Car Insurance in Texas
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The legal minimum, what drivers in Texas pay, and who is cheapest.
- $160.average monthly cost for full coverage.
- 30/60/25.the minimum liability limits required.
- 6th of 51.costs here beat all but five other states (1st = highest).
Texas car insurance costs
Drivers in Texas who carry full coverage pay an average of $1,917 each year, or about $160 monthly. Policies with only the legal minimum cost an average of $893 annually. That runs 19% higher than the US average, which is $1,613 a year.
| Coverage in Texas | Per year | Per month |
|---|---|---|
| Liability | $893 | $74 |
| Collision | $569 | $47 |
| Comprehensive | $455 | $38 |
| Full coverage (all three) | $1,917 | $160 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Legal minimum coverage in Texas
Drivers in Texas must have at least 30/60/25 liability coverage. Each injured person has a $30,000 limit. A single crash has a $60,000 limit for everyone hurt, while $25,000 covers damage to other people's property.
Texas uses an at-fault rule. A driver responsible for a crash pays through their liability cover.
Drivers aren't required to have uninsured motorist coverage, though insurers must offer it in most states.
Source: Texas Department of Insurance, Auto Insurance Guide.
Lowest-cost insurers in the Texas rate guide
Single female, age 25 to 64, no violations, average credit, car, mostly for going to work (18,000 mi/yr), 30/60/25 liability only. The prices are yearly premiums from the comparison guide published by the state.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Farmers Insurance | $450 | $38 |
| 2 | GEICO | $520 | $43 |
| 3 | GEICO | $528 | $44 |
| 4 | GEICO | $541 | $45 |
| 5 | Progressive | $651 | $54 |
Source: HelpInsure.com Auto FAQ (TDI).
How many Texas drivers are uninsured?
In 2023, about 14% of Texas drivers had no car insurance. This was the 19th highest rate among the 51. If an uninsured driver hits you, uninsured motorist coverage pays your bills.
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