Compare Rates and Save on Auto Insurance

widget-location-pin

How Much Is Car Insurance in Texas? (2023)


Compare Rates and Save on Car Insurance

Enter Your Zip Code

widget-location-pin
Shield

Free. Simple. Secure.

Updated: Sep 20, 2023
Content was edited
Edited by

Several variables go into determining how much you'll pay for car insurance in Texas, including your age, the amount of coverage you get, location, driving record and credit score.

In Texas, for instance, the average annual premium for full coverage as a 40-year-old with State Farm is $699, but Dairyland charges $1,895. Also, a 25-year-old pays around $900 yearly with State Farm, a couple of hundred dollars more than a 40-year-old.

MoneyGeek Logo IconCar InsuranceCosts inTexas
2023

Table of Contents

Average Car Insurance Costs in Texas (2023)

In Texas, the average annual car insurance cost is $1,183 for full coverage. Some of the key factors that determine your premium are your age, motor vehicle record and the coverage you choose.

With a spotless record in Texas, full coverage for a 40-year-old is around $1,183 yearly. The average annual rate, however, increases to $1,437 after a speeding ticket, $1,747 after a DWI (Texas does not use DUI) and $1,926 following an at-fault accident.

Driving Record
Annual Premium
Monthly Premium

Clean

$551

$46

Clean

$559

$47

Ticket

$670

$56

Ticket

$704

$59

Clean

$716

$60

Ticket

$843

$70

DUI

$855

$71

DUI

$864

$72

At-Fault Accident

$943

$79

At-Fault Accident

$1,017

$85

DUI

$1,089

$91

Clean

$1,136

$95

At-Fault Accident

$1,156

$96

Clean

$1,183

$99

Ticket

$1,415

$118

Ticket

$1,437

$120

Clean

$1,534

$128

DUI

$1,706

$142

DUI

$1,747

$146

Ticket

$1,805

$150

At-Fault Accident

$1,926

$160

At-Fault Accident

$1,989

$166

DUI

$2,234

$186

At-Fault Accident

$2,386

$199

Why Are Car Insurance Rates Moderate in Texas?

Texans do pay more for auto insurance than those in many other states. But the average Texas car insurance cost for full coverage is pretty close to the national average of $1,054 per year. Texas is a moderately-priced state for auto insurance — reasons for moderate rates may include medium urban population density, lower rates of vehicle thefts and lower traffic density.

If your premium for car insurance is more expensive in Texas than the average driver, it may be because of personal attributes like your age or driving record.

Average Car Insurance Costs in Texas by Company

The average cost of auto insurance in Texas should not be regarded as a standard for the state; costs vary substantially between companies. State Farm has the average cheapest minimum coverage insurance in Texas, costing around $321 a year ($699 for full coverage), while Dairyland has the most expensive at roughly $1,002 ($1,895 for full coverage).

Since a minimum coverage policy in Texas only requires bodily injury and property damage liability and at the lowest allowed limits, State Farm’s policy is the cheapest liability-only insurance available.

Full coverage in Texas is more expensive than minimum coverage, but by comparing quotes from multiple companies, you are highly likely to get cheap full coverage insurance.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$295

