Use this page as a fast TX reference: legal minimum limits, typical monthly premiums, and next steps to estimate your own rate using our calculator.
Texas minimum requirements (state minimum)
Commonly expressed as 30/60/25:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Tip: Minimum coverage is legal compliance, not full financial protection. Many drivers choose higher limits.
Average monthly cost in Texas (reference)
Liability-only: $119/mo
Full coverage: $210/mo
These are statewide averages used as a baseline. Your final price changes with ZIP code, driving record, vehicle, credit tier (where allowed), and coverage choices.
What to do next (fast)
- Open the calculator and select Texas.
- Choose your driver age range and driving record.
- Adjust coverage and deductible to see how the estimate moves.
Disclaimer: informational estimates only. Not insurance advice or a binding quote.