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The average cost of car insurance in Spring, Texas, is $133 per month for liability coverage, according to Insurify data. Full-coverage rates for Spring drivers average $228 per month. The city of Spring is a census-designated place governed by Harris County and a northern suburb of Houston. Though it’s about 20 miles away from Houston, Spring has lower rates, as the average monthly cost for car insurance in Houston is $212.
Spring car insurance is higher than in League City, another suburb of Houston, where coverage averages $162 per month.
Spring has a smaller population than Houston, which may contribute to lower car insurance rates, but local traffic patterns and higher-than-average commute times could explain why it has higher rates than the Texas state average of $158 per month.
State Farm offers the cheapest car insurance in Spring, Texas, with average monthly rates of $49 for liability-only coverage. For full coverage, State Farm offers the cheapest rates, averaging $97, according to Insurify data.
Spring’s average rate of $181 per month is above the Texas state average of $158 per month.
Spring drivers need at least enough insurance to meet Texas’ car insurance requirements. This includes $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 in property damage liability.[1] Auto policies in Texas also include personal injury protection (PIP), but you can decline the coverage in writing. Also, insurance companies must offer uninsured/underinsured motorist coverage, which you can also decline in writing.
Spring drivers may consider full coverage because of high traffic and accident activity on Interstate 45, as well as moderate flood risk. Full coverage includes both collision and comprehensive coverage, which help pay for collision and non-collision events.
To find affordable coverage, see rates for the cheapest car insurance in Spring for liability and full coverage below.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $49 | $97 |
| Allstate | $70 | $137 |
| Mile Auto | $72 | $159 |
| Progressive | $72 | $134 |
| GEICO | $80 | $168 |
| USAA | $88 | $174 |
| Mercury | $99 | $158 |
| First Acceptance | $101 | $247 |
| The General | $104 | $231 |
| Alinsco | $105 | $206 |
| Lone Star | $109 | $255 |
| Nationwide | $111 | $219 |
| Commonwealth Casualty | $112 | $245 |
| GAINSCO | $112 | $215 |
| Bristol West | $116 | $223 |
| Clearcover | $116 | $202 |
| Dairyland | $117 | $281 |
| Root | $117 | $192 |
| Covercube | $119 | $273 |
| Mendota | $121 | $236 |
| AssuranceAmerica | $123 | $228 |
| Sun Coast | $128 | $254 |
| Safeco | $131 | $194 |
| Direct Auto | $132 | $206 |
| National General | $133 | $220 |
| Loop | $137 | $252 |
| Elephant | $139 | $214 |
| Chubb | $151 | $294 |
| Trexis One | $157 | $323 |
| 21st Century | $174 | $340 |
| Liberty Mutual | $212 | $309 |
Insurify partners with 120+ top insurers for real-time quotes
Texas is the second-largest state by area, and as a result, auto insurance quotes can vary widely by city. Abilene has the lowest average rate, at $130 per month, while Houston is the most expensive, at $212 per month.
Spring car insurance is on the higher end as a Houston suburb, at $181 per month.
Spring is in Harris County, where car theft rates are high. In 2025, the county recorded more than 20,000 stolen vehicles, and insurers consider this risk when giving quotes to Spring drivers. Spring drivers also have a higher-than-average commute time of 34 minutes, which increases the likelihood of accidents. Texas also has a high percentage of uninsured motorists, estimated at nearly 15%, which raises rates for everyone.
Here, you can see how car insurance coverage costs in Texas vary by city.
City | Average Monthly Quote |
|---|---|
| Abilene | $130 |
| Amarillo | $151 |
| Arlington | $164 |
| Austin | $164 |
| Beaumont | $173 |
| Brownsville | $161 |
| Corpus Christi | $164 |
| Dallas | $179 |
| Denton | $153 |
| El Paso | $139 |
| Fort Worth | $157 |
| Galveston | $163 |
| Garland | $180 |
| Grand Prairie | $168 |
| Houston | $212 |
| Huntsville | $153 |
| Irving | $168 |
| Katy | $189 |
| Killeen | $145 |
| Laredo | $153 |
| Lubbock | $146 |
| McAllen | $171 |
| Mesquite | $179 |
| Midland | $147 |
| Odessa | $162 |
| Plano | $158 |
| San Antonio | $166 |
| San Marcos | $151 |
As a Houston suburb, Spring can have heavy traffic congestion, with some busy roads, such as the Hardy Toll Road South, State Highway 99, and Spring Cypress Road, being prone to traffic and accidents. The average commute time in Spring is 34 minutes, which is higher than the U.S. national average of 27 minutes.
