Compare in 30 Seconds Auto Insurance in Texas — From $39/mo
Find auto insurance options in Texas. Get a Texas rate comparison in about 30 seconds
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Why compare Auto Insurance in Texas?
Prices can vary widely across providers in Texas. Whether you’re in Houston or Dallas, comparing quotes helps you find better coverage for less.
What you get
- Get a Texas rate comparison in about 30 seconds
- Same-Day Start
- Bundle & Save options where available
Rates in Texas
Typical annual rates start from $470 (based on plans from $39/mo)
Texas raised its minimum liability limits in 2025 to 30/60/25. It's an at-fault state, and uninsured motorist rates are among the highest in the US — around 20% of Texas drivers carry no insurance.
Auto Insurance Requirements in Texas
- Minimum requirement
- 30/60/25
- No-fault state
- No
- SR-22 required
- Yes
- Average annual cost
- $1,560
Estimated Rates by Driver Profile in Texas
Rates vary based on your driving history and profile. Here's what drivers in Texas typically pay:
| Driver Profile | Est. Monthly | Coverage Level | SR-22 Available |
|---|---|---|---|
| Clean record, age 30+ | $39–$55 | Full Coverage | ✓ |
| 1 accident in last 3 years | $60–$82 | Liability+ | ✓ |
| New driver, under 25 | $85–$115 | Basic Liability | ✓ |
| DUI/DWI on record | $110–$155 | SR-22 Required | ✓ |
| Senior driver, 65+ | $45–$68 | Full Coverage | — |
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Get Compare in 30 Seconds plans starting at $39/mo — includes Same-Day Start.
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Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
What is the minimum auto insurance required in Texas?
As of 2025, Texas requires 30/60/25 liability coverage — $30,000 per person, $60,000 per accident, and $25,000 for property damage. This is the legal floor; full coverage is recommended especially in high-traffic areas.
Why is auto insurance expensive in Houston compared to other Texas cities?
Houston consistently ranks among the most expensive cities for auto insurance in the US due to high traffic volume, frequent severe weather events, and elevated uninsured driver rates. Dallas and San Antonio are slightly cheaper.
Can I get same-day auto coverage in Texas?
Yes. Same-day coverage with digital proof of insurance is widely available in Texas through online comparison platforms. You can be covered and legally driving within an hour.
Does Texas require SR-22?
Yes. Texas requires SR-22 filing after DUI/DWI convictions, driving without insurance, or accumulating too many violations. The SR-22 must be maintained for 2 years in most cases.
How do I lower my car insurance rate in Texas?
Compare quotes from multiple carriers — rates can differ by $50+/month for identical coverage. Additional savings come from bundling policies, completing a defensive driving course, or increasing your deductible.
Is Texas a no-fault state for auto insurance?
No. Texas is an at-fault (tort) state, meaning the driver responsible for an accident is liable for damages. This makes liability coverage especially important.