Updated: February 20, 2026
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Texas is one of the more expensive states for car insurance, but rates vary by driver. Your premium depends on where in Texas you live, the drivers on your policy and your driving record. Some factors, like your chosen coverage level and which companies you quote, are in your control. Others, like your age and location, aren't.
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The average Texas driver pays $150 per month for full coverage car insurance and $66 per month for minimum liability coverage. Both figures are above the national average.
| Minimum Coverage | $66 | $60 | $795 | $726 |
| Full Coverage | $150 | $124 | $1,799 | $1,493 |
Texas ranks 43rd for full coverage affordability. Drivers pay $306 more per year than the national average for full coverage and $69 more for minimum coverage.
Texas is among the more expensive states for car insurance, ranking 43rd in the country. Only eight states have higher average rates.
Severe weather, heavy traffic and a large uninsured driver population drive Texas' high rates. Urban congestion in Houston, Dallas-Fort Worth and San Antonio also pushes rates up (see rates by city). Houston drivers, for example, pay $198 per month for full coverage (60% above the national average).
Vermont is the cheapest state for full coverage at $75 per month, while Florida is the most expensive at $243 per month. Texas ranks just above Colorado and just below Maryland.
| Vermont | $75 | $902 | 1 |
| Colorado | $146 | $1,754 | 42 |
| Texas | $150 | $1,799 | 43 |
| Maryland | $150 | $1,802 | 44 |
| Florida | $243 | $2,912 | 51 |
Read more: Why Car Insurance in Texas Is So Expensive
State Farm is the cheapest car insurance company in Texas, with an average overall premium of $67 per month ($808 per year), 38% less than the state average. GEICO and Mercury are the next most affordable.
Comparing multiple insurers is the most reliable way to find a lower rate. Car insurance companies in Texas and all other states use their own formulas to calculate rates. The rates we cite are for the same driver profile, so the differences show how much one person can save by shopping around.
Read more: Cheapest and Best Car Insurance Companies in Texas
| State Farm | $41 | $93 | $497 | $1,118 |
| Geico | $54 | $112 | $651 | $1,341 |
| Mercury Insurance | $54 | $133 | $648 | $1,594 |
| AAA | $63 | $126 | $762 | $1,513 |
| Germania Insurance | $72 | $143 | $868 | $1,715 |
| Progressive | $87 | $149 | $1,048 | $1,783 |
Where you live in Texas heavily affects your car insurance rate. Houston and Dallas are the most expensive large cities, with full coverage averaging $198 and $195 per month. El Paso and Lubbock are the most affordable among the state's top 10 metros.
| Houston | $198 | $86 |
| Dallas | $195 | $86 |
| Plano | $178 | $81 |
| San Antonio | $176 | $77 |
| Arlington | $175 | $78 |
| Corpus Christi | $164 | $72 |
| Fort Worth | $163 | $71 |
| Austin | $158 | $69 |
| Lubbock | $156 | $68 |
| El Paso | $153 | $67 |
Houston's high rates reflect dense traffic, frequent accidents and severe weather exposure. El Paso benefits from lower population density and fewer weather-related claims. The gap between the most and least expensive of Texas' 10 most populous cities for full coverage is $45 per month ($540 per year).
Age and gender affect car insurance rates in Texas. Adding a 16-year-old male to a family policy costs an average of $8,364 per year; for females, the average is $8,126. Both are roughly four to five times the base adult rate. Rates drop through the early 20s and level off around age 25.
The table below shows average annual premiums when a young driver is added to a household policy with two 50-year-old parents. Use the dropdown to toggle between male and female rates.
Individual policy rates are also shown to illustrate how much young Texans can save by staying on a family policy. A 16-year-old male, for example, would pay $10,563 per year on an individual policy. A family policy covering that same driver and two 50-year-old parents costs $8,364.
| 16 | $8,364 | $10,563 |
| 17 | $8,013 | $8,435 |
| 18 | $7,566 | $7,507 |
| 19 | $7,173 | $5,756 |
| 20 | $6,832 | $5,212 |
| 21 | $6,593 | $4,436 |
| 22 | $6,237 | $4,094 |
| 23 | $5,817 | $3,717 |
| 24 | $5,631 | $3,511 |
| 25 | $5,207 | $3,253 |
A clean driving record is the single most effective way to keep car insurance rates low. A DUI in Texas, the most severe violation, adds an average of $74 per month to a full coverage premium (a 48% increase). Even a speeding ticket raises rates by 19%.
