Cheapest Car Insurance for Low-Income Drivers in Texas (2026)
State Farm has the cheapest liability car insurance in Texas, with average rates of $53 per month.
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Written byJess Ullrich
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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022, and has written hundreds of empowering, informative articles on insurance topics.
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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10+ years editing experience
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MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Table of contents
The exact definition of a “low-income driver” can vary. But in general, low-income families are those with earnings that fall below the U.S. Department of Health and Human Services’ poverty guidelines. For 2024, a person with an annual income of $15,060 or below is considered a low-income earner, while the annual threshold for a family of five is $36,580.[1]
If you’re a low-income Texas driver, you have options for finding cheaper car insurance rates. The Lone Star State doesn’t subsidize auto coverage for its low-income drivers, but it only requires drivers to obtain liability coverage, which is much cheaper than full coverage. Many companies also provide discounts that can reduce your insurance rates.
Here’s what you should know about comparing quotes and finding car insurance for low-income earners in Texas.
Quick Facts
State Farm, Allstate, and Mile Auto offer the most affordable liability coverage for Texas drivers.
If you have poor credit, you’ll likely pay higher car insurance rates in Texas.
Texas drivers pay higher rates for insurance — an overall average of $163 per month compared to the overall nationwide average of $136 per month.
Cheapest low-income car insurance in Texas
Drivers in Texas pay an average cost of $117 per month for liability-only insurance and $208 per month for full-coverage car insurance, according to Insurify data. While State Farm has the cheapest liability rates on average, other insurance companies may also offer coverage that aligns with your budget.
Here are some of the cheapest car insurance companies in Texas.
The below rates in Texas are estimated rates current as of: Monday, April 6 at 12:00 PM PDT.
Insurance Company  | Average Quote: Liability Only | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. |
|---|---|---|
| State Farm | $53 | 9.3 |
| Allstate | $75 | 8.9 |
| Mile Auto | $76 | 8.8 |
| Progressive | $79 | 8.7 |
| GEICO | $86 | 9.2 |
| USAA | $95 | 9.1 |
| Mercury | $106 | 7.5 |
| First Acceptance | $111 | 0.0 |
| The General | $112 | 7.1 |
| Alinsco | $116 | 0.0 |
| Lone Star | $118 | 0.0 |
| Freedom National | $119 | 0.0 |
| Nationwide | $120 | 9.0 |
| Dairyland | $121 | 7.7 |
| Commonwealth Casualty | $122 | 6.1 |
| GAINSCO | $125 | 7.9 |
| Clearcover | $126 | 7.1 |
| Root | $126 | 7.9 |
| Bristol West | $127 | 6.7 |
| Mendota | $130 | 0.0 |
| Covercube | $130 | 0.0 |
| AssuranceAmerica | $135 | 5.8 |
| Excepsure | $138 | 0.0 |
| Safeco | $142 | 8.1 |
| Direct Auto | $143 | 8.3 |
| Sun Coast | $143 | 0.0 |
| National General | $145 | 7.0 |
| Loop | $149 | 0.0 |
| Elephant | $151 | 8.6 |
| Chubb | $162 | 7.1 |
| Trexis One | $165 | 0.0 |
| Hugo | $184 | 6.3 |
| 21st Century | $187 | 7.3 |
| Insurify Car | $197 | 0.0 |
| Liberty Mutual | $229 | 8.4 |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Texas
Liability quotes start as low as $53 per month
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Best car insurance for drivers with a low income in Texas
Liability-only insurance is the cheapest form of car insurance. But it offers less protection than a full-coverage policy, which typically includes liability insurance, comprehensive insurance, and collision insurance.
For example, liability coverage won’t pay for your injuries or damage to your car if you’re at fault in a motor vehicle accident or if a tree limb hits your car’s roof. It only covers damages to another person or their vehicle if you’re at fault in an accident.[2]
If you’re seeking cheap liability coverage, it’s worth getting a quote from State Farm, GEICO, and Allstate.
State Farm: Best for customer satisfaction
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $53/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. | $108/mo |
4.0
Best choice in TexasBased on 16,857 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 reviews from Texas drivers - See all 7,353 State Farm reviews
Lawrence
Verified Review
Fast and Easy
Reviewed in Texas on April 9, 2026
It was super easy and fast online. Setting it up was easy as well. Yes, I would tell a friend to use them.
John
Verified Review
Safe Driver and Good Customer
Reviewed in Texas on April 8, 2026
I've never had lower rates in all my years with no claims; they always go higher. We had a claim, but not a lot because we carry a high deductible. You would think after years with a good record, rates would go down, not up.
