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Auto Insurance · State Guide

Published: January 12, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
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Texas Auto Insurance

Average auto insurance rates in Texas, minimum requirements, and the cheapest carriers.

  • State: Texas (TX)

Auto insurance in Texas

Texas drivers pay an average of $1,810 a year for full-coverage auto insurance, slightly above the national average. Your actual rate depends on your zip code, driving history, vehicle, and the deductible you choose. Larger deductibles lower your premium but raise your out-of-pocket cost when you file a claim.

Major carriers like GEICO consistently offer some of the most competitive rates in Texas, particularly for safe drivers with strong credit. For drivers looking for the cheapest auto insurance, the savings spread between carriers in this state can exceed $700 a year for the same coverage.

Texas minimum coverage requirements

Texas requires drivers to carry at minimum 30/60/25 liability — that’s $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. Most drivers should carry significantly more than the minimum; serious accidents routinely exceed those limits.

If you’re financing or leasing a vehicle, your lender will also require comprehensive and collision coverage. To find the best auto insurance for your situation in Texas, compare quotes from at least three carriers.