Liability insurance is the minimum legal requirement in Texas — it covers damage you cause to other people and their property. The average cost is $63/month with 30/60/25 limits. It does not cover your own vehicle.
(888) 217-6781Liability insurance pays for the other driver's medical bills and car repairs when you're at fault. Texas requires minimum limits of 30/60/25, but most insurance experts recommend at least 50/100/50 — especially with 14% of Texas drivers being uninsured.
| Coverage | Monthly Cost | Annual Cost | What's Covered |
|---|---|---|---|
| Liability Only (30/60/25) | $63/mo | $760 | Other people's injuries & property |
| Full Coverage | $215/mo | $2,580 | Others + your own vehicle |
Switching from full coverage to liability-only saves $1824/year in Texas — but your own car has zero protection.
| 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 |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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