Minimum Car Insurance Requirements in Texas

By law, all drivers in Texas must have insurance on their vehicles. If you don’t drive that often, or can’t afford a lot of car insurance, you’re probably looking at cheap car insurance options. The minimum requirement for car insurance in Texas is:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

This is the lowest amount of coverage Texas drivers are legally allowed to have. Keep in mind that if multiple people are involved in an accident you caused, you could end up paying millions of dollars in medical bills and property damages.

Some drivers who don’t drive as often will supplement this risk by increasing their health insurance to cover other people. There is more optional coverage Texas drivers can get on their car insurance, but keep in mind that the minimum coverage may not cover:

• Uninsured or underinsured motorist coverage
• Uninsured motorist property damage
• Personal injury protection (PIP)
• Additional medical coverage
• Comprehensive coverage
• Collision coverage
• Rental car reimbursement
• Roadside assistance

Cheap Car Insurance in Texas

On average, Texas drivers pay around $1,400 a year for their car insurance. This can change depending on several factors such as:

• Your age and sex
• Marital status
• Where you live
• Your credit
• Your driving history
• The kind of vehicle you want to insure

So even if you have great credit and a clean driving record, you could still end up paying more in insurance if you have a certain type of car. Be sure to understand what aspects of your personal profile might be increasing your insurance premium.

There are a few options if you’re looking to save money on car insurance. Before you opt for the cheapest quote you can find, you can do some other things to save on car insurance. This way, you won’t have to compromise coverage for price. Before purchase cheap car insurance, be sure to:

• Get multiple quotes before you buy
• Check out the price of insurance before you buy a car
• See if you can bundle your insurance
• Ask your provider what discounts they offer
• Raise your deductible 
• Change your payment options on your insurance
• Be a safe driver

Even avoiding something as small as a speeding ticket can save you big on car insurance. Ask your insurance provider or call Quote Purple to see what kind of discounts you can get when you sign up for auto insurance. 

If you do have a violation, or something on your personal driving profile that will increase your insurance, be sure to look at what different providers specialize in. For instance, there are certain insurance providers that specialize in young drivers, and offer discounts and programs that could benefit them such as accident forgiveness.

Cheapest Car Insurance Companies in Texas

Here is a list of the cheapest car insurance in Texas for a middle-aged driver with a clean history and good credit. 

Texas Farm Bureau	$1,210
GEICO	$1,300
Progressive	$1,370
State Farm	$1,500
Mercury	$1,790

Your auto insurance premium can also change depending on where you live. As the largest state in America, Texans may find that their insurance can drastically change depending on where exactly they live. 

For instance, a recent poll showed that the people of Houston pay around $2,800 a year. This is a huge contrast in comparison to the people of Austin who pay around $2,200 a year for car insurance.

Please note: These numbers show a collective average that includes all driver profiles, not the average amount of car insurance for a good driver with a clean history.

Want to Save More on Car Insurance?

Working with your insurance provider can ensure you get the best quote for your money. If don’t have car insurance yet and want to shop around, let Quote Purple help you compare quotes from any company you choose.