Texas car insurance

Whether driving through the city streets of Houston or out on the range in West Texas, all roads lead to Progressive, where you'll find reliable Texas auto insurance for yourself and your vehicle. Understand the coverage you need for car insurance in Texas and how to keep costs minimal.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Texas' minimum auto insurance requirements?

Drivers in Texas are required to have auto liability coverage (BI liability and PD liability) at the following minimum car insurance limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$30,000 per person $60,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident

Texas also requires insurers to offer uninsured/underinsured (UM/UIM) bodily injury and property damage coverage and personal injury protection (PIP) with the following limits, though you may reject or lower these coverages via a signed form if you don't want them.

Coverage	What it covers	Minimum amount
UM/UIM bodily injury	What it coversYour medical expenses an uninsured or underinsured driver causes	Minimum amount$30,000 per person $60,000 per accident
UM/UIM property damage	What it coversDamage to your property an uninsured or underinsured driver causes	Minimum amount$25,000 with a $250 deductible
Personal injury protection (PIP)	What it coversYour medical costs due to an accident, plus lost wages and death benefits, regardless of who's at fault.	Minimum amount$2,500

These are Texas' minimum required car insurance limits, but higher coverage amounts may better protect your family's financial well-being. Learn how much car insurance you may need based on your circumstances and preferences.

Is Texas a no-fault state?

No. Texas is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. However, drivers in Texas can choose to carry PIP coverage to cover their own and their passengers' injuries in an accident, regardless of who's at fault. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Texas?

For a liability-only policy from Progressive, car insurance costs an average of $105 per month in medium-cost states like Texas.^* That said, your insurance rate will depend on several car insurance cost factors like where you live, your driving history, and the limits and coverages you choose.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.^† Get an auto insurance quote today.

What is the best car insurance in Texas?

Finding the best car insurance in Texas means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Texas get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.^**

If you're looking for the cheapest car insurance in Texas, compare rates for the same coverages from different insurers. Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:

Allstate customers who switch and save with Progressive save $920 on average^††
GEICO customers who switch and save with Progressive save $757 on average^§
State Farm customers who switch and save with Progressive save $661 on average^‡

How do I lower my car insurance cost in Texas?

To lower your car insurance cost in Texas, you may qualify for the following discounts through Progressive:

Multi-policy
Quoting online
Teen driver
Homeowner
Good student
Paid in full

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Texas is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Texas' state-required coverages. Comprehensive and collision pay to repair or replace your car, regardless of fault, if it's in an accident, stolen, or otherwise damaged as the result of a covered incident.

It also makes sense to add these physical damage coverages for protection in case you cause an accident and have to pay for your car's major repairs or a replacement vehicle.

To find out all the coverages recommended for your circumstances, explore our car insurance coverages, and use our car insurance calculator.

Texas driving resources

From Houston to San Antonio, get to know Texas' driving laws and resources. These resources apply to Dallas, Austin, Fort Worth, and everywhere in between. Local municipalities may have additional laws and resources.

Texas Department of Motor Vehicles: Find out how to get or renew your Texas license and registration.
Texas Department of Transportation driving safety and laws: Discover Texas driving safety laws and regulations regarding DUI/DWI, speed limits, distracted driving, and tips for highway driving.
Texas Department of Public Safety driver FAQs: Learn more about the Texas Driver License Division, where you can renew and replace a drivers license, change your address, and apply for a teen driver's license, among other services.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.