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Here you will find out everything you need to know to buy car insurance in Texas. We provide average Texas auto insurance rates for your neighborhood. You’ll also learn how much car insurance you need for your particular situation. That means you’ll know what to expect when shopping for auto insurance in Texas – and you won’t overpay for it. You'll also see rates for the following:

  • Low cost auto insurance for drivers with tickets
  • Companies ranked from cheapest to most expensive for drivers with accidents
  • Cheap car insurance for drivers with bad credit
  • Ranking of the best car insurance companies for Texas drivers
Key Highlights
  • Average rates for three coverage levels and six age groups by ZIP code
  • Rates and savings by coverage level, ZIP code and company
  • Average increase to rates for accidents, tickets, bad credit
  • Best Texas car insurance companies based on customer satisfaction survey

car-insurance-rate
Average Car Insurance In Texas (TX)
$152/mo.
Average monthly cost for Texas drivers for full coverage

Everything you must know about Texas insurance

Car insurance rates vary by state, as each state has its own laws that stipulate how much coverage you need to drive legally. Still other state laws may or may not ban the use of credit or gender and other factors when rates are being set by insurance companies. Here we’ll explain Texas insurance laws that impact your rates, as well as those that relate to moving violations

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Texas Car Insurance Rates by ZIP Code

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Coverage Types
*Please enter valid Zip
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
78701, Austin,  For 30 Year Old  Male  (Type:  Liability - Minimum )
Average Monthly Premium
$50
Highest Rate
$61/mo
Lowest Rate
$42/mo
Compare personalized quotes from up to 20 companies in Texas now

The average car insurance rate in Texas is $152 a month, or $1,823 a year for a driver age 30 for full coverage. That’s $65 more annually than the national average ($1,758). The average car insurance rate for state minimum coverage is just under $25 a month, or $414 a year.

Enter a ZIP code in the tool above to see the average premium for the location. You will also see the highest and lowest rates from the six major carriers surveyed. You can get a more customized rate by choosing from among six age groups and three coverage levels. This way you can tell if your insurance quotes are too high and if you should keep shopping for a lower rate.

Who has the cheapest car insurance in Texas?

Texas Farm Bureau has the cheapest car insurance in Texas for lower limits of coverage, among carriers surveyed in our experts’ data analysis of rates for nearly all ZIP codes in the state.

CompanyState minimum average annual rate50/100/50 average annual rate100/300/100 average annual rate
Texas Farm Bureau Mut Ins Co$414$458$1,465
State Farm Mut Auto Ins Co$446$495$1,421
AAA TX Cnty Mut Ins Co$493$537$1,784
Geico County Mutual Ins Co.$527$562$1,539
Allstate Fire & Cas Ins Co$615$633$3,065
Colonial Cnty Mut Ins Co$735$708$1,663

State Farm is the cheapest  car insurance company for full coverage policies in Texas, among those surveyed. Here’s how much less State Farm’s average rate is compared to others:

  • $45 less than Texas Farm Bureau
  • $360 less than AAA
  • $120  less than Geico
  • $1,645  less than Allstate
  • $240  less than Colonial

Texas Farm Bureau’s rates were cheapest for liability insurance for Texas drivers, compared to other carriers surveyed. For state minimum liability requirements, Texas Farm Bureau was:

  • $50 cheaper a year than State Farm
  • $80 cheaper than AAA
  • $110 cheaper than Geico
  • $200 cheaper than Allstate
  • $320 cheaper than Colonial

Cheap auto insurance in Texas

Texas car insurance laws mandate that drivers carry minimum liability coverage limits of 30/60/25 on their vehicle. Buying the state required limits to drive is definitely the cheapest way to go. But if you opt for the cheapest car insurance in Texas, you are only covered for damage you do to other drivers’ cars and for others’ injuries. That means your insurer won’t pay for damage to your car or for your injuries if you cause an accident. Still, buying just the minimum coverage required is a good idea if you have an old car or don’t drive much.

It does cost more to buy more protection, but as you’ll see in the chart below, additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with $500 deductible costs, on average, $1,285more, or about $100 a month. For higher liability limits, the extra cost is just $27 a year, so only about $2 monthly.

Coverage limitsAverage annual rate
Liability Only - state minimum$538
Liability Only - 50/100/50 BI/PD$565
Full Coverage - 100/300/100 BI/PD $500 Comp/Collision deductible$1,823

*The table shows the average annual rate of nearly every ZIP code in Texas from up to six major insurance companies. Rates are for a male driver, age 30, with a clean record and good credit for a 2018 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.

Tips for getting low cost insurance in Texas

The most effective way to find low cost Texas insurance is to compare car insurance quotes from multiple carriers. Your age, your driving record, the model of car you have, the severity and frequency of claims in your neighborhood and other variables are used by insurance companies to figure out the cost of your policy. That’s why the price for the same coverage can vary significantly among insurance companies — and why you should compare rates.

