Texas Car Insurance Calculators: Cost & Coverage

• Every Texas ZIP code covered. Rate data comes monthly from Quadrant Information Services, which pulls directly from insurer filings with state regulators. Those filings are public record, not broker estimates.
• No insurer influence. No company pays to appear in our results or influence our estimates. Read our editorial policy.
• Expert reviewed. Mark Fitzpatrick is a licensed P&C producer who has analyzed millions of rates across hundreds of carriers. Mark Friedlander of the Insurance Information Institute reviewed this page for accuracy, and our full auto insurance methodology details how we collect and use rate data.
• Updated monthly. Rates reflect the most recent insurer filings available, not last year's averages.

State Farm is the cheapest full coverage insurer in Texas at $104/month. Dairyland is the most expensive at $254/month. Those two carriers are pricing the same driver, the same vehicle, and the same coverage at a $150/month difference, which works out to $1,800 a year. If you've only compared GEICO, State Farm, Allstate, and Progressive because those are the ones with TV ads, you may be overpaying by hundreds of dollars a year.  

One insurer that doesn't show up when you search online: Germania Insurance. It's been writing Texas car insurance since 1896, it ranks as the fifth-cheapest full coverage option in the state at $138/month, and it has no presence on any national comparison platform. You won't find it on Google Compare or any of the aggregators. You'd need to request a quote directly or go through a Texas-based independent agent.  

State Farm isn't just cheap in Texas. It's unusually cheap here. MoneyGeek's data shows State Farm prices Texas $47/month below its own average across Louisiana, Oklahoma, and New Mexico. A Texas driver with State Farm pays $47/month less than the same driver would pay with State Farm in any neighboring state, a structural pricing advantage that doesn't exist for any other major carrier in Texas. The cheapest car insurance in Texas shows how every carrier compares by violation history, age, and credit.

Texas insurance costs aren't spread evenly across the state. The most expensive city isn't Houston or Dallas. It's McAllen, in the Rio Grande Valley along the Mexican border, where minimum coverage averages $124/month. McAllen runs expensive because of above-average accident frequency, caused by its traffic density and position along the border corridor. Houston averages at $96/month for minimum coverage, Dallas at $95/month.  

Head to far West Texas and the picture flips. Marfa and Fort Davis average $53/month, the cheapest addresses in the state. That's a $71/month difference between the most and least expensive ZIP codes in Texas, which works out to $852 a year for the exact same policy.  

Where your car is parked overnight is the address your insurer uses to set your rate. If you recently moved, even 10 miles within the same metro area, and haven't updated your insurer, your rate may not reflect where you actually live. Moving from a McAllen address to a San Antonio one, for example, drops your minimum coverage rate by $39/month. Update your address with your insurer any time you move. It's one of the few free savings available to you.

Young Texans pay $358/month for full coverage on average, 2.20 times what an adult pays. Most people have heard that your rate drops at 25. In Texas, waiting until 25 to re-shop is the wrong move.  

The biggest rate drop in Texas happens at the 17th birthday, which cuts the rate by $181/month. The 19th birthday cuts it by another $150/month. Those two birthdays together save $331/month, compared to $22/month at the 25th. If you're on a parent's policy with a 16-year-old, re-shop when they turn 17. Then re-shop again when they turn 19. Don't wait for a birthday that brings less savings in a month than the first two brought combined.  

After 60, rates start climbing again. Texas seniors pay $190/month on average, which rises to $215/month at 70, $267/month at 80, and $295/month at 90. The carrier rankings for seniors largely track the adult rankings, so the play at any senior milestone is the same: get new quotes and confirm you haven't been priced out of the best rate.  

GEICO is $27/month cheaper than State Farm for young drivers in Texas, even though State Farm leads for adults. When a teenager joins the policy, get new quotes from the carriers that are cheapest for young drivers specifically, not from whichever carrier was cheapest for the adult household before.

Texas lets insurers use your credit score to set your rate, and the difference between the best and worst credit is larger than almost any other factor. Drivers with poor credit pay $386/month for full coverage. Drivers with excellent credit pay $135/month. That's a $251/month gap, $3,012 a year, for the same policy.

Here's the part most people miss: improving your credit to "good" is not the finish line. In Texas, good credit costs $163/month. Excellent credit costs $135/month. If you improved your score from poor to good and stopped there, you're still paying $28/month more than you need to. The target is excellent, not good. That extra $28/month is $336 a year in savings you're leaving on the table.

Whatever tier you're at, improving your credit score doesn't automatically reduce your rate. Your insurer sets your rate at the start of your policy and doesn't pull your credit again mid-term. To get the lower rate, you have to re-quote. And when you do, switch carriers at the same time, and you'll capture the credit improvement and the difference between carriers in one move, instead of two separate re-shops.

An at-fault accident in Texas adds $62/month to your rate. A DUI adds $75/month. Both stay on your rate for three years. Insurers in Texas rate you on the last 36 months of your record, confirmed by Texas Department of Insurance rate standards. Violations older than three years stop affecting your price. When month 36 arrives from your conviction date, get new quotes immediately. That's when the violation stops affecting your rate.

Texas also charges drivers for accidents they didn't cause. A not-at-fault accident adds $13/month to the market average rate. If you reported an accident where the other driver was at fault, your insurer may be charging you $156 a year extra because of that report. That's worth knowing before your next renewal.

Most people assume a speeding ticket automatically raises their rate. That's true at most carriers, but not at State Farm. At State Farm in Texas, a speeding ticket leaves your rate exactly where it was: $104/month, same as a clean record. A texting ticket does the same thing. At Farmers, the same speeding ticket pushes the rate to $286/month. That's a $182/month difference on the same violation. If you have a recent ticket, don't renew without getting new quotes first.

