Full Coverage Car Insurance in Texas
Liability, collision and comprehensive on one policy, compared across 35+ carriers with no credit check and same-day proof of insurance.
What Is Full Coverage Car Insurance in Texas?
In Texas, “full coverage” means the 30/60/25 liability the law requires plus collision and comprehensive, which pay to repair or replace your own car. Lenders require it on financed and leased cars. A clean-record driver in suburban Dallas-Fort Worth typically pays $120 to $180 a month (agent estimate, 2026). A-LA compares 35+ carriers for you, with no credit check.
What Full Coverage Includes in Texas
“Full coverage” is a common name, not a legal term. On a Texas policy it is usually these parts together:
Liability (30/60/25)
Required by Texas law. Pays for injuries and property damage you cause to others: $30,000 per person, $60,000 per accident, $25,000 property damage.
Collision
Pays to repair or replace your own car after a crash, whoever is at fault, minus your deductible.
Comprehensive
Pays for theft, hail, flood, fire, vandalism and hitting an animal, minus your deductible.
PIP and UM/UIM
Texas carriers must offer personal injury protection (at least $2,500) and uninsured/underinsured motorist coverage; you keep them unless you reject them in writing.
Optional extras such as rental reimbursement, roadside help and gap coverage can be added. Full coverage is never required by Texas law, but a lender or leasing company will require it; see is full coverage required in Texas.
Liability Only vs. Full Coverage in Texas
| What it pays for | Liability only | Full coverage |
|---|---|---|
| Injuries you cause to other people | ||
| Damage you cause to other people's cars and property | ||
| Repairs to your own car after a crash (collision) | ||
| Theft, hail, flood, fire or vandalism to your car (comprehensive) | ||
| Meets the Texas legal minimum (30/60/25) | ||
| Accepted by a lender or leasing company on a financed car | ||
| Typical monthly price, suburban DFW, clean record | $65–$90 | $120–$180 |
Agent estimates, not quotes. For a deeper comparison, read our guide to full coverage vs. liability in Texas.
How Much Is Full Coverage Car Insurance in Texas?
A clean-record driver in suburban Dallas-Fort Worth typically pays $120 to $180 a month for full coverage, and urban DFW ZIPs typically run $140 to $230. Your price depends on your ZIP code, driving record, vehicle and deductible.
| Area | Typical full coverage, per month |
|---|---|
| Suburban Dallas-Fort Worth, clean record | $120–$180 |
| Urban DFW ZIPs (75211, 76104, 75227), clean record | $140–$230 |
| Dallas | $140–$220 |
| Fort Worth | $130–$200 |
| San Antonio | $135–$210 |
| Houston | $160–$245 |
| El Paso | $120–$185 |
Typical estimates as of 2026, from the ranges published on each linked page. Not a quote. Call (866) 252-6116 for your rate.
How to Get Cheaper Full Coverage in Texas
- Compare several carriers for the same limits: prices for the same driver vary widely.
- Pick a deductible you could pay after a claim. A higher deductible lowers the monthly price.
- Keep coverage continuous. A lapse can raise your next rate.
- Ask about discounts, such as a state-approved defensive driving course.
- Once the car is paid off and worth little, price liability-only next to full coverage.
Ready to compare prices? Start with cheap full coverage car insurance in Texas, see no down payment car insurance in Texas, or read when to drop full coverage on an older car.
How to Get Full Coverage Today
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Individual results vary. Your rate depends on your driver, vehicle, and coverage details.