In Texas, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Texas by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Texas
The Hyundai Venue and Chevrolet TrailBlazer are the cheapest vehicles to insure in Texas, closely followed by the Honda HR-V and Volkswagen Taos, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Texas and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Hyundai Venue | $1,304 |
| Chevrolet TrailBlazer | $1,331 |
| Honda HR-V | $1,351 |
| Volkswagen Taos | $1,352 |
| Volkswagen Tiguan | $1,353 |
| Kia Seltos | $1,364 |
| Mazda CX-5 | $1,386 |
| Honda CR-V | $1,391 |
| Mazda CX-30 | $1,393 |
| Chevrolet Express | $1,396 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Texas
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Minivan is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Texas
According to our data, the Volkswagen Jetta is the cheapest sedan to insure, with an average six-month full coverage premium of $1,576. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Subaru Legacy ranks second on our list with an insurance cost of $1,588, followed by Honda Civic Sedan, which costs $1,612 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Texas and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Volkswagen Jetta | $1,576 |
| Subaru Legacy | $1,588 |
| Honda Civic Sedan | $1,612 |
| Mazda 3 Sedan | $1,626 |
| Toyota Camry | $1,634 |
| Kia Forte | $1,640 |
| Nissan Versa | $1,646 |
| Nissan Sentra | $1,666 |
| Chevrolet Malibu | $1,671 |
| Honda Accord | $1,678 |
| Toyota Corolla | $1,684 |
| Hyundai Elantra | $1,701 |
| Kia K5 | $1,740 |
| Volkswagen Jetta GLI | $1,743 |
| Hyundai Sonata | $1,755 |
| Nissan Altima | $1,837 |
| Mitsubishi Mirage G4 | $1,853 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Texas
The Chevrolet TrailBlazer and Honda HR-V have the lowest car insurance rates, at $1,331 and $1,351, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Chevrolet TrailBlazer | $1,331 |
| Honda HR-V | $1,351 |
| Volkswagen Taos | $1,352 |
| Volkswagen Tiguan | $1,353 |
| Kia Seltos | $1,364 |
| Mazda CX-5 | $1,386 |
| Honda CR-V | $1,391 |
| Mazda CX-30 | $1,393 |
| Toyota Corolla Cross | $1,418 |
| Subaru Crosstrek | $1,418 |
| Hyundai Kona | $1,423 |
| Kia Sportage | $1,427 |
| Jeep Compass | $1,430 |
| Hyundai Tucson | $1,442 |
| Chevrolet Trax | $1,458 |
| Ford Escape | $1,482 |
| Subaru Forester | $1,484 |
| Kia Sorento | $1,492 |
| Mazda CX-50 | $1,497 |
| Chevrolet Equinox | $1,500 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Texas
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,619.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,619 |
| Honda Civic Si | $1,687 |
| Chevrolet Camaro | $1,897 |
| BMW Z4 | $2,007 |
| Subaru BRZ | $2,012 |
| Ford Mustang | $2,022 |
| Subaru WRX | $2,091 |
| Toyota GR Supra | $2,104 |
| Honda Civic Type R | $2,116 |
| Toyota GR Corolla | $2,125 |
| Toyota GR86 | $2,172 |
| Porsche 718 Boxster | $2,195 |
| Porsche 718 Cayman | $2,198 |
| Nissan Z | $2,331 |
| Chevrolet Corvette | $2,368 |
| Chevrolet Camaro ZL1 | $2,464 |
| Chevrolet Corvette Z06 | $2,837 |
| Porsche 911 | $3,104 |
| Jaguar F-Type | $3,158 |
| Porsche 911 GT3 | $3,239 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Texas
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,512 for a six-month full coverage policy. The Volvo XC40 and Lexus RX also have affordable insurance rates at $1,601 and $1,680, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,512 |
| Volvo XC40 | $1,601 |
| Lexus RX | $1,680 |
| Acura MDX | $1,698 |
| Mercedes-Benz GLB-Class | $1,702 |
| Audi Q3 | $1,720 |
| Mercedes-Benz GLC-Class | $1,731 |
| BMW X1 | $1,732 |
| Cadillac XT4 | $1,740 |
| Lincoln Corsair | $1,775 |
| Lexus NX | $1,794 |
| Mercedes-Benz GLA-Class | $1,796 |
| BMW X3 | $1,804 |
| Acura Integra | $1,806 |
| Land Rover Discovery Sport | $1,815 |
| Cadillac XT5 | $1,816 |
| Volvo XC60 | $1,834 |
| Alfa-Romeo Tonale | $1,837 |
| Cadillac XT6 | $1,873 |
| BMW X2 | $1,873 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Texas
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $3,859 annually, which breaks down to $322 monthly.
The table below highlights the most affordable EVs to insure in Texas, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Kia Niro EV | $1,426 |
| Mini Cooper Electric | $1,482 |
| Hyundai Ioniq 5 | $1,512 |
| Hyundai Kona Electric | $1,539 |
| Chevrolet Silverado EV | $1,579 |
| Toyota bZ4X | $1,585 |
| Kia EV6 | $1,614 |
| Audi Q4 e-tron | $1,620 |
| Volkswagen ID.4 | $1,654 |
| Volvo XC40 Recharge | $1,657 |
| Nissan Leaf | $1,674 |
| Nissan Ariya | $1,688 |
| Mercedes-Benz EQB | $1,701 |
| Ford F-150 Lightning | $1,705 |
| Subaru Solterra | $1,715 |
| Ford Mustang Mach-E | $1,792 |
| Jaguar I-Pace | $1,800 |
| Hyundai Ioniq 6 | $1,847 |
| Cadillac LYRIQ | $1,871 |
| Chevrolet Blazer EV | $1,887 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Texas
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Chevrolet TrailBlazer is $3,893, while insuring a Kia Seltos costs $3,962 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Texas?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Kia Niro EV costs $1,426, whereas the cost of insuring a Mini Cooper Electric is $1,482 for the same coverage.
Which SUVs are the cheapest to insure in Texas?
With an average six-month full coverage premium of $1,331, the Chevrolet TrailBlazer is one of the least expensive SUVs to insure in Texas. Honda HR-V and Volkswagen Taos also offer affordable premiums to Texas drivers.
What are the cheapest cars to insure for teen drivers in Texas?
The Chevrolet TrailBlazer, Kia Seltos, Volkswagen Tiguan and Honda CR-V are among the most affordable cars to insure for 18-year-old drivers in Texas. On the other hand, vehicles like the Maserati Quattroporte, Audi S8 and BMW M8 Gran Coupe come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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