If you’re searching for car insurance in Texas, you’ve come to the right place.

At Budget Insurance Agency, we make it easy to find affordable coverage that fits your life. Whether you live in Houston, Dallas, Austin, or a small town in between, we help Texans get the protection they need at prices they can actually afford.

Get expert advice, fast quotes, and real customer service without the jargon to help pay for lost wages in case of an accident.

Get a Free Texas Auto Insurance Quote Today

We partner with multiple top-rated insurers to give you real options not just a one-size-fits-all price.

• Quick, no-pressure quotes
• Plans tailored to your budget and driving needs
• Local experts who know Texas laws
• Discounts for safe drivers, students, and more

Start your quote today and compare rates side by side.

What Are the Minimum Car Insurance Requirements in Texas?

Texas drivers are required by law to carry minimum car insurance coverage. This protects other people if you’re at fault in a car accident.

As of 2025, the required limits are:

• $30,000 for bodily injury per person
• $60,000 per accident
• $25,000 for property damage

This is often called 30/60/25 coverage.

Meeting these minimums is essential, but they may not be enough in a serious accident, especially if you encounter an underinsured driver. One hospital visit or totaled vehicle can easily exceed these limits, which is why many drivers choose higher liability coverage or full coverage plans.

Optional Auto Insurance in Texas That Adds Extra Protection

Texas roads are unpredictable. From highway pileups to hailstorms, your car faces real risks every day.

Consider adding these Additional car insurance coverages can help you stay protected while driving in Texas. to better protect your vehicle and your finances, consider adding uninsured motorist coverage.

• Collision coverage is an important part of your auto coverage in the event of an accident. pays for damage to your car from an accident
• Comprehensive coverage is essential for protecting against accidents with an uninsured vehicle. covers theft, weather, vandalism, and other non-crash events
• Uninsured/underinsured motorist coverage protects you if someone else doesn’t have enough insurance, especially in cases involving underinsured drivers.
• Personal Injury Protection (PIP) is essential for Texas drivers to ensure safe driving practices. helps with medical costs and lost income

If you’re leasing or financing your car, your lender will likely require full coverage.

Average Cost of Car Insurance in Texas

The average cost of car insurance in Texas is around the average rate offered by major insurance companies. $1,868 per year for full coverage, which often includes protection against uninsured motorists. For minimum coverage, the average is closer to $650 per year.

Several factors affect your rate:

• Where you live can significantly affect your insurance discounts in the Lone Star State.
• Your age and driving history can significantly impact your car insurance rate.
• Your credit score
• The type of car you drive
• How much you drive

Car Insurance Cost in Texas by City (2025)

Your rate may vary, but we’ll help you find the best deal available for your profile.

Why Is Auto Insurance in Texas So Expensive?

Texas is one of the pricier states for auto insurance, and here’s why:

• Extreme weather events, such as hail and flooding, can lead to increased claims for comprehensive and collision coverage. like hail and flooding, which can cause significant damage you cause to your vehicle.
• High accident rates In metro areas, drivers in Texas get more competitive insurance rates.
• Large number of uninsured drivers on the road makes it crucial to have adequate coverage in your car insurance policy.
• Rising medical and repair costs

These risk factors increase how much insurers charge. That’s why it’s more important than ever to compare quotes and apply all eligible discounts.

Cheapest Car Insurance Providers in Texas

We work with multiple companies so you don’t have to call around. Here are a few providers we often recommend based on price and service for the cheapest car insurance in Texas:

Each provider offers different discounts and rates based on your profile. We help you compare side by side and explain the fine print.

How Texas Drivers Can Save on Car Insurance

Smart drivers look for smart savings by comparing cheap car insurance policies from different insurance companies. Here’s how to lower your car insurance rates. Texas drivers can reduce their premiums:

• You can bundle home or renters insurance to potentially lower your car insurance rate.
• Keep a clean driving record to qualify for better rates on comprehensive coverage, regardless of fault.
• Take a defensive driving course
• Use usage-based or telematics programs to promote safe driving.
• Ask about student, military, or senior discounts to maximize your insurance discounts.
• Shop around at renewal time to find the best offer in Texas for your vehicle registration.

Many people overpay simply because they don’t realize they qualify for You can get a quote to find out about insurance discounts and find the cheapest car insurance in Texas.. We can help with that.

What Happens If You Don’t Have Car Insurance in Texas?

Texas is Texas is not a no-fault insurance state, which affects liability insurance claims., which means the at-fault driver is responsible for damages. If you don’t have insurance and cause an accident with an uninsured vehicle, you could face serious financial and legal consequences.

Penalties include: liability insurance requirements for drivers in Texas.

• Fines starting at $175
• License suspension can occur if you fail to maintain the minimum required coverage for your Texas driver license.
• SR-22 filing requirements
• Higher insurance premiums in the future

If you’re currently uninsured, now is the time to get covered. It’s easier than you think and more affordable than a single accident bill, especially for drivers in Texas who understand the minimum required coverage.