Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Texas Average car insurance cost in Texas The average full coverage car insurance cost in Texas is $2,631 annually, or $219 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Texas, you can expect to pay an average of around $219 per month for full coverage car insurance, or $2,631 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $52 monthly or $620 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,631 Average per month cost $219 Average cost for state minimum coverage $900 / Year Cheapest car insurance company Texas Farm Bureau$1,339 / Year Average cost for young drivers $3,812 / Year Average cost for Senior drivers $2,504 / Year 012345 1 of 6 Average car insurance cost in Texas If you live in Texas can expect to pay an average of $219 per month for full coverage car insurance – that’s $2,631 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $52 monthly or $620 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in TexasTexas Farm Bureau has the cheapest rates, at an average annual cost of $1,339 or $112 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Redpoint Insurance also stands out for its affordable premiums, with an average cost of $158 per month or $1,890 annually.While these insurance companies have some of the lowest average rates in Texas, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Texas Graph Table Company nameAverage per month costAverage annual costTexas Farm Bureau$112$1,339Redpoint Insurance$158$1,890State Farm$189$2,264Auto Club Enterprises (AAA)$193$2,318GEICO$229$2,746Progressive$243$2,916Allstate$355$4,258Farmers$355$4,260USAA*$141$1,692*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Texas car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Texas Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Texas Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$891/year Liability coverage$1,576/year Full Coverage$3,102/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in TexasYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $52 a month, or about $620 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Texas pay around $219 per month, or roughly $2,631 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$620Liability only$900Full coverage$2,631Non-owner state minimum liability$418Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Texas by citySee rates in your cityAustinDallasFort WorthHoustonSan Antonio Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Texas by cityWhere you live in Texas can have a big impact on your car insurance rates.If you’re located in cities like Houston, Dallas, or Lubbock, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like El Paso and Austin tend to pay much lower insurance premiums, between $2,560 and $2,619 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costEl Paso$2,560Austin$2,619Corpus Christi$2,654Plano$2,685Fort Worth$2,700Arlington$2,755San Antonio$2,817Lubbock$2,820Dallas$3,184Houston$3,191Powered by:Average car insurance cost in Texas by ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Texas for full coverage, depending on your age and gender.Average car insurance cost in Texas for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Texas, 20-year-old male drivers pay an average of $5,020 per year for car insurance, while their female counterparts pay $4,552 for the same coverage.However, by age 25, average car insurance costs drop to about $3,114 per year for male drivers and $2,970 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,020$4,55221$4,095$3,77622$3,754$3,51623$3,519$3,33324$3,357$3,193Powered by:Average car insurance cost in Texas for adult driversAn adult driver aged 25-60 in Texas pays $2,647 per year for full coverage, or $221 each month. Female drivers of the same age pay $2,603 annually or $217 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,114$2,97030$2,817$2,75135$2,707$2,68040$2,633$2,62945$2,579$2,58350$2,489$2,48255$2,435$2,39060$2,402$2,339Powered by:Average car insurance cost in Texas for senior driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,346 per year, and women pay $2,342.By age 70, those averages increase to $2,527 for men and $2,461 for women. At 75, premiums rise again, reaching $2,741 for male drivers and $2,596 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,346$2,34270$2,527$2,46175$2,741$2,596Powered by:Minimum car insurance requirements in TexasWhether you’re buying your first insurance policy or just moved to Texas, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Texas must carry at least the following minimum liability coverage:Bodily injury per person: $30,000Bodily injury per accident: $60,000Property damage liability: $25,000Cheapest cars to insure in TexasInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Hyundai Venue has the lowest premium, at an average of $2,609 a year, closely followed by Chevrolet TrailBlazer, with an average annual car insurance cost of $2,662.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumHyundai Venue$2,609Chevrolet TrailBlazer$2,662Honda HR-V$2,703Volkswagen Taos$2,704Volkswagen Tiguan$2,706Kia Seltos$2,728Mazda CX-5$2,772Honda CR-V$2,782Mazda CX-30$2,785Chevrolet Express$2,792Powered by:Most expensive cars to insure in TexasMaserati Quattroporte is one of the most expensive vehicles to insure in Texas, with an average annual cost of $9,496.Below is a list of the costliest vehicles to insure in Texas and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$9,496Audi S8$8,555BMW M8 Gran Coupe$8,260Maserati Ghibli$8,179BMW M8$8,009Mercedes-AMG G63$7,972Audi RS7$7,970Audi RS6$7,901Nissan GT-R$7,579Mercedes-AMG EQS$7,564Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in TexasCheapest car insurance companies in TexasAverage cost of car insurance by coverage levels in TexasAverage car insurance cost in Texas by cityAverage car insurance cost in Texas by ageMinimum car insurance requirements in TexasCheapest cars to insure in TexasMost expensive cars to insure in TexasMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330