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



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 $1,5842 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 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.

U.S. Map with Texas state highlighted

What liability insurance is required in Texas?

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.

What is considered "full coverage" car insurance in Texas?

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.

Is uninsured motorist coverage 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.

Is Texas considered a no-fault insurance state?

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.

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?

Liberty Mutual understands 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.

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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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1Minimum coverage amounts are subject to change.
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.
4Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
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. © 2023 Liberty Mutual Insurance