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 Gite Shivani Gite Shivani 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 30, 2025 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’re in Texas, your monthly cost for full coverage car insurance is $219, which adds up to $2,631 per year. For minimum coverage, expect to pay an average of $52 monthly, or $620 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. 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 Average car insurance cost in TexasIf you’re a resident of Texas, full coverage car insurance typically costs about $219 per month, adding up to $2,631 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $52, or $620 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in TexasTexas Farm Bureau provides the lowest full coverage rates, for an average cost of $1,339 per year or $112 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Redpoint Insurance also offers affordable insurance coverage to Texas drivers at an average cost of $1,890 a year or $158 per month.Although these insurers offer some of the most affordable average rates in Texas, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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: 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 MinimumNA* Liability coverage$1,347/year Full Coverage$3,554/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? 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 - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. 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 six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in TexasYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $52 per month or $620 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Texas, drivers typically pay $219 per month or $2,631 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 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 ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Texas for a full coverage policy based on your age and gender.Average car insurance cost in Texas for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Texas pay an average of $5,020 per year for car insurance, while females of the same age pay $4,552.But by the time you turn 25, insurance premiums drop to $3,114 a year on average 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 driversOn average, an adult male driver in Texas pays $2,647 a year for full coverage or $221 per month. Women pay $2,603 a year or $217 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.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 driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,346 per year, while women pay $2,342. But by age 70, average premiums rise to $2,527 for men and $2,461 annually for women. At 75, rates increase even further – $2,741 for male drivers and $2,596 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record 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 insurance for the first time or moving to a new state, understanding the required liability limits in Texas can help you avoid fines and make smarter choices about your coverage.Drivers in Texas must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $30,000Bodily injury per accident: $60,000Property damage liability: $25,000Cheapest cars to insure in TexasYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Hyundai Venue tops the list for cheapest car to insure in Texas at an average cost of $2,609 a year, followed closely by Chevrolet TrailBlazer at $2,662 per year.The table below outlines the vehicles with the lowest insurance costs.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 stands out as the most expensive car to insure in Texas, with an average annual cost of $9,496.The table below shows the most expensive vehicles to insure in Texas along with their average annual insurance costs.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:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver 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:Young drivers aged 20-24Adult drivers aged 25-26Senior 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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: 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