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Texas Average Cost of Car Insurance Rates (2022)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka

Updated March 9, 2022

How Much Does Car Insurance Cost In Texas?

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.

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.

Best Texas Auto Insurance Rates

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.

Cheapest CompaniesQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Progressive$54
Allstate$96
State Farm$113
GEICO$127
Direct Auto$144

Texas Car Insurance Rates by City

For drivers in Texas, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Texas.

CityAvg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Arlington$246
Austin$230
Baird$181
Dallas$261
El Paso$221
Fort Worth$227
Houston$296
Katy$286
Plano$243
San Antonio$229

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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Teens$511
20s$311
30s$229
40s$239
50s$226
60s$196
70s$211
>80s$224

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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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Male$282
Female$260

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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Married$252
Single$279

Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas[1] are:

  • $30,000 per person for bodily injury

  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Poor$247
Average$259
Good$269
Excellent$252

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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$256
At-Fault Accident$307
Speeding$286

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Texas Car Insurance

  • 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.

  • 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.

  • 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.

  • 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.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Courtney Roy
Courtney Roy

Insurance Writer

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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Sources

  1. Texas Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022