Find My Rate
Field report · TX

Car insurance in Texas

Texas is an at-fault state with a minimum liability requirement of 30/60/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage30/60/251
Fault systemAt-fault1
Uninsured motoristMust be offered1
RegulatorVehicle registration/titling: Texas Department of Motor Vehicles (TxDMV); driver licenses: Texas Department of Public Safety (TxDMV does not handle driver licenses, a common point of confusion)

What the minimums actually mean

$30,000 per injured person, $60,000 total per accident for injuries, and $25,000 for property damage - in place since 2011 and unchanged for 2025-2026.

Not mandatory; insurers must offer UM/UIM, but declining it requires a signed, state-prescribed written form - a verbal rejection isn't valid, and courts often apply UM/UIM by default if no valid signed rejection exists.

Estimated cost

$786 a year for minimum coverage, $2,751 for full coverage2

Average annual premiums in Texas for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Texas does require SR-22 filings (unlike some neighboring states), typically after a DUI/DWI conviction, driving without insurance, or an at-fault accident while uninsured.

Local conditions worth knowing

Texas leads the nation in hail-damage insurance claims, with the Dallas-Fort Worth Metroplex sitting in one of the most hail-active regions in North America, plus substantial Gulf Coast hurricane exposure.

Frequently asked

What is the minimum car insurance requirement in Texas?
Texas requires liability limits of at least 30/60/25. $30,000 per injured person, $60,000 total per accident for injuries, and $25,000 for property damage - in place since 2011 and unchanged for 2025-2026.
Is Texas an at-fault or no-fault state?
Texas is an at-fault state for car insurance claims.
Do I need an SR-22 in Texas?
Texas does require SR-22 filings (unlike some neighboring states), typically after a DUI/DWI conviction, driving without insurance, or an at-fault accident while uninsured.
Is uninsured motorist coverage required in Texas?
Not mandatory; insurers must offer UM/UIM, but declining it requires a signed, state-prescribed written form - a verbal rejection isn't valid, and courts often apply UM/UIM by default if no valid signed rejection exists.

Sources

  1. Texas Department of Insurance, Auto insurance guide.
  2. Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

See what fits your situation in Texas

Two minutes, no phone number required until the last step.

Start the match →