Every Texas insurance figure on this site comes from a public, verifiable source — the Texas Department of Insurance, the NAIC and the Insurance Information Institute. Here they all are.
Texas law sets the minimum liability auto coverage a driver must carry to pay for injuries and property damage they cause to others: $30,000 of coverage for injuries per person, up to $60,000 per accident, and $25,000 for property damage. It does not cover the at-fault driver’s own car or injuries.
Texas Department of Insurance — Auto insurance guideThe NAIC average expenditure estimates what the typical Texas driver paid per insured vehicle for liability, collision and comprehensive coverage combined in 2023. It is a statewide average, not a quote for any individual.
NAIC — 2023 Auto Insurance Database Average Premium Supplement (Table 4)The NAIC combined average premium sums the average liability, collision and comprehensive premiums per insured vehicle in Texas for 2023, reflecting full-coverage pricing rather than the minimum-liability cost.
NAIC — 2023 Auto Insurance Database Average Premium Supplement (Table 5)This is the statewide average annual premium for Texas homeowners policies in 2024 as reported through the state’s own residential statistical plan. Actual premiums vary widely by location, home value and coverage.
Texas Department of Insurance — Texas homeowners insurance market overviewThis nationwide all-forms average for dwelling fire and homeowners owner-occupied policies provides a U.S. baseline against which Texas’s higher home insurance costs can be compared.
NAIC — Homeowners Insurance Report: Data for 2022 (Table 4, Countrywide)The HO-4 renters policy covers a tenant’s personal belongings and liability rather than the building, which is why the nationwide average premium is far lower than homeowners coverage. This is a U.S. countrywide figure shown for context.
NAIC — Homeowners Insurance Report: Data for 2022 (Table 5, Countrywide)Plain-language explanations of what each policy type covers — auto, home, renters, condo and beyond — draw on the Insurance Information Institute, a non-profit that provides public consumer education on how insurance works.
Insurance Information Institute (III)State-specific rules, minimum coverage requirements and statewide market figures come from the Texas Department of Insurance, the regulator that oversees the insurance industry in Texas.
Texas Department of Insurance (TDI)We cite data from the regulator and the recognized statistical and educational bodies for insurance: the Texas Department of Insurance for Texas-specific requirements and statewide market figures, the National Association of Insurance Commissioners (NAIC) for premium and expenditure averages, and the Insurance Information Institute for coverage definitions and consumer education. We do not cite content-marketing or promotional sources. Every figure shown is a statewide or countrywide average for the year noted — general education only, never an estimate, an offer, or a promise of any premium. Statistics are reviewed periodically; if you find anything outdated or believe a citation is incorrect, we want to know — please call us at (469) 357-0900.