Not only does your vehicle get you from point A to point B, it’s also a big investment - and a reflection of your personality. Keep your vehicle, yourself and your loved ones protected with an auto insurance policy that addresses your individual needs and budget.


  • Personal Auto

    Auto insurance isn’t only great protection for your vehicle, it’s also the law.

    It’s important that your policy meets your state’s requirements - and no one knows Texas auto insurance laws better than Germania, serving the Lone Star state for more than 100 years. Beyond the legal mandates, carrying car insurance is a smart decision. Protect yourself, your loved ones and and your assets in the aftermath of an auto-related situation.

  • Recreational Vehicle

    If you enjoy traveling the country, seeing the sights and taking in the great outdoors, there’s a good chance you own a recreational vehicle.

    It’s an important part of the journey to whatever destination your adventure takes you to. Protect your recreational vehicle, yourself, your loved ones and your assets. Germania Insurance offers coverage for your motorhome, travel trailer or horse trailer with living quarters when added to a Germania Personal Auto Policy.

  • Roadside Assistance

    Whether you’re driving across town or across the country, Germania’s Roadside Assistance Coverage protects you while you’re on the road.

    This optional coverage is available to Germania Auto policyholders for a nominal premium. Call your local agent today to have Roadside Assistance added to your Auto policy. Roadside Assistance includes travel and car care discounts, too. With Germania Insurance, we’ll worry about the risks, while you enjoy the ride.

    Types of Auto Insurance Coverage

    • Liability coverage pays for bodily injury and property damage to another that results from covered losses you cause.
    • Collision coverage can help repair your vehicle if it’s damaged — or compensate you for its value if it’s a total loss.
    • Comprehensive coverage can help when your car is damaged by something other than a collision.
    • Uninsured motorist coverage covers the medical costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance.

Discounts that can reduce the cost of your auto insurance:

  • Academic achievement
  • Advanced quote
  • Multi-car
  • Anti-lock brakes
  • Defensive driving
  • Claims free
  • Driver training
  • Passive restraint
  • Anti-theft
  • Companion policy
  • Homeownership
  • Drug & alcohol defensive driving
  • New vehicle
  • Renewal
  • Student at school

Roadside Assistance Benefits:

  • Towing for a disabled vehicle
  • Minor on-site labor for mechanical or electrical breakdown
  • Battery failure
  • Insufficient supply of fuel, oil, water or other fluid
  • Flat tire
  • Entrapment in snow, mud, water or sand
  • Map services
  • Lock out
  • Theft and hit & run protection
  • Travel discounts