Can an 18 year old get their own car insurance in Texas?

Yes, an 18-year-old can get their own car insurance in Texas. At 18, you are considered a legal adult and can enter into contracts, including insurance policies. Here are some key points to consider:

1. Cost: Car insurance rates for an 18-year-old are typically higher than for older drivers because insurance companies consider young drivers to be higher-risk due to their limited driving experience.

2. Requirements: You'll need to provide the necessary information to the insurance company, such as:

   • Driver’s license
   • Vehicle details (make, model, year, VIN)
   • Personal information (address, date of birth, etc.)

3. Policy Options:

   • You can purchase your own standalone policy.
   • Alternatively, you may be able to stay on a parent’s policy, which is often more affordable.

4. Discounts: Look for discounts to reduce premiums, such as:

   • Good student discount (if you have good grades)
   • Safe driving programs
   • Multi-policy discounts (if you bundle car insurance with renters or other insurance)

5. State Minimum Requirements: In Texas, you must meet the minimum liability coverage requirements:

   • $30,000 for bodily injury per person
   • $60,000 for bodily injury per accident
   • $25,000 for property damage

Shopping around and comparing quotes from multiple insurance providers can help you find the best deal for your needs.