What age is car insurance the cheapest?

Texas drivers in their 60s typically spend the least amount on car insurance. The average cost of car insurance for this age group is $134 per month.

Will your insurance go down when you turn 25?

Most likely. Auto insurance rates typically drop once drivers reach age 25, as long your driving record is clean. But if your rate didn’t go down when you turned 25, check with your insurer or agent.

Does Texas have any specific laws that affect insurance rates based on age?

Texas has no specific laws on the books that ban auto insurance companies from basing premium prices on age-related factors. This practice is common among insurers nationwide, which tend to charge higher premiums for both teens and senior drivers due to higher risk factors.

Does insurance go down at 21 or 25 in Texas?

Insurance costs in Texas can decrease for drivers turning 21 and 25. Each year of driving experience you have typically lowers your risk and can result in lower car insurance premiums. That said, Texas drivers will likely see a more significant decrease at 25 than at 21.

Does insurance go down at 35 in Texas?

Your insurance rates may go down when you turn 35 in Texas, depending on your insurer, driving record, and more. Average premiums typically decrease with age as drivers gain more experience behind the wheel.

Is $300 per month bad for car insurance in Texas?

A $300 per month auto policy costs more than average in Texas. The overall average cost of car insurance in Texas is $158. On average, Texas drivers pay $110 per month for liability coverage and $205 for full coverage. Ultimately, how much you pay depends on your age, driving record, vehicle type, and more.

What Age Does Insurance Go Down in Texas?

Updated July 23, 2026

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New Texas drivers, like teenagers, generally pay more for car insurance since insurers typically see inexperienced drivers as high-risk and prone to accidents. By age 20, rates start to come down, with age 25 being the sweet spot when most insurance companies give new drivers a break on price.^[1]

You may continue to see rates decrease, depending on your driving record and other factors, in your 30s, 40s, 50s, and even in your 60s. But once you turn 70, insurance companies will likely start to bump up your rates again as accident risks increase.

Here’s what you need to know about the age at which car insurance premiums go down in Texas.

What age does car insurance go down in Texas?

A teen driver (or their parents) may need to budget a bit extra for car insurance premiums for their first few years behind the wheel. But the good news is that premiums typically drop as drivers get older.

Texas teens pay an average of $308 per month for car insurance, whereas drivers in their 20s pay $209 per month on average.

Rates get even lower as you get older, with the lowest rates typically hitting in your 40s, 50s, and 60s. See how average costs for a liability-only policy vary by age group for Texas drivers in the chart below.

Liability-Only Rates by Age Group

Category	Price
60s	$93
70s	$99
50s	$102
40s	$111
30s	$117
20s	$146
Teens	$215

Why age affects car insurance rates in TX

Because teen drivers lack experience and maturity, they’re statistically more likely to get into a car accident than older drivers. Between 2019 and 2023, nearly 1,500 people in Texas died in car accidents involving teens, according to a report from AAA.

As each year passes, drivers gain experience and — typically starting at age 25 — may see car insurance premiums decrease over time. This is more likely if you maintain a clean driving record with no (or limited) traffic violations or accidents.

For example, the average cost of Texas car insurance is $308 per month for teen drivers, while drivers in their 40s pay $160 per month. Drivers in their 60s spend even less on car insurance, at $134 per month.

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How gender affects Texas car insurance rates

Age isn’t the only demographic that can affect auto insurance rates. Gender also plays a role, with male drivers generally spending more than their female counterparts.

Male drivers typically get into more accidents — often more serious ones than women and more often caused by driving under the influence. As a result, insurance companies see male drivers as high-risk and charge more. So if you’re a male driver, you’ll likely pay more for car insurance — especially if you’re a young driver.

The below rates in Texas are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.

Insurance Company	Liability-Only Quote for Male Teen Drivers	Liability-Only Quote for Female Teen Drivers
State Farm	$90	$85
Allstate	$127	$120
Progressive	$127	$121
GEICO	$131	$127
Mile Auto	$139	$130
USAA	$152	$144
Root	$162	$155
Mercury	$169	$159
First Acceptance	$173	$164
Clearcover	$174	$167
The General	$175	$160
GAINSCO	$180	$166
Alinsco	$181	$172
Bristol West	$187	$178
Lone Star	$187	$177
Dairyland	$192	$178
Commonwealth Casualty	$194	$178
Covercube	$199	$189
Mendota	$211	$200
Excepsure	$219	$207
Sun Coast	$219	$207
Elephant	$230	$214
AssuranceAmerica	$233	$213
Loop	$235	$222
Direct Auto	$236	$217
Safeco	$246	$229
National General	$251	$228
Trexis One	$273	$258
21st Century	$287	$274
Chubb	$288	$268
Insurify Car	$299	$283
Hugo	$321	$304
Liberty Mutual	$343	$326

Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.

