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Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
The average annual cost of car insurance in Texas is $1,457 for liability-only insurance and $2,567 for full coverage. These premiums are higher than the national annual averages of $1,212 for liability-only insurance and $2,152 for full coverage.
Many areas of Texas are at risk of extreme weather, and the state has several large metro areas. Both of these factors could contribute to the Lone Star State’s higher-than-average car insurance rates. Costs have also increased significantly over the past couple of years, driven by inflation, rising car prices, and population growth.[1]
Here’s what to know about car insurance rates in Texas and what you can do to lower your costs.
Houston has some of Texas’ highest average rates, while Abilene is among the cheapest cities.
Texas drivers pay a yearly average of $2,567 for full-coverage policies.
Shopping around, looking for discounts, adjusting your coverage, improving credit, and practicing good driving habits are a few simple ways to save on auto insurance.
Texas drivers who purchase liability-only insurance pay an average monthly premium of $121. That jumps to $214 per month for full coverage, which includes collision and comprehensive insurance.
The rate you pay for coverage depends on several factors.[2] But knowing the average cost can help you get a sense of where you stand and whether you can take steps to lower your rate.
See how average monthly rates compare to U.S. averages in the table below.
 | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Texas | $121 | $214 |
| National average | $101 | $179 |
The average price of full-coverage car insurance in Texas rose to $2,700 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Texas.
See how Texas car insurance prices have changed over the past two years below.
To find car insurance rates in Texas and the U.S. over the last two years, download our data here.
Due to differences in vandalism, theft, and accident rates, car insurance premiums can vary from city to city and even by ZIP code. Drivers who live in urban areas, like Houston or Austin, usually pay more than rural drivers in cities like Fredericksburg or Johnson City.
Here’s a quick look at how auto insurance rates vary within the state of Texas.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Abilene | $91 | $181 |
| Big Spring | $91 | $184 |
| Commerce | $98 | $208 |
| Jacksonville | $98 | $184 |
| Temple | $101 | $176 |
| Corsicana | $101 | $174 |
| Victoria | $103 | $179 |
| Cleburne | $104 | $172 |
| Lufkin | $105 | $189 |
| Bryan | $105 | $190 |
| Texarkana | $105 | $176 |
| Nacogdoches | $105 | $180 |
| Amarillo | $105 | $215 |
| College Station | $106 | $193 |
| Southlake | $106 | $173 |
| El Paso | $106 | $195 |
| Killeen | $108 | $190 |
| Greenville | $109 | $200 |
| Lubbock | $109 | $209 |
| Midland | $110 | $208 |
| Harlingen | $111 | $173 |
| Odessa | $112 | $222 |
| New Braunfels | $112 | $185 |
| Cedar Park | $114 | $206 |
| Grapevine | $115 | $178 |
| Denton | $116 | $202 |
| Georgetown | $116 | $193 |
| Huntsville | $117 | $193 |
| Burleson | $117 | $206 |
| San Marcos | $118 | $213 |
| Waxahachie | $119 | $211 |
| Haltom City | $120 | $213 |
| Laredo | $121 | $204 |
| Lewisville | $121 | $196 |
| Coppell | $121 | $223 |
| Fort Worth | $122 | $213 |
| Leander | $122 | $208 |
| Mckinney | $122 | $202 |
| Frisco | $123 | $209 |
| Round Rock | $123 | $201 |
| Keller | $124 | $194 |
| Mansfield | $125 | $224 |
| Duncanville | $127 | $231 |
| Plano | $127 | $221 |
| Montgomery | $128 | $240 |
| Brownsville | $128 | $207 |
| Irving | $128 | $228 |
| Cleveland | $129 | $219 |
| Grand Prairie | $129 | $234 |
| Balch Springs | $129 | $195 |
| San Antonio | $129 | $222 |
| Forney | $129 | $229 |
| Arlington | $129 | $217 |
| Conroe | $131 | $216 |
| Corpus Christi | $131 | $207 |
| Galveston | $132 | $203 |
| Lancaster | $133 | $245 |
| Austin | $133 | $210 |
| Pflugerville | $135 | $208 |
| Rowlett | $135 | $226 |
| Friendswood | $136 | $206 |
| Rockwall | $137 | $214 |
| Dallas | $137 | $243 |
| Beaumont | $137 | $223 |
| Mesquite | $137 | $241 |
| Mcallen | $137 | $218 |
| Garland | $138 | $228 |
| Pearland | $138 | $228 |
| Baytown | $140 | $233 |
| La Porte | $140 | $229 |
| League City | $142 | $207 |
| Mission | $142 | $217 |
| San Juan | $148 | $257 |
| Sugar Land | $154 | $232 |
| Katy | $159 | $246 |
| Humble | $163 | $256 |
| Fresno | $165 | $261 |
| Houston | $175 | $277 |
Your age can significantly influence your car insurance rates. Older drivers tend to get in fewer accidents than young drivers, and teenagers typically pay the highest rates. Average rates tend to decrease with age as you gain more driving experience.
