Texas drivers pay an average of $1,799 per year for full coverage car insurance and $795 for minimum coverage. These rates are based on a 40-year-old driver with good credit and a clean driving record. Your actual costs will vary based on your personal details.
Average Cost of Car Insurance in Texas
Updated: August 14, 2025
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Key Takeaways
Texas car insurance costs can range anywhere from $795 to $5,241 per year on average depending on your chosen coverage, driving profile and location.
Texas ranks as one of the most expensive in the country ranking 37th and 43rd overall for minimum and full coverage car insurance affordability respectively.
Find the cheapest car insurance in Texas by deciding on coverage beforehand, researching costs and companies, and comparing multiple quotes.
Average Car Insurance Cost In Texas
| Full Coverage | $243 | $2,912 |
| Minimum Coverage | $101 | $1,207 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by Oregon law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Average Texas Car Insurance Cost By Category
Your individual characteristics, geographic location, and vehicle choice all play major roles in determining car insurance costs. Here are average rates for common categories of drivers so you can see how pricing can vary.
| Young Drivers | $222 | $550 |
| Adult Drivers | $101 | $239 |
| Senior Drivers | $128 | $309 |
| Drivers With An Accident | $142 | $345 |
| Drivers With A DUI | $135 | $317 |
| Drivers With A Speeding Ticket | $118 | $291 |
| Drivers With Bad Credit | $130 | $270 |
| Drivers With Low Income | $92 | $188 |
| Drivers With Newer Cars | $81 | $194 |
| Drivers With Old Cars | $75 | $176 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
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Personalized Average Texas Car Insurance Costs
The general driver categories show basic rates, but your costs will be different. To understand tailored average costs for your profile, use the filterable table below.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100 Full Cov. w/$1,000 Ded. | 363 | 4352 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).
Average Texas Car Insurance Cost By City
Location matters for Texas car insurance costs. Annual rates for full coverage range from $577 in Marfa to $2,696 in McAllen. Your ZIP code can make or break your budget.
Data filtered by:Results filtered by:
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City:Abbott
| Full Coverage | $124 | $1,488 |
| Minimum Coverage | $54 | $650 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Texas Car Insurance Expensive?
Texas ranks 43rd in affordability for full coverage and 37th for minimum coverage among the 50 states and Washington, D.C., making it one of the costlier states for car insurance. This reflects statewide averages, and affordability rankings for your city differ from the rest of the United States.
Why Is Car Insurance More Expensive In Texas?
Here are the main factors behind Texas's high car insurance rates:
Optional PIP Coverage Requirements
Texas requires insurance companies to offer personal injury protection (PIP) coverage, and it's automatically included unless you reject it in writing. Unlike true no-fault states, Texas follows a modified comparative negligence system where drivers must be less at fault to receive compensation. PIP covers medical expenses, lost wages and childcare costs regardless of fault, making it valuable protection even though it's not mandatory.
High Rate of Uninsured Drivers
Texas has a higher rate of uninsured drivers compared to the national average, and Texas law requires insurance companies to offer uninsured motorist coverage when you purchase auto insurance. Rising insurance costs are a major factor, with most uninsured drivers saying they simply can't afford coverage. This elevated rate puts insured drivers at risk of expensive out-of-pocket costs when accidents occur with uninsured motorists.
Severe Weather and Natural Disasters
Texas has experienced numerous confirmed billion-dollar weather disasters, including severe storm events, tropical cyclones and drought events. Texas faces frequent hailstorms that impact homes and cars with large hailstones. The frequency and severity of these storms lead to increased comprehensive claims and higher premiums as insurers account for weather-related risks.
Rapid Population Growth and Urban Density
Urban areas are more expensive than rural ones, since companies consider local risks like the number of drivers and area crime rates when setting premiums. Increases in the number of cars on the road and accidents have contributed to rising insurance costs. Texas has higher accident rates than the national average, which insurers factor into pricing.
Advanced Vehicle Technology Costs
The cameras and sensors that are supposed to keep us safe are all more expensive to replace, even if it's just a fender bender. Increases in the costs to repair new cars due to their advanced technology have pushed premiums higher across the state. Modern safety features make repairs more complex and expensive, contributing to higher comprehensive and collision coverage costs.
Rising Insurance Premiums
Texas car insurance rates have increased substantially in recent years, with Texas experiencing some of the highest cumulative rate increases over extended periods. Average rates in the state have increased considerably in recent years, making Texas one of the most expensive states for auto insurance.
High Highway Speeds and Traffic Risks
Texas has experienced more fatal crashes involving alcohol and more fatalities involving people not wearing seatbelts compared to other large states, despite having fewer drivers per capita. Texas has high speed limits that increase accident severity and claim costs, while heavy traffic and dense highways increase crash likelihood for drivers spending more time on crowded roads.
Vehicle Theft and Crime Rates
Texas has elevated theft rates that contribute to comprehensive coverage costs. Drivers might pay lower premiums in ZIP codes with less crime, as insurance companies factor local crime rates into their pricing algorithms when determining comprehensive coverage costs.
Geographic Risk Factors
Texas homes face substantial risk of hurricane wind damage, while many are at risk of storm surge damage. Climate scientists project Texas has high chances of experiencing hurricanes or tropical storms, contributing to higher comprehensive coverage costs for cars in coastal and high-risk areas.
How To Lower Car Insurance Costs In Texas
Below we've created a step-by-step guide to lowering your car insurance costs.
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use different means of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in Texas: Bottom Line
Texas car insurance costs are among the more expensive in the United States, making it important to take advantage of savings strategies. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.
Cost of Car Insurance in Texas: FAQ
Below are answers to frequently asked questions about Texas car insurance costs:
How much is Texas car insurance per month?
Per month, Texas car insurance costs $66 for minimum coverage and $150 for full coverage policies. However, rates range from $54 to $550 monthly depending on your unique driver profile and coverage choice.
What factors affect Texas car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is Texas car insurance so expensive?
Texas faces extreme weather risks including hailstorms, flooding and hurricanes that drive up comprehensive coverage costs. The state has high uninsured driver rates at 14% compared to the national average of 13%, leading to higher premiums for all drivers. Rising health care costs, insurance fraud and rapidly growing urban areas with increased traffic density also contribute to Texas's above-average insurance costs.
How expensive is Texas car insurance?
Texas ranks 37th in affordability for minimum coverage and 43rd overall for full coverage, making them one of the most expensive places to get auto insurance in the U.S.
How We Determined Texas Car Insurance Costs
We used the following profile and modifications of this profile to determine Texas auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- National Centers for Environmental Information. "Billion-Dollar Weather and Climate Disasters: Texas." Accessed August 15, 2025.
- Texas Department of Insurance. "Uninsured Motorist Coverage." Accessed August 15, 2025.