Average car insurance cost in Texas

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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.

There are a range of factors that affect car insurance rates, such as age, gender, driving history, credit score, and where you live.

Read on to learn more about what factors affect auto insurance rates, the average rate of full coverage in the state, which companies offer 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.

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 the cheapest car insurance premiums in Texas is State Farm. The average annual cost is $1,202 while the average monthly cost is $100. The second-best option available is [second_cheapest_company/], offering insurance at an average per month cost of $101.

The table below lists the car insurance companies that offer car insurance in Texas, along with their average cost per month and average annual cost.

Read our guide to the best car insurance companies.

Average cost of car insurance by coverage levels in Texas

The amount of coverage you purchase impacts how much car insurance costs in Texas. Your premium is determined by your liability limits and 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 annual cost in Texas is $659.

When you add more coverage to your policy, your insurance premium increases because 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.

Non-owner state minimum liability coverage is best suited for someone who does not own the car but frequently rents a car. It is like liability-only coverage and covers property damage and bodily injury caused to another driver. In Texas, the average annual cost for non-owner state minimum liability only is $408.

Those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage to be able to drive in the state legally. The state minimum liability only coverage costs $520 per year in Texas.

Average car insurance cost in Texas by city

Your car insurance premium is determined by various 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:

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.

Average car insurance cost in Texas by age

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 it is $1,810. Here, the rate for young drivers is $1,427 more than the rate for senior drivers.

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 high-risk drivers because of speeding and less driving experience on road. However, premiums start to rise again at 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:

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.

Read more about senior car insurance

Minimum car insurance requirements in Texas

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Texas Department of Insurance, the following are the required coverages and minimum coverage limits in Texas:

• Bodily injury per person: $30,000
• Bodily injury per accident: $60,000
• Personal property coverage per person: $25,000

Cheapest cars to insure in Texas

The Hyundai Venue SE has the lowest average annual insurance premium at $1,595, followed closely by the Honda HR-V EX at $1,610. The difference in the cost of insuring these two models is $15 annually.

Most expensive cars to insure in Texas

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $5,330. However, the difference between the cheapest and most expensive cars to insure is $3,735 annually.

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

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:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• $500 collision/comprehensive deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

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