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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Liability car insurance covers damages and injuries to others if you cause a car accident, but it doesn’t cover your medical expenses or damages to your vehicle. And Texas — like most U.S. states — requires all drivers to have this coverage before getting behind the wheel.
The average cost of liability car insurance in Texas is $123 per month, according to our data. Still, you might find yourself paying more or less based on your unique driving profile.
This guide will cover the cheapest Texas insurers for liability insurance, minimum-coverage limits, and how to ensure you have the right policy for your needs.
Texas state law requires drivers to have liability insurance with at least 30/60/25 in coverage.
State Farm has the cheapest liability coverage in Texas.
Your age and driving record have a significant effect on your car insurance rates.
Car insurance rates can vary drastically between insurance companies. That’s because every insurer determines rates differently. Numerous factors affect how much you’ll end up paying for your policy, including your age, driving record, location, and even your credit history.
The table below highlights the cheapest car insurance companies in Texas for liability-only car insurance policies, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $41 |
| GEICO | $44 |
| Allstate | $57 |
| Mile Auto | $61 |
| USAA | $72 |
| Nationwide | $91 |
| Mercury | $92 |
| Progressive | $111 |
| Root | $115 |
| Dairyland | $117 |
| Safeco | $122 |
| Chubb | $123 |
| The General | $131 |
| Clearcover | $132 |
| AssuranceAmerica | $134 |
| Bristol West | $135 |
| Direct Auto | $136 |
| National General | $136 |
| Commonwealth Casualty | $140 |
| 21st Century | $142 |
| Elephant | $154 |
| GAINSCO | $170 |
| Foremost | $227 |
| Liberty Mutual | $240 |
| State Auto | $273 |
State Farm is the cheapest car insurance company in Texas for liability coverage, with an average monthly rate of just $41. GEICO and Allstate are the second- and third-cheapest companies, with average monthly rates of $44 and $57, respectively.
But keep in mind that these are just averages and not an exact indicator of what you’ll pay. The best way to find the cheapest insurance company for you is to compare car insurance quotes from multiple companies.
Basic coverage starts as low as $41 per month.
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Liability car insurance provides two types of coverage: bodily injury liability and property damage liability. Bodily injury liability coverage pays for damages you cause to someone else in an accident, such as medical expenses, physical therapy, and even lost wages.
Property damage liability coverage, on the other hand, pays for damages you cause to another person’s property, whether it be their vehicle, home, or something else on their property, like a mailbox. It can also cover damages to things like telephone poles, guardrails, and buildings.
Here are the minimum coverages Texas requires for all drivers in the state:[1]
Coverage Type | Amount Required |
|---|---|
| Bodily injury liability (per person) | $30,000 |
| Bodily injury liability (per accident) | $60,000 |
| Property damage liability | $25,000 per accident |
While liability insurance is all you need to meet Texas’ state requirements, you should consider buying additional coverage if you can afford it. For example, most drivers opt to get what’s called full-coverage car insurance, which includes liability insurance along with collision and comprehensive coverage.
Collision coverage pays for your vehicle’s repairs (or replacement) after a collision with another car or object. Comprehensive insurance pays for damages from something other than a collision, such as vandalism, theft, or severe weather.
If you were to get into an accident with only liability coverage, you’d only have coverage for the injuries and damages to the other driver, their passengers, and their vehicle. You’d be left paying for your own medical expenses and vehicle damages out of pocket, which can add up quickly. Most insurance experts recommend having full-coverage car insurance — and if you finance or lease your car, your lender will even require it.
In addition to liability, collision, and comprehensive insurance, several other car insurance coverages are worth considering. While Texas state law doesn’t require any of the following coverages, they can be helpful in certain situations.
Uninsured & underinsured motorist coverage: Pays for damages if someone hits you who doesn’t have insurance or lacks enough coverage to pay for all of your damages
Personal injury protection (PIP): Pays for medical bills and lost wages after an accident, no matter which driver is at fault (all policies in Texas include $2,500 in PIP by default, but you can decline it in writing)[2]
Medical payments coverage: Similar to PIP, but it only pays for medical expenses, not lost wages
Gap insurance: Pays off the difference between your vehicle’s actual cash value and what you owe on your car loan if you total your vehicle
Roadside assistance: Pays for things like towing, flat-tire repair, and gas refills
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Texas drivers have plenty of ways to secure cheap liability insurance. Here are some of the best ways to lower your rate in the Lone Star State:
Bundle insurance policies. Consider buying both your auto and home/renters insurance policy from the same insurer. Many insurance companies will offer you significantly reduced rates for doing so.
Apply for discounts. Car insurance discounts are one of the best ways to keep your rates down. Just about every insurer offers multiple discounts, and you can stack several on top of each other to maximize savings. Ask your insurer about which you qualify for.
Improve your credit. In Texas, insurance companies consider your credit history when determining rates, and drivers with better credit often pay lower premiums. Raising your credit is easier said than done, but if you can, you’ll likely save on car insurance in the long run.
Raise your deductible. Increasing your car insurance deductible will instantly reduce your premium. Just make sure you can afford to pay your new, higher deductible out of pocket if you need to file a claim.
Compare car insurance quotes. You should compare car insurance quotes from multiple insurance companies every six months, even if your policy isn’t expiring. Every insurer determines rates differently, so you may find cheaper rates with another company. Quote comparison is one of the easiest ways to ensure you get the best price.
Compare personalized quotes from the cheapest insurance companies in Texas.
Take a look at these answers to some of the most commonly asked questions about liability car insurance in Texas to make sure you choose the right policy for you.
Liability insurance costs an average of $123 per month in Texas, according to Compare.com data. Many insurers in the Lone Star State offer rates above and below this average, so comparing quotes is important when buying a policy.
The cheapest car insurance in Texas is State Farm, with an average monthly rate of $41, according to our data. That said, you might find that a different car insurance company is cheaper for you after comparing quotes.
Texas requires all drivers to maintain at least $30,000 per person and $60,000 per accident in bodily injury liability insurance as well as $25,000 per accident in property damage coverage. Still, most drivers should consider purchasing higher limits and potentially additional coverages, such as collision and comprehensive insurance. These provide greater financial protection after a costly accident.
No. Texas is an at-fault state for car insurance, meaning that after an accident, the driver who causes the accident is on the hook for damages.[3] That said, Texas is one of 11 states that offer optional add-on no-fault insurance, giving drivers across the state the option to buy personal injury protection.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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