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Texas Car Insurance
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Common questions about Texas auto 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.
What car insurance is required in Texas?
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
Coverage | Amount |
|---|---|
| Bodily Injury Coverage | $30,000 per person and $60,000 per accident |
| Property Damage Coverage | $25,000 per accident |
For more information, check out the Texas Department of Insurance.
What is the average cost of car insurance in Texas?
The average cost of car insurance in Texas is $1,500 per year according to thezebra.com.2 That’s around the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.
Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Texas auto insurance, so you only pay for what you need.
What Texas car insurance coverage is right for you?
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.
What is the best car insurance in Texas?
NerdWallet named Liberty Mutual one of the best car insurance companies in 2020.3 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.
Who has the cheapest car insurance in Texas?
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
- $617 lower than GEICO
- $659 lower than Allstate
- $643 lower than Nationwide