Texas Auto Insurance Guide
Shopping for Texas auto insurance in 2025 means balancing the state’s required 30/60/25 liability limits with real-world risks like hail, theft, and dense traffic on I-35. Rates change block to block: urban cores and coastal ZIPs typically price higher than suburbs such as Round Rock, Frisco, or Pearland. The quickest lever is clean, apples-to-apples comparison—quote at least three carriers on the same limits/deductibles, then layer easy discounts (telematics, multi-policy, EFT/pay-in-full) to unlock double-digit savings. Newer safety tech, annual mileage, recent claims, and credit tier can swing premiums by 20–40%, so treat a single quote as a starting point, not the finish line.
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To get the most accurate Texas car-insurance quote, keep limits and deductibles identical across carriers, use your exact garaging ZIP and annual mileage, and include add-ons like PIP/UM if you need them. Prices swing by neighborhood, credit tier, record, and safety features—side-by-side comparisons can uncover $20–$60/month gaps. If you only want the legal minimum, double-check the 30/60/25 requirements before you buy.
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Live rates from top Texas insurers.
Texas Minimum Requirements
The state mandates at least $30,000/$60,000 bodily-injury liability and $25,000 property-damage liability. Many drivers choose higher limits (e.g., 50/100/50 or 100/300/100) to match today’s repair and medical costs.
Remember that Texas also defaults to PIP (you must reject it in writing) and offers Uninsured/Underinsured Motorist, collision, and comprehensive as add-ons. If you finance your car, your lender will usually require collision and comprehensive with set deductibles. Pairing higher liability with UM/UIM is a common way to protect savings and avoid out-of-pocket costs after a hit-and-run or underinsured crash.
| Coverage | Minimum Limit | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $30,000 | Injuries you cause to others in an at-fault crash |
| Bodily Injury (per accident) | $60,000 | Total injuries to others per accident |
| Property Damage | $25,000 | Damage you cause to another person’s vehicle or property |
| PIP (included unless rejected) | $2,500+ | Medical + limited lost-income benefits for you/household |
Texas minimums protect the other party, not your own car. To cover your losses, add UM/UIM for hit-and-runs and underinsured drivers, plus comprehensive/collision for theft, hail, and crash damage (you select the deductible). If your vehicle is financed, lenders usually require comp/collision—and sometimes GAP—until the loan is paid down.
Need the full chart with penalties and compliant low-cost options? See 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
Texas SR-22 & High-Risk Drivers
An SR-22 filing itself runs about $25, but premiums can jump after a DUI, lapse, or major violation. Compare Texas SR-22 options to minimize the increase—some non-standard carriers file for free and may waive reinstatement fees. Keep coverage continuous; a lapse resets the clock.
Top Discounts You Might Be Missing
- Usage-based telematics (Snapshot, DriveEasy) – 10–25% for safe driving.
- Defensive-driver course – low cost; discount often lasts 3 years.
- Multi-policy (home/renters + auto) – up to 20% off.
- Pay-in-full or automatic EFT – typically 5–8% off per term.
FAQ – Texas Auto Insurance 2025
Does Texas use credit scores for auto rates?
Yes. Credit influences pricing tiers, but it cannot be the only reason to deny coverage.
Is PIP required in Texas?
PIP is included by default (minimum $2,500) unless you decline it in writing.
How long must I keep an SR-22 on file?
Most drivers must maintain continuous SR-22 coverage for two years from the conviction or suspension date.