Kathie
Verified Review
Insurance Comparison
Reviewed in Texas on April 8, 2026
State Farm is expensive, and I don’t understand my policy at all. So, talk to the company you are contemplating and compare what coverage you really need, not just what the company wants to sell you.
Gigi
Verified Review
Disappointed
Reviewed in Texas on April 7, 2026
Don't increase the rates with every renewal.
Robert
Verified Review
Katie was a part-time agent but made me her only customer. I hope she is the boss one day.
Reviewed in Texas on April 6, 2026
It's about the people. I use the State Farm that is 300 miles from where I live, with many State Farm agencies along the way. It's about the people. One little part-time agent kept me updated on what was going on with the insurance company. Katie started talking to me 9 weeks before I needed a new policy, and she is why I moved to State Farm and is still the reason because she is my agent.
Courtney
Verified Review
Excellent
Reviewed in Texas on April 6, 2026
It's been affordable.
Juan
Verified Review
Concerned Customer with Questions
Reviewed in Texas on April 4, 2026
Good for the most part in terms of coverage and customer service. I just don't like that the rates keep increasing even though we have a good driving record, no traffic violations, and we don't travel as much. Plus, we're in our senior years.
William
Verified Review
Excellent
Reviewed in Texas on March 26, 2026
State Farm is a good, solid insurance company. Rates are competitive.
Norvell
Verified Review
Average
Reviewed in Texas on March 19, 2026
To add a second vehicle, the price increased, and they are always trying to upsell.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Each year, data analytics and consumer intelligence company J.D. Power releases an auto insurance study. This study is primarily focused on customer satisfaction. For 2023, State Farm ranks among the top insurance companies in Texas for customer satisfaction.
Not only that, but this insurer also offers cheap liability coverage, especially for teen drivers and older adults. If you want a hassle-free auto insurance experience and coverage that aligns with your budget, State Farm could be worth a look.
Pros
Above-average J.D. Power customer satisfaction rating in Texas
Large network of local insurance agents
Some of the cheapest liability coverage in Texas
Cons
Gap insurance not available
Negative customer reviews on Trustpilot
Fewer discounts than some competitors
GEICO: Best for military families
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $86/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. | $189/mo |
3.9
A solid option in TexasBased on 17,128 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 reviews from Texas drivers - See all 7,585 GEICO reviews
William
Verified Review
Once upon a time they were affordable...
Reviewed in Texas on April 4, 2026
After 11 loyal years with Geico, once deregulation was in effect, their base rates skyrocketed. It's hard for seniors on a fixed income.
Eric
Verified Review
Auto Insurance
Reviewed in Texas on April 2, 2026
Informed, good customer service.
Lorin D
Verified Review
Not the cheapest, but they seem to be there for you
Reviewed in Texas on April 1, 2026
The car insurance seems a little expensive. I wanted to have some extras with it like towing, which was a bit pricey. However, I like the fact that I could sign up with them personally without needing to provide information on my entire family, who have their own vehicle and motorcycle insurance. They are pretty much the same price as the rest, but a little on the higher range.
Martin
Verified Review
GEICO is one of the worst
Reviewed in Texas on April 1, 2026
They base rates on being part of a driver program. If you don’t participate, rates rise over 50%.
Alejandro
Verified Review
They Couldn't Care Less
Reviewed in Texas on March 26, 2026
The cost of a 6-month policy is the lowest I've been able to find. Every other insurer has yet to match or beat it. It came with a little more coverage than any other insurer has offered. Although they give you a discount for initiating Easy Drive, which monitors one's driving and driving habits, the app is so messed up (as in making outrageous claims of unsafe driving), I know I cannot expect them to offer to continue the discount or increase it at the end of the term when the app makes a report, or they review the driving data collected. The app is NOT trustworthy because of its flawed and erroneous assumptions. I could not believe it admonished my driving because it found an app open on my phone. "Yeah, the app Easy Drive which they insist one have open during trips," so that it can take in and record the data. Easy Drive is a joke. When I read the first report I looked at, I wondered if the report stated what it stated so that I would be found ineligible for a continued discount. After reading a couple of other reports, I am convinced this tongue-in-cheek accusation of mine to be a fact. My driving record is, after 45 years of driving, immaculate. Yet insurance companies want nearly 500 USD or more for a 6-month STATE MINIMUMS LIABILITY ONLY policy. I have proven that I am not a liability to them. When are insurers going to appreciate me for that?
Laura
Verified Review
Insurance is Theft
Reviewed in Texas on March 26, 2026
Still costs too much but less than everyone else.
John
Verified Review
Good
Reviewed in Texas on March 21, 2026
I would say I have had an overall good experience.
