Auto Insurance
in Texas
Bunkley Insurance Group provides auto insurance coverage for drivers across Texas, based right here in Austin.
Auto insurance can help protect you, your passengers, and your finances when accidents, theft, weather, or other unexpected events affect your vehicle. We help Texas drivers choose coverage based on their vehicle, driving situation, and budget.
Texas Proud.
Real People.
Protection.
Protection
Comprehensive
Underinsured
Coverage
Hi, I'm Richard Bunkley
I'm an exclusive insurance agent based in Austin, helping Texas drivers find the right coverage for their vehicle, family, and future.
My goal is simple: make insurance easier to understand and help you feel confident about the protection you choose.
What Our Auto Policies Can Cover
Coverage options designed to help protect you, your vehicle, your passengers, and your finances.
Bodily Injury Liability
Helps pay for injuries and related losses you cause to another person in an accident, subject to your policy limits and terms.
Property Damage Liability
Helps pay for damage your vehicle causes to another person's vehicle or property.
Uninsured & Underinsured Motorist
Can help protect you and your passengers if you're hit by a driver who has little or no insurance.
Collision Coverage
Helps pay to repair or replace your vehicle after a covered collision, subject to your deductible and policy terms.
Comprehensive Coverage
Helps cover damage from events other than a collision, such as theft, fire, certain weather events, or hitting an animal.
New Car Replacement
Available coverage may help replace a qualifying newer vehicle after a covered total loss, subject to eligibility and policy terms.
Loan / Lease Gap Coverage
Can help cover the difference between what you owe on a vehicle and its actual cash value after a covered total loss, subject to policy terms.
What Auto Insurance Is Required in Texas?
Texas generally requires drivers to maintain minimum liability insurance that helps pay for injuries and property damage they cause in an accident.
Texas minimum requirements may not provide enough protection for every driver or situation. We can help you understand your options and choose limits that fit your needs.
Bodily Injury Liability
Helps pay for injuries and related losses you cause to other people in an accident, subject to your selected limits.
Property Damage Liability
Helps pay for damage your vehicle causes to another person's vehicle or property, subject to your selected limits.
Understanding "Full Coverage"
"Full coverage" isn't an official insurance term. It generally refers to a policy that includes liability, comprehensive, and collision coverage.
Comprehensive & Collision
These coverages can help pay for repairs to your vehicle after covered losses such as crashes, theft, certain weather events, or hitting an animal.
Your Cost Depends on Several Factors
Auto insurance rates can vary based on your location, vehicle, driving record, coverage limits, deductibles, and other rating factors.
Compare the Same Coverage
When comparing quotes, make sure coverage limits, deductibles, and options are as similar as possible.
Additional Auto Insurance Coverage Options
Beyond the basics, available coverage options can be tailored to your vehicle and driving situation.
Medical Payments Coverage
Helps pay qualifying medical expenses for you and others injured in your vehicle, subject to policy terms and limits.
Personal Injury Protection (PIP)
Can help cover qualifying medical expenses, lost wages, and related costs following an accident.
Rideshare & Delivery Coverage
Can help address coverage gaps between a personal auto policy and coverage provided through rideshare or delivery platforms.
Custom Equipment Coverage
Can cover qualifying aftermarket equipment such as custom sound systems, rims, lighting, or other modifications.
Transportation Expense Coverage
Helps with qualifying rental car or transportation expenses while your vehicle is being repaired after a covered claim.
Personal Effects Coverage
Can help cover qualifying personal items damaged or stolen from your vehicle, subject to policy terms.
Accident Forgiveness
Available coverage may help protect against a rate increase following a qualifying first at-fault accident, subject to eligibility.
New Car Replacement
Can provide additional protection for qualifying newer vehicles following a covered total loss, subject to policy terms and eligibility.
Lower Your Overall Insurance Costs
We can help you look for available discounts and coverage combinations that may reduce your overall insurance cost.
Auto Insurance Questions
Straightforward answers to common questions about auto insurance in Texas.
What auto insurance coverage is required in Texas?
Texas generally requires drivers to maintain minimum liability insurance that helps pay for injuries and property damage they cause in an accident. Higher limits and additional coverage may provide more protection depending on your situation.
Does Bunkley Insurance Group offer auto insurance outside of Austin?
Yes. Bunkley Insurance Group is based in Austin and serves drivers throughout Texas.
What's the difference between liability and full coverage?
Liability coverage helps pay for injuries or property damage you cause to others. "Full coverage" isn't an official insurance term, but it generally refers to liability coverage combined with comprehensive and collision coverage for your own vehicle.
How fast can I get an auto insurance quote?
Many auto insurance quotes can be completed in just a few minutes once the necessary information is available. Call (512) 900-9505 or use our online quote form to get started.
How much does car insurance cost in Texas?
Auto insurance costs vary based on factors such as your driving record, vehicle, location, coverage limits, deductibles, and other rating factors. Contact us for a personalized quote based on your specific situation.
Can I bundle auto insurance with other policies?
Yes. Bundling auto insurance with home, renters, or other eligible policies can often help lower your overall insurance cost.
Is it better to insure multiple vehicles on one policy?
In many cases, putting multiple vehicles on the same policy can provide better overall pricing than splitting vehicles between different insurance policies. Actual rates depend on your vehicles, drivers, coverage, and other factors.
Does comprehensive insurance cover theft?
Generally, comprehensive coverage can help pay for damage or loss resulting from theft, subject to the terms, conditions, deductible, and limits of the applicable policy.
Does collision insurance cover an accident?
Collision coverage can help pay to repair or replace your vehicle after a covered collision, subject to your deductible and policy terms.
Do I need uninsured motorist coverage in Texas?
Uninsured and underinsured motorist coverage can provide important protection if you're involved in an accident with a driver who has no insurance or doesn't have enough insurance to cover your losses. Availability and how coverage applies depend on the policy.
Ready to Get Covered?
Get a free, no-pressure auto insurance quote today.