On average, car insurance rates for drivers in Texas are $270 per month, and $3240 per year. The average rates make Texas the 13th most expensive state in the country for car insurance rates and 18% more expensive than the national average.
Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.
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.
Insurify analyzed car insurance rates in the twenty most populous cities in Texas and has selected the following providers and quotes as the best rates for drivers in Texas.
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.
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.
"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.
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.
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.
"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.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.