Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Texas Farm Bureau offers the most affordable car insurance at $1,301 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Texas. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Texas and how much you need.
- The average cost of car insurance in Texas is $2,043 a year or $170 per month, based on our data analysis.
- Minimum liability coverage in Texas costs around $572 annually for limits of 30/60/25, while liability-only coverage costs $774 per year for limits of 50/100/50.
- Texas Farm Bureau provides the most affordable annual rates for full coverage car insurance in Texas, costing $1,301 per year.
- In Texas, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 27%, a DUI raising rates by 50%, and an at-fault accident by up to 64%.
How much is car insurance in Texas?
CarInsurance.com data found that drivers in Texas pay $170 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Texas based on driver profile:
- Teen drivers in Texas pay the most — about $384 a month or $4,607 a year.
- Young drivers in their 20s pay an average of $254 monthly or $3,049 annually, for car insurance.
- Senior drivers pay around $160 monthly or $1,915 a year.
- A speeding ticket can increase your rates to $235 monthly or $2,816 annually.
- An at-fault accident increases car insurance rates to $290 a month or $3,476 a year.
- Poor credit drivers usually see their car insurance costs increase to $343 monthly or $4,120 annually.
Average cost of auto insurance in Texas by coverage level
In Texas, car insurance rates can differ depending on how much coverage you choose. Drivers in Texas are required by law to have minimum insurance coverage limits of 30/60/25 to drive legally.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Texas. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Texas for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $48 | $572 |
| Liability Only – 50/100/50 BI/PD | $65 | $774 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $170 | $2,043 |
State minimum car insurance in Texas
Texas’s car insurance laws require a minimum coverage of $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum car insurance cost in Texas is $572 a year. However, this basic coverage only offers limited protection. Texas drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Texas must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Texas
Liability-only car insurance costs $774 in Texas for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Texas
In Texas, you can expect to pay around $2,043 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Texas
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Texas have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Texas
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Texas by car model
Car insurers in Texas use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Texas.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Texas
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Texas drivers aged 30 to 60 have the lowest average auto insurance rates at $2,000 annually.
Drivers aged 16-19 pay $2,607 more for car insurance than Texas drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,607 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,935 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,000 annually in Texas.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,915 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Texas
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Texas, a DUI conviction lead to increased rates and you may see a rate hike of up to 50% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Texas, be prepared for your car insurance rates to rise by up to 27% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 27% increase
- DUI conviction: 50% increase
- At-fault accident (bodily injury and property damage): 64% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Texas for high-risk drivers
High-risk drivers in Texas pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Texas
In Texas, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Texas by getting quotes from several insurers for comparison.
Below are the details of Texas car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Texas Farm Bureau | $363 | $462 | $1,301 |
| Nationwide | $596 | $748 | $1,502 |
| GEICO | $445 | $650 | $1,644 |
| Redpoint County Mutual | $656 | $905 | $1,681 |
| State Farm | $419 | $624 | $1,956 |
| Auto Club Enterprises (AAA) | $564 | $825 | $1,983 |
| Allstate | $560 | $843 | $2,941 |
| Progressive | $665 | $977 | $3,032 |
| Farmers | $1,122 | $1,543 | $4,127 |
| USAA | $446 | $602 | $1,812 |
Car insurance rates by city in Texas
Balch Springs is the most expensive city in Texas, with an average car insurance rate of $2,384 a year. Troy is the cheapest city for Texas drivers at an average rate of $1,689 annually.
Car insurance rates vary by city in Texas for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Texas’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Texas per month?
In Texas, a full coverage car insurance policy with 100/300/100 limits typically costs about $170 per month.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $48 |
| Liability Only – 50/100/50 BI/PD | $65 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $170 |
Final thoughts on choosing car insurance in Texas
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Texas.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Texas. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 30/60/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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