Get the Coverage You Need, The Savings You Want
Auto insurance isn’t just a requirement—it’s your financial safety net on Texas roads. Broken Spoke Insurance makes it easy to protect your car, your wallet, and your peace of mind. As an independent agent, we compare rates from leading insurers to find the best value for you, so you’re never stuck with a one-size-fits-all policy or overpaying for coverage you don’t need.
Texas Auto Insurance Basics
Minimum State Requirements:
- $30,000 for bodily injury per person
- $60,000 per accident
- $25,000 for property damage (30/60/25)
Most Texans choose higher limits for true protection.
Types of Coverage:
Liability – Required. Covers injuries and damage you cause to others.
Collision & Comprehensive – Pays for damage to your car from accidents, hail, deer, theft, vandalism, and more.
Uninsured/Underinsured Motorist – Protects you if the at-fault driver has little or no insurance.
Medical Payments/PIP – Helps with medical bills, regardless of fault.
Extras: Roadside assistance, rental reimbursement, glass coverage, and more.
We insure all types—cars, trucks, SUVs, and specialty vehicles.
Common Ways to Save on Car Insurance
Bundle auto and home for up to 20% savings
Increase deductibles for a lower premium
Maintain a clean driving record
Complete safe driver or defensive driving courses
Qualify for student or multi-car discounts
Let us re-shop your policy every year—rates change, and we’re proactive
Why Use an Independent Agent for Auto Insurance?
Choice
We shop multiple carriers—no bias, just your best options
Local Support
Fast help from real people, not a 1-800 line
Claims Help
If you have an accident, we’re your advocate with the insurer
Coverage Adjustments
Add new drivers, swap cars, or update coverage anytime with a call or click
What to Expect From This Service
We start by reviewing your vehicles, driving history, and coverage needs. Next, we check rates from our carrier network and find every discount you qualify for. You choose the policy that fits best—then we handle setup and paperwork. When life changes or a claim happens, we’re right here to help.
Frequently Asked Questions
What auto insurance is required in Texas?
At least 30/60/25 liability, but higher limits are strongly recommended for real protection.
Can I get cheaper car insurance with Broken Spoke?
Yes! We shop many carriers, maximize discounts, and review your policy every year to keep costs down.
Why not just use an online quote site?
With us, you get expert guidance, personal service, and a single contact for all your policies and claims.
Does Broken Spoke offer car insurance quotes?
Absolutely—call or request a quote online and compare offers in minutes.
What if I have a claim?
We guide you through the process and help you get fair treatment from the insurer.
Drive Confidently—Get a Fast, Easy Quote
Whether you’re in Amarillo, Lubbock, Midland, Abilene, San Antonio, or anywhere in Texas, let Broken Spoke Insurance make car insurance simple and stress-free. Get started today and see how much you could save.