What are the minimum Texas car insurance requirements?

Texas drivers need liability coverage limits of at least:

  • $30,000 in bodily injury per person
  • $60,000 in total bodily injury per accident
  • $25,000 in property damage per accident

You can always choose higher liability limits than what your state requires. It's a good idea to set your limits high enough to cover your total net worth, so your assets are fully protected. Learn more about auto liability insurance.

Texas also recommends uninsured/underinsured motorist bodily injury coverage (UM/UIM BI), uninsured/underinsured motorist property damage (UM/UIM PD), and personal injury protection (PIP) with the following minimum limits:

  • UM/UIM BI: $30,000 per person, $60,000 per accident
  • UM/UIM PD: $25,000 with a $250 deductible
  • PIP: $2,500

Note: These coverages can be rejected.

UM/UIM BI covers medical expenses for you and your passengers if you are hit by a driver with little or no insurance. UM/UIM PD pays for damage an uninsured or underinsured driver causes to your vehicle. PIP also covers your medical costs, as well as lost wages and death benefits, but pays out regardless of who is at fault. As with liability coverage, it's generally a good idea to choose higher limits for these coverages to better protect you and your family's financial well-being.

You could get cheaper car insurance in Texas by combining your home and auto policies with Progressive — new customers who save bundling home and auto save over 20% on average.

Consider comprehensive and collision coverage

Texas requires liability insurance, but not comprehensive 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, you may be required to carry these coverages.

Check out more available auto insurance coverages.

How much is car insurance in Texas?

In 2020, the average cost for a Progressive liability-only auto policy in Texas was about $177.** Your rate will vary based on your driving history, location, the limits and coverages you choose, as well as other factors.

What discounts can I get for my Texas car insurance?

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

  • Multi-car
  • Multi-policy
  • Smart technology
  • Paid in full
  • Online quote
  • Five-year accident-free
  • Teen driver
  • Good student

See all car insurance discounts.

Fast facts about Texas auto insurance

  1. Texas topped the nation for hail damage auto claims, with more than 811,000 in 2019.

  2. In 2018, Texas was ranked second highest for reported motor vehicle thefts in the country. Protect your car from thieves by carrying comprehensive coverage.

  3. In 2015, an estimated 14.1% 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


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