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Auto Insurance in Texas

Compare rates from top providers, understand coverage requirements, and save on your auto insurance.

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Key Takeaways

  • •Texas requires minimum 40/85/16 liability coverage
  • •Average premium in Texas: $150
  • •12% of drivers are uninsured - consider UM coverage
  • •Top insurer by market share: State Farm
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How It Works: Your Path to Savings

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$150

Avg. Premium

40/85/16

Min. Coverage

12%

Uninsured Rate

State Farm

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Understanding Auto Insurance in Texas

Finding affordable auto insurance in Texas requires understanding local requirements and comparing rates from multiple providers. Our comprehensive guide helps you navigate the insurance landscape and find the best coverage for your needs.

Texas Minimum Requirements

Texas requires all drivers to carry minimum liability insurance. This protects you financially if you cause an accident that injures others or damages their property.

Liability Coverage

Required

Covers damages you cause to others

Collision Coverage

Covers your vehicle in accidents

Comprehensive Coverage

Covers theft, weather, vandalism

Uninsured Motorist

Protects against uninsured drivers

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Frequently Asked Questions

How much is car insurance in Laredo?
Rates vary, but the average driver in Laredo pays between $80 and $150 per month for liability coverage.
What is the cheapest insurance company?
It depends on your profile. We recommend comparing quotes from at least 3 providers.
Is PIP required?
Yes, this state requires Personal Injury Protection.
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