In this explainer

In Texas, 20.8% of drivers carry no insurance at all, one of the highest uninsured rates in the country. Here is what that costs the drivers who do pay.

General information, not professional financial, tax, legal, or insurance advice. The Dreamy Leads Research Desk is an editorial and data team, not a licensed advisor.

Chapters

  1. 0:05 The uninsured number
  2. 0:22 What it costs insured drivers
  3. 0:40 Who writes the policies

See your Texas numbers

The figures in this explainer come from our live dataset. Explore them for your own state or metro:

Full transcript

The uninsured number

Here is the number that drives this video. About 20.8% of Texas drivers carry no auto insurance. That is roughly one in five cars on the road with no coverage behind them. General information, not professional financial, tax, legal, or insurance advice.

What it costs insured drivers

That gap is not free. The statewide average Texas auto premium is about $2,280/yr, and part of that is the uninsured-motorist protection insured drivers buy to cover themselves against the 20.8% who carry nothing. The more uninsured drivers in a state, the more that coverage matters.

Who writes the policies

The carriers writing the most policies across Texas are State Farm, Allstate, Farmers. Uninsured-motorist coverage is priced differently by each, so comparing several is the most reliable way to see what protecting yourself against uninsured drivers actually costs. General information, not professional financial, tax, legal, or insurance advice.

Frequently Asked Questions

How many Texas drivers are uninsured

In our 2026 dataset about one in five Texas drivers carries no auto insurance, one of the highest uninsured rates we track nationally. The figure is drawn from NAIC and state DOI filings. This is general information, not advice.

Does uninsured motorist coverage matter in Texas

With roughly a fifth of Texas drivers uninsured, uninsured motorist coverage is the part of a policy that protects you when an at fault driver has none. Pricing for it varies between carriers, so comparing several is the most reliable way to see the cost.

Sources