Average car insurance cost in Texas

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Full coverage car insurance in Texas runs about $259 a month, or $3,106 a year, for the average driver. If you stick to your state’s minimum required liability coverage instead, that average drops to $70 a month, or $841 a year. Keep in mind these are statewide averages – your personal rate could be higher or lower.

Your actual premium depends on several factors – where you live, your age, your driving history, your credit score, and the type of vehicle you drive. Insurers also factor in state-level risks, such as accident frequency, repair and medical costs, theft rates, and weather patterns. That’s part of why drivers in busy cities pay more than drivers in rural areas.

Not everything is out of your hands. Keeping a clean driving record, building your credit score, bundling your policies, or shopping around for quotes can all help bring your rate down.

How much does car insurance cost in Texas?

On average, Texas drivers pay $259 a month ($3,106 a year) for full coverage, compared to $70 a month ($841 a year) for state minimum coverage.

The chart below shows average car insurance rates in Texas across different coverage levels. These are statewide averages, so your own rate may land higher or lower.

What does each coverage type include?

• State minimum coverage: Meets your state’s legal requirements, covering liability only. It’s the cheapest option, but leaves you with minimal protection in a serious accident.
• Liability only: Covers damage and injuries you cause to others, but not your own vehicle or injuries.
• Comprehensive coverage: Pays for damage to your car from non-collision events, like theft, fire, or weather.
• Collision coverage: Pays to repair or replace your car after an accident, regardless of who’s at fault.
• Full coverage: Combines liability with comprehensive and collision coverage, protecting your own vehicle too. It costs more, but offers the most complete protection.
• Non-owners: Built for people who don’t own a car themselves but sometimes drive borrowed vehicles and still want liability protection.

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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/year

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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.

How much car insurance coverage do you need in Texas?

Drivers in Texas must carry at least the state’s minimum liability coverage. This covers damage you cause to others, but not your own car or medical bills – if you’re at fault in a crash, you’d pay those costs yourself unless you have more coverage.

Minimum liability breaks down into two parts:

• Bodily injury liability pays for others’ medical costs if you injure them. The “per person” limit caps what’s paid for one individual; the “per accident” limit caps the total for everyone.
• Property damage liability pays to repair or replace others’ property, like their car or a fence.

Many drivers choose full coverage instead, which adds comprehensive and collision on top. It costs more, but protects your own vehicle too – from accidents, theft, or weather. If you’re financing or leasing, your lender likely requires it.

Who has the cheapest car insurance in Texas?

Drivers in Texas tend to find the best rates with Incline Insurance, which averages $1,638 a year, or $136 a month, for full coverage with 100/300/100 limits and $500 collision and comprehensive deductibles.

State Farm follows closely with affordable premiums of its own, averaging $204 a month, or $2,445 a year.

While both insurers rank among the cheapest in Texas, your actual rate depends on your own profile – it’s worth comparing quotes before you decide.

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How much does car insurance cost by city in Texas?

Where you live in Texas makes a real difference in what you pay. Drivers in Corpus Christi and Plano see rates between $2,929 and $2,982 a year, while Dallas, Houston, and El Paso run considerably higher.

Location shapes your rate because insurers assess risk differently city by city. Places with heavier traffic, more accidents, or higher theft and vandalism cost more to insure, while less densely populated areas with fewer claims typically cost less.

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.

How does age affect car insurance rates in Texas?

Age ranks among the biggest factors insurers use to set your premium. Rates typically peak for teen drivers, fall after age 25, hold steady through most of adulthood, and climb again once drivers reach their early 70s. Insurers view both ends of the age spectrum as higher risk: younger drivers because of inexperience, and older drivers because of slower reaction times and vision changes.

Here’s what drivers in Texas might expect to pay based on age and gender.

Car insurance rates for young drivers in Texas

Young drivers pay above-average premiums, since insurers consider them higher risk until they build more experience on the road.

In Texas, 20-year-old male drivers average $6,087 a year, while 20-year-old female drivers average $5,832. By age 25, though, rates drop to an average of $3,717 a year for men and $3,690 for women.

Car insurance rates for adults in Texas

Adult male drivers in Texas pay an average of $3,132 a year for full coverage, or $261 a month. Female drivers average $3,132 a year, or $261 a month, for the same coverage. Insurers see adults as lower risk than teens, who are just starting out, and seniors, who may have slower reaction times, which is why adult rates run lower.

Rates still vary from driver to driver, so comparing quotes is worth it to land the best price for your vehicle.

Car insurance rates for senior drivers in Texas

As you age into your senior years, your car insurance costs tend to climb. Insurers view older drivers as higher risk due to factors like slower reaction times and changes in vision, both of which can raise the odds of an accident.

At 65, men average $2,745 a year, and women average $2,797. By 70, those averages rise to $2,992 for men and $2,998 for women. At 75, rates climb further still, to $3,324 for men and $3,170 for women.

Even with rates trending upward, you can help keep costs in check by maintaining a clean driving record and taking advantage of senior discounts.

Which cars are the cheapest and most expensive to insure in Texas?

In Texas, Mazda CX-5 costs the least to insure, at $2,645 a year, while Porsche 911 Turbo costs the most, at $8,566 a year. Your choice of vehicle has a major impact on your premium – cars with strong safety ratings, low repair costs, and fewer claims cost less to insure, while cars that are expensive to fix, frequently stolen, or often in accidents cost more.

Cheapest cars to insure in Texas

Mazda CX-5 holds the lowest average premium in Texas, at $2,645 a year, with Volkswagen Taos close behind at $2,662 a year. Below are the cheapest cars to insure and their average annual rates:

Most expensive cars to insure in Texas

Porsche 911 Turbo tops the list as the most expensive vehicle to insure in Texas, averaging $8,566 a year. Below are the most expensive vehicles to insure and their average annual premiums:

Methodology

To determine average premiums, Insure.com commissioned Quadrant Information Services for 2026 car insurance data. Our team of data analysts and editors analyzed quotes from 195 insurance companies across 34,595 ZIP codes.

Rates are based on a sample profile of 40-year-old male and female drivers driving a Honda Accord LX with a clean driving record and a good insurance score. We gathered quotes across three coverage levels:

• Full coverage: limits of $100,000 per person for bodily injury, $300,000 per accident, and $100,000 for property damage per accident.
• State minimum: the lowest coverage your state legally allows.
• Liability only: limits of $50,000 per person for bodily injury, $100,000 per accident, and $100,000 for property damage per accident.

Additionally, we collected average rates for drivers across four age groups:

• Teen drivers (16-19)
• Young drivers (20-24)
• Adult drivers (25-26)
• Senior drivers (65-75)

To compare costs across vehicles, we also analyzed rates for 1,549 make and model combinations, based on a 40-year-old male driver with the same coverage level (100/300/100 limits with a $500 collision/comprehensive deductible), a 12-mile commute, and 10,000 annual mileage.

The national average comes to $2,578. These rates are for comparison purposes, and your own rates may vary.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

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