Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Texas apart
At-fault; hail, flood, and uninsured (~20%) all push rates above average.
Minimum vs. full coverage in Texas
What each coverage level costs on the Texas average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $840 | $70 |
| Liability Only | $1,350 | $112 |
| Full | $2,460 | $205 |
| Full Low Deductible | $3,000 | $250 |
Minimum coverage saves about $1,621/yr vs full — but caps protection at 30/60/25. One at-fault crash above those limits and the gap is yours.
Texas car insurance FAQ
- What's the minimum car insurance required in Texas?
- Texas's state minimum is 30/60/25 — $30k bodily injury per person, $60k per accident, $25k property damage. Minimum-only runs about $840/yr but leaves you exposed above those caps.
- How much is full coverage in Texas?
- Representative full coverage averages $2,461/yr (about $205/mo), ranking Texas #39 of 51 states for cost.
- Why is Texas car insurance priced the way it is?
- At-fault; hail, flood, and uninsured (~20%) all push rates above average.