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Texas Insurance Information

Texas is the second largest state in the country in terms of population density and land mass. What separates Texas from other states is the diversity in geographical landscapes. Stunning ocean views compliment the rolling grasslands while rugged desert scenery in the southwest is in sharp contrast to the lush forests speckling the state. While Texas has deep roots in the oil and agricultural industries, major cities such as Dallas and Houston are at the forefront of technological and medical advancements. In a state the size of Texas, drivers can expect to spend a lot of time on the road. This makes having quality auto insurance coverage a necessity.

We at have included many informative articles and fascinating statistics that will assist you in your search for the right Texas auto insurance. If you want an instant Texas car insurance quote, just use the convenient form located at the top of the page. It only takes a few moments and your free personalized Texas auto insurance quote will be delivered to you. We have partnered with many of the top auto insurance agencies in the nation to help you choose a policy that fits your unique lifestyle. Don't let the challenges of everyday life get in the way of protecting yourself and your family with quality car insurance.

In addition to featuring essential Texas car insurance statistics and other important information, we have included lists of businesses and organizations related to Texas auto insurance. Whether you are looking for the nearest MVD in your area or a reputable local insurance agent, we have done the research for you! Additionally, we encourage you to look at the local information and statistics provided by finding your city at the bottom of the page. We hope to provide you with more information than you could ever need and make finding the best fit for auto insurance in Texas as easy as possible!

Texas Population Data At-a-Glance

25,674,681 total population
33 average citizen age
97 males per 100 females
29 number of cities with > 100,000 residents
Houston largest city in the state

Vital Texas Insurance Facts

Building and maintaining a strong knowledge of Texas insurance facts can prove priceless when buying new car insurance or just simply comparing your policy to other drivers' policies. Guaranteeing you are protected adequately will give you a clear conscience while driving.

Average Annual Texas Insurance Premium Payment


About $104.58/Month. Texas ranks as the 22nd most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 3,851,202 Uninsured Drivers in the State of Texas

TX Licensing Rules & Regulations

To continue to adhere with current licensing standards in Texas, you should be attentive of the renewal frequency established. Operating a vehicle on an expired registration may cause you needless anguish. Be sure to stay current on the newest standards for your particular locality, whether that is Houston or Huntsville.

Learner's Permit

15 Years

Unrestricted License

17 Years

Renewal Frequency

6 Years

Safety Requirements, Handheld Devices in Texas

It is certainly in your best interest to comply with the safety regulations the authorities in Texas and your local community, like San Antonio or San Angelo, have established. Not only will you save money as well as time, you will guard yourself and other drivers simultaneously. Recalling to always wear a seatbelt and refraining from using a handheld device such as a cellular phone will reduce your chances of getting into a car accident.

Seatbelt Offenses


Motorcycle Helmets

20 and Under

Handhelds Banned?


Text-Messaging Banned?


Texas Impaired Driving Laws

There is little lenience towards Texas drivers who drive a motor vehicle while under the influence of drugs or alcohol. DWI punishments continue to become more severe as time elapses, so it is imperative to be conforming when driving. To steer clear of a penalty, make clear in your mind you are familiar with the laws and regulations for the state of Texas.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

12 Days

Maximum Jail Sentence

180 Days

SR-22 Required?


Open Container Law