Houston averages $86 a month for state-minimum liability, tied with Dallas for the highest of the ten Texas cities MoneyGeek breaks out, and commuters cover long distances on I-45, I-10, US 59 and the 610 Loop. This page sets out what the minimum covers.
State-minimum liability in Houston averages about $86 a month, against $66 across Texas. It buys 30/60/25 coverage, which pays for injury and damage you cause to other people and nothing toward your own vehicle.
Searching for cheap car insurance in Houston usually means searching for the state minimum. This guide sets out what that minimum costs on average, what it covers, and how to compare quotes fairly.
State-minimum liability in Houston averages about $86 a month, tied with Dallas for the highest of the ten Texas cities MoneyGeek breaks out, against $66 statewide and $60 nationally.
| Coverage level | Houston | Texas | National |
|---|---|---|---|
| State-minimum liability | $86 / mo | $66 / mo$795 / yr | $60 / mo$726 / yr |
Source: MoneyGeek, Average Cost of Car Insurance in Texas for 2026, page updated 3 October 2026. Market averages across all carriers, not GoAuto rates. MoneyGeek publishes city figures monthly only.
GoAuto focuses on state-minimum liability coverage, the lowest coverage level the law allows, with no commissioned agents. You can get a quote online, by phone, or at one of GoAuto’s Houston offices, and add collision and comprehensive where you need them.
All Texas drivers, including those in Houston, must carry at least:
Texas Transportation Code section 601.072 sets those limits. Texas policies also include personal injury protection unless you reject it in writing, and insurance status is checked through TexasSure. Many drivers carry more than the minimum to protect against repair and medical costs the minimum does not cover.
Sources: Texas Transportation Code section 601.072; Texas Department of Insurance, Auto insurance guide.
Every dollar of a 30/60/25 policy pays for harm you cause to someone else. None of it pays toward repairing or replacing your own vehicle.
GoAuto’s Houston page notes that Harris County commuters “cover long distances on I-45, I-10, US 59 and the 610 Loop, and more miles in heavier traffic means more exposure to claims.” Flooding and hail add exposure that sits on the comprehensive side, which a minimum policy does not include.
A minimum policy keeps you legal and covers other people. It leaves your own vehicle to you.
The minimum is a legal floor, set at $30,000 per person and $60,000 per accident for injuries you cause, and $25,000 for property damage. Three questions decide whether it fits your situation.
Uninsured drivers are a further consideration. The Insurance Research Council estimates 14.5 percent of Texas drivers were uninsured in 2023, and uninsured and underinsured motorist coverage is the part of a policy that responds when one of them hits you.
Uninsured share: Insurance Information Institute, Facts and Statistics: Uninsured Motorists (Insurance Research Council, 2023 data).
Comparing minimum-coverage quotes in Houston works best at identical limits and deductibles, with a clear view of what the minimum leaves uncovered.
GoAuto Insurance writes auto coverage across its licensed states, including Texas, and considers drivers with a range of records, including tickets, accidents, DUIs, and coverage lapses. GoAuto focuses on state-minimum liability coverage, the lowest coverage level the law allows, and can handle SR-22 filing once your policy is active. Down-payment and payment options vary by state and situation. Eligibility, coverage, filing timelines, and pricing depend on your state and your individual circumstances, so the best way to see what applies to you is to get a quote. You can also call 833-700-0000 or visit one of the Houston offices listed above.
State-minimum liability in Houston averages about $86 a month, according to MoneyGeek’s 2026 Texas analysis, against a Texas average of $66. These are market averages across all carriers, not GoAuto rates.
Texas requires 30/60/25 liability: $30,000 for bodily injury to one person, $60,000 per accident, and $25,000 for property damage. It pays for injury and damage you cause to other people and nothing toward your own vehicle. Texas Transportation Code section 601.072 sets those limits.
It depends on three things: whether a lender or lease requires more, whether you could replace your vehicle out of pocket, and whether $30,000 per person would cover the harm you could cause. If a lender has an interest in the car, the minimum is not an option.
Quote the same limits and the same deductibles everywhere. A quote that looks lower is often a different product rather than a lower price for the same coverage.
Yes. GoAuto’s locations directory lists Houston-area offices at 9210 Highway 6 South (77083), 10909 Jones Road (77065), and 156 FM 1960 East, Suite F (77073), with others in Pasadena and Katy. You can also get a quote online or by phone on 833-700-0000.
Get the best coverage options in Houston by connecting with a dedicated agent, finding a sales office near you, or receiving your free online quote today!
Last updated: October 2026. The information on this page is general educational content drawn from public industry sources. Specific rate impacts vary by state, by carrier, by individual driving history, and by the rate factors filed and approved with each state Department of Insurance. The figures on this page are third-party market averages, not GoAuto rates or rating factors. For an accurate quote, contact GoAuto directly.
