Auto Insurance in Texas
Texas is one of the largest states in the country, and with miles of highways, busy metro areas, and rural backroads, having the right auto insurance is essential. Whether you’re commuting through Houston, navigating Dallas traffic, or driving across the wide-open plains, understanding Texas auto insurance laws and trends can help you protect yourself and your wallet.
Minimum Auto Insurance Requirements in Texas
Texas law requires all drivers to carry liability insurance, often referred to as 30/60/25 coverage, which means:
- $30,000 for bodily injury liability per person
- $60,000 total for bodily injury liability per accident
- $25,000 for property damage liability per accident
This minimum coverage is designed to pay for damages and injuries you cause to others, but it does not cover your own vehicle. Many Texans choose to purchase higher limits or add-ons for better protection.
Disclaimer: Insurance requirements and rate data are based on publicly available information from the Texas Department of Insurance and other industry sources. Rates may vary based on your individual circumstances and insurer.
4 Ways to Save on Auto Insurance in Texas:
Raise Your Deductible: Choosing a higher deductible for collision or comprehensive coverage can lower your premium. If you can’t comfortably afford the deductible, talk to an insurance expert to determine the right balance.
Maintain a Good Driving Record: Texas insurers reward clean records with discounts. Avoiding accidents and traffic violations is one of the simplest ways to save.
Take Advantage of Discounts: Ask about savings for bundling auto with home insurance, good student discounts, safe driving apps, defensive driving courses, and other programs.
Pay Your Premium Upfront: Many insurers offer a discount if you pay your policy in full instead of monthly installments.
Where Is Car Insurance Most Expensive in Texas?
Rates can vary widely depending on where you live. Generally, urban areas with higher traffic and accident rates see the highest premiums. Cities that tend to rank among the most expensive for auto insurance in Texas include:
- Houston
- Dallas
- San Antonio
- Fort Worth
Where Is Car Insurance Cheapest in Texas?
Drivers in smaller towns and rural areas often pay less. Areas that usually see lower-than-average rates include:
- Midland
- Amarillo
- Lubbock
- Waco
Optional Coverage
While not required, these add-ons can provide extra protection:
Collision & Comprehensive
Especially valuable if you drive a newer vehicle or live in an area prone to theft or weather damage.
Uninsured Motorist Coverage
Protects you if you’re hit by a driver with little or no insurance.
Roadside Assistance
Helps with tows, lockouts, and flat tires—particularly useful in more rural areas.
Rental Reimbursement
Useful if you rely on your car daily and need a backup during repairs.
Find Affordable Auto Insurance in Texas
Make sure your policy matches your needs, lifestyle, and budget.
Where you live, the car you drive, and your personal driving record all play a role in your premium. At The Kind Insurance, we pride ourselves on leading with kindness. That means educating our clients and never suggesting more coverage than they actually need.
Reach out to The Kind Insurance to discuss your current coverage & how you might be able to save money. We are an independent insurance agency. That means we are not tied down to any specific selection of insurers. Our agents work with you to understand your needs and budget and then find a plan that suits you the best.
Get in touch today for more expert insurance advice.
The Advantage of an Independent Insurance Agency Working for You
- Personalized insurance solutions.
- Friendly, knowledgeable service.
- Building trusted relationships.
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