In Texas, the average yearly cost for full car insurance coverage is $1,665; for state minimum coverage, it's $782. These estimates are $369 and $187 more, respectively, than what most Americans pay. It's good to know Texans pay more for peace of mind on the road.
Average Cost of Car Insurance in Texas
Updated: December 20, 2024
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Key Takeaways
Drivers in the Lone Star State pay 28% more for full coverage car insurance than the national average.
Texans pay 31% more for minimum coverage than the national average cost.
The average cost of car insurance in Texas is $1,665 for full coverage and $782 for minimum coverage, making it one of the more expensive states for auto insurance.
How Much Is Car Insurance in Texas?
| Full Coverage | $1,665 | $1,296 | 28% |
| State Minimum Liability Only | $782 | $595 | 31% |
Read More: Average Cost of Car Insurance
Texas Car Insurance Rates by Coverage Level
Your choice of coverage level changes your car insurance rate in the Lone Star State. High liability limits and full coverage increase your rate, but a bigger deductible might lower your cost. Here are the average rates for minimum and full coverage in Texas, with different deductibles and limits.
| 300/500/300 | Full Coverage | $2,031 | $500 |
| 100/300/100 | Full Coverage | $1,865 | $0 |
| 300/500/300 | Full Coverage | $1,832 | $1,000 |
| 300/500/300 | Full Coverage | $1,754 | $1,500 |
| State Minimum | Full Coverage | $1,676 | $500 |
| 100/300/100 | Full Coverage | $1,665 | $1,000 |
| 100/300/100 | Full Coverage | $1,588 | $1,500 |
| State Minimum | Full Coverage | $1,476 | $1,000 |
| State Minimum | Full Coverage | $1,399 | $1,500 |
| 300/500/300 | Liability Only | $1,138 | $0 |
| 100/300/100 | Liability Only | $971 | $0 |
| State Minimum | Liability Only | $782 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Texas Car Insurance Cost by City
Car insurance costs in Texas vary due to crime rates, traffic congestion, weather patterns, the price of health care and car repairs. For instance, Dallas residents might pay around $1,314 for full coverage, while those in Houston could face $1,436 and Wichita Falls locals just $965. Check the table below for a detailed comparison of car insurance rates in your city versus the Lone Star State average.
| Abilene | $1,016 | -47% | $436 | -60% |
| Allen | $1,158 | -39% | $571 | -48% |
| Amarillo | $1,209 | -37% | $512 | -53% |
| Arlington | $1,174 | -38% | $576 | -47% |
| Austin | $1,159 | -39% | $571 | -48% |
| Beaumont | $1,242 | -35% | $623 | -43% |
| Brownsville | $1,276 | -33% | $622 | -43% |
| Carrollton | $1,257 | -34% | $617 | -44% |
| College Station | $1,032 | -46% | $500 | -54% |
| Corpus Christi | $1,140 | -40% | $578 | -47% |
| Dallas | $1,314 | -31% | $640 | -42% |
| Denton | $1,132 | -41% | $558 | -49% |
| El Paso | $1,093 | -43% | $495 | -55% |
| Fort Worth | $1,168 | -39% | $563 | -49% |
| Frisco | $1,159 | -39% | $574 | -48% |
| Garland | $1,322 | -31% | $657 | -40% |
| Grand Prairie | $1,287 | -33% | $630 | -43% |
| Houston | $1,436 | -25% | $699 | -36% |
| Irving | $1,251 | -34% | $606 | -45% |
| Killeen | $1,052 | -45% | $503 | -54% |
| Laredo | $1,249 | -35% | $557 | -49% |
| League City | $1,221 | -36% | $607 | -45% |
| Lewisville | $1,151 | -40% | $572 | -48% |
| Lubbock | $1,095 | -43% | $499 | -54% |
| McAllen | $1,364 | -29% | $668 | -39% |
| McKinney | $1,171 | -39% | $573 | -48% |
| Mesquite | $1,302 | -32% | $639 | -42% |
| Midland | $1,037 | -46% | $461 | -58% |
| Odessa | $1,128 | -41% | $490 | -55% |
| Pasadena | $1,274 | -33% | $630 | -43% |
| Pearland | $1,298 | -32% | $645 | -41% |
| Plano | $1,207 | -37% | $596 | -46% |
| Richardson | $1,256 | -34% | $620 | -43% |
| Round Rock | $1,098 | -42% | $542 | -51% |
| San Angelo | $1,001 | -48% | $410 | -63% |
| San Antonio | $1,220 | -36% | $601 | -45% |
| Sugar Land | $1,242 | -35% | $623 | -43% |
| The Woodlands | $1,267 | -34% | $639 | -42% |
| Tyler | $1,135 | -40% | $554 | -49% |
| Waco | $1,038 | -46% | $491 | -55% |
| Wichita Falls | $965 | -49% | $426 | -61% |
Average Texas Car Insurance Cost by Age
In Texas, your age can change how much you pay for car insurance. Young drivers are seen as riskier, so they often pay more. On average, 25-year-olds pay 14% more for full coverage and 6% more for state minimum coverage than 40-year-olds. They also pay more than 65-year-olds, with rates 14% higher for full coverage and 6% higher for minimum coverage.
| 25 | $2,171 | $1,033 |
| 40 | $1,665 | $782 |
| 65 | $1,594 | $792 |
In most places, your age can change the cost of car insurance. But in California, Massachusetts and Hawaii, your age won't affect the price of your minimum coverage.
