Texas Car Insurance Requirements

Minimum Coverage Requirements

Texas requires drivers to carry minimum liability insurance of 30/60/25 — meaning $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage.

Average Car Insurance Costs in Texas

Drivers in Texas typically pay approximately $1,820 per year ($152/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Texas

State Regulations and Key Rules

Texas is an at-fault state. Uninsured and underinsured motorist coverage must be offered but can be rejected. Texas uses a modified comparative fault rule (51% bar). Personal Injury Protection (PIP) of $2,500 is included by default but can be waived.

What Makes Texas Unique

Texas includes $2,500 in PIP coverage by default in all policies — drivers must actively opt out in writing if they do not want it. The state's size and diverse geography (urban, rural, coastal) create wide variation in local rates.

Uninsured Drivers in Texas

Approximately 13.7% of drivers in Texas are estimated to be uninsured.

Risk Factors Specific to Texas

Houston faces significant flooding risk, particularly during hurricane season and heavy rain events. Hailstorms in North Texas (Dallas-Fort Worth area) are among the most damaging in the nation. West Texas sees dust storms that can reduce visibility to zero. Coastal Texas faces hurricane risk from June through November.

What Texas’s Minimum Actually Covers

Texas’s minimum is 30/60/25: $30,000 per injured person, $60,000 total per accident for injuries, and $25,000 for property damage. With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt. On the injury side, a single hospital admission after a serious crash can exceed $30,000 quickly; anything above the limit can be pursued from your assets and future wages.

No-Fault, PIP, and Required Add-Ons in Texas

Uninsured motorist coverage isn’t mandatory in Texas, though insurers generally must offer it and you may have to reject it in writing.

How Texas Compares: Uninsured Drivers and Price

An estimated 13.7% of Texas drivers are uninsured — roughly 1 in 7 — a middle-of-the-pack uninsured rate. At that rate, uninsured motorist coverage is one of the most valuable add-ons you can buy.

Our average premium estimate of $1,820 a year puts Texas among the ten most expensive states in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Texas

Houston and Dallas-Fort Worth have some of the highest rates in Texas — suburban or smaller-city drivers benefit significantly. Texas's large insurer market makes annual comparison shopping particularly worthwhile. Bundling home and auto is effective, and many Texas insurers offer discounts for wind mitigation features on homes that correlate with lower overall risk.

• Texas's minimum liability requirement of 30/60/25 is the legal floor, not a safe target — since PIP isn't required in Texas, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 13.7% of Texas drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Texas?

30/60/25: $30,000 of bodily injury liability per person, $60,000 per accident, and $25,000 of property damage liability.

Is Texas a no-fault state?

No. Texas is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

How many drivers are uninsured in Texas?

An estimated 13.7% of Texas drivers are uninsured, roughly 1 in 7.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.