120+ more*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on June 18, 2026. 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 June 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
Coverage  | Minimum Requirement in Texas |
|---|---|
| Bodily injury liability | $30,000 per person/$60,000 per accident |
| Property damage liability | $25,000 per accident |
Texas requires liability insurance with a minimum of $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage.[1] This is typically expressed as 30/60/25.
Most of these limits are higher than what’s required in Texas’ neighboring states, reflecting rising medical and repair costs. Texas raised its minimum liability requirements in 2008 and 2011 after lawmakers determined previous limits didn’t adequately cover severe injuries or property losses.
Texas requires $30,000 per person and $60,000 per accident in bodily injury liability coverage. These requirements are higher than in all four neighboring states. But they’re on par with minimum coverage requirements in California, the only other U.S. state with more than 30 million people.
If you cause a car accident in Texas that injures others, your bodily injury liability pays up to $30,000 per person and up to $60,000 maximum. If one injured person’s medical costs exceed $30,000 or all injured parties’ medical bills exceed $60,000, you could be responsible for paying the difference out of your own pocket.
Though not required by Texas law, higher coverage limits could help avoid this scenario.
Texas requires $25,000 in property damage liability coverage, similar to the limits in neighboring states.
Property damage liability coverage kicks in if you cause an accident in Texas that damages property. This includes other vehicles, mailboxes, street lights, guardrails, and fences.
If the damage exceeds $25,000 collectively, you may have to cover the difference out of pocket.
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Texas increased minimum liability requirements over the last couple of decades. Even so, these limits may not be sufficient to cover accidents resulting in severe injuries or costly property damage.
The National Safety Council estimates that accidents with injuries cost an average of $45,000, accidents with disabling injuries average $174,000, and accidents resulting in death average more than $2 million.
For better protection, many insurance experts recommend the following minimum liability coverage limits.[2]
Coverage | Recommended Limit |
|---|---|
| Bodily injury liability | $100,000 per person/$300,000 per accident |
| Property damage liability | $100,000 per accident |
Minimum liability coverage also won’t pay for repairs to your vehicle or medical expenses for you and your passengers. A full-coverage policy includes comprehensive and collision coverage, as well as personal injury protection (PIP).
Given the state’s high rate of uninsured drivers, you may also want to add uninsured/underinsured motorist (UM/UIM) coverage.[3]
While Texas requires only minimum liability coverage, the state has a few other requirements to be aware of:
Personal injury protection (PIP): Texas law doesn’t require you to carry PIP, but insurers must provide it unless you decline it in writing. If you’re hurt in an accident, PIP coverage pays lost wages and helps cover essential services like child care.
Uninsured/underinsured motorist coverage: While Texas doesn’t require UM/UIM coverage, insurers must offer it, though you can decline it. Because nearly 12% of Texas drivers are uninsured, this coverage offers valuable financial protection.
Comprehensive and collision coverage: Texas law doesn’t require you to have collision or comprehensive coverage. But if you finance your car, your lender will require you to have both while you pay off your loan.
The average cost of car insurance in Texas is $110 per month for liability-only coverage. Texas is the 15th most expensive state for minimum coverage, with rates above the national average of $98 per month.
This is unsurprising, given that Texas has higher minimum-coverage requirements than many other states.
Texas is also the 16th most expensive state for full-coverage auto insurance, with an average monthly rate of $206. In comparison, the national average for full-coverage insurance is $186 per month.
While Texas doesn’t require PIP and UM/UIM coverage, insurers must include these on policies unless you decline them in writing. These inclusions could contribute to the state’s higher-than-average car insurance rates.
Liability rates average $110 per month
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $43 |
| Allstate | $61 |
| Mile Auto | $63 |
| Progressive | $64 |
| GEICO | $70 |
| USAA | $77 |
| Mercury | $86 |
| First Acceptance | $88 |
| The General | $91 |
| Alinsco | $92 |
| Lone Star | $95 |
| Commonwealth Casualty | $97 |
| Nationwide | $97 |
| GAINSCO | $98 |
| Bristol West | $101 |
| Clearcover | $101 |
| Root | $102 |
| Dairyland | $103 |
| Covercube | $104 |
| Mendota | $106 |
| AssuranceAmerica | $107 |
| Excepsure | $111 |
| Sun Coast | $112 |
| Direct Auto | $114 |
| Safeco | $114 |
| National General | $116 |
| Loop | $120 |
| Elephant | $121 |
| Chubb | $132 |
| Trexis One | $137 |
| 21st Century | $152 |
| Insurify Car | $156 |
| Hugo | $158 |
| Liberty Mutual | $185 |
Texas law requires insurers to provide you with a copy of the Consumer Bill of Rights when you purchase or renew a car insurance policy. This bill of rights includes protections for drivers, including a 10-day notice requirement for cancellations and a 60-day notice for non-renewals.
High-risk Texas drivers who can’t get a car insurance policy elsewhere can purchase basic coverage through the Texas Automobile Insurance Plan Association (TAIPA). Coverage offered includes liability, PIP, and UM/UIM. TAIPA policies are more expensive than policies through private Texas car insurance companies.
Driving without insurance in Texas carries serious penalties.
If it’s your first driving without insurance offense, the state considers it a misdemeanor and will fine you between $175 and $350.
Getting caught a second time is more expensive: Fines for repeat offenders can range from $350 to $1,000.
If you’re a repeat offender, the state may impound your vehicle for up to 180 days. This can get expensive quickly, as towing fees run from $272 to $489, depending on your vehicle’s size. Daily storage fees cap out at $22.85 for vehicles 25 feet or less and $39.99 for vehicles longer than 25 feet.
Beyond Texas’ minimum auto insurance requirements, you may want to consider purchasing additional coverage options:
UM/UIM coverage: In Texas, nearly 12% of drivers don’t carry insurance. Purchasing UM/UIM protects you financially if an uninsured driver hits you.
Collision coverage: Texans reported a crash in the state every 59 seconds from 2014 to 2023, according to the Texas Department of Transportation.[4] Collision coverage pays to repair damage to your vehicle from a crash, regardless of fault.
Comprehensive coverage: Comprehensive coverage is also a smart choice in the Lone Star State, given the prevalence of flooding in Texas, especially near the Gulf Coast and along rivers like the Guadalupe and San Antonio. Texas also has the eighth-highest vehicle theft rate in the country, according to National Insurance Crime Bureau data. Comprehensive coverage helps protect you financially if your vehicle is stolen.
Rental car reimbursement: Just over 11% of Texas drivers own more than one vehicle, according to Insurify data. If your vehicle is out of commission following an accident and you don’t have a second car available, rental car reimbursement helps cover the cost of a rental in the interim.
See the answers to frequently asked questions below for more information about Texas car insurance requirements.
In Texas, minimum liability insurance covers bodily injury and property damage you cause to others in an accident. It won’t pay for damage to your vehicle or medical expenses for you or your passengers. Texas requires $30,000 per person and $60,000 per accident in bodily injury liability, and $25,000 in property damage liability.
No. Texas doesn’t require UM coverage, but carrying it could be wise. More than 1 in 10 drivers (11.87%) are uninsured in Texas, according to the Texas Department of Motor Vehicles.
Texas is not a no-fault state for car insurance. Texas is an at-fault state. This means the driver who caused the accident is responsible for damages, and you won’t have to file a claim through your own insurance.
If you get caught driving without insurance in Texas, you’ll owe a fine between $175 and $350 if it’s your first offense, and between $350 and $1,000 for a second offense. Repeat offenders also risk having their vehicle impounded for up to 180 days.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.