What are Texas' car insurance requirements?

Car insurance is required in Texas. Drivers need minimum liability coverage limits of:

  • $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.

Do I need other car insurance coverages in Texas?

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.

Uninsured motorist coverage 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 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, 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 car insurance cost in Texas for a Progressive liability-only auto policy was about $177.* Your rate will vary based on your driving history, location, the limits and coverages you choose, as well as other factors. Get a Texas auto insurance quote through Progressive to learn more about your rates.

What discounts can I get for my Texas car insurance?

Everything's bigger in Texas — including the discounts. Other discounts offered through Progressive include:

  • 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 from 2016 through 2018.

  2. In 2019, 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

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Answer some easy questions and choose coverages.

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