12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Cheapest recent rates in Texas
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $54/mo for full coverage in Texas.
*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on March 14, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on March 14, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Founded in 1841 as a small trading post, Dallas is now the ninth-largest U.S. city. The city’s population density may help explain its relatively high overall average insurance cost of $207 per month. Drivers in bigger cities with higher population densities face increased risks of car accidents.
The average cost of insurance in the Lone Star State is $184 per month, which is lower than Dallas rates and higher than the national average cost of $157.
Even though rates in Dallas — and the rest of Texas — are relatively high, you can help lower your car insurance costs by comparing quotes from multiple insurers. Here’s what you need to know about finding the cheapest rates in Dallas.
Quick Facts
State Farm, GEICO, and Mile Auto have the cheapest average liability rates in Dallas.
Texas insurers can consider your credit-based insurance score when determining car insurance premiums.
On average, Dallas drivers pay $138 per month for liability coverage and $277 for full coverage.
Cheapest car insurance companies in Dallas
The best auto insurance company for you depends on your financial situation and insurance needs. Each insurer uses different criteria to set rates. Factors like your gender, marital status, ZIP code, driving history, and credit history go into these calculations.[1] Even if multiple insurers use similar rating factors, the weights applied to them can vary by insurer.
Dallas drivers need to compare quotes from several insurance companies to find the best coverage at the right price. The following three insurers offer some of the best coverage in Dallas at an affordable price. The quotes provided below reflect average costs in the state of Texas.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$72/mo
Founded in 1922, State Farm is the largest auto insurance company in the United States by market share. The company offers multiple ways to save through a robust list of discounts and the ability to customize coverage types, making it one of the best and most inexpensive options for drivers.
Additionally, State Farm ranked second in customer satisfaction in Texas in the 2023 J.D. Power U.S. Auto Insurance Study and earned an A++ (Superior) financial strength rating from AM Best, the highest level possible.
Pros
High J.D. Power customer satisfaction rating
Rideshare insurance available
Cons
Gap insurance not available
May not be the cheapest choice for drivers with violations or accidents
I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$48/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$79/mo
Established in 1936, GEICO is another one of the largest companies in the auto insurance industry. The company has a reputation for discounts and a variety of coverage offerings.
GEICO offers a number of discounts related to vehicle equipment, driving history and habits, education, affiliations, customer loyalty, and more. Ideally, you can use multiple discounts to maximize your savings.
Pros
At least 16 available discounts
Award-winning mobile phone app and website
Cons
Below-average J.D. Power customer satisfaction rating in Texas
Limited local insurance agents
Everything good except the price.
RAY - December 4, 2023
Verified
I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.
Elizabeth - December 3, 2023
Verified
I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$78/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$129/mo
Founded in 1922 when 25 Army officers joined together to insure each other’s automobiles, USAA is still offering car insurance to active-duty military members, veterans, and their families more than 100 years later.
Around 130,000 veterans live in Dallas County, making USAA a great insurance company option for a portion of the Dallas population.
Pros
A++ (Superior) financial strength rating from AM Best
Offers usage-based auto insurance
Cons
Only available to active-duty military, veterans, and their family members
Doesn’t have 24/7 customer service
They have stopped thinking about how today's financial strain is impacting their customers.
Darcy - November 26, 2023
Verified
Not satisfied with price hike even after lowering coverage.
The cheapest car insurance in Dallas will look different for each driver because insurers use a number of different factors to set premium rates. It’s important to get quotes and compare rates from multiple insurance companies to find the cheapest insurance for you.
In addition to shopping around, these strategies can also help you find the cheapest car insurance in Dallas:
Adjust your coverage levels. You can make a number of tweaks to your insurance policy to reduce your costs, such as increasing your comprehensive or collision deductibles, dropping collision or comprehensive coverage, or decreasing your coverage limits. Just make sure you don’t lower your coverage so much that you can’t afford to cover the out-of-pocket costs after an accident.
Improve your credit score. Insurance companies in Texas can use your credit history as a factor in setting your rates. Improving your credit will save you money on car insurance, and it can improve your finances in general.
