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

https://www.bookmark-help.win/getting-car-insurance-as-a-new-driver-in-texas-means-understanding-the-30-60-25

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