7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
A licensed insurance agent with Insurify since May 2022, Nicholas has five years experience in the insurance industry. He previously held agent positions with Progressive, Root, and Assurance. Nicholas studied architecture at the University of Nevada in Las Vegas. Outside of helping others with insurance, he builds motorcycles and enjoys camping and the outdoors with his wife and two children.
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In Texas, the average cost of a minimum-coverage policy is $119 per month. But drivers who opt for full coverage pay an average of $237 per month. By comparison, the national averages for liability-only and full-coverage car insurance are $103 and $207, respectively.
Many areas of Texas are at risk of extreme weather, and the state has several large metro areas. These factors could help contribute to Texas' higher-than-average car insurance rates. Drivers in the state can find the cheapest car insurance available to them by comparing rates from multiple companies.
Quick Facts
Car insurance rates in Texas can increase to a monthly average of $260 after an at-fault accident.
The state's largest city is Houston, with a population of more than 2.26 million people.
State Farm offers the cheapest insurance policies in Texas.
What’s the average cost of car insurance in Texas?
The average cost of liability-only car insurance for Texas drivers is $119 per month, or $1,426 per year. Drivers who buy full-coverage car insurance pay an average of $237 per month, or $2,840 per year.
As a driver, your exact insurance costs will depend on various factors.[1] But understanding the average costs for your state can help you determine if you’re paying too much for your coverage.
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Average Texas car insurance rates by city
Average car insurance costs in Texas vary significantly based on where you live.[1] While residents of San Antonio, which has a population of 1.47 million, pay an average of $125 per month for liability-only car insurance, residents of the much-smaller Mesquite (population 143,792) see average liability rates of $134 per month.
The city you live in and its rates of accidents, vandalism, theft, severe weather events, and more affect your car insurance premiums. Naturally, drivers in cities with higher accident rates will typically pay more than drivers living in an area with fewer accidents.[1]
The following table illustrates how average monthly insurance costs can vary by town.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Texas car insurance rates by insurance company
Insurance companies have slightly different methods for determining insurance premiums. Based on these differences, drivers will find a range of rates across insurance companies.
For example, a full-coverage car insurance policy in Texas from Allstate averages $91 per month, while GEICO's average for full coverage in the state is $70 per month.
Since the average insurance costs vary widely across companies, it often makes sense to shop around for the best policy. A quick comparison could help you find the best Texas car insurance company for your personal situation.
Below is a closer look at average monthly costs in Texas based on insurance company.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Your age also influences your car insurance costs.[1] In Texas, teen drivers tend to pay the most for car insurance due to their lack of experience behind the wheel. After 25, car insurance rates tend to decrease.
On average, Texas drivers enjoy the best rates when in their 60s. Below is a breakdown of average liability rates by age.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Teens
Young Drivers
Middle Aged
Seniors
204
148
100
83
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fewer women die in car crashes than men, according to the Insurance Institute for Highway Safety.[2] Because insurance companies use gender when determining rates, men tend to pay more for car insurance than women.[1]
In Texas, male drivers pay an average of $321 per month for a full-coverage policy. In contrast, female drivers in Texas pay an average of $289 per month for similar coverage.
Below is a look at monthly average car insurance rates based on gender.
Gender
Full Coverage
Liability Only
Men
$245
$123
Women
$230
$116
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Texas car insurance rates by marital status
Car insurance companies may take your marital status into account when determining premiums. Generally, single drivers pay more for car insurance than married people.[3]
The trend holds true in Texas. Below, you’ll find overall average car insurance rates based on marital status.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Married
Single
174
178
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Texas car insurance rates by driving record
Your driving record also affects your car insurance rates.[1] Drivers with clean driving records typically pay less on average than drivers with traffic violations on their records. For example, getting a speeding ticket might cause your rates to increase.
In Texas, drivers tend to see the highest rate spike when they have a DUI conviction. But accidents and speeding tickets can also lead to higher rates. Below, you’ll find a breakdown of average liability-only car insurance costs based on your driving record.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Clean Record
Speeding Ticket
At-Fault Accident
DUI
111
162
174
198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Texas car insurance rates by credit score
An auto insurance policy is a financial agreement between you and an insurance company. Many insurance companies want to know that you can hold up your end of the deal by making on-time payments. With that, many insurers take your credit history into account when determining rates.
Drivers with good credit typically pay less for insurance than drivers with poor credit scores.[1] If you want to improve your credit score, make on-time payments to all credit accounts and limit your credit usage.[4]
Below is a breakdown of average liability insurance costs based on credit score.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Poor Credit
Good Credit
Excellent Credit
149
109
97
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Texas minimum car insurance requirements
In Texas, drivers need at least 30/60/25 coverage. Here’s the breakdown of those coverage requirements:[5]
Beyond the minimum car insurance requirements Texas law sets, you might have to carry additional coverage if you lease or finance your vehicle. Lenders often require drivers to carry collision coverage and comprehensive coverage until the vehicle is paid off.[5]
Even if your lender or lessor doesn’t require full-coverage insurance, sometimes more coverage is a good idea. Carrying more coverage might help you cover medical costs and legal fees after an accident.[6]
But carrying more than minimum coverage “tends to make the least sense if your car is old, well-used, and fully paid-off since just about any substantial crash or damage would result in a total loss in these cases,” says Ben Michael, founder of Michael & Associates in Texas.
If you drive an older vehicle and the cost of repairing it is more than its value, you can drop comprehensive and collision coverage to lower your car insurance premiums.
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Texas car insurance FAQs
Here are answers to commonly asked questions about Texas car insurance costs.
What is the average cost of car insurance in Texas?
On average, full-coverage car insurance in Texas costs $237 per month, and liability-only insurance averages $119 per month.
What factors affect car insurance costs in Texas?
Some of the factors that affect car insurance costs in Texas include your city, driving record, gender, vehicle type, and age.[1] Additionally, some insurance companies offer usage-based insurance options, which can lead to lower costs for infrequent drivers. Each driver will likely find a variety of premium costs across different insurance companies, which means shopping around can pay off.
Do car insurance rates vary by county in Texas?
Yes. Auto insurance rates vary based on where you live in Texas.[1] Although we break down the difference in average costs by city, variations likely exist across county lines.
What are the best auto insurance companies in Texas?
Texas Farm Bureau earned the top rating in customer satisfaction, according to the J.D. Power 2022 U.S Auto Insurance Study.[7] State Farm also earned an above-average rating. State Farm also offers some of the cheapest car insurance options in the state, according to Insurify data.
Is car insurance required in Texas?
Drivers in Texas must carry 30/60/25 coverage, which translates to:[5]
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
A licensed insurance agent with Insurify since May 2022, Nicholas has five years experience in the insurance industry. He previously held agent positions with Progressive, Root, and Assurance. Nicholas studied architecture at the University of Nevada in Las Vegas. Outside of helping others with insurance, he builds motorcycles and enjoys camping and the outdoors with his wife and two children.