The Old Town Spring shopping center is a major neighborhood hub with more than 100 businesses, and it sees higher activity on weekends and holidays. Finding parking there during busy periods may be challenging. Parking at the Old Town Spring shopping center also varies in price, with some spots being free, other lots being paid, and some accepting donations.
Also, it’s important to be aware that rain can occur year-round, Spring has a moderate risk of flooding, and many roads have potholes. Given these issues, budget plenty of time during rush-hour traffic, be aware of weather reports, and drive carefully when there’s rain or other inclement weather.
Pay your first week’s premium and get immediate proof of insurance
Car insurance companies evaluate risk when setting rates and review your driving record. Drivers with a clean record typically qualify for the lowest rates, and insurance premiums increase depending on the incident and severity.
Because Spring is a smaller, census-designated place, it has a very low crash rate. It saw only three total crashes in 2024. But because it’s part of Harris County, which includes Houston, the county’s driving stats affect Spring drivers.[2] For example, 2% of Houston drivers have a speeding ticket, while 4% have an at-fault accident, according to Insurify data.
The Harris County police force also has an active DWI Task Force that specifically patrols Hardy Toll Road in an effort to reduce drunk driving.[3]
In Texas, if you have an at-fault accident, rates can increase by 26% on a full-coverage policy.
Texas is an at-fault state, so drivers who cause accidents are financially responsible for the damage, per Texas law. While you may be able to find a cheaper liability policy in Spring, full coverage can offer more protection.
Below, you can see how average monthly quotes vary for Spring drivers by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $181 |
| Speeding ticket | $227 |
| At-fault accident | $241 |
| DUI | $250 |
Teen drivers in Spring have to go through multiple driving-permit phases before they can get an official Texas driver’s license. Texas allows teens to start this process at age 15, and a curfew exists through age 18.[4]
At age 79, Texas requires seniors to come in person to a local driver’s license office to renew their license.[5] Spring seniors can find their closest office at 4740 Spring Cypress Road.
The cost of car insurance in Spring is highest for teenage drivers and declines with age into your 60s. In Spring, people younger than age 18 make up 29% of the population, while those 65 and older make up 10%.
The following table shows average car insurance quotes in Spring by age groups.
Age | Average Monthly Quote |
|---|---|
| Teens | $354 |
| 20s | $240 |
| 40s | $183 |
| 60s | $154 |
*Quotes generated for Insurify users in and around Spring, Texas within the last 10 days. Last updated on June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Spring, Texas within the last 10 days. Last updated on June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Learn more about getting affordable car insurance in Spring, Texas, below with answers to frequently asked questions.
The average cost of car insurance in Spring, Texas, is $181 per month, according to Insurify data. This is higher than the Texas average of $158 per month. Factors like driving history, credit history, deductible, and coverage options affect the cost of your insurance policy. To get cheap full-coverage car insurance in Spring, evaluate quotes from different insurers.
The insurance company with the lowest auto insurance rates for Texas drivers is State Farm, with rates averaging $43 per month.
Currently, Progressive is cheaper than GEICO in Texas. The average cost of state-minimum liability insurance is $63 per month with Progressive, compared to $70 per month with GEICO.
To get the cheapest car insurance in Texas, consider bundling homeowners and auto insurance policies, taking a defensive driving course, and comparing quotes from several car insurance companies.
You can find the cheapest car insurance in Spring, Texas, by comparing different insurance coverages, researching insurance discount options, keeping a clean record and a healthy credit history, and bundling car insurance with home or renters insurance.
Insurify data scientists analyzed more than 190 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 500+ 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:
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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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.