Texas Car Insurance

Whether you’re commuting into Dallas for work, piling your vacation gear and the kids into the family SUV or zipping out to the beaches of South Padre Island, a Farmers FlexSM Personal Auto policy offers new coverage options designed for how you drive today, so you can choose the insurance you want. New discounts can help you save even more.

What is the average cost of car insurance in Texas?

Texans paid an average of $1,370 a year for full coverage (liability, collision and comprehensive) in 2019, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.

What car insurance is required by law in Texas?

A car insurance policy with a minimum amount of liability coverage is required in Texas, as it is in almost all states. However, minimum coverage may not be the full extent of coverage you want.

As of November 2022, 30/60/25 liability coverage limits are the minimum required in Texas.

COVERAGE TYPE

TEXAS MINIMUM REQUIREMENTS

Bodily injury liability

$30,000 per person; $60,000 per accident

Property damage liability

$25,000 per accident

COVERAGE TYPE

Bodily injury liability

TEXAS MINIMUM REQUIREMENTS

$30,000 per person; $60,000 per accident

COVERAGE TYPE

Property damage liability

TEXAS MINIMUM REQUIREMENTS

$25,000 per accident

What does car insurance typically cover in Texas?

A typical car insurance policy in Texas includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.

 Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages. Read more about coverage options in Texas with a Farmers Flex Personal Auto policy. 

Texas car insurance discounts

Farmers offers a variety of discounts for drivers in Texas. For example:

  • Welcome Discount 
  • Loyalty Discount 
  • Five-Year Accident-Free Discount 
  • Multi-Policy Discount 
  • Signal®, which can reward you with an initial discount when you use our Signal app

See more information about additional discounts that may be available in Texas.

Big Bend National Park

In the remote wildlands of far west Texas on the border with Mexico, Big Bend National Park offers vistas like the Grand Canyon — but without the crowds. — National Park Service  


More coverage options in Texas

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Texas home insurance

Your home is an investment, and you want to protect it like that. Learn more about our Home insurance offerings to help you build the policy that works best for your life style.

View home coverage details for Texas

Learn From Experience

Still have questions about cars and car insurance in Texas? We have answers.


Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.  

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

What Is Uninsured Motorist Coverage?

If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.