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If you’re a driver in the Texas, you probably know the importance of having car insurance that meets the state’s minimum requirement. However, finding the right coverage at an affordable price can be a daunting task. That’s where our Texas car insurance calculator comes in handy.

Our auto insurance calculator lets you estimate your average annual and monthly car insurance cost in Texas, based on your vehicle make and model, helping you make informed decisions. commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2022.

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 2019 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.

How much is vehicle model important in calculating car insurance in Texas

In Texas, the make and model of a vehicle can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For instance, the car insurance rate for a 2022 Acura ILX 2.4L is $1,888 a year for a full coverage policy, whereas average insurance premiums in Texas for a Toyota 4Runner Limited is $1,926 annually— that’s $38 more compared to Acura ILX 2.4L. 

How insurers calculate car insurance in Texas using car model year

In Texas and many other places, a car’s model year can influence how much you pay for car insurance. For example, someone with a 2021 Chevrolet Blazer 3LT pays around $3,143 a year for insurance, whereas the car insurance rate for a 2022 Chevrolet Balzer 2LT is $1,806 per year. 

Does the cost of car insurance in Texas decrease as a vehicle gets older?

In general, car insurance costs decrease for older car models in Texas. As a vehicle ages, it typically loses value due to depreciation. Since car insurance covers the cost of repair or replacement of a vehicle, the insurance company’s liability decreases when insuring an older vehicle. This results in lower Texas car insurance premiums.

Individuals driving a 2016 Honda Accord LX in Texas pay $120 monthly for a full coverage car insurance policy; conversely, car insurance for the 2022 Honda Accord LX costs every month in Texas is $152 which is $32 more than the 2016 model. 

Older vehicles may be less attractive to thieves than newer models with advanced security features. The lower risk of theft can also lead to lower insurance premiums.

Car insurance cost estimate in Texas

The average premium for car insurance in Texas is $1,875 per year or $156 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in Texas for different coverage levels.

Coverage limitsAverage annual cost
50/100/50 Liability Only$659
100/300/100 Liability with $500 Comp/Coll Deductible$1,875
Non-Owner State Minimum Liability Only$408
State Minimum Liability Only$520

The bottom line: Texas car insurance calculator

The Texas car insurance calculator determines your rates based on factors such as location and vehicle make and model year. By entering your information, you can get estimated quotes from the calculator. Remember that rates may vary, and it’s wise to get quotes from multiple insurers to find the best deal tailored to your needs.