Liability Car Insurance in Texas
Numbers refreshed
Texas's cheapest legal policy: its cost and what it leaves out.
- $74.Average monthly cost for liability.
- 30/60/25.Lowest liability limits.
- Ranked 6th of 51 on the most expensive state list (1st = highest).
Liability costs in Texas
In Texas, liability-only car insurance costs an average of $893 a year, or about $74 a month. For liability coverage, Texas ranks as the 13th most expensive state.
| 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).
What you still pay under the minimum
Texas requires liability of at least 30/60/25: $30,000 for each injured person, $60,000 for all injuries from a single crash, and $25,000 for harm to other people's property.
Other people receive payment through liability coverage. You pay for repairs to your own car unless you add collision coverage.
Any amount above your limits after a crash can be claimed against you. Limits set higher usually cost far less than the extra protection they provide.
Learn more about car insurance in Texas
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