Texas car insurance calculator

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Car insurance pricing in Texas depends on more than your ZIP code. Your vehicle, coverage level and driving history all play a role – and the difference between the cheapest and most expensive policies can be significant. Enter a few details below to get a quick estimate of your potential costs.

How to use our car insurance calculator to estimate your rates in Texas

It only takes about a minute to get an estimate:

• Select your car’s model year
• Choose the make and model
• Confirm Texas as your state
• Click ‘Get My Rates’ to view your estimate
• Add more vehicles or click ‘Get quotes’ to compare real-time pricing

Does your vehicle model affect car insurance rates in Texas?

A vehicle’s make and model can significantly impact car insurance rates. ‘Make’ refers to the brand and ‘model’ refers to the specific model you drive. For example, Honda (make) Accord (model).

Insurers price based on how much a vehicle costs to repair or replace, how often that model is involved in claims, and how frequently it’s stolen. Two vehicles at the same price point can carry meaningfully different premiums.

For example, full coverage for a Honda Accord LX costs $3,262 per year in Texas, while the average premium for a Honda CR-V is $2,690 – a difference of $572.

Does your car’s model year affect insurance rates in Texas?

Newer cars generally cost more to insure because they are more expensive to repair or replace.

In Texas, insuring a 2024 Honda Accord LX costs $3,021, while the 2025 version costs $3,137.

However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high.

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.

Our agents make it hassle-free to get the right quote.

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How does your car’s trim affect insurance rates in Texas?

Insurance rates often vary based on your car’s trim. Trim refers to the specific version of a model with different features, equipment, or engine options, such as LX, EX, or Sport.

Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Texas, full coverage car insurance for a 2024 Honda Accord LX costs $3,021 a year, while the higher-end Accord EX-L trim costs $3,113 annually – a difference of $92 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

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How much does car insurance cost in Texas?

The average cost of full coverage car insurance in Texas is $3,106 per year, or $259 per month. This gives you a general benchmark, but your actual rate may be higher or lower depending on your vehicle, coverage choices and personal details.

How do car insurance rates vary by city in Texas?

Your location within Texas can impact your premium just as much as your coverage level. Insurers consider traffic density, accident data, weather risks and theft rates when determining prices – which is why two drivers with similar profiles may pay very different amounts depending on their ZIP code.

Full coverage costs $3,592 per year in North Houston, compared to $2,599 in Wheelock.

Top 20 cities with cheapest car insurance rates in Texas

These cities typically have the lowest premiums due to lighter traffic, fewer claims and lower overall risk.

Top 20 cities with most expensive car insurance rates in Texas

These cities tend to have the highest premiums, driven by heavy traffic, higher accident rates and more frequent claims.

Estimate your Texas car insurance cost with our calculator

Our Texas car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

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.