 For example, Dallas ZIP code 75241 is among the most expensive ZIP codes for full coverage insurance in the state. But you can still save on coverage by comparing rates. The highest monthly rate ($268) among six carriers is $166 more than the lowest ($102). So over a year, that add up to nearly $2,000 you could save. If you want to compare car insurance quotes, use our tool above. You should comparison shop upon renewal, but also if you move, add a vehicle or teen driver to your policy, get married or divorced, or have a significant change in your credit score.

Other tips for garnering the most affordable Texas car insurance include:

  • Maximizing discounts, for instance bundling your home and auto with the same company can trim an average of 10% to 12% from your auto rates.
  • Dropping comprehensive and collision for cars that are worth less than $3,000
  • Hiking your deductible amount, for instance, from $500 to $1,000

Filing an accident claim means you are likely to pay more for your car insurance coverage. However, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses risk differently, so that's why the increase after an accident will vary among insurers. Here is how major carriers compare after at-fault accidents for the average Texas driver with a full coverage policy:

Company1 At-fault property damage accident over $2K2 At-fault property damage accident over $2kAt-fault bodily injury accident
Allstate F&C$3,046$4,558$3,046
GEICO County Mutual Ins Co.$1,966$2,737$1,966
Nationwide CCMIC$3,030$4,083$3,030
Progressive Cty Mtl$1,745$3,234$1,745
State Farm Mutual Auto$1,718$2,032$1,718

If you get a speeding ticket, chances are you'll see an increase in what you pay for car insurance, upon your policy renewal. Typically, you'll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you'll see that the difference between the highest rate and the lowest in the table below is $1,325, on average, according to CarInsurance.com's rate analysis. That's how much you can save by comparing car insurance companies.

CompanyAverage Rate
State Farm Mutual Auto$1,166
GEICO County Mutual Ins Co.$1,757
Progressive Cty Mtl$1,880
Allstate F&C$2,186
Nationwide CCMIC$2,491

No matter where you live, adding a new driver to your family policy will hike your rate significantly. In Texas, you can expect your rate to go up by an average of 167 percent when adding a driver age 16 to your coverage, according to CarInsurance.com rate data. You'll see in the table below how much it costs, on average, to add a teen driver in Texas, and how major insurers compare on price. State Farm had the lowest auto insurance cost for adding a driver age 16 to a full coverage family policy, among insurers surveyed.

CompanyAverage RateAverage Rate after adding female teen$ Increase (female)Average Rate after adding male teen$ Increase (male)
Allstate F&C$2,186$6,331$4,146$7,518$5,332
GEICO County Mutual Ins Co.$1,333$2,674$1,341$2,948$1,616
Nationwide CCMIC$1,930$3,452$1,522$4,091$2,161
Progressive Cty Mtl$1,604$4,154$2,550$4,607$3,003
State Farm Mutual Auto$1,166$2,562$1,396$2,771$1,605

Enter an age from 18 to 25 to see who has the best rates for young drivers in Texas, by company.

You’ll see in the chart below which car insurance companies have the lowest rates for young drivers buying a full coverage policy. Average car insurance rates by age data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for student discounts and by staying on their parents’ policy as long as possible.

Below you can see average rates by company, from least to most expensive, for drivers age 65 and over, buying a full coverage policy. In addition to comparing car insurance companies, seniors may qualify for mature driver discounts that can trim costs.

Car insurance for drivers with bad credit costs significantly more than it does for those with good credit. Texas is among the worst states for drivers with bad credit, as CarInsurance.com's data analysis shows it has the fourth highest percentage increase for bad credit drivers. Compared to good credit drivers, those in Texas with bad credit pay 93 percent more, on average. The good news is that you can still shave some money off your coverage costs if you compare car insurance companies. You'll see below that the difference among major insurers is nearly $1,665 for a full coverage policy for a driver with bad credit. That's how much you can potentially save by comparing car insurance quotes.

CompanyPoor credit
State Farm Mutual Auto$2,338
Progressive Cty Mtl$2,966
Nationwide CCMIC$3,008
GEICO County Mutual Ins Co.$3,539
Allstate F&C$4,001

Best car insurance companies in Texas

Scores are based on Insure.com’s “Best Insurance Companies” customer review survey of 3,700 customers. Policyholders ranked insurers on claims handling, customer service, value, mobile apps/website usefulness and were asked if they would renew their coverage and if they would recommend the company. All scores are out of 100.