Jaquelyn
Verified Review
I can't find anything less expensive
Reviewed in Texas on March 18, 2026
Cheapest I have found so far. Have not had a claim, so can't comment on that process.
Bombshell
Verified Review
Up, up, always up!
Reviewed in Texas on March 18, 2026
I would say don't do it! They are increasing my liability and uninsured motorist coverage for a 2005 Nissan Sentra. I'm 57 years old with no tickets or accidents, and yet I'm paying over $170 for not full coverage! It went up! I'm looking for another insurance company.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Veterans account for nearly 7% of the total population in Texas, and with 15 military installations, the state is also home to countless active-duty service members.[3] As a token of gratitude for serving the country, GEICO offers an exclusive car insurance discount of up to 15% for military members and veterans.
While State Farm’s coverage might be slightly cheaper, GEICO’s affiliation discount could tip the scales in terms of cost. It’s worth getting a quote from GEICO if you’re in the military and seeking new car insurance coverage.
Pros
Many available discounts
24/7 customer service
AM Best financial strength rating of A++ (Superior)
Cons
Below-average J.D. Power customer satisfaction rating in Texas
Few local agents
Pay-per-mile insurance isn’t available
Allstate: Best for discounts
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| 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. | $75/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. | $152/mo |
3.8
A solid option in TexasBased on 10,104 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 reviews from Texas drivers - See all 4,364 Allstate reviews
Marie
Verified Review
Allstate
Reviewed in Texas on April 5, 2026
Allstate is good, about average in price. Customer service is excellent.
Ramiro
Verified Review
Questionable about the motto they advertise "You're in good hands with Allstate" does not jive with me!
Reviewed in Texas on April 5, 2026
The driving record for my wife and me really doesn’t reflect the driving discounts I think we should be receiving. $300+ per month, in my opinion, vs what I see does not reflect the discount I should be receiving!
Joan
Verified Review
Car Insurance Tip
Reviewed in Texas on April 2, 2026
Look at multiple agencies before making a decision.
John
Verified Review
You're in good hands with Allstate
Reviewed in Texas on March 30, 2026
Allstate really helped me out in getting insurance for both my car and house, and helped me save money.
Billy
Verified Review
Not Good
Reviewed in Texas on March 29, 2026
No additional coverage but an increase every year.
Jeffrey
Verified Review
Allstate - All about getting your money but not following up
Reviewed in Texas on March 27, 2026
Overall, they have overpriced their coverage. My insurance broker is mediocre and does not communicate with clients very well. I haven't heard from my agent in I don't know how long. As long as they are getting your premium, that's all they care about.
Rodney
Verified Review
Too Much Money
Reviewed in Texas on March 25, 2026
I've been with them on and off for 6 years, always paying on time, and yet I received no discount. They are too expensive.
Cesar
Verified Review
Allstate's Pricing Strategy
Reviewed in Texas on March 14, 2026
Do not use Allstate. They offer you lower rates initially and then raise them higher than your previous insurance company.
Juana
Verified Review
Shame on them. Just because I'm a senior citizen they wanted to take advantage of me.
Reviewed in Texas on March 13, 2026
They are crooks. I have been a licensed driver for 44 years, insured, and this company had me for 3 months on pins and needles with their incompetent ways of taking information and putting the wrong numbers for my account even though they were on auto pay. They charged me for late fees for their errors, and at 69, I could not handle so much. They said my bank declined payment, and this went on for 3 months. Finally, I went to the bank, and my bank told them they had not received a request for payment from them. They still said I had to pay the bill with a late fee. That day I had an appointment with a doctor. Because of all this, I got lost and even got into my first accident. Then they tried to take my vehicle for $1,500. I was able to take my vehicle back and fix it myself for less than those $1,500 dollars, which they said was a total loss. I will not recommend this company.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate offers a broad range of discounts, including a good student discount that could help lower young drivers’ insurance costs. Texas drivers can save for having specific car features, such as anti-lock brakes and anti-theft devices. This insurer also offers several discounts related to on-time payments and safe driving, making it a good choice if you have a clean driving record.
Pros
More available discounts than many competitors
AM Best financial strength rating of A+ (Superior)
Large network of local insurance agents
Cons
Pay-per-mile insurance isn’t available in Texas
Below-average J.D. Power customer satisfaction rating in Texas
Not the cheapest coverage available
Cheapest car insurance for drivers with poor credit in Texas
While it’s illegal for insurers in some states to consider your credit history when calculating your insurance rates, this practice is legal in Texas. Drivers with poor credit often pay more for car insurance, as insurers may view them as more likely to file a claim.
By contrast, drivers with good or excellent credit often get lower rates. Other factors also affect the cost of car insurance, like your city, age, and ZIP code.
