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For our user profile, Progressive, USAA and Texas Farm Bureau offer the cheapest liability insurance in Texas. This quote is substantially lower than full coverage, as your coverage level significantly affects the cost.
Liability insurance pays to repair or replace the other driver’s car, or other damaged property, and pays other people’s medical expenses when you’re at fault in an accident. If you still owe money on your car, your lender will require you to have collision and comprehensive coverage.
Texas law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings. Drivers must have a car insurance policy with the minimum coverages of. You may see this written as 30/60/25.
Texas Farm Bureau offers the cheapest rate in Texas, at $33 per month for minimum-liability coverage. That's 42% cheaper than the average cost of minimum coverage in Texas. Other cheap car insurance companies include USAA and State Farm, but USAA is only available to current and former military members and their families.
Texas law mandates that all drivers must carry at least the minimum liability coverage, which includes $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 per accident for property damage. While these are the minimum coverages Texas requires you to have, everyone's insurance needs are different.
Liability car insurance is intended to help you pay for any damages or injuries you cause if you are at fault for a car wreck. Almost every state requires some form of liability auto insurance and Texas car insurance rules are no exception.
Liability insurance in Texas covers others’ injuries, property damage and legal expenses for accident-related lawsuits if you are at fault in an accident – up to your policy limits. The average cost of liability insurance in Texas is $762 a year — that’s $125 more than the national average of $637 .
Liability car insurance in Texas costs $120 per month on average, according to Insurify data. By comparison, the national average is $104 per month. State Farm is the cheapest insurer for Texas liability coverage, with monthly rates starting at $37.
Our research found that the average Texas driver pays $122 per month for basic liability coverage and $245 for a more robust full-coverage plan that includes comprehensive and collision insurance alongside state-mandated liability coverage. But if those numbers seem like more than you want to pay, don’t worry.
Geico, State Farm and Allstate offer some of the best car insurance policies in the Lone Star State, according to Bankrate’s research. To help you find the best car insurance in Texas for your...