Texas car insurance

Whether you're deep in the heart of Houston or out on the range in West Texas, you need reliable Texas auto insurance for yourself and your vehicle. Understand the coverage you need for car insurance in Texas and how you can keep costs to a minimum.

3 min to read

What is the minimum car insurance required in Texas?

Texas drivers need liability coverage with the following minimum limits:

CoverageWhat it coversAmount
Bodily injury liability coverageWhat it coversInjuries you cause as a result of an accident.Amount$30,000 per person
$60,000 total per accident
Property damage liability coverageWhat it coversOther people's property you damage as a result of an accident.Amount$25,000 per accident

Additional car insurance coverages to consider if you live in Texas

Texas also requires uninsured/underinsured motorist bodily injury coverage, uninsured/underinsured motorist property damage, and personal injury protection with the following minimum limits, although you may reject these coverages in writing if you don't wish to add them to your policy:

CoverageWhat it coversAmount
Uninsured/underinsured motorist bodily injury coverage (UM/UIM BI)What it coversMedical expenses for you and your passengers if you are hit by a driver with little or no insurance.Amount$30,000 per person
$60,000 per accident
Uninsured/underinsured motorist property damage (UM/UIM PD)What it coversDamage to your property an uninsured or underinsured driver causes.Amount$25,000 with a $250 deductible
Personal injury protection (PIP)What it coversYour medical costs after an accident, as well as lost wages and death benefits, regardless of who is at fault.Amount$2,500

You could get cheaper car insurance in Texas by bundling your home and auto insurance policies — new customers nationwide who switch and save with Progressive save over 20% on average when they bundle their home and auto.*

Consider comprehensive and collision coverage

Texas requires liability insurance, but not comprehensive coverage or collision coverage. Still, buying comprehensive and collision coverage is a smart idea, especially if your car is more expensive. These coverages will pay for the repair or replacement of your vehicle if it's in an accident, stolen, or otherwise damaged as a result of a covered incident. If you're leasing or financing a car, your lender may require you to carry these coverages.

Check out more available auto insurance coverages.

Pro tip:

Use our car insurance calculator to help estimate how much coverage you need, including the limits and deductibles that may make sense for you.

How much is car insurance in Texas?

In 2021-2022, the average cost for a Progressive liability-only auto policy (single driver/single car) in Texas was about $108.** Your rate will vary based on your driving history, location, the limits and coverages you choose, and other factors. Get a Texas auto insurance quote through Progressive to learn more about your rates.

Learn more about the factors that impact car insurance rates.

What discounts can I get for my Texas car insurance?

Everything's bigger in Texas — including the discounts. Here are just a few ways you can save with Progressive:

Loyalty-based discounts

Earn our multi-policy discount when you combine any two Progressive policies, such as bundling home and auto. Learn more about Texas homeowners insurance from Progressive.

Have a teen driver on your policy? We'll help offset the cost of insuring them with our teen driver discount as well.

Driver-based discounts

Our good student discount can save you more if you have a student attending school more than 100 miles from home and doesn't have their own car on campus. Own your own home? Then you can grab our homeowner discount too.

Quote & buy discounts

When you pay for your policy upfront, you'll earn our paid in full discount. You can also earn a discount just for quoting online!

See all car insurance discounts.

Pro tip:

Drivers nationwide who switch and save with Progressive save nearly $750 on average.* Get a car insurance quote today.

Fast facts about Texas auto insurance

  1. Texas led the nation in major hail events in 2022, making it one of the states with the highest number of hail damage auto claims.

  2. In 2020, Texas was ranked second highest for reported motor vehicle thefts in the country. Protect your car from thieves by carrying comprehensive coverage.

  3. In 2019, an estimated 8.3% of Texas drivers were uninsured. With uninsured motorist coverage, you're protected if the other driver can't pay.

How to get car insurance in Texas


Answer some easy questions and choose coverages.

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Call 1-866-749-7436

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Need local advice? We'll connect you with a licensed independent agent near you.

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Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.