You cannot avoid paying for car insurance in Texas if you own a registered vehicle. Car insurance is required for all vehicle owners in Texas, and driving without any coverage can have serious consequences, including license and registration suspension.
In Texas, you are required to carry at least $30,000 per person ($60,000 per accident) in bodily injury liability insurance and $25,000 in property damage liability insurance.
You Don’t Need Car Insurance in Texas If:
You only drive borrowed vehicles occasionally. If you are driving a vehicle your friend or relative owns, you will be covered by their personal car insurance policy. For rental cars, you can purchase rental car insurance.
You never drive. If you don’t drive a car at the moment and never plan to drive a car in the future, there is no need to have car insurance.
You don’t own a registered vehicle. If you do not own a registered vehicle, you have no need to get car insurance. Driving an unregistered vehicle and driving without insurance are both illegal, though.
If you own a registered vehicle, you need to have car insurance in Texas. Car insurance in Texas costs an average of $1,689 per year for minimum coverage, which is more expensive than the national average. By comparing quotes from several different companies and taking advantage of every discount available, you can save a lot on your premium each month.
To learn more, check out WalletHub’s guide to lowering car insurance costs along with our picks for the cheapest car insurance companies in Texas.
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