| Clean Record | $155 | $1,865 | — |
| Accident (not at fault) | $167 | $2,000 | 8% |
| Texting While Driving | $181 | $2,177 | 17% |
| Speeding | $184 | $2,209 | 19% |
| Accident (at fault) | $215 | $2,582 | 39% |
| DUI | $229 | $2,749 | 48% |
In Texas and other states, a history of driving violations makes a driver riskier to insure. Insurers cover that risk by increasing your car insurance rates.
Texas allows insurers to use credit-based insurance scores when setting premiums, and the rate difference can be substantial. Drivers with bad credit pay an average of $350 per month for full coverage, more than double the $148 that drivers with good credit pay.
| Good Credit | $65 | $148 |
| Bad Credit | $151 | $350 |
| Difference | $86 | $202 |
Low-income Texas drivers with bad credit can lower their premiums by improving their credit score. Unlike California, Hawaii and Massachusetts, Texas has no restrictions on credit-based rating, so insurers will use your score to set your rates.
Your coverage level is one of the biggest variables in your car insurance premium. State minimum liability with no comprehensive and collision costs $68 per month, while a high-limit full coverage policy (a policy with much higher liability limits that includes comprehensive and collision coverage) runs $172 per month.
| Minimum Liability Only | $68 | $814 |
| Min. liab. + comp/coll ($1,000 ded.) | $93 | $1,113 |
| Min. liab. + comp/coll ($2,000 ded.) | $119 | $1,425 |
| 50/100/50 liability + comp/coll ($500 ded.) | $148 | $1,778 |
| Min. liab. + comp/coll ($250 ded.) | $150 | $1,802 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $155 | $1,865 |
| Min. liab. + comp/coll ($0 ded.) | $163 | $1,954 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $172 | $2,066 |
A minimum liability policy in Texas covers only the lowest required liability limits (30/60/25) and doesn't include comprehensive or collision insurance. The table above starts with a minimum liability policy and shows costs as you increase liability limits and add comprehensive and collision. For example, the policy titled "50/100/50 liability + comp/coll ($500 ded.)" breaks down as:
For more on coverage types and limits, read about the types of car insurance coverages and how much car insurance you need.
Car makes and models affect insurance rates. A Tesla Model Y costs $297 per month to insure in Texas (45% more than a Ford F-150). Economy cars like the Honda Civic and Toyota Camry fall in the middle. The models shown here are among the most popular in the country by sales, but your rate will depend on your vehicle.
| Ford F-150 | $100 | $1,204 | $205 | $2,457 |
| Honda Civic | $103 | $1,237 | $211 | $2,538 |
| Honda Accord | $107 | $1,280 | $219 | $2,625 |
| Toyota Prius | $110 | $1,325 | $226 | $2,715 |
| Toyota Camry | $111 | $1,334 | $228 | $2,733 |
| Toyota Rav4 | $113 | $1,361 | $233 | $2,791 |
| Tesla Model 3 | $125 | $1,501 | $255 | $3,064 |
| Tesla Model Y | $146 | $1,751 | $297 | $3,565 |
Electric vehicles cost more to insure because their parts and specialized repairs are more expensive. A Tesla Model Y costs $297 per month for full coverage, $92 more than a Ford F-150 at $205. If insurance cost matters in your next car purchase, a Civic or Camry will save you roughly $70 per month on full coverage compared to a Tesla.
Texas car insurance costs vary more than most drivers expect. Here's what people ask most often.
Texas car insurance costs $66 per month for minimum coverage and $150 for full coverage, but rates range from $54 to $550 depending on your driver profile and coverage choice.
Hailstorms, flooding and hurricanes drive up comprehensive coverage costs across the state. Texas also has a higher-than-average share of uninsured drivers (14% vs. the national average of 13%), which raises premiums for everyone. Rising health care costs, insurance fraud and rapid urban growth add to the state's above-average rates.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in Texas:
Sections on cost by age and driving record use rates for those specific driver profiles, with all other factors held constant.
Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
