Need
New Driver Insurance?

(Car Insurance for Texans Under 25)

We've Got You Covered.

(Enter your address & some quick info about you, and an expert FACT agent - a real person - will get started finding you the best car insurance policies for you at the lowest rates. No spam, & your info goes only to us.)

TX-Raised
Independent Agents That
Shop For You.

If you or a loved one is
between the ages of 16-25,
we may be able to help you
save on car insurance -
while staying protected with the
coverage you need.

Call Today To Speak To An Expert Agent:

Receive Free Quotes From Multiple, Vetted Car Insurance Carriers

We Ask The Questions & Know The Tricks To Help You Save

Explore Coverage & Discounts For New Drivers, Teen Drivers, College Students, & Other Drivers Considered "High Risk" In Texas

Families: Mix & Match Quotes Across Carriers For Multiple Cars & Bundle Multiple Types of Insurance (Home, Motorcycle, Boat, Etc.)

Zero Obligation - Our Only Mission Is To Help You Find The Right Coverage & Save

Car insurance protects you against financial loss if you have an accident. It's a contract between you and the insurance company. You agree to pay the premium, and the insurance company agrees to pay your losses as defined in your policy. Car insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

A car insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why Do You Need Car Insurance?

It's really all about protecting yourself financially.

If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.

Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to Ask Your Agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs.

Here are a few things to consider as you prepare for the discussion:

How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company's level of service and ability to pay claims?
What discounts are available? (Ask about good driver, multiple policy and student discounts.)
What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

We Shop Insurance for You

We can mix and match quotes from multiple carriers for different members of your family or household.

Save time and money searching for coverage for youthful drivers, new drivers, teen drivers, elderly drivers, and drivers with at-fault accidents, speeding tickets, or a DUI / SR-22.

We help clients protect their high value cars including luxury and exotic cars, sports cars and classic cars.

If you driver for Uber, Lyft, or another rideshare company, we can help you add rideshare coverage to your personal policy or purchase a commercial for-hire livery policy.

Our independent agents are experts in helping all kinds of Texans find coverage for all types of vehicles.

Unlike sites programmed to provide free insurance quotes online, we get a real person (an expert agent) on the job. Every. Single Time.

Our quotes are still delivered confidentially, fast and for free. They're just more customized to you, your business, and your family.

You tell us a little about you and what you need, and we get going. And if we know we can't find you better coverage and rates than you already have, we'll send you on your way.

Your Personal Insurance Consultant

You get a direct line to your own insurance consultant: a real person who loves what they do and will communicate with you how you like, whether by email, phone or text.

Their goal: to learn about your needs, help you save money & time, manage your claims, & present you with policies that give you the best coverage at the lowest rates. Now, and as you grow. Services are custom, unbiased, free, and only for Texans.

Free Quotes for Every Scenario

Finding the right insurance can be confusing and complicated. Even car insurance. Every one is different.

Whether you're shopping insurance for a new driver, a high risk driver, your entire family, your business, your beloved 20 year old Honda, or your new luxury car, we can quote plans from multiple carriers to create a custom insurance package specific to you.

One-Stop Insurance Shop

We sell pretty much every kind of insurance except for health insurance. That means we can help shop for and manage your car, home, life, and business insurance. That way, when life happens and you need to file a claim in any of these arenas, you can always call your one trusted FACT insurance guy or gal for advice and assistance.

We only partner with carefully selected insurance carriers we respect and trust to fulfill their promises and provide the coverage our clients need.

Our insurance company partners have policies designed to cover residents and businesses throughout the state of Texas.

We know Texas insurance. We're licensed, independent agents who have studied and sold insurance in Texas for over 20 years. Additionally, we've worked with thousands of clients, and have worked to get to know each and every one.

Request Custom Quotes

Fill out the below form and we'll start compiling your personalized quotes. Then, we'll contact you.

Get Instant Quotes Online

*Instant Quotes are estimates and may not reflect your final or lowest possible rates. To utilize our agents' shopping expertise, request a custom quote or call us directly.

Our Auto Policy Carriers

(Including, but not limited to.)

Our services are free. Our goal is to help you find the Goldilocks of plans: no more and no less than you need.

We've helped Texans find and get the most out of their insurance policies for over 20 years. Our reviews on Google average 4.8 out of 5 stars, which we believe is a reflection of our policy to always put our clients first.

1000s of happy clients

Team of strong professionals

We're a small business of licensed, independent agents who continuously work to stay up-to-date on insurance best practices, carriers, and regulations in Texas.

The best in the business

Need
New Driver Insurance?

(Car Insurance for Texans Under 25)

TX-Raised
Independent Agents That
Shop For You.