: Texas Farm Bureau offers the lowest average annual rate at $910 . Coverage Types : Full Coverage : Averages around $229 per month (CNBC). Liability-Only : Averages about $65 per month . Texas Insurance Requirements & Recommendations

Texas is an , meaning the driver responsible for an accident is liable for damages.

: GEICO and other major insurers offer discounts for safety features, accident-free records, and policy bundling (e.g., home and auto).