Safe Drivers Could Save in Texas

Download the app, start your test drive, & see how much you can save.

Reviewed & verified by
Cara Carlone
Last Updated Mar 22, 2024

About Texas Car Insurance

In the diverse Texan landscape, from open prairies to urban skylines, good drivers can get savings on car insurance using SteadyDrive. Drive safe, and you could save hundreds on your car insurance policy. In three easy steps you can get started: Download the app, start your test drive, and see if you qualify for discounted car insurance quotes.

Texas

Avg. Car Insurance

Annual Rate – Minimum Coverage (2024)
$697/Yr
Source: Bankrate

National

Avg. Car Insurance

Annual Rate – Minimum Coverage (2024)
$741/Yr
Source: Bankrate

NOTE: These sample rates are based on drivers who own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.  

These are sample rates and should only be used for comparative purposes.

How SteadyDrive Works

Download the app

Go to the App Store or Google Play
and enroll in seconds.

Start your test drive

Drive safe & you could qualify for
savings on car insurance.

Qualify for discounts

After a few weeks, you could get discounted insurance quotes from a leading insurer.

Minimum Car Insurance Requirements in Texas

Bodily Injury
$30,000
/Person
Property Damage
$25,000
/Accident
$
Either
Full or Limited Torts

Bodily injury liability coverage

$30,000 per person/up to a total of $60,000 per accident

Property damage

$25,000 per accident

Optional Car Insurance Coverage (varies by carrier)

  • Collision coverage
  • Comprehensive coverage
  • Personal injury protection (PIP) coverage
  • Uninsured/underinsured motorist coverage
  • & more. Be sure to ask your insurance agent about additional coverage options.

Source: The Zebra

Texas Driving Statistics

555,229 (2022) Crashes in Texas
Insurance Rates
increased 11.7% on average statewide (2024)

Source: ValuePenguin

21.8 million (2015) to 22.4 million (2020) Registered Vehicles

Source: ValuePenguin

4.7% Population Change from 2020 - 2023

Frequently Asked Questions

Is Texas a no-fault state?

No, Texas is not a no-fault state. In a no-fault state, drivers are required to file claims with their own insurance company, regardless of who is at fault for an accident. However, in Texas, drivers can file claims with the other driver's insurance company if the other driver is at fault for the accident.

Source: Stewart J. Guss Injury Lawyers

Is PIP required in Texas?

PIP coverage is not required in Texas, but all auto insurance companies are required to offer it to drivers. Drivers can refuse PIP coverage, but they must do so in writing. If you are rejecting PIP coverage, most providers will require a signed rejection form stating the denial. 

Note: It is important to note that PIP coverage can be very beneficial, especially if you do not have health insurance or if your health insurance has a high deductible. PIP coverage can help to pay for medical expenses, lost wages, and other expenses related to a car accident.

Source: Turley Law Firm

Does Texas require uninsured motorist coverage?

No, but insurance companies are required to offer uninsured and underinsured motorist coverage. However, you can reject this coverage by doing so in writing.

Source: Samples Ames Trial Attorneys

You Could Save Hundreds

SteadyDrive is your ticket to big savings on car insurance. We focus on your driving habits using telematics to track your behavior like speed, braking, and phone use. You can test-drive our app anonymously, with no impact on your current rate.

Download the free app, enroll in seconds, and watch the savings pile up as you drive safely.

Disclaimer:
SteadyDrive is not an insurer or an insurance agent or broker. SteadyDrive does not provide you with an insurance policy, so make sure that you have insurance coverage while you drive. Please contact your insurer or an insurance agent or broker (if applicable) directly regarding questions you may have pertaining to auto insurance coverage. For more details, see SteadyDrive’s Terms of Service.

Start Driving & Start Saving

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