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STATE INSURANCE DIRECTORY

Texas Car Insurance Quotes & Legal Minimums

Texas operates under a traditional at-fault tort liability system. Drivers must carry minimum 30/60/25 liability coverage. High uninsured driver rates and severe spring hailstorms make comprehensive coverage and uninsured motorist protection strongly recommended.

Legal Minimum Limits 30/60/25 Mandatory by State Law
Avg Full Coverage $2,410/yr ($201/mo) Comprehensive + Collision
Avg State Minimum $765/yr ($64/mo) Cheapest Legal Coverage
Uninsured Drivers 19.4% of drivers UM/UIM Recommended
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Compare Cheap Car Insurance in Texas

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Texas Auto Insurance Laws & Mandatory Requirements

Governed by the Texas Department of Insurance (TDI), driving in Texas requires proof of financial responsibility. Understanding regional mandates ensures legal compliance and prevents costly DMV penalties:

§1

Texas Motor Vehicle Safety Responsibility Act requires minimum 30/60/25 coverage.

§2

Electronic verification via TexasSure matches active insurance policies to vehicle registrations in real time.

§3

Insurers must offer Personal Injury Protection (PIP) in writing; drivers must decline in writing to waive.

§4

SR-22 financial responsibility filings required for license restoration following suspensions or DWI.

Compare Car Insurance Quotes in Texas Cities (20 Markets)

Auto insurance rates vary significantly by ZIP code due to local traffic congestion, vehicle theft rates, and weather hazards. Select your city below to view local premium benchmarks and discounts:

$223/mo
Avg Full Coverage: $2,680/yr
Avg State Minimum: $840/yr
Uninsured Drivers: 21.2%
Commute Index: 28.4 min avg commute
Top Local Carriers:
State FarmGEICOProgressiveAllstate
View Dallas Car Insurance Rates & Discounts →
$233/mo
Avg Full Coverage: $2,795/yr
Avg State Minimum: $890/yr
Uninsured Drivers: 22.8%
Commute Index: 30.6 min avg commute
Top Local Carriers:
ProgressiveGEICOState FarmAllstate
View Houston Car Insurance Rates & Discounts →
$193/mo
Avg Full Coverage: $2,310/yr
Avg State Minimum: $725/yr
Uninsured Drivers: 16.7%
Commute Index: 25.9 min avg commute
Top Local Carriers:
State FarmTexas Farm BureauGEICOProgressive
View Austin Car Insurance Rates & Discounts →
$199/mo
Avg Full Coverage: $2,390/yr
Avg State Minimum: $755/yr
Uninsured Drivers: 19.8%
Commute Index: 25.2 min avg commute
Top Local Carriers:
USAAState FarmProgressiveGEICO
View San Antonio Car Insurance Rates & Discounts →
$210/mo
Avg Full Coverage: $2,520/yr
Avg State Minimum: $795/yr
Uninsured Drivers: 19.1%
Commute Index: 27.5 min avg commute
Top Local Carriers:
State FarmGEICOProgressiveTexas Farm Bureau
View Fort Worth Car Insurance Rates & Discounts →
$198/mo
Avg Full Coverage: $2,380/yr
Avg State Minimum: $745/yr
Uninsured Drivers: 14.2%
Commute Index: 26.8 min avg commute
Top Local Carriers:
State FarmAllstateGEICOProgressive
View Plano Car Insurance Rates & Discounts →

Frisco Auto Quotes →

Collin & Denton County
$195/mo
Avg Full Coverage: $2,340/yr
Avg State Minimum: $730/yr
Uninsured Drivers: 12.8%
Commute Index: 28.1 min avg commute
Top Local Carriers:
State FarmProgressiveAllstateGEICO
View Frisco Car Insurance Rates & Discounts →
$216/mo
Avg Full Coverage: $2,590/yr
Avg State Minimum: $815/yr
Uninsured Drivers: 20.4%
Commute Index: 26.5 min avg commute
Top Local Carriers:
GEICOProgressiveState FarmAllstate
View Arlington Car Insurance Rates & Discounts →
$197/mo
Avg Full Coverage: $2,360/yr
Avg State Minimum: $740/yr
Uninsured Drivers: 13.9%
Commute Index: 29.3 min avg commute
Top Local Carriers:
State FarmTexas Farm BureauAllstateGEICO
View McKinney Car Insurance Rates & Discounts →
$218/mo
Avg Full Coverage: $2,610/yr
Avg State Minimum: $820/yr
Uninsured Drivers: 21.8%
Commute Index: 29.1 min avg commute
Top Local Carriers:
ProgressiveGEICOState FarmAllstate
View Garland Car Insurance Rates & Discounts →
$220/mo
Avg Full Coverage: $2,640/yr
Avg State Minimum: $830/yr
Uninsured Drivers: 21.0%
Commute Index: 24.9 min avg commute
Top Local Carriers:
GEICOState FarmProgressiveAllstate
View Irving Car Insurance Rates & Discounts →
$191/mo
Avg Full Coverage: $2,290/yr
Avg State Minimum: $715/yr
Uninsured Drivers: 15.1%
Commute Index: 26.2 min avg commute
Top Local Carriers:
State FarmTexas Farm BureauGEICOProgressive
View Round Rock Car Insurance Rates & Discounts →

