- How much is car insurance in Texas?
- Texas car insurance rates by company
- Texas car insurance costs by coverage level
- Texas car insurance by driver profile
- Texas car insurance rates by age group
- How much does car insurance cost in Texas per month?
- Texas car insurance discounts
- Car insurance requirements in Texas
- Car insurance rates in Texas by model year
- Compare auto insurance rates by city in Texas
- Car insurance premium trends in Texas
- Methodology
- Compare Texas car insurance rates with other states
How much is car insurance in Texas?
The average cost of car insurance in Texas is $2,043 annually for full coverage. However, these rates vary considerably based on factors like age, coverage levels, driving record and the make and model of the vehicle.
For example, younger drivers and males pay higher insurance rates, as do drivers with poor driving records.
Texas drivers who only want to carry the minimum car insurance can expect to pay an average of $572. However, collision and comprehensive coverages aren't included, so any damage to your vehicle in an at-fault accident would be paid out of pocket.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claim for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | Average monthly premium |
|---|---|
| $2,043 | $170 |
Texas car insurance rates by company
Every car insurance company uses its own criteria for determining rates. For example, while some emphasize age, others look closely at driving records. Because of this, Texas car insurance rates vary significantly from company to company.
The table below compares average Texas car insurance rates from top-rated companies for different coverage levels. On average, Texas Farm Bureau is the cheapest car insurance company in Texas.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Texas Farm Bureau | $363 | $462 | $1,301 |
| State Farm | $419 | $624 | $1,956 |
| Geico | $445 | $650 | $1,644 |
| Allstate | $560 | $843 | $2,941 |
| Auto Club Enterprises (AAA) | $564 | $825 | $1,983 |
| Nationwide | $596 | $748 | $1,502 |
| Redpoint Insurance | $656 | $905 | $1,681 |
| Progressive | $665 | $977 | $3,032 |
| Farmers | $1,122 | $1,543 | $4,127 |
| USAA | $446 | $602 | $1,812 |
Texas car insurance costs by coverage level
Generally, Texas minimum car insurance is the cheapest option. However, it won’t protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Texas car insurance costs based on coverage level below.
| State minimum car insurance | Liability-only car insurance | Full coverage car insurance |
|---|---|---|
| $572 | $774 | $2,043 |
Texas car insurance by driver profile
Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.
In most states, credit history also affects car insurance rates. Statistically, drivers with a lower credit score are more likely to file a claim instead of paying out of pocket for damages.
This table compares average car insurance rates in Texas based on driver profiles. The highest rates in Texas are for drivers with Bad credit.
| Profile groups | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-fault accident | $2,043 | $3,475 | $1,432 | 70% |
| Bad credit | $2,043 | $4,119 | $2,076 | 102% |
| Careless driving | $2,043 | $2,678 | $635 | 31% |
| Claims | $2,043 | $2,209 | $166 | 8% |
| DUI | $2,043 | $3,246 | $1,203 | 59% |
| Reckless driving | $2,043 | $3,089 | $1,046 | 51% |
| Speeding | $2,043 | $2,576 | $533 | 26% |
| Texting ticket | $2,043 | $2,497 | $454 | 22% |
Texas car insurance rates by age group
Age can significantly impact car insurance rates. Younger, less experienced drivers see the highest Texas car insurance rates. Rates decrease considerably with age and experience behind the wheel.
The table below shows average Texas car insurance rates by age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $4,607 |
| Young Adults (20-24) | $3,049 |
| Adults (25-60) | $2,043 |
| Seniors (65-75) | $1,915 |
How much does car insurance cost in Texas per month?
The average monthly cost of Texas car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.
| Coverage level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $48 |
| Liability Only - 50/100/50 BI/PD | $65 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $170 |
Texas car insurance discounts
Which car insurance discounts are available and how much savings drivers can expect depend on the state and the company. So, savings may vary considerably from company to company in Texas.
Check out the available car insurance discounts in Texas below and see how much you can save on average.
| Discount type | Premium before discount | Premium after discount | $ Saving |
|---|---|---|---|
| Air Bags | $1,895 | $1,861 | $34 |
| Anti-Theft Device | $1,895 | $1,875 | $20 |
| Daily Commute | $1,895 | $1,787 | $108 |
| Days Advanced Purchase | $1,895 | $1,774 | $121 |
| Days Per Week Driven | $1,895 | $1,726 | $169 |
| Education | $1,895 | $1,790 | $105 |
| Electronic Funds Transfer | $1,895 | $1,806 | $89 |
| Electronic Signature | $1,895 | $1,736 | $159 |
| Homeowner | $1,895 | $1,806 | $89 |
| Lower Annual Mileage | $1,895 | $1,784 | $111 |
| Loyalty - Years Renewal With Company | $1,895 | $1,686 | $209 |
| Marital Status | $1,895 | $1,704 | $191 |
| Multi Policy | $1,895 | $1,725 | $170 |
| Paperless/Electornic Documents | $1,895 | $1,854 | $41 |
| Payment Type | $1,895 | $1,711 | $184 |
| Primary Use | $1,895 | $1,735 | $160 |
| Profession | $1,895 | $1,709 | $186 |
| Safety Devices | $1,895 | $1,815 | $80 |
| Telematics | $1,895 | $1,705 | $190 |
| Vehicle Ownership | $1,895 | $1,806 | $89 |
| Years Insured | $1,895 | $1,596 | $299 |
| Years Licensed | $1,895 | $1,530 | $365 |
Car insurance requirements in Texas
Texas requires a minimum amount of car insurance, including:
- 30/60/25 in liability coverage to pay for bodily injuries and property damages you cause in an accident.
Remember, the minimum coverage required by Texas law is just that - the minimum. Experts recommend increasing limits and adding coverage, such as collision and comprehensive, to protect yourself better. By ensuring you have adequate coverage, you can have peace of mind on the road.
| State minimum requirements | State minimum car insurance | Liability-only car insurance | Full coverage car insurance |
|---|---|---|---|
| 30/60/25 | $572 | $774 | $2,043 |
Car insurance rates in Texas by model year
The vehicle you drive also affects Texas car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Texas car insurance rates below.
| Company | Style | Average annual premium |
|---|---|---|
| State Farm | 2WD 4 Door Sedan Automatic Turbo | $1,622 |
| Nationwide | 2WD 4 Door Sedan Automatic Turbo | $1,845 |
| Geico | 2WD 4 Door Sedan Automatic Turbo | $1,932 |
| Allstate | 2WD 4 Door Sedan Automatic Turbo | $2,845 |
| Progressive | 2WD 4 Door Sedan Automatic Turbo | $4,066 |
Compare auto insurance rates by city in Texas
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Texas will impact what you pay. Below, we've gathered Texas car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Beaumont | $2,149 |
Bishop | $1,925 |
Bowie | $1,831 |
Crystal City | $1,950 |
Dallas | $2,278 |
Higgins | $2,004 |
San Antonio | $2,181 |
Car insurance premium trends in Texas
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Texas to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
Compare Texas car insurance rates with other states
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