Texas Car Insurance: Minimum Requirements & Typical Costs

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.

Open the main calculator Back to states

What to do next (fast)

  1. Open the calculator and select Texas.
  2. Choose your driver age range and driving record.
  3. Adjust coverage and deductible to see how the estimate moves.

Disclaimer: informational estimates only. Not insurance advice or a binding quote.

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Tip: Use the main calculator to estimate your personal range.