Texas
- ~$45–$60
- ~$130–$160
- $30K/$60K/$25K
Texas has a diverse and complex car insurance market driven by large urban centers like Houston, Dallas, and Austin, as well as vast rural areas. The state uses a fault-based liability insurance system with required minimum coverage.
Find a local Auto Insurance agents in your town:
Texas Auto Insurance Facts *
Drivers
- ~17.5–18 million licensed drivers as of 2023.
- ~92% household vehicle ownership.
- Wide use of pickups, SUVs, and passenger cars.
- Uninsured motorist rate around 15%.
- Public transportation varies widely, with higher use in major cities.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~125,000 | ~35,000 | 1,350 |
| 2019 | ~128,000 | ~36,000 | 1,400 |
| 2020 | ~115,000 | ~32,000 | 1,320 |
| 2021 | ~120,000 | ~33,500 | 1,375 |
| 2022 | ~123,000 | ~34,000 | 1,400 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
- Some counties have additional insurance regulations.