Cheapest liability-only car insurance in Dallas: State Farm
If you cause a car accident, liability car insurance will pay for the other party’s vehicle damage and medical expenses stemming from the accident. However, liability-only coverage doesn’t pay to repair or replace your vehicle. This coverage can work as an inexpensive option for budget-minded drivers, but it could cost more in the long run if you cause an accident.[2]
The cheapest insurer for liability-only car insurance in Dallas is State Farm, with an average monthly cost of $43. This is significantly less expensive than the average monthly cost of $138 for this coverage in Dallas. Find additional cheap liability-only coverage options for Dallas drivers below.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
43
GEICO
48
Mile Auto
58
Hugo
60
Allstate
61
USAA
78
Safeco
92
Nationwide
104
Mercury
106
Midvale Home & Auto
110
Progressive
110
Clearcover
118
Dairyland
118
Chubb
132
National General
136
Liberty Mutual
141
Elephant
143
Commonwealth Casualty
146
Direct Auto
150
21st Century
153
GAINSCO
166
The General
166
Bristol West
183
State Auto
197
AssuranceAmerica
206
Infinity
207
Foremost
242
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Dallas: State Farm
Drivers in Dallas may want to consider full-coverage car insurance since it provides more protection than liability-only coverage. In particular, full-coverage insurance includes collision coverage, which pays for damage to your car if you cause an accident, and comprehensive coverage, which kicks in for vehicle damage from non-collision incidents, like fire, theft, and weather hazards.
Lenders may require you to purchase full-coverage insurance if you have an auto loan or lease your car. The average monthly cost of full-coverage insurance is $277 in Dallas.
Here are several insurers that offer the cheapest full-coverage car insurance options in Dallas.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
72
GEICO
79
Allstate
102
Mile Auto
115
USAA
129
Clearcover
156
Hugo
163
Mercury
170
Nationwide
183
Travelers
184
Progressive
195
Midvale Home & Auto
197
Safeco
198
Chubb
219
Elephant
230
21st Century
253
AssuranceAmerica
269
Direct Auto
287
Liberty Mutual
288
Dairyland
296
National General
302
Infinity
314
The General
337
Bristol West
339
GAINSCO
361
State Auto
362
Commonwealth Casualty
372
Foremost
482
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Texas
Texas is an at-fault state, which means the at-fault driver is responsible for covering the other party’s vehicle damages and medical costs.[3]
Texas requires all drivers to purchase minimum amounts of bodily injury and property damage liability coverage. To legally drive in the state, you need to purchase the following minimum coverages:[4]
Texas drivers don’t need to carry more than the above minimum requirements, but you should consider increasing these coverage amounts and types in case of a serious accident. Dallas drivers may want to consider the following optional coverages for more vehicle protection:
Personal injury protection (PIP) coverage
All auto insurance policies in Texas automatically include PIP, but you can opt out of it with a written request. This kind of insurance pays for your and your passengers’ medical bills and some other expenses following an accident.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist’s coveragekicks in if you have an accident with an uninsured or underinsured driver. It also covers hit-and-run accidents. As with PIP coverage, all insurance policies in Texas must offer this kind of coverage, and you have to make your opt-out request in writing.
Collision coverage
Collision coverage pays to repair or replace your vehicle following a collision with another vehicle or object, like a tree or light pole, regardless of fault. Collision also covers rollover accidents and pothole damage.
Comprehensive coverage
Comprehensive coverage will pay to repair or replace your vehicle following damage from a non-collision incident, such as a storm, theft, vandalism or fire.
Cheapest car insurance for drivers with an incident
Drivers with a clean record typically pay the lowest insurance rates. If you have a past incident on your driving record — such as an at-fault accident, speeding ticket, DWI, or other moving violation — you can expect higher insurance premiums.
On average, Dallas drivers with a past incident pay $281 per month for car insurance. The severity and frequency of your violations will also influence how much you pay for car insurance. Here’s how different incidents may affect your insurance rates and where you can look for affordable insurance even with a spotty driving record.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding can have some serious consequences. In 2020, 37% of traffic deaths in Texas were speed-related, according to data from the National Highway Traffic Safety Administration (NHTSA).[5] The dangers associated with speeding explain why insurers may charge drivers more for coverage if they have a ticket.
