Home Car insurance Car insurance rates by state Average car insurance cost in Texas Average car insurance cost in Texas By Insure.com's Editor | Updated on October 17, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. To understand how much car insurance in Texas, it’s important to consider various factors that influence the overall expense.. The average car insurance cost in Texas is $156 per month or $1,875. While the national average is $1,682. There is a difference of $193 more between the national average and the state average. If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live. Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Texas, and car insurance rates by age group. Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements. Summary of average car insurance cost in TexasAverage annual cost$1,875Average per month cost$156Average cost for state minimum coverage$520 / YearCheapest car insurance companyState Farm($1,202/ Year)Average cost for young drivers$3,237 / YearAverage cost for Senior drivers$1,810 / Year Key TakeawaysThe average car insurance cost in Texas is $1,875 per year, based on Insure.com’s analysis.In Texas, the average premium for car insurance is $156 per month.State Farm has the cheapest car insurance rates in Texas, at an average annual rate of $1,202 a year. Average car insurance cost in Texas per month In Texas, the average car insurance is $156 per month. The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Texas, it is a good idea to get quotes from many firms. As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Texas is State Farm. The average annual cost is $1,202 while the average cost per month is $100. The second-best option available is, Nationwide, offering insurance at an average per month cost of $101. The table below lists the other available car insurance companies which offer car insurance in Texas, along with their average cost per month and average annual cost. Company nameAverage per month costAverage annual costState Farm$100$1,202Nationwide$101$1,207Geico$115$1,386Auto Club$120$1,438USAA$134$1,612Progressive$150$1,800Mercury Insurance$153$1,830Farmers Insurance$210$2,518Allstate$270$3,236 Read our guide to best car insurance companies Average cost of car insurance by coverage levels in Texas The amount of coverage you purchase has an impact on how much car insurance costs in Texas. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage. Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Texas is $659. When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Texas is $1,875 per year. For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Texas, the average annual cost for non-owner state minimum liability only is $408. And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $520 per year in Texas. Coverage limitsAverage annual cost50/100/50 Liability Only$659100/300/100 Liability with $500 Comp/Coll Deductible$1,875Non-Owner State Minimum Liability Only$408State Minimum Liability Only$520 Average car insurance cost in Texas by City Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code. The table below depicts the top popular cities in Texas: CityAverage annual costHouston$2,226San Antonio$1,927Dallas$2,162Austin$1,841Fort Worth$1,890El Paso$1,855Arlington$1,899Corpus Christi$1,867Plano$1,891Laredo$2,050 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 AntonioAverage car insurance cost in Texas by age of the driver Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Texas is $3,237 while for seniors is $1,810. Here, the rate for young drivers is $1,427 more than the rate for senior drivers. According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities. Average car insurance cost in Texas for young drivers The average car insurance cost for female young drivers in Texas is $3,011 per year or $251 per month and rate for a male young driver is $3,462 per year or $289 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 drivers18$6,703$5,73219$5,108$4,26020$4,578$3,86221$3,654$3,13822$3,310$2,90023$3,005$2,67924$2,764$2,47525$2,371$2,127 Average car insurance cost in Texas for senior drivers In Texas, the cost of car insurance for senior female driver is $1,779 per year or $148 per month and cost of car insurance for male senior driver is $1,841 per year or $153 per month. Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,780$1,74570$1,904$1,81275$2,154$1,994 Read more about senior car insurance Cheapest cars to insure in Texas MakeModelAverage annual premiumHyundaiVenue SE$1,595HondaHR-V EX$1,610HondaCR-V EX$1,614MiniCooper SE$1,639SubaruForester 2.5I$1,645ChryslerVoyager LX$1,653FordTransit Connect Titanium$1,665KiaSeltos EX$1,668KiaSportage EX$1,668MazdaCX-30 S$1,676 Most expensive cars to insure in Texas MakeModelAverage annual premiumMaseratiQuattroporte$5,330MaseratiLevante Trofeo$4,910MaseratiGhibli Modena$4,822BMWM760i xDrive$4,690BMWM5$4,657AudiRS7 Quattro Prestige$4,623TeslaModel S Plaid$4,616MaseratiGhibli GT$4,611BMWM8 Competition XDrive$4,592AudiRS7 Quattro Performance$4,531 Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible. Helpful car insurance calculators: Texas car insurance calculator Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Liability coverage car insurance calculator Methodology Insure.com gathered data with the help of Quadrant Information Services from major insurance companies across Texas. The rates are based on the profile of a 40-year-old male who drives a Honda Accord LX with a clean record and full coverage policy. The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and collision deductible. The numbers 100/300/100 represent $100,000 coverage for bodily injury per person, $300,000 in bodily injury per accident and $100,000 for property damage. Explore other insurance options in Texas Non-owner car insurance in Texas Cheapest homeowners insurance in Texas Average renters insurance cost in Texas How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow more In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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