Is Texas Auto Insurance Going Up in 2026? Here’s What Euless Drivers Should Expect

2026 is shaping up to be another year where being informed and proactive about auto insurance matters. While every driver’s situation is different, there are some trends around coverage and pricing that drivers in Euless, TX can expect in the new year.

What Coverage Will Drivers Need?

Texas law will still require you to carry at least the minimum amount of liability limits in 2026. This can help you pay for injuries and property damage you cause others in an accident you’re found at fault. However, we recommend purchasing higher limits to reduce potential out-of-pocket costs after an accident.

Drivers may also want to prioritize the following coverage:

• Uninsured/underinsured motorist coverage: This can cover your losses if you’re hit by an at-fault motorist with too little or no insurance.
• Personal injury protection (PIP) coverage: This can cover your medical bills and lost wages if you’re injured in an accident, regardless of fault.
• Roadside assistance coverage: This can help pay for necessary expenses if your vehicle breaks down on the road.

Are Premiums Going to Rise?

There may be a continued upward pressure on premiums in 2026. Key factors include:

• Higher repair and replacement costs due to advanced vehicle technology, parts and labor expenses.
• Medical inflation
• More severe weather events
• Higher traffic volume and claims frequency

Insurers can use detailed pricing models, which means your rate may depend on factors such as driving record, mileage, vehicle type, credit-based insurance scores, prior insurance history and location.

How Can You Prepare for 2026?

Consider the following auto insurance tips:

• Review your limits and deductibles before renewal.
• Ask about telematics or usagebased programs that reward safe driving.
• Bundle auto with home or renters insurance.
• Compare quotes with a trusted local agent who understands local risks.

Contact 777 Insurance Agency LLC for a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.