Texas · Auto insurance
Car insurance in Texas
What drivers in Texas pay, what the state requires, and how to find the lowest rate you qualify for.
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Average annual premium
$2,148
Full coverage, statewide average
Minimum liability
30/60/25
Bodily injury and property damage
Uninsured drivers
1 in 8
Estimated share on the road
Typical savings from shopping
$412
Comparing three or more carriers
What Texas requires
Bodily injury liability
$30,000 per person and $60,000 per accident for injuries you cause to others.
Property damage liability
$25,000 per accident for damage you cause to another vehicle or property.
Proof of insurance
Must be carried in the vehicle and shown at a traffic stop, registration or inspection.
State minimums are a legal floor. Most drivers carry higher limits to protect savings and property.
Average premium by city
Houston
$2,486
Dallas
$2,331
San Antonio
$2,104
Austin
$1,962
Fort Worth
$2,275
El Paso
$1,844
Illustrative full-coverage averages. Your rate depends on your record, vehicle and ZIP code.
What moves rates in Texas
Where you park
Urban ZIP codes with higher theft and claim frequency price above the state average.
State rules
Texas sets minimum liability limits, and those minimums are a legal floor, not a recommendation.
Weather exposure
Hail and storm claims push comprehensive premiums up in parts of the state.
Repair costs
Local labor and parts costs feed directly into collision pricing.
Texas questions
What happens if I drive without insurance in Texas?
Penalties typically start with a fine and can escalate to license suspension, vehicle impoundment and a required filing to reinstate coverage.
Is the state minimum enough coverage?
For most drivers, no. A single serious accident can exceed the minimum property damage limit, leaving you personally responsible for the rest.
How often should I re-shop my policy?
At every renewal, and any time you move, change vehicles, or have an accident or ticket drop off your record.
Does credit affect my rate here?
In most states, insurers may use a credit-based insurance score as one pricing factor. It is one input among many, not the whole rate.
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