Car insurance costs in Texas vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Texas Farm Bureau offers the cheapest annual rates for full coverage car insurance in Texas at $1,301 annually.
This guide makes buying car insurance in Texas easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how car insurance works in Texas and how much you need.
- Texas Farm Bureau provides the most affordable annual rates for full coverage car insurance in Texas, at $1,301 per year.
- In Texas, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- Minimum liability coverage in Texas costs around $572 annually for limits of 30/60/25, while liability-only coverage costs $774 per year for limits of 50/100/50.
- In Texas, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 27%, a DUI raising rates by 50%, and an at-fault accident by up to 64%.
How much is car insurance in Texas?
In Texas, drivers pay an average of $170 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Texas by coverage level
In Texas, the cost of car insurance can vary depending on how much coverage you purchase. Texas drivers need at least the minimum insurance coverage limits of 30/60/25 to legally drive.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Texas, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Texas car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $48 | $572 |
| Liability Only – 50/100/50 BI/PD | $65 | $774 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $170 | $2,043 |
State minimum car insurance in Texas
Texas laws mandate that all drivers carry insurance with minimum liability limits of $30,000 for bodily injury liability per person, $60,000 for bodily injury liability per accident and $25,000 for property damage liability.
The state minimum car insurance cost in Texas is $572 a year. However, this basic coverage only offers limited protection. Texas drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Texas must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Texas
According to CarInsurance.com data, liability-only car insurance costs $774 in Texas for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Texas
On average, premiums for full coverage car insurance in Texas cost $2,043 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Texas
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, residents in higher-risk neighborhoods in Texas pay more for premiums than those in lower-risk areas.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Texas car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Texas by car model
Texas car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much car insurance costs for your car make and model in Texas.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Texas
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Texas drivers aged 30 to 60 have the lowest average auto insurance rates at $2,000 annually.
Drivers aged 16-19 pay $2,607 more for car insurance than Texas drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,607 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,935 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,000 annually in Texas.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,915 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Texas
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Texas can increase your premiums by up to 50% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Texas, you’ll likely see an increase in your car insurance premium by up to 27% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 27% increase
- DUI conviction: 50% increase
- At-fault accident (bodily injury and property damage): 64% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Texas for high-risk drivers
High-risk drivers in Texas pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $2,270 |
| Geico | $2,565 |
| Nationwide | $2,575 |
| USAA | $2,889 |
| Auto Club Enterprises (AAA) | $3,238 |
| Allstate | $4,638 |
| Progressive | $4,742 |
| Farmers | $7,983 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Texas
In Texas, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Texas by getting quotes from several insurers for comparison.
In the table below, see an overview of various car insurance companies in Texas, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Texas Farm Bureau | $363 | $462 | $1,301 |
| Nationwide | $596 | $748 | $1,502 |
| Geico | $445 | $650 | $1,644 |
| Redpoint County Mutual | $656 | $905 | $1,681 |
| State Farm | $419 | $624 | $1,956 |
| Auto Club Enterprises (AAA) | $564 | $825 | $1,983 |
| Allstate | $560 | $843 | $2,941 |
| Progressive | $665 | $977 | $3,032 |
| Farmers | $1,122 | $1,543 | $4,127 |
| USAA | $446 | $602 | $1,812 |
Car insurance rates by city in Texas
Balch Springs is Texas’s most expensive city for car insurance at an average cost of $2,384 annually. Troy is the state’s least expensive city, with an average car insurance rate of $1,689 annually.
Car insurance costs differ from city to city in Texas, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Below, you’ll see the average annual car insurance cost of major cities in Texas.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Nationwide | $1,406 |
| Texas Farm Bureau | $1,418 |
| Redpoint Insurance | $1,511 |
| Geico | $1,615 |
| USAA | $1,827 |
| State Farm | $1,922 |
| Auto Club Enterprises (AAA) | $1,980 |
| Progressive | $2,836 |
| Allstate | $2,899 |
How much does car insurance cost in Texas per month?
In Texas, a full coverage car insurance policy with 100/300/100 limits typically costs about $170 per month.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $48 |
| Liability Only – 50/100/50 BI/PD | $65 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $170 |
Final thoughts on choosing car insurance in Texas
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Texas.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Texas. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 30/60/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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