Texas Car Insurance Rates by ZIP Code and City | CarInsurance.com
Call Us Toll Free: 1-855-430-7753

Texas Car Insurance

Texas is really a bunch of different states flying the same flag. No further proof is needed beyond car insurance rates: Drivers in Houston pay half again as much as drivers in Wichita Falls, nearly 400 miles away. You can see state car insurance rates for all Texas cities and towns compared in the map below.

Texas car insurance requirements

Texas state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $30,000/$60,000
Minimum property damage liability $25,000
Texas Car Insurance Rates by ZIP Code & City To learn more about the most and least expensive cities for car insurance, click the link below. Car insurance rate comparison >
Top Cities
Priciest Neighborhoods
In Texas
  • 77091: $1,816
  • 77093: $1,815
  • 77037: $1,814
  • 77028: $1,813
Cheapest Neighborhoods
In Texas
  • 76901: $1,138
  • 79567: $1,167
  • 76957: $1,170
  • 76904: $1,175

Texas Car Insurance Quotes

Get real, custom quotes
and buy a better policy in minutes!

What you need to know about car insurance in Texas

Penny Gusner
Consumer Analyst

Texas' minimum requirements for car liability insurance are about average compared with other states and may be adequate if you do not have substantial savings or a home to protect. Otherwise, most experts suggest $100,000 in bodily injury liability coverage ($300,000 per accident) and $100,000 in property damage liability coverage as adequate to protect a family's assets.

Get comprehensive coverage? Hail yes. Texas gets more hailstorms than any other state in the country, and only comprehensive coverage will pay for the damage they do to your car. (Here's what you need to know about hail damage claims.)

Fines, fees and surcharges. You'll pay and pay and pay if you rack up moving violations in Texas. First, you'll have to pay the fine for the violation itself. Then, if your driving record accumulates six points or more, you'll have to pay an annual fee of at least $100. (The surcharge for drunken driving can reach $2,500 a year for three years.) And that doesn't even count what your insurance company will do to your rates.

Moving violations stay on your Texas motor vehicle record five years.

Bring your insurance card: You must provide valid proof of insurance (or another accepted form of financial responsibility) to the county assessor-collector when registering a motor vehicle in Texas.

Mandatory discount: Texas requires a 5 percent discount when the principal driver on a policy completes a drug and alcohol awareness training class.

Brain buckets: Texas' mandatory motorcycle helmet law was repealed in 1997, but exceptions remain for riders under 21 or those who lack health insurance.

Uninsured motorist penalties in Texas:You may be fined $175 to $300 and you may be required to file an SR-22 form.

Largest car insurance companies in Texas by market share

Rank Company / Group Direct Premiums Written ($) Market share (%)
1 State Farm Group 2,923,827 19.23
2 Allstate Insurance Group 1,711,014 11.25
3 Farmers Insurance Group 1,651,484 10.86
4 Progressive Insurance Group 1,329,425 8.74
5 Berkshire Hathaway Insurance 1,238,220 8.14
6 USAA Group 1,145,519 7.53
7 Texas Farm Bureau Group 570,737 3.75
8 Nationwide Group 540,909 3.56
9 Home State Insurance Group 528,694 3.48
10 Old Amer Capital Group 457,374 3.01
Source: A.M. Best market share rankings are based on direct premiums written in 2013.

Car Insurance in Texas Cities