Cheapest Liability Car Insurance In Texas 2026

When it comes to finding the cheapest liability car insurance in Texas, State Farm stands out as the best overall option. For those with specific needs, other companies lead the way in offering the most affordable rates. USAA is the top choice for military members seeking budget-friendly, liability-only coverage.

If you’ve had an accident, Allstate offers the cheapest rates, while GEICO is the go-to for teens looking for low-cost options. Young adults can find the best deal with Nationwide, and seniors will also benefit from Allstate’s competitive pricing. Last, for those with a DUI, State Farm again emerges as the most affordable provider.

Cheapest Liability Car Insurance In Texas: State Farm

State Farm provides the cheapest minimum coverage car insurance in Texas, at an average monthly rate of $50.

With the high costs associated with living in urban areas like Houston, Fort Worth, or Dallas, every dollar saved on insurance can make a difference. Ultimately, securing cheap liability-only insurance helps Texans maintain financial stability without sacrificing essential protection.

*Military Only

Cheapest Liability-Only Car Insurance In Texas For Teens: GEICO

Teenage drivers in Texas can find affordable rates from GEICO, averaging $261 per month. 

Finding cheap liability insurance is important for teens in Texas due to the typically high premiums associated with young, inexperienced drivers. Insurance companies view teens as higher risk, often leading to costly premiums that can be a financial burden for both teens and their families.

Cheapest Liability-Only Car Insurance In Texas For Young Adults: Nationwide

In Texas, young adult drivers can generally find the cheapest policy from Nationwide, with average rates starting from $128 per month.

Finding cheap liability insurance is essential for young adults in Texas as they navigate the transition to financial independence. Often balancing the costs of rent, student loans, and other living expenses, young adults need to manage their budgets carefully. Liability insurance, which is the minimum coverage required by Texas law, allows them to drive legally without the financial strain of higher premiums associated with full coverage policies.

Cheapest Liability-Only Car Insurance In Texas For Seniors: Allstate

Seniors who are looking for affordable liability car insurance in Texas can get a policy for $141 per month from Allstate.

For seniors in Texas, finding cheap liability insurance is important for maintaining financial stability during retirement. Many seniors are on fixed incomes, making it crucial to manage expenses carefully.

Cheapest Liability Car Insurance In Texas For Military Members: USAA

Military members can find the cheapest liability car insurance in Texas with USAA, at an average rate of $49 per month.

For military families in Texas, finding affordable liability insurance is particularly important due to their unique lifestyle and financial needs. Often facing frequent relocations, deployments, and the associated costs, military families benefit from reducing expenses wherever possible. Liability insurance, which is the minimum coverage required by Texas law, ensures that they remain compliant without the added burden of high premiums.

*Military Only

Cheapest Liability Car Insurance In Texas After An Accident: Allstate

Texas drivers looking for affordable liability car insurance after an accident, can find cheap rates with Allstate, averaging $104 per month.

After an accident in Texas, finding cheap liability insurance becomes essential, especially if you’re deemed at fault. An at-fault accident typically results in higher insurance premiums, making it crucial to seek out more affordable options to manage the financial strain.

Cheapest Liability-Only Car Insurance In Texas After A DUI: State Farm

Drivers in Texas with a DUI can find a policy starting from $191 per month with State farm.

After a DUI in Texas, finding cheap liability insurance becomes crucial due to the significant increase in premiums that typically follow a conviction. A DUI marks a driver as high-risk, leading insurers to raise rates substantially, which can strain finances.

How To Get Cheaper Liability-Only Insurance

Getting cheaper liability-only car insurance in Texas is possible by following a few strategic steps that can help lower your premiums. 

First, it’s important to shop around and compare quotes from multiple insurance providers. Each company evaluates risk differently, so you might find significantly different rates for the same coverage. Consider working with an independent insurance agent who can help you navigate the options and find the best deal. 

Next, look for discounts that can reduce your premiums. Many insurers offer discounts for safe driving, bundling multiple policies, or maintaining a good credit score. Additionally, if you have a low annual mileage, you might qualify for a discount, as some companies offer lower rates for drivers who don’t log many miles each year.

Another effective strategy is to increase your deductible. While this means you’ll pay more out-of-pocket in the event of a claim, it can substantially lower your monthly premium. It’s also worth considering your vehicle’s coverage limits. Opting for the state minimum liability requirements can reduce your premium, but be sure it provides enough coverage for your needs. Maintaining a clean driving record is another crucial factor. Avoiding traffic violations and accidents over time will help keep your rates low.

Finally, if you’re still facing high premiums, consider taking a defensive driving course. Some insurers offer discounts for completing these programs, which can demonstrate your commitment to safe driving. By combining these strategies, you can secure cheaper liability-only car insurance that fits your budget while ensuring you’re adequately protected on the road.

How Much Liability Coverage Does Texas Require?

To legally drive in Texas, motorists must carry a minimum amount of liability car insurance. This coverage pays for injuries and property damage you cause to others in an accident.

The minimum liability limits are often called 30/60/25 coverage:

• $30,000 Bodily Injury Liability per person – pays for medical injuries to a person you injure.
• $60,000 Bodily Injury Liability per accident – total for all injured people in one accident.
• $25,000 Property Damage Liability per accident – pays for damage you cause to someone else’s property.

These limits represent the minimum required by law and must be maintained at all times while operating a vehicle in Texas. These minimum amounts may not be enough to cover all costs in serious accidents, so you may wish to purchase additional coverage to fully cover yourself financially.

Should You Get Liability-Only Insurance?

Deciding whether to get liability-only insurance depends on several factors, primarily related to your financial situation, driving habits, and the value of your vehicle. Liability-only insurance covers the cost of damage you cause to others in an accident but doesn’t cover repairs to your own vehicle. If you drive an older car that’s fully paid off, the cost of full coverage might exceed the value of the car itself, making liability-only insurance a more cost-effective option. This is particularly true if you have the financial means to repair or replace your vehicle out of pocket.

Your driving habits also play a significant role in this decision. If you’re a safe driver with a clean record, the likelihood of needing extensive coverage may be lower, making liability-only insurance a reasonable choice. However, if you frequently drive in high-traffic areas or have a long commute, you may want to consider the potential risks and whether the savings are worth the possibility of higher out-of-pocket costs in an accident.

Additionally, consider your overall financial security. If an accident would strain your finances, full coverage might offer peace of mind, even if it costs more. On the other hand, if you’re looking to reduce monthly expenses and are comfortable assuming more risk, liability-only insurance could be the right move. Ultimately, the decision should balance your budget, the value of your vehicle, and your comfort level with potential financial exposure in the event of an accident.

Cheapest Car Insurance In Different Cities In Texas

Compare The Cost Of Liability Car Insurance To Other States

Liability-only car insurance costs can vary significantly from state to state. This variation is influenced by several factors, including state regulations, weather conditions, and road risks. For instance, drivers in South Dakota enjoy the lowest average monthly rates at just $29, while those in Michigan face the highest at $154 per month.

Below is a detailed table showcasing the average liability-only car insurance cost for each U.S. state: