Texas drivers land close to the national average on auto insurance — roughly $2,752 a year for full coverage. The state follows an at-fault model with a 30/60/25 liability minimum, and insurers there are allowed to weigh your credit history when pricing policies. Here's the coverage you must carry, what Texans actually pay, and how to track down a cheaper rate.
Texas runs on an at-fault (tort) basis, so whoever causes a crash owes for the damages, and the state's 30/60/25 minimum sits higher than the bare floors in many other states. Personal injury protection and uninsured-motorist coverage aren't required but must be offered — you have to waive them in writing. At roughly $2,752 a year for full coverage, Texas lands just over the national average, with large gaps between rural and big-city premiums and between carriers, since credit history is a permitted rating factor here.
The coverages below are the minimum a driver must legally carry in Texas. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $30k / $60k | Per injured person / per crash |
| Property damage liability | $25k | Mandatory |
| Personal injury protection | Optional | Offered; may be waived in writing |
| Uninsured motorist | Optional | Offered; may be waived in writing |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,752/yr | 2% above U.S. | Comprehensive and collision included |
| Minimum coverage | $786/yr | 7% below U.S. | Liability only at 30/60/25 |
Estimates apply national rate-increase multipliers to Texas's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$2,752/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$3,936/yr | +43% | 2,752 × 1.43 per Bankrate |
| Speeding ticket | ~$3,412/yr | +24% | 2,752 × 1.24 per Bankrate |
| DUI on record | ~$5,174/yr | +88% | 2,752 × 1.88 per Bankrate |
| Young driver (18–24) | ~$5,504/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$4,678/yr | +70% | 2,752 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Texas falls near the national middle, but that 'average' masks a broad range: a clean-record driver in a rural ZIP can pay well under the state figure, while a city driver with a ding or two pays much more. Since Texas allows credit-based pricing, strengthening your credit can shift your premium as much as a spotless driving record. The state's higher 30/60/25 minimum is a plus, yet with PIP and uninsured-motorist coverage optional, minimum-only drivers can still be left exposed — which is why comparing full-coverage quotes across carriers is worthwhile.
Texas is a roughly average-cost state paired with a stronger-than-usual liability minimum, but credit and location create big differences between drivers. Weighing several carriers — and tidying up your credit where you can — is the most effective path to a competitive Texas rate.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Texas are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Texas insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.