What if no company will sell me car insurance?

Texas's insurance department names the plan. If no company will sell you a policy, you can get basic cover through the Texas Automobile Insurance Plan Association, or TAIPA. You qualify once two companies have turned you down [1].

What it does and does not sell matters: • It sells liability, personal injury protection, and uninsured or underinsured motorist cover [1]. • It does not sell collision or comprehensive cover, and it will not sell liability limits higher than the state minimum [1]. • It costs more than cover from other companies [1].

So the plan does not sell cover for damage to your own car [1]. One thing the sources do give you: if you ask, a company must tell you in writing why it turned you down [2]. TAIPA is Texas's plan. Whether your own state has one like it is not in the pages quoted here: "Don't know yet".

What it costs. TDI's page says this cover costs more and does not say how much more, so this answer prints no figure [1].

Read the quoted auto guide at tdi.texas.gov.