Home Car insurance Car insurance calculator Texas car insurance calculator Texas car insurance calculator Use Insure.com's calculator to estimate the cost of car insurance in Texas. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 15, 2026 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 drive in Texas, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Texas car insurance calculator.It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Texas, giving you the insight you need to confidently choose coverage. How to use our car insurance calculator to estimate your rates in TexasOur calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.Step 1: Choose the model year of your car.Step 2: Choose the make and model of your car.Step 3: Choose your state.Step 4: Click on the “Get My Rates” button to get a car insurance estimate.Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices. Texas car insurance calculator Tell us about your car to get an estimate. 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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 Minimum$891/year Liability coverage$1,576/year Full Coverage$3,102/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:How much does your vehicle model affect car insurance rates in Texas?Car insurance rates in Texas vary widely based on your vehicle’s make and model. Insurance companies consider multiple factors, including the make and model of your car, to determine premiums.A full coverage car insurance policy in Texas for a Honda Accord LX costs $3,357 annually, whereas a Honda CR-V costs $2,782 to insure in Texas – a difference of $575.How your car’s model year affects insurance rates in TexasIn Texas, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $4,198 year to insure, whereas the 2024 model costs $3,338 annually. Know the minimum insurance you need in TexasEvery state has specific car insurance requirements. In Texas, you must carry at least the minimum liability coverage to drive legally, which generally includes:Bodily injury liability per person and per accidentProperty damage liabilityWhile these limits meet Texas’s legal requirements, many drivers choose higher coverage for greater financial security after an accident. Failing to maintain the required insurance can lead to penalties such as fines, license suspension or vehicle impoundment. 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 citySee rates in your 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 How your car’s trim affects insurance rates in TexasYour car’s trim level plays a big role in determining your insurance premium. Insurers consider the vehicle’s value, repair costs, safety features and theft risk when setting rates. Higher trims with upgraded technology or powerful engines often have higher premiums since they’re more expensive to repair or replace.For example, a 2023 Honda Accord LX costs $4,198 per year to insure in Texas, whereas the EX-L trim costs $3,495, a difference of $703 annually.Trims that include luxury upgrades, like a premium sound system, often cost more to insure because they raise the vehicle’s overall value. Similarly, performance-focused trims with larger engines may increase premiums due to a greater risk of accidents or speeding. You might find interesting Explore related topics Average car insurance cost in TexasCar insurance calculator for teens in TexasCheapest SR-22 insurance in TexasDo you need insurance to register a car in Texas?How long does a speeding ticket stay on your record in TexasHow much is gap insurance in TexasLow-cost car insurance in TexasNon-owner car insurance in Texas: Which company has the cheapest rates?Texas car insurance: Rates, state minimum requirements and best companiesThe best and cheapest car insurance in TexasSee more How much drivers pay for car insurance in TexasIn Texas, the average cost of full-coverage car insurance is $2,631 per year or $219 per month. Your premium may be higher or lower depending on your chosen coverage limits.Below, you’ll find estimated costs for different coverage levels in Texas, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,631$219Liability Only – 50/100/50 BI/PD$900$75State Minimum BI/PD$620$52Non-Owners$418$35Powered by:How much is car insurance in Texas by cityIn Texas, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in North Houston pay about $3,607 per year for a full coverage policy, where as drivers in Marfa pay $2,178 annually.Top 20 cities with cheapest car insurance rates in TexasCityAvg. Annual PremiumAvg. Monthly PremiumMarfa$2,178$182Troy$2,224$185Van Horn$2,224$185Presidio$2,227$186Terlingua$2,234$186Fort Davis$2,246$187Temple$2,262$188Valentine$2,264$189Alpine$2,271$189Big Bend National Park$2,272$189Knickerbocker$2,275$190Hewitt$2,276$190Eddy$2,287$191Kamay$2,292$191Sierra Blanca$2,292$191Burkburnett$2,295$191College Station$2,295$191Iowa Park$2,297$191Pendleton$2,297$191Dell City$2,298$191Powered by:Top 20 cities with most expensive car insurance in rates TexasCityAvg. Annual PremiumAvg. Monthly PremiumNorth Houston$3,607$301Texhoma$3,505$292Hufsmith$3,447$287Alief$3,305$275Jacinto City$3,215$268Houston$3,191$266Dallas$3,184$265Progreso$3,173$264La Villa$3,170$264Balch Springs$3,157$263Los Ebanos$3,157$263Dinero$3,153$263Salineno$3,130$261Falcon Heights$3,117$260Galena Park$3,107$259Hutchins$3,098$258South Houston$3,092$258Lozano$3,074$256Daisetta$3,072$256Lancaster$3,067$256Powered by:Want to know what you’ll pay? Try our Texas car insurance calculatorOur Texas car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 How 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/YearWashington, D.C.$3,394/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 states No matches are found Shivani GiteContributing Writer | . .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. In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month high for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2026? How much does used car insurance cost? Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in TexasHow much does your vehicle model affect car insurance rates in Texas?How your car's model year affects insurance rates in TexasHow your car's trim affects insurance rates in TexasHow much drivers pay for car insurance in TexasHow much is car insurance in Texas by cityWant to know what you'll pay? Try our Texas car insurance calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330