Bodily Injury Liability
Pays for injuries you cause to another driver, their passengers, or a pedestrian, up to your policy limit.
Auto Insurance · Garland & DFW, TX
Auto insurance that says yes
Liability, full coverage, SR-22 filing, and no-license options — with bilingual agents and same-day proof of insurance.
- Same-Day SR-22 Filing
- Se Habla Español
- Payments from $28/mo
- Licensed in Texas
Find the Best Price & Coverage Today
Enter your ZIP code and get a free auto insurance quote in minutes.
Coverage Options Through Trusted Carriers
What's Covered
What Auto Insurance Covers
A quick look at the six coverage types that make up most auto policies.
Property Damage Liability
Covers damage you cause to someone else's vehicle, fence, or other property.
Personal Injury Protection
Pays medical expenses for you and your passengers, regardless of who caused the accident.
Uninsured/Underinsured Motorist
Protects you if you're hit by a driver with little or no insurance of their own.
Collision Coverage
Pays to repair or replace your car after an accident, regardless of fault.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and other non-collision events.
Understanding Coverage
How Auto Insurance Works
Auto insurance is a contract between you and an insurance company: you pay a premium, and in exchange, the insurer agrees to cover specific costs after an accident, theft, or other covered event, up to the limits of your policy. In Texas, drivers are legally required to carry at least liability coverage before getting behind the wheel.
When something happens, you file a claim with your insurer, who reviews it and pays out according to your policy's coverage and limits. The type and amount of coverage you carry determines what's protected, and what you'd be responsible for out of pocket.
Our Coverage
Auto Coverage Options at Zuro
Whatever your driving history looks like, we have a policy built for it.
Get My Free QuoteLiability-Only Coverage
Meet Texas's minimum requirements at the lowest possible rate.
Full Coverage
Comprehensive and collision protection for newer or financed vehicles.
SR-22 & SR-22A Filing
Fast, accurate filings to reinstate your license, often same day.
No License Required
Named-driver and non-owner policies for drivers without a valid U.S. license.
Be Prepared
What to Do After a Car Accident in Texas
Accidents are stressful — knowing these steps ahead of time makes the process faster and protects your claim.
Check for injuries & move to safety
Check yourself and others for injuries first, then move vehicles out of traffic if it's safe to do so.
Call the police
In Texas, you're required to report accidents involving injury, death, or significant property damage. A police report helps your claim.
Exchange information
Get the other driver's name, phone number, license plate, and insurance details — and share yours.
Document the scene
Take photos of all vehicles, damage, license plates, and the surrounding area before anything is moved, if possible.
Avoid admitting fault
Stick to the facts with police and other drivers — let the claims process determine fault.
Call Zuro right away
Call (972) 656-0271 and we'll walk you through filing your claim and getting your vehicle taken care of.
Buyer's Guide
How to Choose the Right Coverage
Five things worth thinking through before you buy — or just call us and we'll walk you through it.
Know Texas's minimum requirements
Texas law requires liability coverage of at least $30,000/$60,000 for bodily injury and $25,000 for property damage.
Consider your vehicle's value
Older or paid-off vehicles may only need liability; financed or newer cars typically require full coverage.
Factor in your driving history
DUIs, tickets, or a lapse in coverage often require an SR-22 filing before you can legally drive again.
Decide on your deductible
A higher deductible lowers your monthly premium but raises what you'd pay out of pocket after a claim.
Talk to a licensed agent
The only way to know your real rate is a personalized quote based on your actual situation.
Lower Your Rate
Ways to Get a Better Price on Auto Insurance
Simple, real ways to bring your premium down without giving up the coverage you need.
Bundle your policies
Combine auto with home, renters, or commercial coverage with Zuro for a lower combined rate.
Choose the right deductible
A higher deductible can meaningfully lower your monthly premium if you can cover it out of pocket.
Keep continuous coverage
A lapse in coverage often raises your rate — staying continuously insured keeps it down.
Ask about payment plan discounts
Paying in full or setting up autopay can qualify you for a lower rate with certain carriers.
Review your coverage yearly
As your vehicle ages or your driving record improves, your ideal coverage — and rate — can change.
Compare with a local agent
A real agent can shop multiple carriers for you instead of locking you into one company's rate.
Pricing
How Much Does Auto Insurance Cost in Texas?
Rates vary widely from driver to driver — there's no single "average" that applies to everyone. Your rate depends on your driving record, the vehicle you drive, the coverage you choose, and where you live. Many Zuro customers get started with payments as low as $28/month, with flexible plans built around what you can actually afford.
Get My Free QuoteDriving record & claims history
Vehicle type, age & value
Coverage level & deductible
Where you live and park your car
Whether you need an SR-22 filing
Your down payment & payment plan
Why Zuro
Why Drivers Choose Zuro
We built Zuro for drivers other insurers turn away — with real agents who treat you like a neighbor, not a risk score.
Get My Free QuoteSame-day SR-22 filing
We file with the state fast so you can get back on the road.
Bilingual agents, English & Español
Every agent speaks both languages fluently — no translation apps needed.
No SSN or license required
We accept alternative identification for most policies.
Payment plans from $28/month
Flexible down payments and monthly plans that fit your budget.
Licensed & bonded in Texas
Fully compliant with Texas Department of Insurance regulations.
Real local agents across DFW
Walk into an office near you — we're not a call center.
Reviews
Trusted Across Dallas-Fort Worth
"Zuro got me my SR-22 the same afternoon. The agent explained everything in Spanish and English — made it so easy."
FAQ
Auto Insurance Questions
An SR-22 is a certificate of financial responsibility your insurer files with the state on your behalf. It's typically required after a DUI, driving without insurance, or certain license suspensions. We can usually file it the same day.
Liability-only covers damage and injuries you cause to others — it's the minimum required by Texas law. Full coverage adds collision and comprehensive protection for your own vehicle, which is often required if you're financing or leasing your car.
Yes. We offer named-driver and non-owner policies designed for drivers without a valid U.S. license.
Yes. If you drive occasionally but don't own a vehicle, a non-owner policy can provide the liability coverage you need — and it can also satisfy an SR-22 filing requirement.
Most customers walk away with proof of insurance in 20 minutes or less, in person or online.
Check for injuries, move to safety if you can, call the police, exchange information with the other driver, take photos of the scene, and call Zuro at (972) 656-0271 so we can start your claim right away.
It depends on the claim and your policy. Not every claim raises your rate, and our agents can walk you through what to expect for your specific situation before you decide whether to file.
Bundling policies, choosing a higher deductible, keeping continuous coverage, and comparing options with a local agent are the most effective ways to bring your rate down without sacrificing coverage.
Ready to Get Auto Coverage Today?
Talk to a real agent in English or Español — no pressure, no judgment.