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.
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.
