How Much Is Car Insurance in Texas? (June 2024)

The average annual cost of full coverage car insurance is about $1,524 in Texas. For minimum coverage, the average is around $680 per year.

The price you pay for car insurance depends on several factors. These include age, coverage level, where you live, your driving record and your credit history. When looking for a policy, aim for affordable options that still offer the protection you need.

Texans pay an average of $1,524 per year for full coverage car insurance, which breaks down to about $127 per month. Knowing the average cost of car insurance helps you determine if the quote you receive from an insurer is low or high. Comparing car insurance quotes from several insurers is still the best way to find the most affordable option for you.

Below is a breakdown of the average cost of auto insurance in Texas, whether you're looking for minimum coverage or more comprehensive full coverage. The deductible amount applies separately to both comprehensive and collision coverage.

Average car insurance costs in Texas are more expensive than the national average cost of $1,244 per year for full coverage and $573 for minimum coverage ($104 per month and $48 per month, respectively).

Texas's car insurance costs may be higher due to factors like the state's frequency of natural disasters, high numbers of uninsured drivers and dense urban areas, which increase the risk of accidents. Texas's culture of driving long distances could also contribute to its higher premiums.

Car insurance premiums can vary significantly, even within the same state. In Texas, Texas Farm Bureau has the most affordable average annual premium at $760, while Foremost has the priciest at $2,216. This stark difference highlights the importance of comparing provider rates when looking for the cheapest car insurance in Texas for your specific driver profile.

The level of coverage you select will also affect the cost of your car insurance. Texas drivers can expect to pay around $57 monthly for minimum coverage, compared to approximately $127 for full coverage.

Full coverage — comprising liability, comprehensive and collision insurance — extends protection beyond what is offered by minimum coverage, which only includes the state-required liability insurance. Full coverage insurance offers a broader array of financial protection against various road mishaps and incidents, justifying its higher cost. Selecting higher deductibles for collision and comprehensive coverages — such as $1,500 deductibles each — can lower your premium.

In Texas, the minimum car insurance requirements include bodily injury liability of $30,000 per person and $60,000 per accident, along with $25,000 for property damage liability.

Your location down to the ZIP code level can significantly impact your car insurance premiums. For example, the average annual cost of full coverage insurance in Wichita Falls is only $965 ($80 per month). The cost for a similar policy jumps to $1,436 in Houston ($120 monthly).

The cost of your car insurance can vary based on factors such as local accident frequency and severity, vehicle crime rates and the likelihood of natural disasters. The number of uninsured drivers and the general cost of repairs and medical care in your area also play a role.

Age significantly influences car insurance costs in Texas. Drivers in their teens and early 20s can expect the highest insurance premiums due to an increased risk of accidents. Insurance rates generally lower with age, with individuals aged 60 and over enjoying the cheapest premiums before rates begin to slightly rise around age 70 due to an increased accident risk.

Age and gender significantly influence car insurance rates for teens in Texas, with 16-year-old male drivers facing some of the steepest costs. On average, adding a 16-year-old male to a family policy in Texas costs $3,687 per year, while individual policies soar to $7,113. Teens under 18 cannot legally purchase car insurance without a guardian's consent.

The average annual cost of full coverage car insurance for a 2012 model is $1,233, notably less than the $1,589 for a 2022 model with identical coverage. Newer car models often have steeper insurance premiums due to their increased value and higher repair costs. New cars may also be more attractive targets for theft, raising insurance rates to account for the heightened risk.

Drivers in Texas with more recent car models should consider opting for both comprehensive and collision coverage to safeguard against various incidents, including theft, natural disasters and accidents.

The average cost of car insurance in Texas can vary widely based on your driving record. For full coverage:

• With a ticket: $1,825 per year; $152 per month
• With an at-fault accident: $2,487 per year; $207 per month
• With a DWI: $2,255 per year; $188 per month

How much more you pay for car insurance in Texas depends on your driving violation. A DWI violation typically will raise your insurance rates more than other offenses, but some states and insurers occasionally price other infractions even higher. A violation affects your premium as long as it stays on your record. which varies depending on the state and type of violation. In Texas, a DWI can remain on your driving record for up to 10 years.

You can sort through the table below by coverage and age group to see the average insurance costs in Texas for different driving records.

The average cost of car insurance in Texas varies by credit history, with premiums ranging from $831 for excellent credit to $2,096 for poor credit. Credit history, which is reflected in your credit score is a critical factor in determining your car insurance rates. Insurers view it as an indicator of your reliability and the risk they take by covering you.

A good credit score is typically between 670 and 739. The better your credit score, the more affordable your car insurance will likely be. To find the average cost of car insurance in Texas for each credit score, navigate the table by coverage and age group.

Many factors determine the cost you'll pay for car insurance in Texas. Here are the most common:

• Driving Record: Maintaining a spotless motor vehicle record can significantly lower insurance costs, while traffic violations or accidents tend to increase premiums.
• Age and Gender: Younger drivers and male drivers typically face higher rates due to a statistically higher risk of at-fault accidents.
• Credit History: A better credit history indicates financial responsibility and may lead to cheaper rates.
• Vehicle Type: Your vehicle's make, model and age can affect insurance rates. High-value or high-performance vehicles often incur higher premiums.
• Location: Living in areas with high vehicle theft rates or heavy traffic congestion can increase insurance costs due to higher risk exposure.
• Coverage Level: The more coverage you purchase — such as higher liability limits or adding collision insurance and comprehensive insurance — the higher your rate will be.
• Driving Habits: Those who drive frequently or travel long distances are typically charged more due to the increased likelihood of being involved in an incident.
• Discount Eligibility: Discounts for safe driving, multi-car policies, bundling and defensive driving courses can reduce insurance rates for Texas drivers.
• Insurance History: A history of continuous insurance coverage can lower rates, while gaps in coverage can lead to increased premiums.

Compare car insurance quotes to find a policy that matches your driving needs and fits within your budget. You could miss potential savings by not exploring your options.

To find affordable car insurance in Texas, compare rates from multiple insurers, opt for a higher deductible, maintain a clean driving record and seek out discounts such as multi-policy or safe driver reductions.

Get answers about what impacts the average cost of car insurance in Texas and how to find affordable rates.