Here’s how average car insurance rates in Texas vary by age group.
The type of vehicle you drive also affects how much you pay for insurance coverage. In addition to the cost of repairs, insurers consider theft rates, engine size, and safety records when setting rates.
Nearly one-quarter of Texas’ vehicle registrations in 2021 were trucks.[3] Pickups are popular, in part, due to the needs of drivers in rural areas. But they’re also popular in cities.[4]
Here’s a look at the average insurance rates for some of the most popular models in Texas, according to Edmunds.[5] Of the state’s most popular vehicles, the Ford F-Series and Chevrolet Silverado have the cheapest average monthly quotes, and the Tesla Model Y has the most expensive average rates.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $220 |
| Chevrolet Silverado | $244 |
| Ram 1500/2500/3500 | $273 |
| GMC Sierra | $247 |
| Tesla Model Y | $405 |
Compare personalized quotes from dozens of Texas’ top companies
Your driving record has a major effect on your insurance rates because risky driving increases your chances of filing a claim. People with accidents and serious moving violations on their records tend to pay more than people with clean records. Texas drivers with clean records pay $178 per month.
Drivers with speeding tickets face the lowest rate increase, with an average premium of $236 per month. An at-fault accident increases the average monthly rate to $246 per month, and driving under the influence (DUI) can cause your premium to increase to $282.
Here’s a quick look at how rates vary for Texas drivers with different incidents on their records.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| Clean record | $178 | N/A |
| With accident | $246 | 38% |
| With speeding ticket | $236 | 33% |
| With DUI | $282 | 58% |
Texas is one of many U.S. states that allow insurers to use a credit-based insurance score to help determine your rate. But state law prohibits insurers from using your credit as the sole factor in determining your eligibility for a policy or your rate.[6]
If you have poor credit and other negative risk factors, your rate can be significantly higher than that of someone with excellent credit.
On average, Texans with poor credit scores pay $296 per month for full coverage, compared to $211 for people with excellent credit.
Here’s a look at the average monthly premium for liability only and full coverage based on credit tier.
Credit Tier | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Excellent | $107 | $211 |
| Good | $119 | $235 |
| Fair | $118 | $232 |
| Poor | $150 | $296 |
Texas insurance companies consider a few additional factors when determining premiums, including the following:
Gender: Men tend to get in more accidents — and more serious ones — than women, leading to more frequent and expensive claims. As a result, men typically pay higher average rates than women.
ZIP code: Your location in Texas, down to your ZIP code, can influence your insurance rates. Insurance companies consider your ZIP code’s proximity to a fire station, crime rates, accident rates, and more.
Insurance history: Your insurer will also look at whether you’ve had insurance in the past. A history of past coverage and minimal claims will help you earn lower rates. If you’ve had an insurance lapse, insurers may increase your premiums to account for the risk of another lapse.
Comparing quotes is the best way to save on auto insurance
Understanding the factors that influence your car insurance premiums can help you determine which steps you can take to get cheaper car insurance.
Here are some tips to help you maximize your savings:
Insurers have different ways of determining car insurance premiums, so it’s important to shop around and compare insurance quotes from multiple companies to improve your chances of getting cheap coverage.
Auto insurance companies offer a variety of discounts that can help you reduce your monthly rate. As you compare insurers, pay special attention to the discounts they offer.
It can be challenging to determine how much car insurance you need. While you’ll typically want more than state-minimum coverage, it’s important to find a balance between your policy’s coverage limits and monthly cost. Dropping unnecessary coverages can help you save.
If you can afford it, consider raising your deductible. While this can increase your out-of-pocket costs if you need to file a claim, the monthly savings may be worth it.
If your credit is in poor shape, taking steps to increase your credit score may help you qualify for better rates in the future.
Many auto insurers use telematics technology to help determine your rate based on your driving habits. If you agree to a telematics program, the insurer will track your driving through a mobile app or plug-in device and may offer you a lower rate if you regularly practice good driving habits.
If you live and drive in Texas, here are some common questions you may come across as you consider your options.
On average, Texas drivers pay $1,457 per year for liability-only insurance and $2,567 for full coverage. But your rate will depend on several factors, including where you live, as well as your driving record, driving habits, vehicle, age, gender, credit, and coverage levels.
State Farm offers the least expensive auto insurance in the Lone Star State, charging a monthly average of $59 for liability-only insurance and $97 for full coverage. But it’s important to shop around and compare personalized quotes if you want to find cheap coverage.
The average monthly premium for Texans is $121 for liability-only coverage and $214 for full coverage.
We researched dozens of top Texas insurers and determined that the best car insurance companies in Texas are GEICO, Allstate, and USAA.
Texas law requires drivers to maintain a minimum amount of liability insurance. Minimum liability includes bodily injury liability coverage of at least $30,000 per person and $60,000 per accident, which can help cover medical expenses for drivers in the other vehicle. You’ll also need to maintain at least $25,000 in property damage coverage.[7] If you have an auto loan, your lender may also require you to maintain collision and comprehensive insurance.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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