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Texas

Texas Car Insurance


When it comes to car insurance, Texas is like a bunch of different states flying the same flag. No further proof is needed beyond car insurance rates. You can see state car insurance rates for all Texas cities and towns compared below.

Texas Car Insurance Requirements
Average Car Insurance Rates in Texas

Texas Car Insurance Laws
Car Insurance Companies in Texas

Texas car insurance requirements

Texas state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $30,000/$60,000
Minimum property damage liability $25,000

Texas Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below. Car insurance rate comparison >
Top Cities
Priciest Neighborhoods
In Texas
  • 77091: $1,816
    HOUSTON
  • 77093: $1,815
    HOUSTON
  • 77037: $1,814
    HOUSTON
  • 77028: $1,813
    HOUSTON
 
Cheapest Neighborhoods
In Texas
  • 76901: $1,138
    SAN ANGELO
  • 79567: $1,167
    WINTERS
  • 76957: $1,170
    WALL
  • 79845: $1,175
    PRESIDIO


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What you need to know about car insurance in Texas

Penny Gusner
CarInsurance.com
Consumer Analyst

Texas' minimum requirements for car liability insurance are about average compared with other states and may be adequate if you do not have substantial savings or a home to protect. Otherwise, most experts suggest $100,000 in bodily injury liability coverage ($300,000 per accident) and $100,000 in property damage liability coverage as adequate to protect a family's assets.

Comprehensive coverage recommended due to hailstorms. Texas gets more hailstorms than any other state in the country, and only comprehensive coverage will handle hail damage claims.

Fines, fees and surcharges. You'll pay and pay and pay if you rack up moving violations in Texas. First, you'll have to pay the fine for the violation itself. Then, if your driving record accumulates six points or more, you'll have to pay an annual fee of at least $100. (The surcharge for drunken driving can reach $2,500 a year for three years.) And that doesn't even count what your insurance company will do to your rates. Moving violations stay on your Texas motor vehicle record five years.

Texas Car Insurance Laws

Insurance required to register a car: You must provide valid proof of insurance (or another accepted form of financial responsibility) to the county assessor-collector when registering a vehicle in Texas.

Mandatory discount: Texas requires a 5 percent discount when the principal driver on a policy completes a drug and alcohol awareness training class.

Driving without insurance: You may be fined $175 to $300 and you may be required to file an SR-22 form.

Driving without a license: A first-time offense will get you a fine of up to $200. Third-time offenses can bring the penalty to $500 plus jail time of 72 hours to six months. In addition, Texas' Driver Responsibility Program will charge you an additional $100 per year for three years.

Expired registration: You can normally get dismissed if you get your registration renewed within 20 days of receiving the citation. The fines for the offense usually run between $120 and $180 depending on the jurisdiction where you received the ticket.

Expired inspection sticker: Fines for an expired state inspection come out to about $150. You can drop this to a $20 administrative court fee, however, if your inspection was expired for fewer than 60 days and you renew your inspection within 20 days.

No grace period: In Texas, there is no 30-day grace period after buying a car before you have to obtain insurance.

No age restriction for vehicle ownership: In Texas there is no age restriction to own and register a car, but proof of financial responsibility (liability insurance) is required to obtain registration.

Motorcycle helmets: Texas' mandatory motorcycle helmet law was repealed in 1997, but exceptions remain for riders under 21 or those who lack health insurance.

Electronic proof of insurance: Texas is one of 31 states that allow drivers to show proof of insurance during a traffic stop on a smartphone.

More about Texas car insurance:

Can teens put a title in their name in Texas?
What is the threshold for a total loss in Texas?
Does Texas allow for a diminished value claim?
Do you need a Texas driver's license to register and insure a car in Texas?
SR-22 in Texas

Largest car insurance companies in Texas by market share

Rank Company / Group Direct Premiums Written ($) Market share (%)
1 State Farm Group 2,923,827 19.23
2 Allstate Insurance Group 1,711,014 11.25
3 Farmers Insurance Group 1,651,484 10.86
4 Progressive Insurance Group 1,329,425 8.74
5 Berkshire Hathaway Insurance 1,238,220 8.14
6 USAA Group 1,145,519 7.53
7 Texas Farm Bureau Group 570,737 3.75
8 Nationwide Group 540,909 3.56
9 Home State Insurance Group 528,694 3.48
10 Old Amer Capital Group 457,374 3.01
Source: A.M. Best market share rankings are based on direct premiums written in 2013.

Car Insurance in Texas Cities