Car insurance in Texas
The driver who causes a crash is responsible for the damage, so liability coverage is the core of every Texas policy.
- Insurance regulator
- Texas Department of Insurance
- Licenses insurers and handles consumer complaints.
- Liability system
- At-fault
- The driver who causes a crash is responsible for the resulting injuries and damage, usually through their liability coverage.
- Insura model tier
- Elevated-cost tier
- A model assumption, not an official ranking. The calculator adjusts the baseline by +10% for Texas.
- Average premium
- Not yet published
- Insura will add this when it can cite a source.
- ZIP-level costs
- Not yet published
- The calculator currently adjusts by state only.
Insurance rules change. Confirm current requirements with the Texas Department of Insurance before you buy or change a policy.