New drivers in Texas often start with the state minimum coverage of 30/60/25,...

https://harpersnewinsight.brightsora.com/posts/how-do-i-avoid-buying-the-bare-minimum-just-to-be-legal-in-texas

New drivers in Texas often start with the state minimum coverage of 30/60/25, but rates can differ a lot. Where you live matters—city or rural areas—plus your age, driving record, credit-based insurance score, and car model all play a role