Texas Teen Driver Insurance for Parents & New Drivers
Texas requires 30/60/25 liability coverage and is an at-fault state.
Compare Teen Driver Insurance RatesTexas at a Glance
30/60/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15
Minimum learner's permit age, 30 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Texas
The state operates a three-stage Graduated Driver License (GDL) program starting at age 15 for learner permits, progressing to a provisional license at 16, and granting full unrestricted licenses at 18. Texas Insurance Code Section 1952.055 mandates that all insurers licensed in the state offer good student discounts to drivers under 25 who maintain a B average or equivalent, though the exact percentage varies by carrier. Teen drivers on learner permits or provisional licenses face different insurance rating structures than fully licensed drivers, typically resulting in higher premiums that decrease as they progress through GDL stages and age into lower-risk brackets.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
What Drivers Pay in Texas
$331–$689/mo
Typical monthly rate in Texas, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Find the Right Policy for Your Teen
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
midnight-5am (secondary)
Passengers
no more than 1 passenger younger than 21 (secondary)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance for Teen Drivers
Covers bodily injury and property damage the teen driver causes to others in an at-fault accident. Texas minimum is 30/60/25, but parents adding a teen should consider 100/300/100 or higher given statistical accident risk.
Full Coverage for Financed Teen Vehicles
Combines liability, collision, and comprehensive when a parent finances or leases a vehicle for their teen. Required by lenders and provides complete protection for the family's financial investment in the vehicle.
Uninsured Motorist Coverage
Protects the teen and family when an at-fault driver has no insurance or insufficient coverage to pay for injuries and vehicle damage. Optional in Texas but must be offered by all insurers.
Collision Coverage on Older Teen Vehicles
Pays to repair or replace the teen's vehicle after an at-fault accident, regardless of who caused the collision. Optional on paid-off vehicles but required by lenders.
Good Student Discount
Texas-mandated discount for drivers under 25 who maintain a B average or equivalent GPA. Applies to all coverage types and typically saves 10–20% on total teen driver premium.
Telematics Programs for Teen Drivers
Smartphone app or plug-in device programs that monitor driving behavior and offer discounts for safe habits. Particularly effective for teen drivers whose parents want real-time feedback on driving patterns.