Texas car insurance

View of the city with cars driving on a highway

Common questions about Texas
auto insurance

Need car insurance in Texas? Whether you live in the Panhandle or the Gulf Coast, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you 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 car insurance coverage for

Bodily Injury to others
Property Damage Liability

Here are the minimum auto insurance limits drivers must have 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.

What's considered "full coverage" car insurance in Texas?

"Full coverage" car insurance can mean different things to different people. Legally, in the state of Texas you're only required to have the state Liability minimums of 30/60/25.

However, "full car coverage" or "full coverage" is often thought of as having the state minimums and

Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

We'll make sure you get the coverage you need in Texas when you get an online auto insurance quote.

What liability insurance is required in Texas?

Texas law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.

Drivers must have a car insurance policy with the minimum coverages of

Bodily Injury Liability: $30,000 per person and $60,000 per accident
Property Damage Liability: $25,000 per accident

You may see this written as 30/60/25.

Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.

Is Texas a no-fault insurance state?

No, Texas is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.

Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Texas drivers may want to consider additional coverages

These coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In Texas, drivers must opt out of these coverages in writing when buying a car insurance policy.

What's the average cost of car insurance in Texas?

The average cost of car insurance in Texas was $2,115³ in 2024 according to thezebra.com. That's 18% higher than 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 minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Texas auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

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