$25

State Farm

$299

$25

State Farm

$321

$27

Texas Farm Bureau

$339

$28

Mercury

$383

$32

Allstate

$383

$32

State Farm

$392

$33

Allstate

$393

$33

Mercury

$425

$35

Texas Farm Bureau

$433

$36

Allstate

$479

$40

Mercury

$504

$42

Nationwide

$535

$45

GEICO

$549

$46

Progressive

$559

$47

Nationwide

$561

$47

Progressive

$564

$47

GEICO

$576

$48

AAA Texas

$581

$48

Chubb

$606

$50

AAA Texas

$606

$50

Chubb

$614

$51

GEICO

$628

$52

Texas Farm Bureau

$629

$52

State Farm

$632

$53

Progressive

$655

$55

State Farm

$699

$58

National General

$715

$60

Foremost

$718

$60

AAA Texas

$737

$61

National General

$751

$63

Nationwide

$754

$63

Texas Farm Bureau

$760

$63

Allstate

$793

$66

Foremost

$817

$68

Allstate

$871

$73

Mercury

$888

$74

State Farm

$900

$75

Nationwide

$917

$76

Texas Farm Bureau

$932

$78

Mercury

$939

$78

National General

$955

$80

Foremost

$958

$80

Dairyland

$970

$81

GEICO

$975

$81

GEICO

$996

$83

Dairyland

$1,002

$84

Nationwide

$1,127

$94

GEICO

$1,167

$97

Chubb

$1,167

$97

Allstate

$1,168

$97

Dairyland

$1,188

$99

AAA Texas

$1,207

$101

Chubb

$1,220

$102

Mercury

$1,223

$102

AAA Texas

$1,240

$103

Chubb

$1,348

$112

Nationwide

$1,363

$114

Progressive

$1,367

$114

Progressive

$1,398

$117

Foremost

$1,559

$130

National General

$1,580

$132

AAA Texas

$1,588

$132

Foremost

$1,598

$133

Dairyland

$1,697

$141

National General

$1,764

$147

Progressive

$1,826

$152

Dairyland

$1,895

$158

National General

$1,989

$166

Foremost

$2,005

$167

Chubb

$2,191

$183

Dairyland

$2,325

$194

Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
mglogo icon
MONEYGEEK’S TEXAS CAR INSURANCE CALCULATOR

Your coverage levels and a variety of personal factors, such as your age and driving record, determine how much you pay for car insurance in Texas. MoneyGeek’s car insurance calculator for Texas can assist you in seeing the best estimate of what you may pay with multiple companies.

Average Car Insurance Costs in Texas by Coverage Level

The average annual cost of auto insurance in Texas can range from $537 for the minimum coverage required to $1,401 for the maximum possible coverage. As you raise your liability limits, costs will rise.

Adding comprehensive and collision coverage to get a full coverage policy could add hundreds of dollars to your annual policy rate. But raising your deductible for both coverages or only one can lower your full coverage insurance cost.

Average annual car insurance rates by coverage tier

Texas has a minimum amount of auto insurance coverage every driver must obtain; it is the cheapest policy on the market. The bodily injury liability and property damage liability limits on this policy are the lowest possible, and it does not include collision or comprehensive coverage.

You can increase your liability limits. Higher liability limits, often stated as 50/100/50 or 100/300/100, are available from insurers. Some have a maximum of 300/500/300.

A liability-only policy with 50/100/50 includes the following:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $50,000 property damage liability per accident

With a liability-only policy, only third parties are covered for medical costs and property damage. Full coverage has financial protection for your vehicle because it includes comprehensive coverage and collision coverage that pay for any damages caused to your car in the event of an at-fault accident or other incident, such as fire, theft or hail.

Average Car Insurance Costs in Texas by Age

Your age can have a big impact on how much your auto insurance costs in Texas or any state, especially when it is car insurance for new or young drivers. Here is the average cost of a full coverage policy by age group in Texas:

  • 22–29: $1,534 per year
  • 30–59: $1,183 per year
  • 60+: $1,136 per year

Insurance tends to be higher for drivers in their 20s but remains relatively stable between the ages of 30 and 59 and even after 60 before rising for those over the age of 70.

Age
Annual Premium
Monthly Premium

22-29

$1,534

$128

22-29

$716

$60

30-59

$1,183

$99

30-59

$551

$46

60 +

$559

$47

60 +

$1,136

$95

Average Car Insurance Costs in Texas for Teens

The average cost of insuring a 16-year-old male on a family policy in Texas is $3,687 yearly, which is much higher than the rates for other ages. In most cases, it is illegal for a teen under 18 to purchase car insurance without a parent or guardian as a co-signer, and if they do get an individual policy, the cost is around $7,113 annually.

Costs do, however, go down as drivers become older and gain more experience on the road. The average yearly cost for a 19-year-old male on a family plan is $2,629, while the cost for a 22-year-old is $2,055. Young drivers in Texas can save money by shopping around for the cheapest insurers.

Rates vary significantly by sex in most states, including Texas. The average annual cost for a 16-year-old female teen on a family policy is $3,284, around $400 less than the cost for a male teen of the same age.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$3,284

$274

$6,325

$527

16

$3,687

$307

$7,113

$593

17

$3,167

$264

$5,356

$446

17

$3,551

$296

$6,017

$501

18

$2,772

$231

$4,735

$395

18

$3,101

$258

$5,325

$444

19

$2,366

$197

$3,232

$269

19

$2,629

$219

$3,688

$307

20

$2,486

$207

$2,889

$241

20

$2,746

$229

$3,258

$271

21

$1,828

$152

$2,130

$178

21

$2,037

$170

$2,403

$200

22

$1,833

$153

$1,937

$161

22

$2,055

$171

$2,170

$181

23

$1,887

$157

$1,790

$149

23

$2,145

$179

$1,980

$165

24

$1,790

$149

$1,697

$141

24

$1,991

$166

$1,838

$153

25

$1,614

$134

$1,525

$127

25

$1,732

$144

$1,594

$133

Average Car Insurance Costs in Texas for New Cars vs. Older Cars

A 2012 vehicle costs roughly $1,233 a year to insure with full coverage in Texas, which is around 25% less than the average cost of $1,589 to cover a 2022 model year. Because of their higher actual cash value, repair costs or increased danger of theft, it can be more expensive to insure a new car over an old car.

