- 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%.
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 Incline Insurance offers the most affordable car insurance at $1,638 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.
How much is car insurance in Texas?
According to CarInsurance.com data, drivers in Texas pay about $259 per month 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 $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
Texas laws mandate that all drivers carry insurance with minimum liability limits of $30,000 for bodily injury liability per person, $60,000 for bodily injury liability per accident and $25,000 for property damage liability.
In Texas, you can get state minimum car insurance for $1,006 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 $1,112 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 $3,106 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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
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.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Texas pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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)
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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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Texas, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $3,049 annually.
Texas drivers aged 16-19 pay $6,420 more for insurance premiums than 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
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 65% as insurers perceive you as a high-risk driver.
If you get caught speeding in Texas, your car insurance rates will increase by 52% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Texas following 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, comparing quotes can still help you save money.
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
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.
Begin your search for the top car insurance policy in Texas by getting quotes from multiple insurance providers and comparing them.
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 |
|---|---|---|---|
| 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 Texas’s most expensive city for car insurance at an average cost of $3,426 annually. Corpus Christi is the state’s least expensive city, with an average car insurance rate of $2,929 annually.
Car insurance costs differ from city to city in Texas, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall 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.
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
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.
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 March 2026.
- USAA. “How credit affects insurance premiums.” Accessed March 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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