Car insurance in Texas

View of the city with cars driving on a highway

Buying car insurance in Texas

Getting car insurance in Texas is simple. Start with the basic liability requirements, choose the add-ons you want, and you can be covered in minutes.

Liberty Mutual can help you customize your auto policy to protect you and your wallet—from Houston highways to the wide-open West Texas back roads.

Texas minimum car insurance requirements (30/60/25)

Did you know that it's illegal to drive without car insurance in Texas?

To drive legally, you need to have at least the following coverage amounts and minimums in Texas.²

Coverage	Amount
Bodily Injury to others	$30,000 per person and $60,000 per accident
Property Damage Liability	$25,000 per accident

Check out the Texas Department of Insurance for more details.

This minimum level of insurance shown above is called “liability only” or “basic coverage” and is often written as 30/60/25. While this may be your cheapest option upfront, it's important to know this coverage doesn't cover you, your car, or your personal belongings—it only helps pay for injuries or damage you cause to other people and their property.

You may want to add additional protection to cover yourself financially in the long run.

What “Full” coverage car insurance means in Texas

While Texas law says you're only required to have the state liability minimums, many drivers decide to increase their coverage to what some call “full” coverage, meaning they're covered for more situations.

“Full” coverage isn't a specific package but it's usually considered a policy with

The state minimums to help pay for injuries or damage you may cause to others and their property.
Comprehensive coverage to help pay for non-crash-related damage to your car caused by events like hail, fire, or theft.
Collision coverage to help cover the cost to fix damage to your car from a car accident.
Optional coverages you may want to add to further customize your policy, such as Original Parts Replacement (OEM), Gap Coverage, or Accident Forgiveness.

Note that if you lease or finance your car, your lender will typically require you to carry comprehensive and collision coverage.

Is Texas a no-fault insurance state?

No, Texas is not a no-fault state. It follows an at-fault system, meaning the driver who causes a crash is responsible for paying damages.

Because some drivers carry either too little insurance, or none at all, many Texans add extra coverage to their policies like Personal Injury Protection (PIP) and Uninsured Motorist Coverage. These coverages can help pay your costs if you're in a crash with a driver who either doesn't have insurance or doesn't have enough (underinsured).

In Texas, insurance companies have to offer these coverages. If you don't want them, you will need to decline in writing.

Average car insurance cost in Texas (2025)

According to 2025 data, the average cost of “full” coverage car insurance in Texas is about $2,482³ per year—roughly 14% higher than the national average. Texas drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.

Drivers in larger cities like Houston and Dallas may see higher rates than those in smaller or less congested areas. That's because bigger cities typically come with more traffic that can lead to higher accident rates.

How to save on car insurance in Texas

Finding the cheapest car insurance in Texas may sound great, but a low-cost policy may not pay out when you need it.

You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.

A Liberty Mutual auto insurance policy can cost less than you think.⁴