Texas Car Insurance

Need car insurance in Texas? Whether you live in the Panhandle or the Gulf Coast, Liberty Mutual Insurance has you covered. From liability protection to comprehensive coverage, we customize your Texas auto insurance, so you only pay for what you need.

In Texas, it’s illegal to drive without insurance. Drivers in Texas are required to have the following car insurance coverage: bodily injury, and property damage.

This chart shows the minimum auto insurance drivers are required to have in Texas.¹

Texas law only requires that you carry car insurance that protects others in the event you cause bodily harm or property damage to them. It is often referred to as “liability insurance,” and it is important to understand that this coverage does not cover you, your car, or your personal belongings.

As shown in the table above, drivers must have a car insurance policy that covers at minimum $30,000 of coverage for injuries per person and $60,000 per accident, and $25,000 for property damage per accident. You might see this described as 30/60/25.

Keep in mind that this is the minimum liability coverage required by law. You may want to increase these amounts and consider other types of coverages to reduce your financial risk.

To be “fully” covered by law in Texas simply requires buying a car insurance policy that meets the state’s required minimum coverages of 30/60/25.

However, “full car insurance” is often described as meeting your state’s required minimums plus adding comprehensive insurance (helps pay for damages sustained by events such as hail, fire, or theft) and collision insurance (helps cover the cost to fix damage to your car from an accident with another car).

If you lease or finance your car, you may be required to add comprehensive and collision coverages to your policy.

When you get an online auto insurance quote, we’ll make sure you’re covered based on what is required in Texas.

No, uninsured or underinsured motorist coverage is not required by law in Texas. Insurance companies, however, must offer you the opportunity to add it to your policy and it must be rejected in writing if you don’t want it.

Keep in mind that the insurance of the driver who is at fault typically helps cover the cost of damages. Without uninsured or underinsured motorist coverage, you could be stuck with the bill if they don’t have enough coverage.

No, Texas is not a no-fault insurance state. This means that the driver who caused an accident is also responsible for paying the cost of damages.

For this reason, drivers in Texas should strongly consider coverages such as personal injury protection (PIP) and uninsured motorist coverage. These two coverages give you some financial protection if you are involved in an accident with an underinsured or uninsured driver. While these are technically optional coverages, they are highly recommended and must be opted out of in writing when buying your car insurance policy.

The chart above shows the minimum Texas auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We’ll help you customize your Texas car insurance to get the coverage that fits you. See all of our auto coverage options.

NerdWallet named Liberty Mutual one of the best car insurance companies in 2022.³ That’s because we understand that everyone has individual needs when it comes to their Texas auto insurance. Some might want the cheapest Texas car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Texas car insurance, so you only pay for what you need.

Start your free quote

Getting the cheapest car insurance in Texas may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that’s affordable, but even more importantly — reliable, in case you have an accident.

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