Teen Driver Insurance in Texas: Parent & Young Driver Guide
Texas requires 30/60/25 liability coverage and is an at-fault state.
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Texas 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
State Requirements
The state operates a graduated driver licensing (GDL) program requiring teens to hold a learner license for at least six months (starting at age 15), then an intermediate license with passenger and nighttime restrictions until age 18 or for 12 months, whichever comes first. Texas Insurance Code Section 1952.055 mandates that all insurers offer good student discounts to drivers under 25 who maintain a B average or equivalent, and completion of a state-approved driver education course can qualify teens for additional premium reductions.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
Cost Overview
$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
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Compare Teen Driver 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
Frequently Asked Questions
What are the graduated licensing rules for teen drivers in Texas?
Texas requires teens to hold a learner license for at least six months starting at age 15, complete a driver education course and 30 hours of supervised driving (10 at night), then move to an intermediate license with restrictions: no more than one non-family passenger under 21, no driving between midnight and 5 a.m. unless for work/school/emergency, and no cell phone use. Teens can obtain a full unrestricted license at age 18 or after holding the intermediate license for 12 months and completing an additional 10 hours of supervised driving, whichever comes first.
Does Texas require auto insurance for learner's permit holders?
Yes. Texas requires all drivers, including those with learner permits, to be covered by liability insurance whenever they operate a vehicle on public roads. When a teen with a learner license drives a parent's car, they are typically covered under the parent's existing policy as a permissive user, but most insurers require parents to formally add the teen as a listed driver once they obtain a learner permit—this triggers the premium increase even though the teen is only driving under supervision.
Coverage Types
Liability Insurance
Pays for injuries and property damage the teen driver causes to others. Texas requires 30/60/25, but this can be insufficient if a teen causes a serious accident.
Collision Coverage
Pays to repair the teen's vehicle after an at-fault crash, minus the deductible. Required if the vehicle is financed; optional on paid-off vehicles.
Comprehensive Coverage
Covers theft, hail, vandalism, and animal strikes. Typically less expensive than collision because it doesn't involve at-fault accidents.
Uninsured/Underinsured Motorist
Protects the teen if they're hit by a driver with no insurance or inadequate coverage. Texas has a 14% uninsured driver rate.
Full Coverage
Liability plus collision and comprehensive. Required by lenders if the teen's vehicle is financed or leased.
Medical Payments Coverage
Pays medical bills for the teen and passengers regardless of fault. Optional in Texas but offers a layer of protection for accident-related injuries.