Auto Insurance
TEXAS AUTO INSURANCE • UPDATED AUGUST 2026
Texas Auto Insurance: Compare Requirements, Coverage, Costs & Quotes
Understand Texas auto insurance requirements, coverage options, premium factors, deductibles, quote comparisons, and ways to shop for the right policy. Texas requires minimum liability coverage of 30/60/25: $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage.
| Texas Topic | What to Know |
|---|---|
| Minimum Liability | 30/60/25 |
| Higher Limits | 100/300/100 |
| Optional Coverage | Collision & Comprehensive |
| Shopping | Compare several companies |
30/60/25
Texas Minimum
100/300/100
Higher Liability Limits
ZIP Code
Can Affect Premiums
Texas Car Insurance Requirements
Start with the liability coverage Texas requires, then compare whether higher limits and additional coverage make sense for you.
| Requirement | Texas Minimum | What It Covers |
|---|---|---|
| Bodily Injury — Per Person | $30,000 | Injuries to one person caused by an accident you are responsible for |
| Bodily Injury — Per Accident | $60,000 | Total bodily injury liability limit for one accident |
| Property Damage | $25,000 | Damage to another person's property |
Texas Auto Insurance Coverage Options
Learn how liability, collision, comprehensive, uninsured motorist, medical payments, PIP, and rental reimbursement coverage work.
LI
Liability Insurance
Understand Texas liability limits, what liability pays for, and why minimum coverage may not fit every driver.
100/300
Higher Liability Limits
Compare 100/300/100 with Texas minimum liability and understand the protection provided by higher limits.
FC
Full Coverage
Learn how liability, collision, and comprehensive coverage work together and when broader coverage may be appropriate.
UM
Uninsured & Underinsured Motorist
Understand coverage for accidents involving drivers who have no insurance or insufficient coverage.
MP
Medical Payments & PIP
Learn how medical payments and personal injury protection can help with covered medical expenses.
CR
Collision & Comprehensive
Compare protection for vehicle damage caused by collisions, theft, weather, vandalism, and other covered events.