In Texas, new drivers pay car insurance based on state minimums like 30/60/25...

https://www.cabmotors.com/how-much-does-car-insurance-really-cost-in-texas/

In Texas, new drivers pay car insurance based on state minimums like 30/60/25 liability coverage. Rates change a lot depending on whether you live in a city or rural area, your age, driving record, credit-based insurance score, and the car you drive