Texas Auto Insurance Calculator 2026
Estimate your auto insurance premium in Texas (TX). Texas rates are 16% above the national average. Enter your details below for a personalized estimate.
Driver Profile
Ages 16-100
Coverage & Vehicle
Average is ~12,000 miles/year
Fill in your details to see your estimated auto insurance premium
Texas Auto Insurance Overview
Texas drivers pay approximately 16% more than the national average for auto insurance. The state premium factor is 1.16x relative to the national baseline.
Texas Minimum Coverage Requirements
Texas requires minimum liability coverage of 30/60/25 ($30,000/$60,000 bodily injury, $25,000 property damage).
Texas requires Personal Injury Protection (PIP) with a minimum of $2,500.
Note: Tort state; PIP offered and included unless rejected in writing
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