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 premium for car insurance in Texas is $2,043 per year or $170 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified 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. If you want to secure auto insurance coverage in Texas, know the associated costs. On average, premiums for car insurance in Texas cost $2,043 per year or $170 monthly. While the national average is $1,682, highlighting a difference of $148.Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Texas, and breaks down car insurance rates by age group.Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget.Summary of average car insurance cost in TexasAverage annual cost $2,043Average per month cost $170Average cost for state minimum coverage $572 / YearCheapest car insurance company Texas Farm Bureau($1,301 / Year)Average cost for young drivers $3,049 / YearAverage cost for Senior drivers $1,915 / Year Key Takeaways Based on Insure.com’s analysis, car insurance in Texas costs $2,043 per year.Car insurance in Texas costs $170 per month.Texas Farm Bureau has the cheapest car insurance rates in Texas, at an average annual rate of $1,301 a year. Average car insurance cost in Texas per monthIn Texas, the monthly rate for car insurance is $170.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Texas, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in TexasAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Texas is Texas Farm Bureau, with an average annual cost of $1,301 and a monthly average of $108. Following closely is Nationwide, providing coverage at an average monthly rate of $125.The following table lists additional car insurance companies operating in Texas and their respective average monthly and annual costs.Company nameAverage per month costAverage annual costTexas Farm Bureau$108$1,301Nationwide$125$1,502Geico$137$1,644Redpoint Insurance$140$1,681State Farm$163$1,956Auto Club Enterprises (AAA)$165$1,983Allstate$245$2,941Progressive$253$3,032Farmers$344$4,127USAA$151$1,812Read our guide to cheap car insurance companies Texas car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Texas Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,559/Year OR $213/month Texas Get Quote Get Quote 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 - + *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 2023 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. Average cost of car insurance by coverage levels in TexasThe extent of coverage you opt for directly influences the cost of car insurance in Texas. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Texas would be $774.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Texas amounts to $2,043.For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Texas, the average annual cost for non-owner state minimum liability coverage stands at $447.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $572 annually in Texas.Coverage limitsAverage annual costState Minimum BI/PD$572Liability Only – 50/100/50 BI/PD$774Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,043Non-Owners$447Auto 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 AntonioAverage car insurance cost in Texas by cityYour car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.The table below depicts the top popular cities in Texas:CityAverage annual costArlington$2,080Austin$1,930Corpus Christi$2,013Dallas$2,278El Paso$2,112Fort Worth$2,030Houston$2,317Lubbock$2,253Plano$1,994San Antonio$2,181Average car insurance cost in Texas by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Texas is $3,049, whereas for seniors, it’s $1,915. The rate for young drivers surpasses that of senior drivers by $1,134.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in Texas for young driversFor female young drivers in Texas, the average annual car insurance cost is $2,938, and $245 per month. Conversely, male young drivers face an average annual rate of $3,162, and $264 per month.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,910$3,46521$3,396$3,15422$3,059$2,91223$2,802$2,66424$2,650$2,502Average car insurance cost in Texas for senior driversFor senior female drivers in Texas, the annual cost of car insurance is $1,886, or $157 per month. Similarly, male senior drivers face an annual insurance rate of $1,944, or $162 per month.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,811$1,78770$1,922$1,87275$2,100$2,000Read more about senior car insuranceMinimum car insurance requirements in TexasEvery state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Texas Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Texas:Bodily injury per person: $30,000Bodily injury per accident: $60,000Personal property coverage per person: $25,000Cheapest cars to insure in TexasThe Volkswagen Taos has the most affordable average annual insurance premium, standing at $1,883. The Volkswagen Tiguan is followed closely at $1,962 per year. The difference in the cost of insuring these two models is $79 annually.MakeModelAverage annual premiumVolkswagenTaos$1,883VolkswagenTiguan$1,962MazdaCX-30$1,982FordMaverick$1,989MazdaCX-5$1,994HondaHR-V$1,998HyundaiVenue$2,024KiaSeltos$2,031ToyotaCorolla Cross$2,059HondaCR-V$2,073Most expensive cars to insure in TexasThe Maserati Quattroporte, at an average annual premium of $7,066, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $5,183 annually.MakeModelAverage annual premiumMaseratiQuattroporte$7,066MaseratiQuattroporte Trofeo$6,725BMWM8$6,388MaseratiGhibli Trofeo$6,352AudiS8$6,342DodgeCharger SRT$6,335PorscheTaycan Turbo$6,213MaseratiLevante Trofeo$6,166AudiR8 Performance$6,080TeslaModel X Plaid$6,067MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have 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 a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Texas Non-owner car insurance in Texas Average renters insurance cost in Texas Average homeowners insurance cost in Texas Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Texas per monthCheapest 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 age of the driverMinimum car insurance requirements in TexasCheapest cars to insure in TexasMost expensive cars to insure in TexasMethodology ZIP Code Please enter valid ZIP See rates