Blogs and Resources - LA Insurance

You finally made the big move to the Lone Star State. You’re ready for BBQ, warm weather, and no state income tax. Then you check your first Texas auto insurance quote, and your jaw drops.

Yes, you can get car insurance without a license in Texas, but the process is a more complex. Texas law doesn’t require you to hold a valid driver’s license to buy an auto insurance policy. What it does require is that every motor vehicle on the road carries minimum liability insurance to cover damages or injuries if an accident occurs.

Texas car insurance is expensive. In 2026, drivers pay around $2,672 per year for full coverage, nearly 27% higher than the national average. Even minimum coverage costs about $929 annually, which is roughly 12% more than what drivers pay nationwide.