If you’re new to driving in Texas, understanding insurance costs helps a lot....

https://technivorz.com/why-do-insurers-charge-more-for-cars-that-are-frequently-stolen/

If you’re new to driving in Texas, understanding insurance costs helps a lot. The state requires 30/60/25 minimum coverage—meaning $30K bodily injury per person, $60K per accident, and $25K property damage