Texas Car Insurance
Texas's minimum requirements, average cost, and a free premium estimate — no signup, no quote spam.
Minimum liability
30/60/25
Avg. full coverage
$2,100/yr
Liability system
at-fault
Estimate your Texas premium
Estimated annual premium
$1,380
Estimate uses national-average factors. Real quotes vary 30-50% across carriers — always compare 3+.
Texas car insurance requirements
Texas requires 30/60/25 liability (the "30/60/25 rule") and verifies coverage through the TexasSure database.
Those are only the legal minimums. Minimum liability often isn't enough to cover a serious crash, so many drivers carry higher limits plus collision and comprehensive — especially on a newer or financed vehicle.
Texas car insurance FAQ
What is the minimum car insurance required in Texas?
Texas requires at least 30/60/25 in liability coverage — that's $30k bodily injury per person, $60k per accident, and $25k property damage. Texas requires 30/60/25 liability (the "30/60/25 rule") and verifies coverage through the TexasSure database.
How much does car insurance cost in Texas?
Full-coverage car insurance in Texas averages roughly $2,100 per year, but your rate depends heavily on age, driving record, vehicle, and ZIP code. Use the estimator above and always compare at least three carriers.
Is Texas a no-fault state?
Texas is an at-fault (tort) state. The driver who causes a crash is responsible for the resulting damages.
Why is car insurance priced the way it is in Texas?
Texas averages about $2,100/yr — roughly mid-pack. Your own rate swings far more on age, record, credit (where allowed), vehicle, and ZIP than on the state average, so always compare quotes.
What's the cheapest way to insure a car in Texas?
Carry at least the 30/60/25 legal minimum, then lower cost by comparing 3+ carriers, bundling policies, raising your deductible, asking about low-mileage and safe-driver discounts, and keeping your credit healthy. Dropping collision/comprehensive only makes sense on an older, paid-off car.