Car Insurance Costs in Texas for Young Drivers by Gender
Texas car insurance rates are higher for young drivers due to a greater risk of accidents. Drivers aged 18 to 25 pay an average of $2,061 per year when added to a family policy, which is 28% less than an individual policy at $2,634.
Gender also influences car insurance costs for young Texans. Female drivers in this age group pay an average of $2,489 annually, 11% less than male drivers who average $2,780. Below, you'll find the average car insurance costs for individual and family policies for young drivers in the Lone Star State, broken down by gender.
Car Insurance Costs in Texas for Young Females
In Texas, an 18-year-old female can be added to a family car insurance policy for an average of $2,468. If she chooses an individual policy, the rate jumps to $4,728.
| 18 | $4,728 | $2,468 | -48% |
| 19 | $3,224 | $2,468 | -23% |
| 20 | $2,883 | $2,207 | -23% |
| 21 | $2,126 | $1,628 | -23% |
| 22 | $1,936 | $1,922 | -1% |
| 23 | $1,790 | $1,782 | -0% |
| 24 | $1,697 | $1,692 | -0% |
| 25 | $1,526 | $1,531 | 0% |
Car Insurance Costs in Texas for Young Males
An 18-year-old male in Texas pays about $5,323 for full coverage on his own. By joining a family policy, the cost drops to $2,756, saving nearly 48% annually.
| 18 | $5,323 | $2,756 | -48% |
| 19 | $3,684 | $2,744 | -26% |
| 20 | $3,254 | $2,430 | -25% |
| 21 | $2,401 | $1,807 | -25% |
| 22 | $2,168 | $2,150 | -1% |
| 23 | $1,979 | $1,965 | -1% |
| 24 | $1,838 | $1,827 | -1% |
| 25 | $1,594 | $1,595 | 0% |
Average Texas Car Insurance Cost by Driving Record
In Texas, traffic offenses can hike your car insurance by 5% to 41% above the average. Below, we show how much more you might pay for at-fault accidents, DUIs and tickets than drivers with no violations.
| At-Fault Accident | $2,694 | 41% | $1,314 | 20% |
| DUI | $2,441 | 28% | $1,210 | 10% |
| Ticket | $1,997 | 5% | $930 | -15% |
Read More: High-Risk Car Insurance in Texas
Average Texas Car Insurance Cost by Credit Score
Your credit-based insurance score is key for insurers to decide your car insurance cost in Texas. On average, drivers with excellent credit pay about $1,063 a year for full coverage, while those with poor credit might pay up to $2,668.
| Excellent | $1,063 | -44% | $370 | -66% |
| Good | $1,307 | -31% | $450 | -59% |
| Fair | $1,628 | -15% | $555 | -49% |
| Below Fair | $1,956 | 2% | $671 | -39% |
| Poor | $2,668 | 40% | $925 | -16% |
CREDIT SCORES AND YOUR PREMIUM
A credit score between 670 and 739 signifies financial trustworthiness and may reduce insurance rates for Texas drivers. In states like Hawaii, Massachusetts, Maryland, California and Michigan, insurers are prohibited from using credit-based scores for pricing. Meanwhile, credit scores can only be considered in specific circumstances in North Carolina, Oregon, Washington, Utah and Nevada.
Average Texas Car Insurance Cost by Company
Car insurance premiums can vary from one company to another, even in the same state. Texas Farm Bureau has the most affordable average annual full coverage premium in Texas at $760. On the other end, Dairyland's premium is $3,474, higher than the state's average.
| Texas Farm Bureau | $760 | $339 |
| State Farm | $1,015 | $434 |
| Progressive | $1,196 | $592 |
| AAA Texas | $1,387 | $658 |
| GEICO | $1,454 | $788 |
| Allstate | $1,532 | $772 |
| Mercury | $1,577 | $423 |
| National General | $1,580 | $715 |
| Chubb | $1,821 | $942 |
| Nationwide | $2,065 | $1,061 |
| Foremost | $2,120 | $1,041 |
| Dairyland | $3,474 | $1,621 |
Read More: Cheapest Car Insurance Companies in Texas
Average Texas Car Insurance Cost by Vehicle Age
In Texas, insuring a new car costs more because it's worth more, costs more to fix and is at higher risk of theft. Full coverage averages $1,589 annually for new models, while a 10-year-old car averages $1,233.
| 10-Year-Old Vehicle | $1,233 | $589 |
| New Model Vehicle | $1,589 | $567 |
ACTUAL CASH VALUE
The actual cash value (ACV) represents your car's pre-damage worth as assessed by your insurer. When you file a comprehensive or collision claim, the ACV establishes the highest possible payout for repairs or replacement after deducting any applicable deductible. This calculation ensures the claim reflects the vehicle's fair market value.
