Texas · There is no one car-insurance price
The rate is the price for your drivers, your ZIP code, your cars, and your limits. The 30/60/25 floor does not change because the premium did. This page will not print a statewide average.
Texas liability is $30,000 per person, $60,000 per accident, and $25,000 property damage. Every legal quote starts there or above it. What moves the dollars is who is listed, where the car is garaged, the driving record, the car itself, the deductibles on collision and comprehensive, and whether you added uninsured motorist, PIP, rental, or gap. A credit-based insurance score changes price, not coverage. It is not a FICO score. Paint color is not a rating factor. Mileage can change price. This page will not invent a low-mileage percent.
Compare the same contract. A cheaper quote that dropped collision, or rejected uninsured motorist without saying so, is a thinner policy. Texas carriers offer UM/UIM and PIP. A rejection belongs in writing. A lapse can raise the next price and can show the car as uninsured on TexasSure. Telematics, a good-student credit, or a multi-car credit exists only when that carrier offers it, and telematics can raise the price. Full coverage means liability plus collision plus comprehensive. It does not include the extras unless they are listed. National statistics are a different exercise from your quote. The Insurance Information Institute publishes them. This page does not copy a Texas dollar out of that table.
The policy you are pricing: car insurance in Texas, what it covers, and Texas auto.
Quote the same limits and the same deductibles, then read which drivers are listed. Ask an agent or get an auto quote.
