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

https://www.bookmarking-planet.win/if-you-re-a-new-driver-in-texas-expect-your-car-insurance-rates-to-reflect-the

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