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State Farm provides the cheapest full coverage car insurance in Texas at about $1,202 a year. Your specific rates may vary, but the average full coverage car insurance premium in Texas is $156 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and Texas is no exception. Texas drivers are required to carry at least the minimum amount of liability coverage—$25,000 of personal property coverage per person, $30,000 for bodily injury per person and $60,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in Texas?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Texas, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in Texas

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Texas is 11% more than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

Cheapest full coverage car insurance rate in Texas by company

State Farm offers the cheapest full coverage car insurance in Texas an average of $1,202 per year. It’s 36% less expensive than the average full coverage car insurance cost in Texas. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

CompanyFull coverage insurance cost
State Farm$1,202
Nationwide$1,207
Geico$1,386
Auto Club$1,438
USAA$1,612
Progressive$1,800
Mercury Insurance$1,830
Farmers Insurance$2,518
Allstate$3,236

Full coverage car insurance cost in Texas by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in Texas

Drivers living in the ZIP code 77201 pay the highest premiums at about $2,482 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in Texas.

ZIP codeFull coverage insurance cost
77201$2,482
75242$2,429
77036$2,426
75398$2,415
77037$2,408
77204$2,395
77016$2,391
77093$2,389
77026$2,388
77020$2,385

Least expensive ZIP codes for car insurance in Texas

76306 ZIP code in Texas has the cheapest full coverage auto insurance cost at an average price of $1,616 annually. Know the least expensive ZIP codes for car insurance in Texas below.

ZIP codeFull coverage insurance cost
76306$1,616
77845$1,634
76502$1,636
76311$1,641
76308$1,643
76712$1,644
76579$1,649
76548$1,650
76564$1,650
76309$1,652

Texas full coverage car insurance rate by age

Young drivers in Texas tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 389% more than a 40-year-old mature driver in Texas, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$7,063
Young drivers (age 20-24)$3,462
Adult drivers (age 25-64)$1,926
Senior drivers (age 65+)$1,875

Read our Guide to car insurance for teens for more information

Car insurance rates in Texas by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in Texas

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 22% or $442 in Texas, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,364$1,3640%$0
Nationwide$1,292$1,66129%$369
USAA$1,718$1,94313%$226
Geico$1,524$2,24547%$721
Auto Club Entreprises$1,614$2,25840%$643
Progressive$1,956$2,60233%$646
Mercury$2,080$2,85637%$775
Farmers$2,620$3,14220%$522
Allstate$3,574$3,5740%$0

Cheapest full coverage car insurance after an accident in Texas

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

State Farm offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1642 a year. Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,364$1,64220%$278
Nationwide$1,292$2,08061%$788
Geico$1,524$2,40057%$876
Auto Club Entreprises$1,614$2,64164%$1,027
USAA$1,718$2,72459%$1,006
Progressive$1,956$3,18363%$1,227
Mercury$2,080$3,98191%$1,901
Farmers$2,620$5,312103%$2,692
Allstate$3,574$5,61557%$2,042

Cheapest full coverage car insurance after a DUI conviction in Texas

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,364$2,28167%$916
Progressive$1,956$2,37321%$417
USAA$1,718$2,58651%$868
Nationwide$1,292$2,630103%$1,338
Auto Club Entreprises$1,614$2,66565%$1,051
Geico$1,524$2,67375%$1,149
Mercury$2,080$2,70730%$627
Farmers$2,620$4,87386%$2,253
Allstate$3,574$5,65458%$2,081

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Texas.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.

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Nupur Gambhir
Managing Editor

 
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.