What is the minimum car insurance required in Texas?

Texas requires 30/60/25 — $30K BI per person, $60K BI per accident, $25K property damage. Driving without minimum coverage results in license suspension, fines of $500+, and personal liability for any damages. The minimum is the legal floor — most drivers benefit from higher liability limits because state minimums often don't fully cover damages from a serious accident.

What is the average cost of car insurance in Texas?

Texas drivers pay an average of $208/month ($2,500/year) for full coverage and $65/month ($786/year) for minimum coverage. Your specific quote depends on your age, driving record, credit (where allowed), vehicle, and ZIP code — averages are useful for comparison but always quote 3+ carriers for your real rate.

Which car insurance company is cheapest in Texas?

For minimum coverage, Texas Farm Bureau is cheapest at $35/month ($424/year average). Note: Membership required ($30–$70/yr farm bureau dues). State Farm cheapest national carrier at $41/mo. For full coverage, Texas Farm Bureau averages $110/month ($1,321/year). State Farm leads national carriers at $95/mo full coverage in TX.

How can I lower my car insurance in Texas?

Five proven tactics: (1) Quote 3+ carriers — switching saves the average driver $300–$500/year. (2) Bundle auto + home for 10–25% off (State Farm leads at 22–23%, ~$1,010/yr avg savings). (3) Increase your deductible from $500 to $1,000 — saves 15–30%. (4) Use telematics — Progressive Snapshot saves safe drivers $322/yr avg, up to 30% off. (5) Stack discounts — multi-vehicle, good driver, paperless, autopay, and pay-annually compound to 30%+ off baseline. In Texas specifically, uses credit-based insurance pricing (allowed).

Do I need uninsured motorist coverage in Texas?

Texas doesn't legally require uninsured motorist coverage, but it's strongly recommended. Roughly 12–25% of drivers nationally are uninsured (varies by state). UM coverage pays your medical bills and car repairs if you're hit by an uninsured or underinsured driver. It typically costs $5–$15/month and is one of the highest-ROI coverages you can add.

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Verified May 1, 2026·47,000+ readers·Independent rankings

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Quick Answer — Texas

Minimum coverage required: 30/60/25 — $30K BI per person, $60K BI per accident, $25K property damage
Avg full coverage cost: $208/month ($2,500/year)
Cheapest carrier (minimum): Texas Farm Bureau — $35/mo avg
Cheapest carrier (full coverage): Texas Farm Bureau — $110/mo avg

What's special about car insurance in Texas

Uses credit-based insurance pricing (allowed)
Hail damage is a major comprehensive-coverage cost driver — central TX especially
Texas Farm Bureau is consistently cheapest but requires farm bureau membership ($30–$70/yr)
State Farm dominates both market share and best national-carrier pricing

Texas car insurance at a glance

Feature	Detail	Monthly	Annual
Minimum coverage required	30/60/25 — $30K BI per person, $60K BI per accident, $25K property damage	—	—
Avg minimum coverage cost	$65/mo	$786/yr	—
Avg full coverage cost	$208/mo	$2,500/yr	—
Cheapest carrier (minimum)	Texas Farm BureauBest	$35/mo	$424/yr
Cheapest carrier (full coverage)	Texas Farm BureauBest	$110/mo	$1,321/yr

Which carrier should Texas drivers pick?

Match your situation to the right carrier. Texas-specific pricing varies by carrier, but the patterns below hold for most drivers.

You want the absolute cheapest minimum coverageTexas Farm BureauCheapest in Texas at $35/mo. Membership required ($30–$70/yr farm bureau dues). State Farm cheapest national carrier at $41/mo.
You want full coverage at the lowest priceTexas Farm Bureau$110/mo full coverage in Texas. State Farm leads national carriers at $95/mo full coverage in TX.
You qualify for USAA (military / veteran / family)USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
You bundle auto + homeState Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
You drive defensively + would let an app monitorProgressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
You have a high-risk record (DUI, accidents, tickets)ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.

Verified by the WalletGrower Editorial Team — current as of July 2026. We update rates, bonuses, fees, and product details regularly against each provider's published disclosures. Vendors can change offers between our update cycles, so we always recommend confirming the current published rate or bonus on the provider's site before signing up or applying.

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Methodology & sources

All Texas data on this page was WebSearch-verified May 2026 against the Texas insurance commissioner / DMV and at least one of the following 2026 carrier analyses:

Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.