The average cost of car insurance for Dallas drivers with a past speeding ticket is $291 per month. Compare average quotes from different insurers below.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
43
54
GEICO
48
61
Mile Auto
58
84
Hugo
60
84
Allstate
61
78
USAA
78
99
Safeco
92
129
Nationwide
104
134
Mercury
106
156
Progressive
110
146
Clearcover
118
163
Dairyland
118
155
Chubb
132
171
National General
136
174
Liberty Mutual
141
193
Elephant
143
184
Commonwealth Casualty
146
181
Direct Auto
150
198
21st Century
153
203
GAINSCO
166
206
The General
166
219
Bristol West
183
237
AssuranceAmerica
206
282
Infinity
207
274
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you have an at-fault accident on your record, it’s likely that insurance companies will view you as a higher risk than drivers with no accidents. Depending on the severity and circumstances of the accident and your driving history, your insurer may increase your premiums or even drop you after an at-fault accident. However, accident forgiveness coverage could help hold your rates steady after your first at-fault accident. You'll generally need to have a clean driving record for three to five years to be eligible to buy this type of coverage.
Finding affordable insurance after an at-fault accident isn’t impossible. Dallas drivers with a past accident pay an average of $309 per month for coverage.
Here are average liability-only quotes from several insurers for drivers with an at-fault accident.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
43
58
GEICO
48
65
Mile Auto
58
90
Hugo
60
82
Allstate
61
83
USAA
78
106
Safeco
92
137
Nationwide
104
143
Mercury
106
165
Progressive
110
156
Clearcover
118
190
Dairyland
118
164
Chubb
132
181
National General
136
188
Liberty Mutual
141
206
Elephant
143
197
Commonwealth Casualty
146
200
Direct Auto
150
212
21st Century
153
215
GAINSCO
166
222
The General
166
233
Bristol West
183
248
State Auto
197
294
AssuranceAmerica
206
295
Infinity
207
274
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DWI: State Farm
Driving under the influence, which is called “driving while intoxicated” (DWI) in Texas, is a serious traffic offense that comes with some major penalties. A first DWI offense in Texas comes with a fine of up to $2,000, up to 180 days in jail, and the loss of your driver’s license for up to a year. These penalties increase for subsequent offenses.[6]
In Texas, a DWI can stay on your record permanently. Drivers who have a past DWI may struggle to find affordable car insurance, but several insurance companies offer coverage for drivers with a DWI conviction. The average cost of car insurance for a Dallas driver with a past DWI is $350.
Compare average liability quotes from the following insurers that offer coverage to drivers with a DWI.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DWI
State Farm
43
70
GEICO
48
78
Mile Auto
58
94
Hugo
60
91
Allstate
61
99
USAA
78
126
Safeco
92
149
Nationwide
104
169
Mercury
106
176
Progressive
110
178
Clearcover
118
191
Dairyland
118
191
Chubb
132
214
National General
136
220
Liberty Mutual
141
229
Elephant
143
232
Commonwealth Casualty
146
214
Direct Auto
150
243
21st Century
153
248
GAINSCO
166
269
The General
166
269
Bristol West
183
297
State Auto
197
319
AssuranceAmerica
206
334
Infinity
207
336
Foremost
242
392
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Your age affects how much you pay for car insurance. Older drivers tend to pay less for their car insurance than young drivers due to safer driving habits. In most cases, premium rates decrease for most drivers around age 35 and remain low for another four decades. However, around age 70, rates tend to increase again because senior drivers may experience aging-related risk factors that lead to more accidents.
The overall average cost of car insurance for senior drivers in Dallas is $147 per month. Here’s how average quotes from several different insurers vary for senior drivers.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
31
52
GEICO
35
58
Mile Auto
41
82
Allstate
46
76
USAA
58
96
Nationwide
73
128
Progressive
73
130
Safeco
73
157
Mercury
80
129
Chubb
89
148
Dairyland
89
223
Clearcover
103
136
Elephant
104
168
National General
105
232
21st Century
107
177
Commonwealth Casualty
107
273
Liberty Mutual
107
219
Direct Auto
108
206
GAINSCO
126
275
The General
128
260
Bristol West
137
253
AssuranceAmerica
147
192
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers have the highest insurance costs of any demographic, in part due to limited driving experience. But they’re also more likely to take risks on the road, which is why the youngest drivers have a higher rate of fatal crashes, according to the NHTSA.[7]
Even though teenagers generally pay higher rates than other drivers, you can use a few strategies to find cheap car insurance as a teenage driver. For example, teen drivers will typically pay less for coverage if they join their parents’ existing policy, drive a safe car, earn good grades to qualify for a good student discount, or attend school away from home. Minor teens won't be able to legally buy coverage of their own without the written consent of a parent or guardian.
