Texas Auto Insurance Costs & Minimum Coverage
Texas requires 30/60/25 liability coverage and is an at-fault state.
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Texas at a Glance
30/60/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Texas operates as a tort state where the at-fault driver is financially responsible for damages. All drivers must carry proof of financial responsibility, verified through the TexasSure electronic verification system that connects insurers directly to the Texas Department of Public Safety.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Cost Overview
$83–$110/mo
Typical monthly rate in Texas, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
The only coverage Texas legally requires. Pays for injuries and property damage you cause to others, but nothing for your own vehicle or medical bills. The 30/60/25 minimum often leaves you personally liable in moderate-to-severe accidents.
Full Coverage
Combines liability, collision, and comprehensive to cover damage to your vehicle from any cause — accidents, theft, hail, vandalism. Costs 2–3 times more than minimum coverage. Only worth the premium if your vehicle value exceeds $5,000–$7,000.
Uninsured Motorist Coverage
Covers your medical bills and lost wages when an uninsured or underinsured driver hits you. You must reject this in writing to exclude it. Adds $8–$20/month but protects against the 14% of Texas drivers who carry no insurance.
Collision Coverage
Pays to repair your vehicle after an accident, regardless of who was at fault. Comes with a deductible of $500–$1,000. Not required by Texas law and often costs more than the vehicle is worth if your car is over 10 years old.
Comprehensive Coverage
Covers non-collision damage like hail, theft, vandalism, and animal strikes. Required by lenders if you finance a vehicle. Deductibles typically $250–$1,000. Least expensive component of full coverage but still adds $25–$60/month.
SR-22 Insurance
Not a coverage type but a state filing proving you carry insurance after a DUI, at-fault accident, or license suspension. Insurers charge a $15–$25 filing fee plus 80–120% higher premiums for three years. Required by the Texas Department of Public Safety to reinstate your license.