Katy Auto Quotes →

Harris & Fort Bend County
$215/mo
Avg Full Coverage: $2,580/yr
Avg State Minimum: $810/yr
Uninsured Drivers: 18.2%
Commute Index: 31.4 min avg commute
Top Local Carriers:
ProgressiveState FarmGEICOAllstate
View Katy Car Insurance Rates & Discounts →
$205/mo
Avg Full Coverage: $2,460/yr
Avg State Minimum: $770/yr
Uninsured Drivers: 14.8%
Commute Index: 30.1 min avg commute
Top Local Carriers:
State FarmAllstateGEICOProgressive
View Sugar Land Car Insurance Rates & Discounts →
$202/mo
Avg Full Coverage: $2,420/yr
Avg State Minimum: $760/yr
Uninsured Drivers: 13.5%
Commute Index: 29.7 min avg commute
Top Local Carriers:
State FarmTexas Farm BureauAllstateGEICO
View The Woodlands Car Insurance Rates & Discounts →
$212/mo
Avg Full Coverage: $2,540/yr
Avg State Minimum: $795/yr
Uninsured Drivers: 17.9%
Commute Index: 31.8 min avg commute
Top Local Carriers:
ProgressiveState FarmGEICOAllstate
View Pearland Car Insurance Rates & Discounts →
$182/mo
Avg Full Coverage: $2,180/yr
Avg State Minimum: $680/yr
Uninsured Drivers: 23.4%
Commute Index: 23.4 min avg commute
Top Local Carriers:
State FarmGEICOProgressiveAllstate
View El Paso Car Insurance Rates & Discounts →
$197/mo
Avg Full Coverage: $2,360/yr
Avg State Minimum: $740/yr
Uninsured Drivers: 19.9%
Commute Index: 20.8 min avg commute
Top Local Carriers:
State FarmTexas Farm BureauProgressiveGEICO
View Corpus Christi Car Insurance Rates & Discounts →
$187/mo
Avg Full Coverage: $2,240/yr
Avg State Minimum: $705/yr
Uninsured Drivers: 17.4%
Commute Index: 18.5 min avg commute
Top Local Carriers:
Texas Farm BureauState FarmProgressiveGEICO
View Lubbock Car Insurance Rates & Discounts →
$203/mo
Avg Full Coverage: $2,430/yr
Avg State Minimum: $765/yr
Uninsured Drivers: 16.8%
Commute Index: 25.8 min avg commute
Top Local Carriers:
State FarmGEICOProgressiveAllstate
View Denton Car Insurance Rates & Discounts →

Frequently Asked Questions: Texas Auto Insurance

What is the legal minimum car insurance required in Texas?

In Texas, all motor vehicle operators must carry at least 30/60/25 ($30k bodily injury/person, $60k/accident, $25k property damage). Failure to maintain continuous coverage is reported electronically by insurance carriers, leading to driver license suspensions, registration holds, and required SR-22 certificate filings.

What is the difference between state minimum and full coverage in Texas?

State minimum liability only pays for bodily injury and property damage you cause to others in an accident. It covers $0 for damage to your own vehicle. Full coverage combines comprehensive (theft, hail, flood, animal collision) and collision (vehicle-on-vehicle impacts) with liability, ensuring your vehicle is repaired or replaced regardless of fault.

How can I get the cheapest car insurance quotes in Texas?

To unlock the lowest premiums in Texas: (1) Bundle auto insurance with your home or renters policy for up to 25% in savings; (2) Enroll in telematics / usage-based driver monitoring apps; (3) Raise your comprehensive and collision deductible from $500 to $1,000; (4) Compare rates every 6–12 months across top carriers on ClickQuoteSave.

Explore Car Insurance Rates in Other States

Florida (FL) California (CA) Arizona (AZ) Georgia (GA) North Carolina (NC) New York (NY) Illinois (IL) Nevada (NV) Ohio (OH) Colorado (CO) Washington (WA) Pennsylvania (PA) Tennessee (TN) Michigan (MI)
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