Read More: Used Car Insurance
Texas Car Insurance Rates Explained
In Texas, auto insurance rates often differ from the national average. These costs can be higher or lower, influenced by factors like your driving record and the type of coverage you choose. Understanding what affects your premium for full coverage or state minimum can help you find a plan that's both affordable and meets your needs.
Is Car Insurance Expensive in Texas?
Car insurance in Texas is pricier than in some places. Full coverage costs an average of $139 a month; Texans pay about 28% more than the national average.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Texas vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Texas Average Cost
Full Coverage Car Insurance
$139TX Car Insurance Is Expensive:$31 more
This is 29% more expensive.
Why Are Car Insurance Rates Expensive in Texas?
Car insurance in Texas can be pricey due to frequent storms, dense cities and strict laws. These factors lead to more insurance claims, driving up the cost for everyone. Finding an affordable plan is key for Texans looking to save.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Texas
While Texas rates reflect overall trends, your car insurance cost depends on your details. To estimate your bill, consider your driving record, car type and coverage choice.
Driving Record
Safe driving in Texas can lead to low insurance rates. Avoid traffic violations and accidents to keep your record clean and your premiums affordable.
Age and Gender
Younger drivers and males typically face higher rates. Texas drivers can anticipate changes as they age and benefit from improved rates over time.
Credit History
A high credit score can result in low car insurance costs. To improve their credit, Texans should work on paying bills on time and reducing debt.
Vehicle Type
The type of vehicle affects insurance rates. In Texas, opt for a car with a strong safety record and lower theft rates to potentially reduce premiums.
Location Within Texas
Living in areas with low crime and accident rates can lead to cheaper insurance. Texans should compare rates based on their ZIP code.
Coverage Level
Balancing coverage and deductibles can help Texans find affordable rates. To keep costs down, opt for the coverage you need without over-insuring to keep costs down.
Marital Status
Married individuals often receive lower rates. Texans should inform their insurer of their marital status to potentially benefit from reduced premiums.
State Law
Complying with Texas state insurance laws can avoid penalties. Stay informed on minimum coverage requirements to ensure you're not overpaying for insurance.
Read More: Texas Car Insurance Calculator
Minimum Car Insurance in Texas
In Texas, the average yearly cost for state minimum car insurance is $782, about 31% higher than the national average of $595. Despite this, opting for minimum coverage can be more affordable than full coverage due to Texas's minimum liability limits.
Texas Car Insurance Requirements
In Texas, drivers must have minimum coverage auto insurance. This includes $30,000 for bodily injury per person, $60,000 per accident and $25,000 for property damage.
Liability Limits | Description |
|---|---|
$30,000 for bodily injury liability per person | Bodily injury liability per person to cover medical expenses if you cause an accident |
$60,000 for bodily injury liability per accident | Bodily injury liability per accident ensures adequate coverage for multiple injured parties |
$25,000 for property damage liability per accident | Property damage liability per accident to cover repairs or replacement of damaged property |
How to Lower Car Insurance Costs in Texas
To save on car insurance in the Lone Star State, compare rates, hike your deductible and apply for discounts.
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help you find cheaper car insurance, potentially saving hundreds of dollars annually.
- 2
Lower Your Risk Profile
A better credit score or clean driving record without at-fault accidents or moving violations can significantly lower insurance premiums because insurers view you as a lower risk.
- 3
Adjust Your Coverage
Reviewing coverage needs can help ensure you're paying only for what you need. Drivers who can afford it can lower costs with increased deductibles, and low-mileage drivers can decrease costs with usage-based policies.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a state-approved defensive driving course and bundling policies, as these can lead to drastically lower premiums.
- 5
Consider the Car You Drive
Driving a car that's less expensive to insure, such as one with good safety ratings, can lead to lower insurance costs.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Texas: Bottom Line
In Texas, the average annual cost for full coverage car insurance is $1,665, higher than the national average of $1,296. Factors like your driving history, where you live and the car you drive change insurance costs. Compared to other states, Texas is pricier for car insurance.
Texas Car Insurance Rates: FAQ
Discover what affects car insurance costs in the Lone Star State. Find affordable rates by comparing quotes and considering minimum coverage options.
What are the minimum car insurance requirements in Texas?
In Texas, the minimum car insurance requirements include bodily injury liability of $30,000 per person and $60,000 per accident, plus property damage liability of $25,000 per accident.
What is the average cost of full coverage and minimum coverage auto insurance in Texas?
The average annual rate for full coverage auto insurance in Texas is $1,665, while the state minimum coverage is around $782. These rates are higher than the national averages of $1,296 and $595, respectively.
What is the average cost of car insurance for a 25-year-old in Texas?
The average cost of car insurance for a 25-year-old in Texas is $2,171 for full coverage and $1,033 for state minimum coverage.
What are the cheapest car insurance companies in Texas?
The most affordable car insurance in Texas is offered by Texas Farm Bureau, with an annual premium for full coverage at $760 (monthly $63) and for minimum coverage at $339 (monthly $28).
Texas Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in Texas:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Texas:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.