Cheap Car Insurance in Texas
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Texas Car Insurance Minimums
Texas requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$30,000
Bodily Injury (per accident)
$60,000
Property Damage
$25,000
At-fault (tort) state.
Source: state insurance department, verified 2026-09-01.
What drives car insurance rates in Texas
Average spend per insured vehicle, 2023
$1,429
Texas drivers spent $1,429 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
74.6¢
Auto insurers in Texas paid 74.6 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.35
Texas recorded 4,160 traffic deaths in 2024, 1.35 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
248.2
Texas reported 78,695 motor vehicle thefts in 2025, 248.2 per 100,000 residents, from 330.7 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#2
FEMA ranks Texas #2 of 51 for expected annual loss from natural hazards; flood accounts for 40% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Texas
The ten insurer groups that wrote the most auto premium in Texas in 2025, with their share of the state total of $35.6 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 23.07% | $8.2 billion |
| 2 | State Farm Group | 17.74% | $6.3 billion |
| 3 | Allstate Insurance Group | 10.4% | $3.7 billion |
| 4 | Berkshire Hathaway Group | 10.27% | $3.7 billion |
| 5 | United Services Automobile Association Group | 8.82% | $3.1 billion |
| 6 | Farmers Insurance Group | 5.66% | $2.0 billion |
| 7 | Texas Farm Bureau Mutual Group | 3.09% | $1.1 billion |
| 8 | Incline Insurance Group Llc Group | 2.65% | $943 million |
| 9 | Home State Insurance Group | 2.18% | $776 million |
| 10 | Liberty Mutual Group | 2.17% | $775 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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