On average, the cost of car insurance for teen drivers in Dallas is $352 per month. Here are some of the cheapest average quotes offered to teen drivers in Dallas.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
72
120
GEICO
74
121
Allstate
105
175
Hugo
105
287
Mile Auto
109
216
USAA
126
208
Safeco
161
347
Nationwide
173
305
Dairyland
187
469
Mercury
191
306
Progressive
192
340
Clearcover
207
273
Elephant
231
372
Liberty Mutual
233
476
Chubb
238
394
21st Century
249
412
Commonwealth Casualty
250
638
National General
254
564
The General
258
525
Direct Auto
268
513
GAINSCO
292
635
Bristol West
297
550
Infinity
340
516
State Auto
345
634
AssuranceAmerica
385
503
Foremost
424
844
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Dallas car insurance quotes by credit tier
Texas allows insurance companies to use drivers’ credit history as a factor in determining premium rates. State law requires the Texas Department of Insurance to regulate how insurers use credit. This oversight protects consumers in Texas with several important rules:
Insurers can’t use credit as the only factor in setting insurance rates.
Consumers have the right to know what scoring system a company uses.
Companies must tell consumers how to dispute inaccurate credit information.[8]
Even with these protections in place, credit history can affect how much drivers in Dallas pay for auto insurance. Drivers with good or excellent credit generally pay lower rates than people with poor credit.
Here are the average monthly quotes for full-coverage auto insurance in Dallas by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Dallas?
The average cost of coverage in Dallas is $138 per month for liability coverage and $277 for full-coverage insurance. These costs are slightly higher than the Texas state average of $119 per month for liability coverage and slightly lower than than the Texas full-coverage average of $248.
Dallas residents pay more than the national average, which is $103 per month for liability-only coverage and $212 for full-coverage insurance. Drivers in Dallas likely face high rates due to the city’s higher population density and congested highways.
More cities in Texas
Though it’s not the most expensive city in Texas for car insurance, Dallas does have higher costs than some other cities in the Lone Star State. Houston has the highest rates for both liability and full-coverage insurance, while Plano has the lowest liability-only rates and Garland has the lowest full-coverage premiums.
Check out how Dallas compares to the following Texas cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Dallas car insurance FAQs
Before you start shopping around for auto coverage, you should decide on the right amount of insurance for your needs. The following information should help answer your remaining questions about finding car insurance in Dallas.
How much is car insurance in Dallas?
The overall average cost of car insurance in Dallas is $207 per month. Dallas drivers pay $138 per month for liability coverage and $277 for full-coverage insurance, on average. How much you pay for coverage will depend on your driving record, age, credit history, and more.
Who has the cheapest car insurance in Dallas?
With a liability car insurance rate of $43 per month, State Farm is the cheapest car insurance company in Dallas. GEICO and Mile Auto also offer affordable coverage, with rates of $48 and $58 per month, respectively. The best way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Dallas?
The best car insurance company in Dallas is State Farm, which has a high Insurify Quality (IQ) Score of 4.5 out of 5, an A++ (Superior) financial strength rating from AM Best, and a high customer satisfaction rating from J.D. Power. On average, State Farm policyholders in Texas pay $38 per month for liability coverage and $64 for full coverage. Other top insurers include GEICO and USAA.
What is the minimum car insurance required in Texas?
Texas drivers need to carry at least $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage. Insurers in Texas must also offer all drivers personal injury protection and uninsured/underinsured motorist coverage, though drivers can opt out of both these coverages in writing.
Is Texas a no-fault state?
No. Texas is an at-fault state, which means the driver who causes the accident must cover the other party’s resulting vehicle repairs and medical expenses.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.