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Compare car insurance in Texas

Get the cheapest car insurance in Texas for 2021

The average annual cost of car insurance in Texas is $1,372.25. Narrow down car insurers offering coverage in Texas by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Compare up to 4 providers

Texas drivers pay an average of $1,372.25 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $114.35 per month. Texas drivers pay about 15% more than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Texas car insurance quick facts

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Minimum liability requirements

30/60/25

Average annual car insurance cost according to the NAIC

$1,372.25

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Bodily Injury Liability

Texas bodily injury liability

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury per accident

Texas requires $30,000 in bodily injury liability per person and $60,000 of bodily injury per accident to legally drive. It’s not the highest requirement across the US, but it is more than the typical 25/50 requirement.

This means $30,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $60,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

Property damage liability

Texas property damage liability

  • $25,000 property damage liability

Texas requires drivers to carry $25,000 of property damage liability to legally drive. This limit is the highest property damage liability requirement, though it’s common among the states.

This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

Finder tip: Texas state minimum coverage usually isn’t enough

These state-mandated requirements are the lowest amount of coverage you need to legally drive in Texas, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

Top 10 most popular Texas auto insurance companies list

It’s no surpise you’ll see most of the big name car insurance companies rank top of the list for the most popular Texas insurance companies.

CompanyDirect premiums written (billions)Market share
State Farm$3,399,13115.0%
Geico$2,971,25613.1%
Allstate$2,641,88811.7%
Progressive$2,535,00211.2%
USAA$1,913,6528.4%
Farmers$1,852,2748.2%
Liberty Mutual$1,180,9835.2%
Texas Farm Bureau$739,3593.3%
Consumers County Mutual$578,6662.6%
Nationwide$404,2171.8%

Which city has the cheapest car insurance in Texas?

Of Texas’s largest cities, Keller has the cheapest rates and Houston has the most expensive car insurance rates. Houston drivers could face rates 3 times more than Keller drivers.

Car insurance quotes in El Paso

CompanyAnnual car insurance rate
Allstate$2172
Geico$2897
StateFarm$1279
USAA$2295
State Auto$3405

Car insurance quotes in Houston

CompanyAnnual car insurance rate
Allstate$2368
Geico$3353
StateFarm$1450
USAA$2540
State Auto$4165

Car insurance quotes in Katy

CompanyAnnual car insurance rate
Allstate$2368
Geico$3219
StateFarm$1422
USAA$2605
State Auto$3815

Car insurance quotes in Keller

CompanyAnnual car insurance rate
Allstate$2204
Geico$3045
StateFarm$1301
USAA$2108
State Auto$3458

How does personal injury protection (PIP) work in Texas?

PIP isn’t required for Texas drivers. You can choose from $2,500 up to $10,00 per person in coverage. PIP coverage in Texas covers 100% of medical expenses and funeral costs and up to 80% in lost income and related expenses such as childcare, house cleaning or yard work.

When you file a claim for PIP coverage, you’ll file through your own insurance as your primary coverage, regardless of who caused the accident. You might be asked to provide proof of these expenses when you make your claim.

Can I get SR-22 insurance in Texas?

Yes. You might need to file for an SR-22 in Texas if you’ve had a DUI conviction, are caught driving without insurance or accumulate too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

Bottom line

Car insurance is designed to protect you, your passengers and your vehicle against bumps in the road. Unlike other states, Texas requires only minimum liability coverage to legally drive its expansive roads. But with so much scenery to take in from the state’s nearly 700,000 miles of highway, you might want the broader protection of comprehensive and other optional coverage to protect against the unexpected. (The state’s not part of Tornado Alley for nothin’.)

To learn more about how you can stop paying too much for coverage, read our comprehensive guide to car insurance.

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