Texas Auto Insurance: Minimum Requirements and How to Save in 2026

Texas is the second-largest state in the US and one of CoverToday Insurance Agency's key markets. Whether you are in Houston, Dallas, San Antonio, Austin, Fort Worth, El Paso, or anywhere in the Lone Star State, we can help you find affordable auto insurance that meets Texas requirements — all online or over the phone.

Texas Minimum Auto Insurance Requirements

Texas requires all drivers to carry a minimum of 30/60/25 liability coverage. This means $30,000 for bodily injury per person, $60,000 for total bodily injury per accident, and $25,000 for property damage per accident. Texas law also requires you to carry proof of insurance in your vehicle at all times. Driving without insurance in Texas can result in fines up to $1,000, license suspension, and vehicle impoundment.

Additional Coverage Options for Texas Drivers

Beyond the minimum requirements, Texas drivers should consider uninsured and underinsured motorist coverage (especially important as Texas has one of the highest rates of uninsured drivers in the country), comprehensive coverage for hail, theft, and weather damage (critical in a state prone to severe storms), collision coverage, personal injury protection (PIP), and rental car reimbursement. Texas weather can be unpredictable, with hailstorms causing billions in vehicle damage each year, making comprehensive coverage particularly valuable.

Average Auto Insurance Costs in Texas

Texas drivers pay an average of $1,900 to $2,800 per year for full coverage auto insurance, making it slightly above the national average. Rates vary widely by city — Houston and Dallas tend to have higher rates due to traffic density and weather risks, while smaller cities may see lower premiums. Your driving record, credit history, vehicle type, and coverage level all impact your rate significantly.

How CoverToday Helps Texas Drivers Save

CoverToday Insurance Agency works with multiple carriers to find you the most competitive rates in Texas. We can often save Texas drivers 20 to 40 percent compared to their current premiums by shopping multiple carriers, bundling auto with home or renters insurance, identifying all available discounts, and finding the right coverage balance. We serve all of Texas entirely online and over the phone. Get your free Texas auto insurance quote today by calling (310) 299-5555 or visiting covertoday.com.