Below we've summarized key tips to help you confidently shop for car insurance in Texas and save money.
Car Insurance Calculator Texas
Updated: March 21, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Mar 25, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | ||
|---|---|---|---|---|
| 1 | 92 /of 100 | $64 | ||
| 2 |  GEICO | 74 /of 100 | $94 | |
| 3 |  Nationwide | 88 /of 100 | $104 | |
| 4 | 67 /of 100 | $127 | ||
| 5 |  Foremost | 70 /of 100 | $138 | |
| 6 | 71 /of 100 | $155 |
2
GEICO
MoneyGeek Score
74
/of 100
Average Monthly Payment$94/mo
3
Nationwide
MoneyGeek Score
88
/of 100
Average Monthly Payment$104/mo
5
Foremost
MoneyGeek Score
70
/of 100
Average Monthly Payment$138/mo
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Key Takeaways
Your Texas car insurance estimate will be calculated by insurers based mainly on your vehicle, age, location, driving record, credit score, and coverage level chosen.
Our car insurance costs estimates in Texas can range anywhere from $760 to $6,680 per year depending on a variety of factors.
To get the best deal on Texas car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts, and getting multiple provider quotes.
How To Calculate Texas Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
To avoid getting coerced into a higher coverage level than necessary, we recommend deciding on your coverage level before you shop. Consider the area you live, your general driving habits/where you drive, your vehicle, and your financial situation when deciding costs. We've also created a calculator to determine how much coverage you need to assist you.
Research Costs and Discounts For You
Research average car insurance costs in Texas for the coverage level you've decided on and your particular driver profile so you can gauge how much you're actually saving when comparing quotes. We also recommend that you search for auto insurance discounts that you're likely to qualify for so that you can ask agents about more personal savings opportunities.
Research The Cheapest Providers For You
Once you are armed with your coverage level in mind and cost research, you should start getting provider estimates before getting quotes. This will give you an idea of where to start when comparing quotes and who is most likely to have the cheapest car insurance in Texas for you. You can get started by using our car insurance calculator to get personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing multiple providers apples to apples can save you a lot of money in Texas. Through our research, we found that savings can be up to 54% on full coverage and 57% on minimum coverage. It's also a good idea to use multiple avenues like comparison sites, independent brokers, insurer's websites and direct agencies since prices for the same coverage will differ between them.
Take Advantage of Texas-Specific Programs
While it is often not taken advantage of, Texas has a defensive driving course that can save you up to 10% if you qualify. Courses only cost $25 and savings will be available for up to 3 years once you complete the program. Also, if you are a low-income driver and/or have a high-risk driving record who has struggled to get coverage, we recommend using Texas's coverage matching program TAIPA.
Consider Non-Traditional Coverage Options
Coverage options like pay-per-mile car insurance can be a great option for those who drive less than average. While not a specific coverage program, many companies also offer telematics insurance which tracks driving habits and rewards you for good driving with a discount (up to 40% depending on the provider). Many automakers also offer insurance programs directly which can potentially save you money compared to traditional options and have more included benefits.
What Affects Your Texas Car Insurance Estimates?
Overall, your car insurance premium in Texas is calculated based on four core areas including vehicle details, your driver profile, location, and the provider you choose. You can click on the links below to learn more about how each affects rates particular to Texas drivers:
How Much Does Provider Chosen Affect Texas Car Insurance Estimates?
Overall, the provider you chose is the most influential factor affecting the car insurance estimates and quotes you receive in Texas. Rates in the state can increase by as much as 104% or lower by as much 55% compared to the state average depending on your choice.
| Lowest | Texas Farm Bureau | $63 | $760 |
| Highest | Dairyland | $290 | $3,474 |
How Much Does Age Affect Texas Car Insurance Estimates?
Compared to other factors, age is the second most influential factor in determining your car insurance rates in the lone star state. Rates can increase as much as 116% and decrease by up to 47% depending on what age you are. Car insurance premiums are highest when you are 16, decrease until you are 65, and then slightly increase after that point.
| Lowest | 65 | $136 | $1,630 |
| Highest | 16 | $557 | $6,680 |
How Much Does Credit Affect Texas Car Insurance Estimates?
Credit score level influences car insurance rates in Texas the 3rd most when compared to other factors. The better your credit score is, the lower your car insurance rates will be. Rates can vary from $98 monthly to $247 per month on average for full coverage policies.
| Lowest | Excellent | $98 | $1,177 |
| Highest | Poor | $247 | $2,968 |
How Much Does Coverage Affect Texas Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Texas, causing rates to vary anywhere from $804 per year for minimum coverage to $2,042 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $67 | $805 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $173 | $2,074 |
How Much Does Driving Record Affect Texas Car Insurance Estimates?
Your driving record is the 5th most influential factor changing car insurance rates in Texas with rates changing up to 24%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $142 | $1,702 |
| Highest | Accident | $230 | $2,757 |
How Much Does Location Affect Texas Car Insurance Estimates?
In Texas, we found that location is the 6th most influential factor affecting auto insurance rates for the cities we studied. In most cases, the larger your city's population density is, and the higher the risk of bad weather is, the more expensive car insurance is going to be. The lowest car insurance rates in the state can be found in Wichita Falls and the highest in Houston.
| Lowest | Wichita Falls | $151 | $1,815 |
| Highest | Houston | $229 | $2,747 |
Texas Car Insurance Calculator: Bottom Line
We recommend you research costs, coverage options, and companies before using our car insurance calculator to get estimates. Once you do, get plenty of quotes and compare our estimates and what you've seen for your profile apples to apples to get the best deal for your unique situation.
Texas Car Insurance Estimate: FAQ
Below you will find answers to frequently asked questions about Texads car insurance costs and estimates:
What is used to determine Texas car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive, and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is texas car insurance on average?
Depending on your unique profile and coverage chosen car insurance can range anywhere from $63 per month to up to $557 monthly on average.
How do I get the best car insurance in Texas?
Researching the coverage level that is right for you, researching costs and providers, and using an estimate tool like a car insurance calculator to get the best and cheapest car insurance for you.
Our Texas Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.