause. Most drivers do this by buying auto liability insurance. When you buy liability insurance, the minimum amount of coverage allowed in Texas is: (1) $30,000 of coverage for injuries per person, (2) $60,000 for all injuries per accident, and (3) $25,000 for property damage per accident. This is called 30/60/25 coverage.

When shopping for insurance, you might consider buying more liability coverage than the law says you need. The lowest level of coverage might not cover costs if you cause a multi-vehicle accident or the other driver’s car is totaled. If you don’t have enough liability coverage to pay for the damages and injuries you cause, you might have to pay the rest out of your own pocket. The other driver could sue you.

Learn more about different types of auto coverages in our Auto insurance guide.

Why are there limited options on some of the questions?

The Texas Department of Insurance collects information for this website from various insurance companies. To do this, we ask them to provide information for specific scenarios. The options shown on the question form are for those scenarios. For example, we collect only car and truck insurance rate information – not information for SUVs and minivans.

When answering questions, pick the option closest to your case. For example, if you have an SUV, the truck option should give you a good estimate and show you how the companies stack up.

Why aren’t all companies that sell insurance in Texas included?

The only companies that must send information for this website are those in the top 25 insurance groups in the nation. Texas companies that are not in the top 25 list can voluntarily send us their information. View companies included on this website.

What do the coverage limits include?

Coverage limits show levels of liability coverage for a policy. This coverage pays for injuries and damage to others and their property if you caused the accident.

The lower the amount of coverage, the lower the cost of the policy. If the level of insurance you purchase doesn’t cover all costs, you might need to pay the remaining costs out of your own pocket.

HelpInsure.com shows estimated yearly costs of auto insurance for three levels of liability coverage:

Level 1

Insurance agents and forms refer to this level as 30/60/25.
Level 1 coverage

Level 2

Insurance agents and forms refer to this level as 50/100/50.
Level 2 coverage

Level 3

Insurance agents and forms refer to this level as 100/300/100.
Level 1 coverage