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Car Insurance in Texas: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Texas drivers pay close to the national average for car insurance — about $2,752 a year for full coverage. Texas is an at-fault state with a 30/60/25 liability minimum, and insurers there can use your credit history when setting rates. Here's the coverage you're required to carry, what Texans actually pay, and how to find a cheaper rate.
Avg. full coverage
$2,752/yr
≈2% above U.S. avg.
Avg. minimum coverage
$786/yr
≈7% below U.S. avg.
State minimum
30/60/25
Liability only required
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
+2%
Right around average
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Minimum coverage required in Texas
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $30k / $60k | Per person / per accident |
| Property damage liability | $25k | Required |
| Personal injury protection | Optional | Offered; can be declined in writing |
| Uninsured motorist | Optional | Offered; can be declined in writing |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Texas premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,752/yr | 2% above U.S. | Comp + collision included |
| Minimum coverage | $786/yr | 7% below U.S. | 30/60/25 liability only |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Texas estimated rates by driver profile (2026)
Estimates anchor each profile to Texas's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$2,752/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$3,936/yr | +43% | 2,752 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$3,412/yr | +24% | 2,752 × 1.24 (Bankrate avg) |
| DUI on record | ~$5,174/yr | +88% | 2,752 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$5,504/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$4,678/yr | +70% | 2,752 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Texas: what helps and what hurts your rate
In your favor
- ✓Full-coverage premiums sit just ~2% above the national average
- ✓Minimum-coverage policies run about 7% below the national average
- ✓Relatively robust 30/60/25 minimum gives more baseline protection than 25/50 states
- ✓Large, highly competitive market — lots of carriers and discount programs
Works against you
- ✗Credit history is a rating factor, penalizing drivers with poor credit
- ✗Major-metro traffic (Houston, Dallas, Austin) pushes urban rates well above average
- ✗Hail and severe-weather exposure raises comprehensive premiums
- ✗PIP and uninsured-motorist coverage aren't automatic — easy to end up underinsured
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A closer look at car insurance in Texas
Texas lands near the middle of the pack nationally, but the 'average' hides a wide range: a clean-record driver in a rural ZIP can pay far less than the state average, while a city driver with a ding or two pays much more. Because Texas permits credit-based pricing, improving your credit can move your premium as much as a clean driving record. The state's higher 30/60/25 minimum is a plus, but with PIP and uninsured-motorist coverage optional, drivers who take only the minimum can still be left exposed — making it worth comparing full-coverage quotes across carriers.
Bottom line
Texas is a roughly average-cost state with a stronger-than-typical liability minimum, but credit and location drive big differences between drivers. Comparing several carriers — and cleaning up credit where possible — is the most effective way to land a competitive Texas rate.
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Frequently asked questions about Texas car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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