  1. The Auto Club Group - AAA 91.89
  2. Auto Club of Southern California* 90.77
  3. CSAA Insurance Group 89.67
  4. USAA 88.54
  5. Mercury 87.97
  6. Erie 87.76
  7. Metlife 86.71
  8. Nationwide 86.34
  9. Progressive 86.02
  10. Safeco 85.7
  11. American Family 85.47
  12. Hartford 85.44
  13. Allstate 85.32
  14. The General 84.48
  15. State Farm 83.6
  16. Geico 83.22
  17. Liberty Mutual 80.98
  18. Farmers 80.24
  19. Esurance 79.19
  20. Travelers 76.07

*Auto Club of Southern California(Auto Club Enterprise Insurance Group)

Texas Auto Insurance Laws - State Minimum Requirements TX

Texas car insurance laws mandate that drivers carry minimum liability coverage limits of 30/60/25 on their vehicle. Buying the state required limits to drive is definitely the cheapest way to go. But if you opt for the cheapest car insurance in Texas, you are only covered for damage you do to other drivers’ cars and for others’ injuries. That means your insurer won’t pay for damage to your car or for your injuries if you cause an accident. Still, buying just the minimum coverage required is a good idea if you have an old car or don’t drive much.

Minimum bodily injury liability$30,000/$60,000
Minimum property damage liability$25,000

How to get cheap SR-22 auto quotes in Texas

In some cases if you’ve been convicted of moving violation such as DUI, reckless driving or driving without insurance, the state will require you to have an SR-22 form on file. An SR-22 is not an actual type of car insurance. The SR-22 is simply a form that your car insurance company files on your behalf with the state. It’s the company’s guarantee to the state that you have legally mandated car insurance coverage.

An SR-22 by itself doesn't raise your insurance rates. Rather, it's the conviction that triggered the requirement that causes your premiums to increase. So, getting cheap SR-22 auto quotes for Texas drivers is the same process any driver would take to get the most affordable coverage. That means comparison shopping. You’ll see below how insurance companies in Texas compare for SR-22 policies. This shows that you can still get cheap SR-22 quotes in Texas by comparing quotes from multiple carriers.

CompanyAnnual rate SR22 with DUIMonthly rate SR22 with DUI
Farmers$1,369$114
Progressive$1,412$118
Geico$1,552$129
State Farm$1,728$144
Nationwide$2,146$179
Allstate$2,559$213

* Average rates

Non onwers car insurance in Texas

Car insurance companies offer non-owner policies because the industry is aware that there are some instances when a person may need to carry car insurance but doesn't have a vehicle to place on the policy. The average cost of a non-owner policy is $474.

Typically, drivers who need a non-owner policy are mandated by the state to have car insurance coverage, but don’t own a car. In other cases, drivers who don’t own a vehicle, but want coverage for when they drive a rental or other car buy non-owner policies.

DWI in Texas

Under Texas state law, a .08 BAC (blood or breath alcohol concentration) means you are legally intoxicated and may be arrested and cited for driving while intoxicated (DWI). However, a person is also intoxicated if impaired due to alcohol or other drugs regardless of BAC. Whether you're the driver or the passenger, you can be fined up to $500 for having an open alcohol container in a vehicle.

If stopped and you refuse to take a blood or breath test, your driver license will be automatically suspended for 180 days. After two or more DWI convictions in five years, you must install a special ignition switch that prevents your vehicle from being operated if you've been drinking.

It varies depending on the number of convictions:

First Offense

  • A fine of up to $2,000
  • Three days to 180 days in jail
  • Loss of driver license up to a year
  • Annual fee of $1,000 or $2,000 for three years to retain driver license

Second Offense

  • A fine of up to $4,000
  • One month to a year in jail
  • Loss of driver license up to two years
  • Annual fee of $1,000, $1,500 or $2,000 for three years to retain driver license

Third Offense

  • A $10,000 fine
  • Two to 10 years in prison
  • Loss of driver license up to two years
  • Annual fee of $1,000, $1,500, or $2,000 for three years to retain driver license

A DWI stays on your record permanently in Texas unless you are able to get it expunged or sealed, according to the Dallas-based Law Offices of Randall B. Isenberg. However, a state law passed in 2017 now allows drivers who meet certain criteria to have DUI convictions sealed, by petitioning the court for non-disclosure. That means, in effect, that while it remains on your record, it won’t be seen by people reviewing your record, for instance landlords and potential employers.

How long a DUI will impact your car insurance rates depends on your insurance company. Generally, it will be at least two to three years, but can be up to seven.

Expert's recommendation on how much car insurance do you need in Texas?

The cheapest car insurance may not provide sufficient protection, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you have a home and investments, consider buying more insurance. If you don’t, you’re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage

We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

If you're leasing or financing your car, you must get coverage of 100/300/100 or higher.

Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:

  • less than 10 years old, you should strongly consider buying collision and comprehensive.
  • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.