Drivers of newer vehicles in Texas should consider purchasing full coverage insurance to get comprehensive and collision coverage, which pays for damages to their vehicle, whether from an at-fault collision or off-road incident like fire, flood or theft.

The actual cash value (ACV) of your vehicle determines how much your insurance company will pay in a comprehensive or collision claim, whether to repair the vehicle or consider it totaled and pay you the ACV. Car insurance premiums may go down as the vehicle ages since the ACV drops, and the insurer may pay out less on a claim.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$567

$47

2022 Vehicle

$571

$48

2012 Vehicle

$589

$49

2012 Vehicle

$594

$50

2022 Vehicle

$751

$63

2012 Vehicle

$778

$65

2012 Vehicle

$1,154

$96

2012 Vehicle

$1,233

$103

2022 Vehicle

$1,457

$121

2022 Vehicle

$1,589

$132

2012 Vehicle

$1,618

$135

2022 Vehicle

$2,078

$173

Average Car Insurance Costs in Texas by Driving Record

Auto insurance in Texas may be higher for drivers with a moving violation than for those with a clean motor vehicle record. In Texas, drivers pay the following premium, on average, for a full coverage policy:

  • Clean record: $1,183 a year
  • Speeding ticket: $1,437 a year
  • DWI: $1,747 a year
  • At-fault accident: $1,926 a year

Costs usually rise according to how serious the driving infraction is. For example, a DWI will likely result in a higher insurance rate than a speeding ticket.

Some insurers may penalize a driver more than another for a specific violation. You must compare quotes from several companies to get cheap auto insurance in Texas despite a poor record.

Driving Record
Annual Premium
Monthly Premium

Clean

$551

$46

Clean

$559

$47

Ticket

$670

$56

Ticket

$704

$59

Clean

$716

$60

Ticket

$843

$70

DUI

$855

$71

DUI

$864

$72

At-Fault Accident

$943

$79

At-Fault Accident

$1,017

$85

DUI

$1,089

$91

Clean

$1,136

$95

At-Fault Accident

$1,156

$96

Clean

$1,183

$99

Ticket

$1,415

$118

Ticket

$1,437

$120

Clean

$1,534

$128

DUI

$1,706

$142

DUI

$1,747

$146

Ticket

$1,805

$150

At-Fault Accident

$1,926

$160

At-Fault Accident

$1,989

$166

DUI

$2,234

$186

At-Fault Accident

$2,386

$199

Average Car Insurance Costs in Texas by Credit Score

Your auto insurance premium could be significantly impacted by your credit history or credit-based insurance score. Texas drivers with poor credit pay, on average, $2,096 annually for a minimum coverage policy, while with an excellent credit score, they only pay $831.

Depending on credit history, Texas drivers pay, on average, the following for minimum coverage:

  • Excellent: $831 per year
  • Good: $1,021 per year
  • Fair: $1,269 per year
  • Below fair: $1,531 per year
  • Poor: $2,096 per year

It's important to compare quotes to find cheap auto insurance in Texas for drivers with bad credit because insurers may penalize drivers differently for having lower credit ratings.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$383

$32

Excellent

$397

$33

Good

$468

$39

Excellent

$480

$40

Good

$487

$41

Fair

$580

$48

Good

$587

$49

Fair

$600

$50

Below Fair

$705

$59

Fair

$723

$60

Below Fair

$726

$60

Excellent

$790

$66

Excellent

$797

$66

Excellent

$831

$69

Excellent

$847

$71

Excellent

$860

$72

Below Fair

$875

$73

Excellent

$889

$74

Good

$971

$81

Poor

$974

$81

Good

$978

$81

Poor

$979

$82

Good

$1,021

$85

Good

$1,039

$87

Excellent

$1,047

$87

Good

$1,059

$88

Excellent

$1,080

$90

Good

$1,094

$91

Excellent

$1,122

$94

Poor

$1,184

$99

Fair

$1,204

$100

Fair

$1,211

$101

Fair

$1,269

$106

Good

$1,285

$107

Fair

$1,291

$108

Fair

$1,306

$109

Good

$1,323

$110

Fair

$1,354

$113

Good

$1,379

$115

Below Fair

$1,451

$121

Below Fair

$1,452

$121

Below Fair

$1,531

$128

Below Fair

$1,551

$129

Below Fair

$1,571

$131

Fair

$1,595

$133

Below Fair

$1,630

$136

Fair

$1,640

$137

Fair

$1,702

$142

Below Fair

$1,922

$160

Poor

$1,947

$162

Below Fair

$1,967

$164

Poor

$1,987

$166

Below Fair

$2,046

$170

Poor

$2,096

$175

Poor

$2,098

$175

Poor

$2,143

$179

Poor

$2,228

$186

Poor

$2,629

$219

Poor

$2,643

$220

Poor

$2,784

$232

Average Car Insurance Costs in Texas by City

Your location in Texas may have a large impact on how much you pay for car insurance. For instance, Houston drivers pay around $1,436 annually for a full coverage policy, while Wichita Falls drivers pay roughly $965 annually.

