Texas car insurance: requirements & free quotes
Texas is an at-fault state with a 30/60/25 minimum. Insurers must offer personal injury protection, and hail, flooding and hurricanes make Texas one of the states where comprehensive coverage matters most.
Minimum coverage in Texas
$30,000
Bodily injury per person
$60,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $30,000 per person / $60,000 per accident
Property damage liability $25,000 per accident
Shown as 30/60/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Texas
- PIP is included unless you reject it in writing, and it pays your medical bills regardless of fault.
- Comprehensive coverage protects against hail and flood damage.
- Uninsured/underinsured motorist coverage must be offered and is worth keeping.
- Ask about defensive-driving course discounts.
We connect drivers across Texas
Including Houston, San Antonio, Dallas, Austin and Fort Worth — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Texas car insurance FAQ
No. Texas is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.