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Coverage type
State-Minimum Liability in Texas
Cheapest legal way to drive — covers damage you cause to others, nothing more.
$64
/mo · TX starting rate
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What it covers
State-minimum liability is the absolute baseline you need to legally register a vehicle. It pays for bodily injury and property damage you cause to other people in an at-fault accident. It does NOT cover your own car, your medical bills, or theft. Best for older paid-off vehicles when the cost of full coverage outweighs the car's value.
- Bodily injury per person/accident
- Property damage liability
- Cheapest premium tier
- Required by state law
Who needs it
- Older paid-off vehicle
- Tight budget driver
- Backup car / second vehicle
- Teen on family fleet
Comparison engine
Top 8 Texas carriers, side-by-side
Estimated monthly rates for a 35-year-old driver, clean record, full coverage, $500 deductible. Sort any column.
U USAA A.M. Best A++ | 4.9 | $102 /mo |
G GEICO A.M. Best A++ | 4.6 | $118 /mo |
P Progressive A.M. Best A+ | 4.5 | $125 /mo |
T Travelers A.M. Best A++ | 4.5 | $128 /mo |
M Mercury A.M. Best A | 4.3 | $132 /mo |
S State Farm A.M. Best A++ | 4.7 | $143 /mo |
F Farmers A.M. Best A | 4.2 | $158 /mo |
A Allstate A.M. Best A+ | 4.4 | $168 /mo |
Rates are estimates only — final pricing depends on driving record, credit, vehicle, and coverage selections.
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Starting at $64/mo · 12+ carriers compared