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. Texas Farm Bureau offers the cheapest rates at $1,301 a year for full coverage.
This comprehensive guide to buying car insurance for Texas drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Texas works and how much coverage you need.
- Texas Farm Bureau provides the most affordable annual rates for full coverage car insurance in Texas, costing $1,301 per year.
- In Texas, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Texas costs $572 annually for limits of 30/60/25, while liability-only coverage costs $774 per year for limits of 50/100/50.
- 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?
According to CarInsurance.com data, drivers in Texas pay about $170 per month for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in Texas by coverage level
In Texas, the cost of car insurance can vary depending on how much coverage you purchase. Texas drivers need at least the minimum insurance coverage limits of 30/60/25 to legally drive.
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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Texas for different coverage levels.
| 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
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.
In Texas, you can get state minimum car insurance for $572 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Texas must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Texas
The average cost of liability-only insurance in Texas is $774 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
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
The average annual premium in Texas is $2,043 for a full coverage policy with 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
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Calculate the cost of car insurance in Texas
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
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, residents in higher-risk neighborhoods in Texas pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Texas Car Insurance Rates by ZIP Code
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 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
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Texas, a DUI conviction often results in higher premiums and you may see an increase of up to 50% as insurers perceive 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
In Texas, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
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.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $2,270 |
| Geico | $2,565 |
| Nationwide | $2,575 |
| USAA | $2,889 |
| Auto Club Enterprises (AAA) | $3,238 |
| Allstate | $4,638 |
| Progressive | $4,742 |
| Farmers | $7,983 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via 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.
In the table below, see an overview of various car insurance companies in Texas, along with their average 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 Texas’s most expensive city for car insurance at an average cost of $2,384 annually. Troy is the state’s least expensive city, with an average car insurance rate of $1,689 annually.
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.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Texas’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Nationwide | $1,406 |
| Texas Farm Bureau | $1,418 |
| Redpoint Insurance | $1,511 |
| Geico | $1,615 |
| USAA | $1,827 |
| State Farm | $1,922 |
| Auto Club Enterprises (AAA) | $1,980 |
| Progressive | $2,836 |
| Allstate | $2,899 |
How much does car insurance cost in Texas per month?
The average cost of a full-coverage car insurance policy in Texas costs $170 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
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
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.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
Ask the Insurance Expert
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