Other factors that affect rates in Texas

Aside from age and gender, other important factors influence car insurance rates in Texas:

Location

Where drivers live — down to their ZIP code — can affect the cost of car insurance. Local weather events, crime reports, and traffic patterns typically cause pricing variations.

Driving record

In general, it pays to be a good driver. The fewer traffic violations, like a speeding ticket, accident, or DUI, you have on your record, the less you’ll pay for car insurance.^[2]

Vehicle type

Luxury cars are more expensive to replace or repair after an accident than standard vehicles. People who drive a make and model with a greater risk of theft, that costs more to repair, typically pay higher rates.

Mileage

Car owners who drive a lot typically pay more for insurance than drivers who don’t since more time spent on the road leads to a greater risk of having an accident and filing a claim.

Discounts to consider for Texas drivers

To spend less on car insurance, ask about any potential discounts you may qualify for. Most auto insurers offer a unique variety of discounts, but these are some fairly common ones you might come across:

Multi-policy: Bundling a couple of insurance products with one company, such as auto and home, can result in a discount.
Good student: If you or your child is in high school or college and earns top marks, you may be able to save a little money each month. Saving money is also a good motivator for any teenage driver who wants to improve their grades.
Defensive driving course: Take a defensive driving course to improve your skills, and your auto insurance company may reward you for it.
Anti-theft features: Install anti-theft features in your car to lower your risk of theft and save.
Multi-car: Households with multiple drivers often save when the same company ensures everyone. So, skip having your own policy and make it a family affair.

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How to get cheaper car insurance in Texas

If you want to spend less on car insurance each month in Texas, try these tips to find cheaper insurance:^[3]

Shop around

Before buying auto insurance, compare rates from a few different insurers. Ask for quotes from at least three different car insurance companies for a comparable amount of coverage to see which one can offer you the best price.

Ask for discounts

Ask about what kind of discounts you qualify for and which ones you may be eligible for down the road, like safe driving or good student discounts.

Be a safe driver

If your driving history illustrates that you practice safe habits on the road, like not speeding, your insurer will see you as low-risk, and you’ll likely qualify for lower rates.

Choose a higher deductible

A high deductible generally means lower rates. If you can pay more out of pocket in the event of a claim, you may be able to save on your premium.

When car insurance rates go down in Texas FAQs

If you want to better understand how your age affects Texas car insurance rates, check out the additional information below.

What age does car insurance go down in Texas?
Drivers typically see their car insurance premiums drop around age 25, but rates often increase again once drivers reach their 70s.
What age is car insurance the cheapest?
Texas drivers in their 60s typically spend the least amount on car insurance. The average cost of car insurance for this age group is $134 per month.
Will your insurance go down when you turn 25?
Most likely. Auto insurance rates typically drop once drivers reach age 25, as long your driving record is clean. But if your rate didn’t go down when you turned 25, check with your insurer or agent.
Does Texas have any specific laws that affect insurance rates based on age?
Texas has no specific laws on the books that ban auto insurance companies from basing premium prices on age-related factors. This practice is common among insurers nationwide, which tend to charge higher premiums for both teens and senior drivers due to higher risk factors.
Does insurance go down at 21 or 25 in Texas?
Insurance costs in Texas can decrease for drivers turning 21 and 25. Each year of driving experience you have typically lowers your risk and can result in lower car insurance premiums. That said, Texas drivers will likely see a more significant decrease at 25 than at 21.
Does insurance go down at 35 in Texas?
Your insurance rates may go down when you turn 35 in Texas, depending on your insurer, driving record, and more. Average premiums typically decrease with age as drivers gain more experience behind the wheel.
Is $300 per month bad for car insurance in Texas?
A $300 per month auto policy costs more than average in Texas. The overall average cost of car insurance in Texas is $158. On average, Texas drivers pay $110 per month for liability coverage and $205 for full coverage. Ultimately, how much you pay depends on your age, driving record, vehicle type, and more.

Sources

Insurance Information Institute. "What determines the price of an auto insurance policy?."
Texas Department of Insurance. "Auto insurance guide."
Texas Department of Insurance. "Lower your car insurance costs: Tips for saving money."

Methodology

Insurify data scientists analyzed more than 250 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:

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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

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.

Written byJacqueline DeMarcoFreelance Insurance Writer

Jacqueline DeMarcoFreelance Insurance Writer

13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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