Texas Car Insurance Requirements
Texas requires all drivers to carry liability insurance. The state follows a "30/60/25" minimum coverage requirement. Driving without insurance leads to fines up to $1,000 and license suspension.
Minimum Coverage Requirements
| Coverage Type | Minimum Required | Recommended |
|---|---|---|
| Bodily Injury (per person) | $30,000 | $100,000+ |
| Bodily Injury (per accident) | $60,000 | $300,000+ |
| Property Damage | $25,000 | $100,000+ |
| Personal Injury Protection | Optional | Recommended |
Average Car Insurance Costs in Texas
| City | Annual Average | Monthly Average |
|---|---|---|
| Houston | $2,280 | $190 |
| Dallas | $2,100 | $175 |
| San Antonio | $1,800 | $150 |
| Austin | $1,680 | $140 |
| Fort Worth | $1,920 | $160 |
| State Average | $1,876 | $156 |
Best Car Insurance Companies in Texas
🏆 USAA
Best for: Military families. Lowest rates in Texas. Average: $1,100/year.
🥈 GEICO
Best for: Budget-conscious drivers. Strong online experience.
🥉 Texas Farm Bureau
Best for: Rural Texans. Local Texas company with great rates.
State Farm
Best for: Bundling, agent support. Largest network in TX.
Texas-Specific Discounts
- Defensive Driving Course: Complete state-approved course for 5-10% off
- Multi-Car Discount: Insure multiple vehicles for 10-25% off
- Pay-in-Full Discount: Pay 6-12 months upfront for savings
- Good Driver Discount: Clean record for 3+ years
- Homeowner Discount: Own your home for additional savings
Texas Insurance Laws
- TexasSure: State database verifies insurance coverage
- At-Fault State: The driver who caused accident is responsible
- No Pay, No Play: Uninsured drivers can't sue for pain/suffering
- Proof Required: Must show insurance during traffic stops
Weather Considerations
Texas drivers face unique weather risks that affect insurance:
- Hail Damage: TX leads nation in hail claims. Consider comprehensive coverage.
- Flooding: Standard auto covers flood damage (unlike home insurance)
- Hurricanes: Coastal areas face higher rates