Insurance in Texas

Compare auto, home, and life insurance rates in Texas from top-rated carriers. Free quotes from licensed agents. Veteran-owned & operated.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance

🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Insurance Options in Texas

🚗 Auto Insurance in Texas› 🏠 Home Insurance in Texas› 💚 Life Insurance in Texas›

Auto Insurance Rates in Texas (2026)

Texas uses an at-fault/tort insurance system and requires Personal Injury Protection (PIP). The state mandates minimum liability coverage of 30/60/25. The average full coverage premium is $215/month. Here are the cheapest options:

Insurance Company	6-Month Premium	Monthly Cost
USAA ⭐	$858	$143/mo
GEICO	$978	$163/mo
Progressive	$1,104	$184/mo
State Farm	$1,206	$201/mo
Allstate	$1,470	$245/mo

→ Full Texas auto insurance guide with city rates

Texas Insurance at a Glance

$215

Avg. Monthly (Auto)

$143

Cheapest Auto Rate

30/60/25

Min. Liability Limits

14%

Uninsured Drivers

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Popular Auto Insurance Topics in Texas

Auto Insurance by City in Texas

Rates vary significantly by city. Click yours for local rate comparisons:

📍 Houston› 📍 San Antonio› 📍 Dallas› 📍 Austin› 📍 Fort Worth› 📍 El Paso› 📍 Arlington› 📍 Corpus Christi› 📍 Plano› 📍 Lubbock› 📍 Irving› 📍 Laredo› 📍 Garland› 📍 Frisco› 📍 Amarillo› 📍 Grand Prairie› 📍 McKinney› 📍 Brownsville› 📍 Killeen› 📍 Pasadena› 📍 Mesquite› 📍 McAllen› 📍 Denton› 📍 Waco› 📍 Carrollton› 📍 Midland› 📍 Pearland› 📍 Abilene› 📍 College Station› 📍 Richardson› 🗺️ View All 259 Cities›

Texas Insurance FAQ

What insurance do I need in Texas?

At minimum, Texas requires liability auto insurance with limits of 30/60/25. Most Texas residents also benefit from homeowners or renters insurance and life insurance. We can help you find the best rates for all three.

Who has the cheapest insurance in Texas?

For auto insurance, USAA offers the cheapest full coverage at $143/month. However, rates vary by driver — comparing multiple carriers is the best way to find your lowest rate.

How can I save on insurance in Texas?

Bundle multiple policies (auto + home), compare quotes from several carriers, maintain a clean driving record, raise your deductible, and ask about available discounts. Call us at (888) 217-6781 for a free comparison.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Texas Department of Insurance (TDI) — official state insurance regulator for Texas.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Texas DMV — Texas vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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