Texas car insurance

Q: What does "full coverage" car insurance mean in Texas?

" Full coverage " isn't an official term or policy you can buy. It's shorthand for pairing Texas's required liability coverage with comprehensive and collision. Liability covers what you owe others after an accident, while comprehensive and collision pay to repair or replace your own vehicle. Uninsured/underinsured motorist coverage and personal injury protection also offer more protection beyond liability coverage.

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Required coverages
Discounts
Average cost
Cost factors
Optional coverages
Driving resources
FAQs

Getting car insurance in Texas

Finding car insurance in Texas is easier when you know what the state requires, which coverages you can add, and how your rate is determined. With tools like AutoQuote Explorer® and the Name Your Price tool®, you can easily find the right protection for whatever the road throws at you, from fender benders to fierce hailstorms.

What are the minimum auto insurance requirements in Texas?

Every policy in Texas needs bodily injury and property damage liability coverages. The state also requires that insurers offer uninsured/underinsured motorist coverage and personal injury protection, though you can reject those coverages with a signed form. Here are Texas's minimum liability limits.

Coverage	What it covers	Minimum amount
Bodily injury liability	Injuries you cause to others in an accident	$30,000 per person $60,000 per accident
Property damage liability	Damage you cause to someone else's property in an accident	$25,000 per accident

Texas's minimum coverage limits may fall short in a serious accident, so higher limits may better protect your finances. See how much car insurance you may need for your situation.

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Car insurance discounts in Texas

Progressive offers plenty of ways to help Texas drivers pay less. Popular discounts available in Texas include:

Snapshot
Save when you sign up for Snapshot® and let the Progressive app see how you drive. Drivers receive a discount just for enrolling, and the safest drivers save more at renewal.
Paid in full
Save when you cover your full premium up front. Paying all at once instead of in monthly payments earns a discount and skips the installment fees.
Online quote
Save when you quote online. Drivers who start their Progressive auto quote online get a discount for keeping it digital.

What is the average cost of car insurance in Texas?

For a liability-only policy, car insurance costs an average of $112.80 per month in medium-cost states like Texas.^† The cost of car insurance comes down to several factors, including your driving record and where you live.

Factors that impact your auto insurance rate in Texas

Many factors can impact how much you pay for auto insurance in Texas, including where you live, your vehicle, and more:

Driving history: A record of tickets, accidents, or past claims can raise your rate.
Vehicle type and value: Your car's make, model, age, safety technology, and repair costs are factored into your rate. Higher vehicle values can lead to higher claim costs.
Location: Your ZIP code affects your rate as traffic density, accident and theft rates, and weather vary across Texas.
Coverage choices and deductibles: The coverages, limits, and deductibles you select directly affect your premium. A higher deductible lowers your premium, while more coverage or higher limits raise it.
Payment method: How you pay can lower your cost. Paying in full or setting up automatic payments can help you earn a discount

Recommended additional auto insurance coverages in Texas

Texas's mandatory liability coverage may cover other people's injuries and property, but it won't cover your own car or medical bills. The optional coverages below help close those gaps. Lenders usually require comprehensive and collision on financed or leased vehicles:

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's damaged by hail, fire, theft, wind, flood, vandalism, and other covered events
Collision	Cost to repair your vehicle if it overturns or collides with another vehicle or object
Uninsured/underinsured motorist	Your injury and vehicle costs when an at-fault driver has too little or no insurance
Personal injury protection	Your and your passengers' medical costs and lost wages after an accident regardless of fault

Texas driving resources

Get familiar with Texas's driving laws and insurance resources. Keep in mind that local governments may have additional rules or requirements.

Texas Department of Motor Vehicles (TxDMV): Hub for driver licensing, vehicle titles, and registration.
Texas Department of Insurance (TDI): Regulates the state's insurers and helps consumers with questions and complaints.
Texas Department of Transportation driving laws: Covers safety laws on speed limits, distracted driving, DUI/DWI, and highway driving.
Texas Department of Public Safety driver FAQs: Answers on licensing, renewals, address changes, and teen driver rules.

How to get car insurance in Texas with Progressive

Progressive makes it easy for Texas drivers to compare coverage options and get a competitive auto insurance quote.

Go online

We ask easy questions, and you customize your coverages.

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Call a rep

Talk with a licensed representative who can guide you through the process.

Call 1-855-347-3939
Through an agent

Connect with an independent agent in your area.

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Texas car insurance FAQs

Is Texas a no-fault state?

No, Texas follows an at-fault system. The driver who causes a crash is responsible for the injuries and property damage that result. You can add personal injury protection to cover your own and your passengers' medical costs regardless of who's at fault, and uninsured/underinsured motorist coverage to protect yourself if an at-fault driver has too little or no insurance.

How do I lower my car insurance in Texas?

Adjusting your coverages, limits, and deductible makes the biggest impact on your premium. A higher deductible lowers your premium, though you'll pay more on a claim. Bundling your auto and home policies and keeping a clean driving record can lower your cost over time as well.

What happens if I drive without insurance in Texas?

Driving without insurance is illegal in Texas. A first offense can result in a fine, and repeat offenses trigger steeper fines, possible license and registration suspension, and an SR-22 filing to prove you're covered. Texas also verifies coverage electronically through its TexasSure program.

What does "full coverage" car insurance mean in Texas?

"Full coverage" isn't an official term or policy you can buy. It's shorthand for pairing Texas's required liability coverage with comprehensive and collision. Liability covers what you owe others after an accident, while comprehensive and collision pay to repair or replace your own vehicle. Uninsured/underinsured motorist coverage and personal injury protection also offer more protection beyond liability coverage.