After a DUI, Texas requires an SR-22 for two years from the date of conviction, per the Texas Department of Public Safety. Your insurer submits the filing. Don't let coverage lapse during those two years because that gap re-suspends your license. Two separate re-shop windows open after a DUI in Texas. The first is at month 24, when your SR-22 requirement ends. The second is at month 36, when the violation itself clears your record. Re-quote at both, because each one drops your rate further than the last.

The gap between full and minimum coverage in Texas is $91/month, or $1,092 a year. What you give up by dropping to minimum is comprehensive coverage, which is the part that pays when your car gets damaged by something other than a collision. In Texas, the most common thing that fits that description is hail.  

Texas led the nation in major hail events in 2024 with 878 storms, and again in 2025 with 902. NOAA's Storm Prediction Center has ranked Texas first nationally for major hail events in both years. Dropping comprehensive in Texas means paying out of pocket every time hail damages your car.   

Texas's minimum coverage pays up to $30,000 in medical expenses per person if you cause an accident. A serious injury can easily cost more than that. Anything above your policy limit in Texas's at-fault system comes out of your savings, your wages, and your assets. If your car is financed or leased, this decision isn't even yours to make: your lender requires full coverage until the loan is paid off.

The real question isn't which car costs less to insure. It's whether keeping full coverage on the car you already have still makes financial sense, and in Texas, hail changes that math.

If your annual comprehensive and collision premium is close to what your car is actually worth right now, you're effectively pre-paying for a total loss. In Texas, hail makes that math different. A standard break-even calculation assumes a certain probability of filing a comprehensive claim. With 878 major hail events in 2024, Texas drivers file far above the national rate.  

A Toyota Camry LE runs $241/month for full coverage in Texas. Entry-level sedans are closer to $160/month. Luxury and high-end vehicles start around $265/month and go past $500/month. The rate difference between vehicle types is real, but the more important variable is what it would cost to replace your car if a hailstorm totaled it. If the answer is "not much," the math for dropping comprehensive starts to work. If the answer is "a lot," it doesn't.

Bodily injury liability covers the medical bills, lost wages, and legal costs of people you injure in a crash you caused, up to your policy limit. Texas's minimum is $30,000 per person. A single serious injury in a car accident can cost far more than that. Anything above your limit is a personal debt in Texas's at-fault system. The calculator sets limits based on what you own, because that's what's actually at risk.

Property damage liability covers the cost of vehicles and property you damage when you're at fault. Texas's minimum is $25,000. If you total someone's newer car or hit a structure, that minimum may not be enough to cover the damage, and the difference comes out of your pocket.

Uninsured motorist coverage pays your repair and medical costs when the driver who hit you either has no insurance or doesn't have enough to cover the damage. In Texas, where 12% of vehicles carry no insurance at all, this coverage is more than a precaution. Texas law requires your insurer to offer it. You can turn it down in writing, but the $250 deductible for vehicle repair is the only out-of-pocket cost if you use it, and the coverage costs far less than the risk it protects against.

Collision covers damage to your own vehicle from a crash, regardless of who caused it. Comprehensive covers everything else: theft, fire, flooding, and hail. In Texas, where the state led the nation in major hail events in both 2024 and 2025 per NOAA, comprehensive is the coverage that protects against the most likely source of damage to your car. Lenders require both coverages on any vehicle with an active loan.

Gap insurance pays the difference between what your car is worth and what you still owe on the loan if your car is totaled. It protects you from a situation where your car is gone but your loan payments aren't. It matters most in the first few years of financing, when you owe more than the car's market value.

An SR-22 isn't a type of insurance. It's a certificate your insurance company files with the Texas Department of Public Safety to prove you have coverage. Texas requires it after a DUI conviction, a second conviction for driving without insurance, or a crash-related license suspension, under Texas Transportation Code Chapter 601. The Texas Department of Public Safety sets the requirement at two years from the date of conviction. Let coverage lapse during that window and your license gets re-suspended. Your insurer submits the filing; your job is to keep the policy active.

1. Get a Germania quote alongside every national comparison.

   Germania Insurance has been writing Texas-only policies since 1896. It's the fifth-cheapest full coverage option in the state at $138/month, and it doesn't appear on any national comparison tool. The average Texas driver shopping online has never seen a Germania quote. A comparison that doesn't include Germania is nine carriers instead of ten, with a top-five option missing. Get a quote directly from Germania or through a Texas-based independent agent. Compare it against State Farm at $104/month, which MoneyGeek data shows is priced $47/month below its own rates in neighboring states.

2. Re-shop on the right birthday.

   The 17th birthday drops the rate by $181/month in Texas. The 19th drops it by another $150/month. That's $331/month in savings across two birthdays before the driver turns 20, compared to $22/month at 25. When a young driver turns 17, get new quotes. Check GEICO specifically: it's the cheapest carrier for young Texas drivers, not State Farm. Re-shop again at 19.

3. Target excellent credit, not good.

   Good credit costs $28/month more than excellent in Texas. If your credit has improved recently, re-quoting is the only way to capture the lower rate. Your insurer doesn't update your tier mid-policy. Re-quote at excellent, not good. Switch carriers at the same time and you'll capture both savings in one move. The cheapest car insurance in Texas breaks down rates by credit tier.

4. Know both re-shop windows after a violation.

   A Texas SR-22 requirement ends at month 24 from your conviction date. Your violation stops affecting your rate at month 36. These are two different windows, and both are worth a re-shop. Don't wait for month 36 if month 24 has already passed. Re-quoting at month 24 captures the SR-22 savings a full year earlier.