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Compare Texas Auto Insurance Quotes
Comparing auto insurance in Texas is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Texas drivers face a mix of large-metro traffic, high vehicle counts, hail exposure, severe storms, Gulf Coast tropical systems, flooding, and rural highway risk. NOAA lists severe storms as the most frequent Texas billion-dollar disaster category from 1980 through 2024, with 126 severe-storm events affecting the state.
Rates can vary sharply between Dallas-Fort Worth, Houston, Austin, San Antonio, border communities, Gulf Coast counties, West Texas, and rural areas because insurers price by ZIP code, garaging location, claims patterns, driver profile, coverage choices, and vehicle type.
Texas Minimum Coverage Requirements
Minimum Limit
30/60/25
$30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage liability per accident
Fault System
At Fault
PIP
Offer/Rejection Rule
Texas auto policies include PIP unless the driver rejects it in writing. PIP helps pay medical costs, funeral costs, lost income, and certain other costs regardless of fault.
UM/UIM
Offer/Rejection Rule
Texas insurers must offer uninsured/underinsured motorist coverage. If a driver chooses not to buy UM/UIM, the rejection must be in writing.
Recent rate data estimates Texas annual auto insurance premiums at about $3,276 for full coverage and $999 for minimum coverage.
Texas auto insurance rate estimates - actual quotes may vary
Driver Profile
Estimated Annual Premium
Clean record, 35, full coverage
~$3,276/yr
Clean record, 35, minimum liability only
~$999/yr
Age 20, full coverage
~$6,911/yr
Age 20, minimum liability only
~$2,281/yr
NerdWallet June 2026 Texas median annual rates for a 35-year-old driver with good credit and a clean driving record, based on its analysis of Texas insurance rates.
Average premiums are estimates and are not quotes. Actual rates vary by ZIP code, driver profile, vehicle, coverage limits, deductible, credit-based insurance score where permitted, claims history, and carrier.
Liability vs. Full Coverage in Texas
Texas minimum coverage focuses on required protection such as $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage liability per accident. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Liability Coverage: Covers damage or injuries you cause to others, up to the policy limits.
Collision Coverage: Covers damage to your vehicle in a crash, subject to your deductible and policy terms.
Comprehensive Coverage: Protects against many non-collision losses such as theft, vandalism, weather damage, fire, flood, falling objects, and animal collisions, depending on the policy.
Full Coverage: Typically refers to liability plus collision and comprehensive coverage. It is not a standardized legal term.
SR-22 and High-Risk Insurance in Texas
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Texas DPS describes an SR-22 as a financial responsibility insurance certificate that verifies minimum liability insurance. It may be required after certain crash-related suspensions, civil judgments, or second/subsequent no-insurance convictions. DPS lists a two-year maintenance period for the listed Texas triggers.
Texas uses SR-22 filings for financial responsibility requirements; FR-44 is not a standard Texas filing.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Teen Driver Insurance in Texas
Adding a teen driver to your Texas auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Discounts for Texas Drivers
Insurance partners may offer various discounts to Texas drivers, including:
Multi-policy discount (bundling auto and home insurance)
Good driver discount (no accidents or violations)
Good student discount (for students with good grades)
Low mileage discount (driving fewer miles per year)
Safety features discount (anti-theft devices, airbags, etc.)
Texas drivers should ask insurers about discounts for safe driving, low mileage, anti-theft devices, paperless billing, automatic payments, telematics or driving-monitoring programs, good students, defensive driving, multi-policy bundling, and eligible occupation or group memberships. TDI also warns that no Texas law requires insurers to offer every advertised discount.
Ask about available discounts when comparing quotes.
Carrier rankings are based on Texas Department of Insurance 2024 personal auto company-level market share. Related insurers under the same brand or group may appear separately, so this should not be presented as consolidated brand-group market share.
Note: Only featured cities have dedicated pages. Other cities are served through our main Texas page.
Frequently Asked Questions
How much is car insurance in Texas?
The estimated average cost of car insurance in Texas is $3,276 per year for full coverage and $999 per year for minimum liability, based on NerdWallet’s June 2026 Texas rate analysis for a 35-year-old driver with good credit and a clean driving record. Your actual rate can be higher or lower depending on your ZIP code, vehicle, coverage limits, driver profile, deductible, and carrier.
What is the minimum car insurance required in Texas?
Texas requires drivers to carry at least 30/60/25 liability coverage: $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage liability per accident.
Are PIP and uninsured motorist coverage required in Texas?
PIP and uninsured/underinsured motorist coverage are not required if you reject them, but Texas insurers must offer them. If you do not want PIP or UM/UIM coverage, the rejection must be made in writing.
Who needs SR-22 insurance in Texas?
An SR-22 may be required in Texas after certain license suspensions, civil judgments, crash-related financial responsibility issues, or second/subsequent convictions for driving without liability insurance. It is a certificate proving financial responsibility, not a separate insurance policy.
Can I get same-day car insurance in Texas?
Many insurance partners offer same-day coverage. Once you select a policy and complete the application, coverage can often begin immediately or on the date you specify.
How can Texas drivers lower their car insurance cost?
Texas drivers can compare quotes, review deductibles, ask about discounts, consider usage-based insurance, maintain a good driving record, and avoid dropping current coverage until the new policy is active.
Last Updated: June 9, 2026
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
