- The average cost of car insurance in Texas is $3,106 a year or $259 per month, based on our data analysis.
- Minimum liability coverage in Texas costs around $1,006 annually for limits of 30/60/25, while liability-only coverage costs $1,112 per year for limits of 50/100/50.
- Incline Insurance provides the most affordable annual rates for full coverage car insurance in Texas, costing $1,638 per year.
- In Texas, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 52%, a DUI raising rates by 65%, and an at-fault accident by up to 90%.
The cost of car insurance in Texas varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Incline Insurance offers the cheapest rates at $1,638 a year for full coverage.
This guide makes buying car insurance in Texas easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Texas works and how much coverage you need.
How much is car insurance in Texas?
In Texas, drivers pay an average of $259 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Texas based on driver profile:
- Teen drivers in Texas pay the most – about $789 a month or $9,469 a year.
- Young drivers in their 20s pay an average of $394 monthly or $4,727 annually, for car insurance.
- Senior drivers pay around $251 monthly or $3,008 a year.
- A speeding ticket can increase your rates to $393 monthly or $4,714 annually.
- An at-fault accident increases car insurance rates to $493 a month or $5,912 a year.
- Poor credit drivers usually see their car insurance costs increase to $564 monthly or $6,774 annually.
Average cost of auto insurance in Texas by coverage level
Car insurance costs in Texas can differ based on the coverage limit. To legally drive, Texas residents must adhere to the minimum liability limits of 30/60/25.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Texas car insurance costs for three different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $84 | $1,006 |
| Liability Only – 50/100/50 BI/PD | $93 | $1,112 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $259 | $3,106 |
State minimum car insurance in Texas
In Texas, minimum car insurance requirements include $30,000 of bodily injury liability per person, $60,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in Texas costs $1,006 a year but doesn’t provide much protection for drivers. Texas drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Texas must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Texas
According to CarInsurance.com data, liability-only car insurance costs $1,112 in Texas for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Texas
On average, premiums for full coverage car insurance in Texas cost $3,106 per year 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
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for 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 ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Texas by car model
In Texas, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle 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.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Texas drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $3,049 annually.
Car insurance for drivers aged 16-19 costs $6,420 more annually than Texas drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $9,469 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $4,557 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $3,049 per year in Texas.
- For senior drivers: Drivers age 65 and older can expect to pay $3,008 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 65% 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 52% 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 52% increase
- DUI conviction: 65% increase
- At-fault accident (bodily injury and property damage): 90% 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
In Texas, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or 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
Drivers in Texas can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Texas by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Texas and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Incline Insurance | $729 | $854 | $1,638 |
| State Farm | $896 | $967 | $2,445 |
| GEICO | $910 | $1,036 | $2,625 |
| Progressive | $1,018 | $1,089 | $3,105 |
| Auto Club Enterprises (AAA) | $961 | $1,053 | $3,398 |
| Allstate | $1,395 | $1,493 | $4,484 |
| Farmers | $1,678 | $2,005 | $6,136 |
| USAA | $676 | $727 | $2,076 |
Car insurance rates by city in Texas
Dallas is the priciest city in Texas for car insurance, costing an average of $3,426 annually. On the other hand, Corpus Christi is the most affordable city, where drivers pay an average of $2,929 per year for car insurance.
Car insurance premiums differ across cities in Texas and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
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 $259 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $84 |
| Liability Only – 50/100/50 BI/PD | $93 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $259 |
Final thoughts on choosing car insurance in Texas
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Texas.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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