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 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.1



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

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.

Does Texas require Uninsured/Underinsured Motorist Coverage?

No. Uninsured/Underinsured Motorist Coverage is not required in Texas. Although, not required, these coverages can help protect you if you're in an accident with an underinsured or uninsured driver.

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

The average cost of car insurance in Texas was $1,5842 in 2021 according to thezebra.com. That's 4% 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.

U.S. Map with Texas state highlighted

What Texas car insurance coverage is right for you?

All Texas drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits 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's the best car insurance in Texas?

Liberty Mutual knows that everyone has different needs for their Texas auto insurance. Some may want the cheapest Texas car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Texas car insurance, so you only pay for what you need.

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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.3

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.4

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Convenience and savings — need we say more? Combine your policies and get a discount.5


Get rewarded for your good driving behavior by saving up to 30% on your policy.6

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1See Texas DOI for more information: https://www.tdi.texas.gov/consumer/auto-insurance.html
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
4NOT AVAILABLE IN CA, NY, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
5Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
6The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance