Estimating the cost of car insurance in Texas depends on factors such as age, driving record, ZIP code, and the vehicle you drive.
With CarInsurance.com’s car insurance calculator, you can get an estimate based on your basic details for three coverage options in Texas: Full coverage with limits of 100/300/100, liability only with limits of 50/100/50 and state minimum coverage. Use the tool below to see your average insurance rates.
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Texas.
- The average annual cost of a full coverage policy in Texas with liability limits of 100/300/100 is $2,043 or $170 per month.
- Minimum liability coverage in Texas costs around $572 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Texas: How to get auto insurance estimates
CarInsurance.com editors recommend comparing quotes from at least three different car insurance companies when your policy is up for renewal. You can use online quoting tools to find car insurance estimates.
Every insurance company uses its own unique rating system, meaning they assess factors like age or driving history differently. For example, if you get a ticket, one insurer might raise your premium by 5%, while another could increase it by 20%.
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What factors affect car insurance estimates in Texas?
Insurance costs vary a lot from state to state, mainly due to different laws. Some states follow tort insurance law, while others use “no-fault” insurance law. In states with tort law, the driver who caused the accident is responsible for paying for the damages. This often leads to legal disputes to figure out who is at fault and how much they should pay.
On the other hand, no-fault insurance laws in some U.S. states simplify the process by requiring each driver’s insurance to pay for their own injuries, no matter who is at fault for the accident.
Learn more: The 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Texas by car model
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $3,429 |
| Electric | $3,133 |
| Hatchback | $2,374 |
| Hybrid | $2,733 |
| Luxury Car | $3,698 |
| Luxury SUV | $3,099 |
| Minivan | $2,382 |
| Performance SUV | $3,646 |
| Sedan | $2,545 |
| Sports Car | $3,873 |
| Station Wagon | $2,962 |
| SUV | $2,303 |
| Truck | $2,590 |
| Van | $2,122 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Find out your estimated car insurance rates in Texas by using the calculator below based on your vehicle’s make and model.
Insurance Rates by Car Model
Texas car insurance estimates for used cars
Car insurance estimates for used cars in Texas are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in Texas.
Use the car insurance calculator below to estimate your rates in Texas for used cars by make and model.
Average INSURANCE RATES for your USED CAR
FAQ: How to estimate car insurance rates before buying a car in Texas
How much auto insurance do I need in Texas?
The amount of car insurance you need depends on various factors, including your financial situation, the value of your vehicle, and your risk tolerance. If your car is leased or financed, your lender may require comprehensive and collision coverage when paired with liability, this is known as full coverage.
Each state, including Texas, has different minimum insurance requirements. However, these minimums provide only basic coverage and often fail to offer sufficient financial protection in the event of a severe car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $30,000 per person, $60,000 per accident |
| Minimum property damage liability | $25,000 per accident |
Check out our detailed guide on how much car insurance you need
How much does car insurance cost in Texas per month?
The monthly cost of full coverage car insurance in Texas, including collision, comprehensive, and 100/300/100 liability, is $170. For state minimum liability, it’s $48 per month, while liability coverage with 50/100/50 limits costs $65 monthly.
Does your age impact how much you pay for insurance in Texas?
In Texas, young drivers often pay higher car insurance premiums because they have less driving experience and are statistically more prone to accidents. Insurance providers take this data into account when determining the risk, which results in higher rates for younger drivers.
Young drivers are also more likely to participate in risky activities such as speeding and distracted driving, which affects car insurance premiums.
Explore our comprehensive guide on average car insurance rates by age
Calculate car insurance rates by ZIP code and model in your state
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Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Texas