Here’s a quick cost comparison for how much Texas drivers with good credit and poor credit pay each month for a liability policy.
The below rates in Texas are estimated rates current as of: Monday, April 6 at 12:00 PM PDT.
Insurance Company | Average Quote: Good Credit | Average Quote: Poor Credit |
|---|---|---|
| State Farm | $52 | $76 |
| Allstate | $74 | $93 |
| Mile Auto | $75 | $94 |
| Progressive | $77 | $99 |
| GEICO | $83 | $106 |
| USAA | $93 | $116 |
| Mercury | $104 | $130 |
| The General | $108 | $138 |
| First Acceptance | $109 | $139 |
| Alinsco | $113 | $145 |
| Lone Star | $115 | $148 |
| Freedom National | $116 | $149 |
| Dairyland | $117 | $150 |
| Nationwide | $118 | $148 |
| Commonwealth Casualty | $118 | $151 |
| GAINSCO | $121 | $154 |
| Clearcover | $122 | $156 |
| Root | $124 | $156 |
| Bristol West | $125 | $157 |
| Mendota | $127 | $163 |
| Covercube | $127 | $163 |
| AssuranceAmerica | $130 | $167 |
| Excepsure | $135 | $173 |
| Safeco | $137 | $175 |
| Direct Auto | $138 | $177 |
| National General | $140 | $179 |
| Sun Coast | $140 | $179 |
| Elephant | $146 | $187 |
| Loop | $146 | $186 |
| Chubb | $158 | $259 |
| Trexis One | $161 | $206 |
| Hugo | $178 | $227 |
| 21st Century | $184 | $231 |
| Insurify Car | $193 | $246 |
| Liberty Mutual | $223 | $275 |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
Minimum car insurance requirements in Texas
Texas requires drivers to obtain the following car insurance coverages in order to be roadworthy:[4]
Bodily injury liability
$30,000 per person
$60,000 per accident
Property damage liability
$25,000
Your liability insurance will pay out if you’re at fault in a car accident that results in damage to another person’s vehicle or personal property. It’ll also pay for their medical bills if they’re hurt in the accident.
A liability-only policy could be sufficient if you drive an older or high-mileage vehicle, though it doesn’t offer as much protection as full-coverage insurance. Likewise, opting for minimum coverage might save you money, but it could put you at risk if you get into an accident and the related expenses exceed your coverage limits.
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State-sponsored car insurance in Texas
Unfortunately, the Texas government doesn’t subsidize car insurance costs for low-income drivers, and the state’s car insurance rates are on the high side compared to other U.S. states.
The best way to find an inexpensive auto policy in Texas is to shop around, get quotes from several different car insurance companies, and take advantage of as many discounts as possible.
Car insurance discounts for low-income Texas drivers
Discounts are another great way to save some money on your auto policy. Here are some common ones to look for:
Bundling discount
You can often get a discount if you bundle multiple insurance products, such as auto and homeowners insurance, from the same company.
Vehicle safety feature discount
Many insurers also offer discounts for certain vehicle safety features, like anti-lock brakes or car alarms.
Good student discount
If you’re a student, you might be able to save on your car insurance by maintaining a certain GPA.
Safe driver discount
Drivers with clean records often get the best insurance rates, and you could get additional savings if you remain accident-free for a set time period.
Responsible payment discount
Insurance companies may give you a discount if you opt for automatic payments, pay your premium in full, or avoid missing payments for a set time period.
Low-income car insurance in Texas FAQs
If you’re still wondering about low-income car insurance in Texas, this additional information may help as you shop for a policy.
Which company has the cheapest car insurance company in Texas?
State Farm offers the cheapest auto insurance for Texas drivers, with monthly rates of $53 for liability-only coverage and $108 for full coverage.
How much is full-coverage car insurance in Texas?
Texas drivers pay an average of $208 per month for full-coverage car insurance. This is higher than the national full-coverage rate of $173 per month.
How do I get low-income car insurance in Texas?
The state of Texas doesn’t offer any special subsidies for low-income drivers seeking auto insurance. Instead, you’ll need to compare coverage options and get car insurance quotes from different companies to find low-cost coverage. Don’t forget to ask about any discounts you might be eligible for that could help you save more on your premiums.
What is the lowest form of car insurance required in Texas?
Texas law requires drivers to carry a minimum amount of liability insurance. You’ll need to purchase $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage.
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Sources
- U.S. Department of Health and Human Services. "Poverty Guidelines."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Texas Workforce Investment Council. "Veterans in Texas: A Demographic Study."
- Texas Department of Insurance. "Auto insurance guide."
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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022, and has written hundreds of empowering, informative articles on insurance topics.
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Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.