Average Car Insurance Cost in Texas (2025)
Drivers in Texas pay an average of $2,107 each year for car insurance, but your personal rates depend on a few different factors.
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Written byBen Luthi
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Ben Luthi
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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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMark Friedlander
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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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Table of contents
The average monthly cost of car insurance in Texas is $121 for liability-only insurance and $231 for full coverage. These monthly premiums are higher than the national monthly averages of $105 for liability-only insurance and $195 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.
Quick Facts
Houston has some of Texas’ highest average rates, while Abilene is among the cheapest cities.
Texas drivers pay a yearly average of $2,768 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.
How much is car insurance in Texas?
Texas drivers who purchase liability-only insurance pay an average monthly premium of $121. That jumps to $231 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.
How Texas car insurance rates have changed over the past two years
See More
To find car insurance rates in Texas and the U.S. over the last two years, download our data here.
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.
Average Texas Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Texas car insurance rates by city
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.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Abilene | $94 | $199 |
| El Paso | $99 | $200 |
| Killeen | $106 | $214 |
| Amarillo | $106 | $235 |
| Midland | $107 | $231 |
| Odessa | $108 | $250 |
| Lubbock | $108 | $218 |
| Laredo | $110 | $206 |
| San Marcos | $111 | $234 |
| Huntsville | $112 | $231 |
| Brownsville | $116 | $212 |
| Denton | $118 | $227 |
| Fort Worth | $120 | $232 |
| San Antonio | $125 | $233 |
| Plano | $126 | $234 |
| Arlington | $126 | $239 |
| Grand Prairie | $129 | $257 |
| Galveston | $129 | $226 |
| Irving | $129 | $248 |
| Mesquite | $130 | $249 |
| Corpus Christi | $131 | $230 |
| Dallas | $132 | $267 |
| Mcallen | $132 | $227 |
| Austin | $132 | $231 |
| Garland | $133 | $248 |
| Beaumont | $141 | $248 |
| Houston | $172 | $311 |
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.
Average Texas car insurance rates by age and gender
Your age and gender are two factors that can influence your car insurance rates. Older drivers tend to get in fewer accidents than young drivers, and teenagers typically pay the highest rates.
Additionally, men tend to get in more accidents — and more serious ones — than women, leading to more frequent and expensive claims. As a result, men pay higher average rates than women.
Here’s what rates look like in Texas based on age and gender.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $270 | $535 |
| 18 | $235 | $465 |
| 20 | $160 | $316 |
| 25 | $142 | $281 |
| 30 | $124 | $245 |
| 40 | $113 | $224 |
| 50 | $103 | $204 |
| 60 | $98 | $193 |
| 70+ | $107 | $212 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $252 | $499 |
| 18 | $219 | $434 |
| 20 | $149 | $295 |
| 25 | $132 | $262 |
| 30 | $115 | $229 |
| 40 | $106 | $209 |
| 50 | $96 | $190 |
| 60 | $91 | $180 |
| 70+ | $100 | $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 cost to insure popular vehicles in Texas
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 rates for some of the most popular models in Texas, according to Edmunds.[5]
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $220 |
| Chevrolet Silverado | $244 |
| Ram 1500/2500/3500 | $273 |
| GMC Sierra | $247 |
| Tesla Model Y | $405 |
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.
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How your driving record affects car insurance rates in Texas
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.
Getting a speeding ticket typically increases your rate the least — though it’s still a 37% increase in Texas. Driving under the influence (DUI) can cause your premium to spike by an average of 64%.
Here’s a quick look at rates for Texas drivers with different incidents on their records.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $341 | 44% |
| With speeding ticket | $324 | 37% |
| With DUI | $388 | 64% |
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 is one of many U.S. states that allow insurers to use a credit-based insurance score to help determine your rate. That said, 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 TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $107 $211 Good $119 $235 Fair $118 $232 Poor $150 $296 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.
How to lower your insurance costs in Texas
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:
Shop around
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.
Look out for discounts
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.
Get the right amount of coverage
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.
Raise your deductibles
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.
Improve your credit
If your credit is in poor shape, taking steps to increase your credit score may help you qualify for better rates in the future.
Practice good driving habits
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.
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Texas average car insurance cost FAQs
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 $1,446 per year for liability-only insurance and $2,768 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 $41 for liability-only insurance and $74 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 $231 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.
Methodology
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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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Sources
- Risk & Insurance. "The State of the P&C Insurance Market in Texas."
- III. "What determines the price of an auto insurance policy?."
- Texas Open Data Portal. "Passenger Vehicle, Motorcycle, and Pickup Truck Registrations by Year."
- Texas Highways. "The evolution of the pickup truck, Texans’ vehicle of choice for generations."
- Edmunds. "Most popular cars in America."
- Texas Department of Insurance. "Credit Scoring and Insurance."
- Texas Department of Insurance. "Auto insurance guide."
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Ben Luthi
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.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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.