Texas Car Insurance FAQ - Quick Answers

On average, a Texas driver will pay $1,449 per year on car insurance. This is higher than the national figure of $1,311 annually. For exact costs, consult with a local adviser that can quote with multiple carriers at once.

In Texas, insurance follows the car, which means if another driver lends you their vehicle, then you're also borrowing their insurance. There are exceptions to every rule, so seek counsel when necessary.

Car insurance in Texas will vary from driver to driver, but some common coverage options are listed below:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for damage to your car due to a non-collision event such as a flood or storm.
  • Collision: Pays for damage to your car from a collision with another driver where you are at fault.

In Texas, 14.1% of all drivers don't have any auto coverage. One way to protect you and your loved ones is by having uninsured motorist coverage on your policy. This helps pay for damage or injuries you may incur due to a collision with an at-fault uninsured driver. 

In Texas, car insurance laws are mandated by the state at the following minimum coverage requirements:

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

To find the best car insurance, you need to know where to start. In Texas, Progressive, Travelers, Nationwide, and State Auto insurance companies are among the best. These carriers are known for their excellent coverage selection and speedy claims processing. 

Yes. Most states have carriers that specialize in insuring classic cars. Texas works with numerous insurance companies that could help protect your classic vehicle. 

Do You Know What Your Car Insurance Covers in Texas?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting  25.4 Min

National average car thefts per 1,000 2.29 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000 vehiclesAnnual insurance cost
Amarillo18.24.83$1,472
Arlington27.43.1$1,514
Austin24.53.07$1,396
Corpus Christi19.42.71$1,330
Dallas27.17.52$1,684
El Paso23.21.24$1,248
Fort Worth27.23.65$1,533
Garland29.53.98$1,566
Grand Prairie29.12.55$1,531
Houston27.75.56$1,605
Irving24.22.89$1,446
Laredo20.70.97$1,154
Lubbock16.64.73$1,412
Plano26.81.53$1,312
San Antonio24.74.99$1,549