For drivers in Texas, collision costs an average of $529 yearly, comprehensive is $228, according to CarInsurance.com rate data. If you buy comp and collision, check our guide to choosing a deductible amount.

These are both optional coverages and should match the liability limits you choose. Uninsured motorist coverage and underinsured motorist coverage pays for damages if you’re hit by a driver with no insurance or a driver with coverage that’s insufficient to pay for your repairs and medical expenses

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Texas, it's an optional addition to your car insurance policy. MedPay does the following:

  • Covers you and your passengers’ medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

  • Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

If you don’t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

  • If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
  • If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
  • If you own your car outright, you don’t need gap insurance.

More About Texas Auto insurance and FAQs

You can get Texas auto insurance quotes online by researching multiple carriers, and by clicking on the button below.

When comparing car insurance quotes, you will typically need to provide fairly basic information:

  • ZIP code
  • Basic personal information – name, age, birthday
  • Driving history
  • Current insurance company
  • Information on other drivers in your household
  • Vehicle make and model
  • Desired coverage types, limits and deductibles

More detailed quotes may also require:

  • All vehicles VIN (vehicle identification number)
  • If you own, lease or financed your vehicle
  • Annual mileage
  • All household driver’s license numbers
  • Amount of time you’ve been insured

Once you provide the information, you will typically get a quote that is in many cases an estimate of what you will pay. Generally, you won’t get the actual rate until you lock in a policy. If the difference between the quote and your rate is significant, you can opt out of buying the policy, though generally the estimate will be fairly accurate.  Once you are ready to buy a policy you will for certain need to have handy specific information, such as your driver’s license number, VIN and so on.

I don’t think we want to get into insurance without a license, is outlier situation and people searching that likely not going to get quotes or be able to get insurance unless from high risk driver pool if not licensed,

The average car insurance rate for Texas ($1,823) is about $65 more than the national average ($1,758). It ranks Xth among all states, so is in the middle of the pack, relatively speaking. Yet, it may seem coverage is still pricey. One reason why car insurance costs in Texas are relatively high is because it has one of the highest levels of required coverage that you need to drive legally. It’s state minimum requirements are 30/60/25, among the highest in the nation. It’s also a large state with the majority of the drivers living in densely populated urban areas. Urban areas and big cities tend to have higher rates than rural areas, because there are more drivers on the road, which means there tends to be more accident claims. This increases rates for everyone, even though drivers in rural Texas pay much less, typically, than driver in the state’s big cities. Texas is also known for having some of the highest speed limits in the country, which can lead to accidents that may have more extensive damage, compared to those happening at lower limits.

The short answer is: yes. But you may not want to buy it. You can find auto insurance with no credit check, but it may not be the best route to take if you want to get the most affordable car insurance as a driver with bad credit. There are some insurance companies that specialize in high-risk drivers that may not run a credit check when selling you a policy. However, these carriers typically sell policies with very limited coverage at very expensive rates. The best way to get low-cost insurance with bad credit is to compare rates from both traditional and non-traditional companies. Often, the lowest rate will be from a major insurance company that runs a credit check, rather than from a smaller company that does not.

Here are the highways and roads where the most fatal accidents happened in 2017, according to the most recent data available from the Fatality Analysis Reporting System research compiled by the National Highway Traffic Safety Administration:

RoadsNumber of Fatal Accidents
I-20115
I-10115
I-3593
I-4547
US-5937
I-3037
SR-634
US-29029
SR-7128
US-28726

Largest car insurance companies in Texas

RankCompanyPremiums WrittenMarket Share
1State Farm Group3,563,12016.83%
2Berkshire Hathaway Insurance Group2,637,48912.46%
3Allstate Insurance Group2,362,58411.16%
4Progressive Insurance Group2,041,3459.64%
5Farmers Insurance Group1,842,7358.70%
6USAA Group1,712,9498.09%
7Liberty Mutual Insurance Companies1,195,7355.65%
8Nationwide Group473,3422.24%
9American Family Insurance Group32,4530.15%
10Travelers Group27,9550.13%

Source: A.M. Best; State/Line (P/C Lines)  - P/C, US; Data as of:November 28, 2018

Average annual car insurance rates for major cities in Texas

Below you'll see how average annual rates for several of the largest cities in the state compare to state and national averages. Rates are for coverage of $100,000 per person/$300,000 per accident in liability and $50,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.

Average annual car insurance rates in Texas

Show Tablular Data
CityAverage Premium
Amarillo$1,945
Arlington$1,924
Austin$1,841
Corpus Christi$1,881
Dallas$2,202
El Paso$1,811
Fort Worth$1,858
Garland$2,090
Houston$2,158
Irving$2,013
Laredo$2,068
Lubbock$1,837
Plano$1,877
San Antonio$1,914
Texas$1,823
National$1,759
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