Short answer: car insurance in Texas depends on your ZIP code, coverage level and driver/home profile. Texas's state minimum car insurance is 30/60/25. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in Texas is about $1,429 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
Texas car insurance basicsTexas is an
at-fault (tort) state for auto insurance. Minimum car insurance in Texas:
30/60/25 — $30k bodily injury/person, $60k/accident, $25k property damage. Statewide average premium:
~$1,429/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in Texas
Texas car insurance FAQ
How much is car insurance in Texas?
The average annual car insurance premium in Texas is about $1,429 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in Texas?
Compare multiple carriers, bundle policies, and check local Texas discounts. Get free quotes in a couple of minutes.
Also compare home insurance in Texas →