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Common questions
about Texas auto insurance
Need car insurance in Texas?
Whether you live in the Panhandle or the Gulf Coast, FNISC has you covered. From liability protection to comprehensive coverage, we customize your Texas auto insurance, so you only pay for what you need.
What car insurance is required in Texas?
Whether you live in the Panhandle or the Gulf Coast, FNISC has you covered. From liability protection to comprehensive coverage, we customize your Texas auto insurance, so you only pay for what you need.
This chart shows the minimum auto insurance drivers are required to have in Texas.1
Coverage
Bodily Injury Coverage
Property Damage Coverage
Amount
$30,000 per person and $60,000 per accident
$25,000 per accident
For more information, check out the Texas Department of Insurance.
What is the average cost of car insurance in Texas?
The average cost of car insurance in Texas is $1,5002 per year. That’s around the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.
What liability insurance is required in Texas
Texas law only requires that you carry car insurance that protects others in the event you cause bodily harm or property damage to them. It is often referred to as “liability insurance,” and it is important to understand that this coverage does not cover you, your car, or your personal belongings.
As shown in the table above, drivers must have a car insurance policy that covers at minimum $30,000 of coverage for injuries per person and $60,000 per accident, and $25,000 for property damage per accident. You might see this described as 30/60/25.
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1 Minimum coverage amounts are subject to change.
2 Dollar figures represent data shown on thezebra’s website as of February 2022.
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