Texas Drivers: Compare 2026 Auto Rates & See What You Could Save

Texas full-coverage premiums average $200/month. Drivers who switch save an average of $694/year. Compare options from licensed Texas insurance partners in under 60 seconds.

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Step 1 of 3

Tell us about your vehicle

Date of Birth*

Please enter your date of birth.

Vehicle Year*

Please select the vehicle year.

Vehicle Make*

Please select the vehicle make.

Vehicle Model*

Please select the vehicle model.

Step 2 of 3

A few quick questions

How many vehicles to insure?*

1 Vehicle 2+ Vehicles (Max Discount)

Please select the number of vehicles.

Currently insured?*

Yes – Insured No – Uninsured

Please select your insured status.

Do you own or rent your home?*

Own Home Rent Home

Please select an option.

Accidents or DUI in last 3 years?*

Clean Record Has Incidents

Please select an option.

Step 3 of 3

Where should we send your rates?

5-Digit Texas ZIP Code*

Please enter a valid 5-digit ZIP code.

First Name

Required.

Last Name

Required.

Street Address

Required.

Email Address

Please enter a valid email address.

Phone Number

Please enter a valid 10-digit US phone number.

I provide my prior express written consent for LoneStarQuotes and the licensed auto insurance carriers, agents, and marketing partners in our current partner network to contact me at the phone number provided above — including by automatic telephone dialing systems, artificial or prerecorded voice messages, and SMS/MMS text messages — about auto insurance quotes and offers, even if that number is on a state or federal Do-Not-Call list. Consent is not a condition of purchasing any good or service, and message/data rates may apply. I can revoke consent at any time by replying STOP to any text or by using the contact methods in the TCPA Disclosure. I also agree to the Privacy Policy and Terms of Service.

Please check the consent box to continue.

Please complete the "I'm not a robot" check before submitting.

Sources: ¹ LendingTree 2025 auto insurance switching survey. ² Experian, average Texas car insurance cost, June 2026 data. Figures are national/statewide averages and are not a guarantee of your individual rate or savings.

$200/moAvg TX Full Coverage

92%Saved After Switching

< 60sTime To Compare

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Submitting this form connects you with licensed insurance partners for quotes. You're never required to purchase a policy, and comparing options is free.

Licensed Partner Network

Matched with Texas-appointed carriers & agents

Your answers are used to match you with licensed auto insurance carriers, agents, and marketing partners appointed to write policies in Texas.

Understanding Texas Auto Insurance

Every registered vehicle in Texas must carry liability insurance to be driven legally. Here's what the law actually requires, and why comparing options — instead of auto-renewing — usually pays off.

30/60/25 Minimum Liability

Texas law requires at least $30,000 per person and $60,000 per accident in bodily injury liability, plus $25,000 in property damage liability.³

Fines For Driving Uninsured

A first offense carries a fine of $175–$350; a second offense can run up to $1,000, along with possible license and registration suspension.³

Texas Is An At-Fault State

Unlike no-fault states, the driver who causes an accident in Texas is financially responsible for the resulting damages.³

Minimum Coverage Has Limits

State-minimum liability only pays for damage you cause to others — it does not cover your own vehicle repairs or medical bills.³

³ Texas Transportation Code Chapter 601; requirements and penalty figures as summarized by industry sources including Insurify and Insuranceopedia, 2026. Penalty amounts can vary by county and offense history — confirm current figures with the Texas Department of Insurance.

Who Is LoneStarQuotes?

We're a lead-generation and matching service — not an insurance carrier. When you submit this form, your information is shared with licensed Texas-appointed insurance carriers, agents, and marketing partners so they can reach out with quote options that fit your vehicle and driving profile.

There's no obligation to purchase anything, comparing options is free, and every submission is time-stamped and TrustedForm-verified so there's a clear record of your consent.

Texas Drivers: Compare 2026 Auto Rates & See What You Could Save

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Understanding Texas Auto Insurance

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