Car Insurance in Texas
Texas drivers are required to carry liability car insurance of at least 30/60/25 to legally drive in the state. This covers injuries and property damage you cause to others — it does not pay for your own vehicle.
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Texas at a glance
Data as of 2023Average cost
$1,429/yr
≈ $119/mo
vs U.S. average
+11%
above the national avg of $1,282/yr
Required minimums
30/60/25
BI / BI per accident / PD ($K)
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Texas drivers are required to carry liability car insurance of at least 30/60/25 to legally drive in the state. This covers injuries and property damage you cause to others — it does not pay for your own vehicle.
Texas follows an at-fault system, so if you cause a crash your liability coverage pays the other party. Because rates vary widely between carriers in Texas, comparing several quotes is the fastest way to find an affordable policy that meets the requirement.
Texas minimum car insurance requirements
Texas requires $30,000 of bodily injury liability per person, $60,000 per accident, and $25,000 in property damage liability. Drivers who finance or lease a vehicle are typically also required by their lender to carry collision and comprehensive coverage.
Commonly referred to as 30/60/25.
How much does car insurance cost in Texas?
The average driver in Texas pays $1,429 per year for auto insurance — that's 11% above the U.S. national average of $1,282/yr. Higher-than-average rates often reflect denser traffic, higher claim severity, or stricter state coverage requirements.
Texas vs the national average
11% above the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Texas premiums have changed since 2019
Auto insurance costs in Texas have risen 25% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Texas vs national average
Texas is up 25% from $1,144 in 2019 to $1,429 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Texas policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Texas
Driving uninsured in Texas can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. If you cause an accident while uninsured, you can also be held personally responsible for the other party's injuries and damage. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Texas
Rates for the same driver can vary widely between insurers in Texas, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 28, 2026. Always confirm current minimums with your state’s Department of Insurance.
Texas car insurance FAQs
Common questions about auto insurance in Texas
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