Texas Auto Insurance Guide 2025
Shopping for Texas car insurance this year? New minimum limits, higher SR-22 fees and record claim costs make comparison even more important. Enter your ZIP below to see real-time quotes from GEICO, Progressive, The General and more (see how to get a Geico quote online), then jump straight to minimum-requirement tables, SR-22 rules and the cheapest insurers in every metro.
Compare Texas Rates by ZIP Code
Select liability-only or full coverage and start saving in less than a minute. For top picks nationwide, visit our list of best rated insurance companies.
Cheap Liability or Full Coverage
Live rates from top Texas insurers.Texas Minimum Requirements (Quick View)
The state now mandates $30k / $60k / $25k liability limits. Full chart, penalties and the cheapest compliant policies → Texas minimum car insurance requirements 2025.
Cheapest Companies in 5 Major Metro Areas
- Houston – from $41/mo
- Dallas/Fort Worth – from $38/mo
- San Antonio – from $36/mo
- Austin – from $34/mo
- El Paso – from $33/mo
Want to compare more ZIP-specific options? Try our interactive tool to compare auto insurance quotes by ZIP code across the U.S.
Texas SR-22 & High-Risk Drivers
Need an SR-22 after a DUI or lapse? The filing itself is ≈$25, but premiums jump. Compare Texas SR-22 rates to cut the increase by up to 40 %.
Top Discounts You Might Be Missing
- Telematics (Snapshot, DriveSafe) – 10-25 % off (see Progressive insurance quotes)
- Defensive-driver course – avg. $30 one-time, 3-year discount
- Multi-policy (home + auto) – up to 20 %
- Pay-in-full or automatic EFT – 5-8 %
FAQ – Texas Auto Insurance 2025
Does Texas use credit scores for auto rates?
Yes. Credit scores influence pricing tiers, but insurers cannot deny a policy solely because of poor credit.
Is PIP required in Texas?
Personal Injury Protection (minimum $2,500) is included automatically unless you decline it in writing.
How long must I keep an SR-22 on file?
The Texas DPS typically requires continuous SR-22 coverage for two years from the date of conviction or suspension.