Car Insurance in Texas (2026)
Texas is one of the most expensive states for car insurance at approximately $2,800 per year for full coverage. The sheer size of the state means more driving miles, and Texas experiences severe weather from hailstorms to hurricanes along the Gulf Coast. An estimated 14% of Texas drivers are uninsured. Texas is an at-fault state and one of the largest auto insurance markets in the country. With so many carriers competing, comparing quotes is essential — rate differences of $1,000+ between carriers for identical coverage are common.
$2,800
$233/mo
30/60/25
BI per person/accident/PD
+21%
Above average
GEICO
Most popular in state
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Top Car Insurance Companies in Texas
Texas Minimum Coverage Requirements
Texas requires minimum liability coverage of 30/60/25: $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage per accident.
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in Texas
Texas Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the Texas Department of Insurance and get personalized quotes from carriers.