How Much Does Car Insurance Cost In Texas?

On average, drivers pay $270 per month for car insurance in Texas, according to 2021 rates.

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Average Cost of Car Insurance in Texas

Texas roads will take you to breathtaking beauty like Palo Duro Canyon, Lady Bird Lake, and Big Bend National Park. Most of the state's 29 million residents spend less time traversing the outdoors and more time in the daily hustle of work or school.

Houston, San Antonio, and Dallas all make the top 10 list of most populated cities in America, so traffic comes with the territory in these big metros. City dwellers and rural drivers alike need car insurance as they tame their own special part of the Lone Star State, which ranks 13th for highest car insurance prices in the country.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $27050%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

What Is the Average Cost of Car Insurance in Texas by Age?

At $511 per month, most working Texas high schoolers would be lucky to squeak out enough for a car insurance payment. A little age and driving experiences give the twentysomethings a $200 drop in average payment costs compared to their teen years.

Folks in their 30s, 40s, and 50s, on average, pay $30 to $45 less than the state average, which makes sense because they're responsible veteran drivers. Texas drivers age 60 and older will see their rates march up as they age, but they still pay less than those youngsters in their 20s.

AgeAvg. Monthly Rate

What Is the Average Cost of Car Insurance in Texas by Gender?

Men pay about eight percent more than women for insurance, which translates to a $22 difference. That’s because women are statistically safer drivers than men, with the gap in risky driving behavior being the largest between young men and young women.

GenderAvg. Monthly Rate

Does Marital Status Influence the Average Cost of Car Insurance in Texas?

"Will you marry me so that we can save money on car insurance?" It's not exactly romantic unless you're marrying an insurance agent. Maybe that agent is on to something, because financial experts say marriage brings stability and other benefits like a lower tax rate.

And you'll save about $25 a month in the Lone Star State, which turns into over $300 a year. That's enough to take your spouse out and get a little something for yourself, too.

Marital StatusAvg. Monthly Rate

What Are the Minimum Car Insurance Requirements in Texas?

Texas only requires liability insurance to pay if you injure others or damage their property. Those requirements are $30,000 in bodily injury liability per person and $60,000 per accident and $25,000 for property damage per accident. Just remember, you'll need comprehensive and collision coverage to protect your car.


How Does Credit History Affect Texas Car Insurance Rates?

According to state law, insurance companies can use credit scores as a factor in setting rates. However, the Texas Department of Insurance argues their rules "are among the strongest in the country."

As consumer protections, credit can't be the only factor; companies must file their credit scoring models, and you can dispute inaccurate information. The rates are close because drivers with better credit drive more expensive cars than their less creditworthy counterparts. There's only a $5 difference between excellent and poor credit, with good credit drivers paying the most.

Credit HistoryAvg. Monthly Rate

What Is the Average Cost of Car Insurance in Texas for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Texas will pay $30 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $50. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$256
At-Fault Accident$307

Tips for Researching Texas Car Insurance Rates

Everything is bigger in Texas, and that applies to the variety of options for car insurance. Prices and policies vary by location, company, and driver. The Lone Star State has plenty of room for you to get a plan that fits your budget and meets the mandated requirements.

Use a quote-comparison tool like Insurify to get up to 10+ real quotes and unlock savings and discounts. In less than two minutes, you can find the coverage you deserve at a price you can afford.

FAQs - Texas Car Insurance

Why is car insurance so expensive in Texas?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Texas?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Texas. Insurify analyzed the latest data for the five most populous cities in Texas to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Texas?

'The way to find the carrier with the best auto insurance ratings in Texas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Texas?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.