Best Auto Insurance in Texas (2025)
Compare top-rated auto insurance companies in Texas. Find affordable coverage that meets TX state requirements and save up to 40% on your premium.
$1,823
Avg. Annual Premium
30/60/25
Minimum Coverage
Houston
Largest City
30.0 million
Population
Texas Auto Insurance Requirements
Texas has the most highway miles of any state, contributing to higher accident rates and insurance costs.
Minimum Liability Coverage: 30/60/25
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Texas
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Texas can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Texas use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Texas Auto Insurance FAQs
What is the minimum auto insurance required in Texas?
Texas requires minimum liability coverage of 30/60/25 (bodily injury per person/per accident/property damage). Texas has the most highway miles of any state, contributing to higher accident rates and insurance costs.
How much does car insurance cost in Texas?
The average annual car insurance premium in Texas is $1,823. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Texas?
Key factors affecting Texas auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Houston typically pay more than those in rural areas.
How can I find cheap car insurance in Texas?
To find affordable car insurance in Texas: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free Texas Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
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