In a city in Texas with a high population density and volume of traffic, such as Houston, car insurance rates are generally more expensive than in smaller towns.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Abilene

$1,301

$562

Abilene

$1,016

$436

Abilene

$953

$440

Allen

$1,500

$742

Allen

$1,158

$571

Allen

$1,109

$576

Amarillo

$1,556

$665

Amarillo

$1,209

$512

Amarillo

$1,131

$516

Arlington

$1,519

$747

Arlington

$1,174

$576

Arlington

$1,126

$581

Austin

$1,502

$741

Austin

$1,159

$571

Austin

$1,111

$575

Beaumont

$1,614

$810

Beaumont

$1,242

$623

Beaumont

$1,195

$627

Brownsville

$1,652

$814

Brownsville

$1,276

$622

Brownsville

$1,221

$626

Carrollton

$1,628

$802

Carrollton

$1,257

$617

Carrollton

$1,202

$621

College Station

$1,333

$647

College Station

$1,032

$500

College Station

$989

$504

Corpus Christi

$1,474

$750

Corpus Christi

$1,140

$578

Corpus Christi

$1,095

$581

Dallas

$1,703

$832

Dallas

$1,314

$640

Dallas

$1,255

$643

Denton

$1,464

$723

Denton

$1,132

$558

Denton

$1,081

$561

El Paso

$1,409

$642

El Paso

$1,093

$495

El Paso

$1,035

$499

Fort Worth

$1,509

$728

Fort Worth

$1,168

$563

Fort Worth

$1,117

$566

Frisco

$1,501

$745

Frisco

$1,159

$574

Frisco

$1,110

$578

Garland

$1,712

$852

Garland

$1,322

$657

Garland

$1,268

$661

Grand Prairie

$1,664

$817

Grand Prairie

$1,287

$630

Grand Prairie

$1,232

$633

Houston

$1,860

$908

Houston

$1,436

$699

Houston

$1,376

$705

Irving

$1,622

$787

Irving

$1,251

$606

Irving

$1,195

$609

Killeen

$1,357

$650

Killeen

$1,052

$503

Killeen

$1,005

$507

Laredo

$1,603

$722

Laredo

$1,249

$557

Laredo

$1,177

$558

League City

$1,584

$789

League City

$1,221

$607

League City

$1,174

$612

Lewisville

$1,491

$743

Lewisville

$1,151

$572

Lewisville

$1,102

$577

Lubbock

$1,410

$646

Lubbock

$1,095

$499

Lubbock

$1,038

$504

McAllen

$1,762

$874

McAllen

$1,364

$668

McAllen

$1,300

$672

McKinney

$1,516

$745

McKinney

$1,171

$573

McKinney

$1,121

$576

Mesquite

$1,689

$830

Mesquite

$1,302

$639

Mesquite

$1,246

$642

Midland

$1,338

$599

Midland

$1,037

$461

Midland

$981

$465

Odessa

$1,451

$633

Odessa

$1,128

$490

Odessa

$1,062

$493

Pasadena

$1,650

$818

Pasadena

$1,274

$630

Pasadena

$1,221

$634

Pearland

$1,684

$837

Pearland

$1,298

$645

Pearland

$1,250

$651

Plano

$1,567

$776

Plano

$1,207

$596

Plano

$1,156

$600

Richardson

$1,627

$806

Richardson

$1,256

$620

Richardson

$1,204

$625

Round Rock

$1,421

$702

Round Rock

$1,098

$542

Round Rock

$1,056

$547

San Angelo

$1,285

$529

San Angelo

$1,001

$410

San Angelo

$939

$415

San Antonio

$1,579

$780

San Antonio

$1,220

$601

San Antonio

$1,170

$604

Sugar Land

$1,612

$809

Sugar Land

$1,242

$623

Sugar Land

$1,198

$629

The Woodlands

$1,642

$829

The Woodlands

$1,267

$639

The Woodlands

$1,220

$645

Tyler

$1,474

$721

Tyler

$1,135

$554

Tyler

$1,089

$557

Waco

$1,339

$633

Waco

$1,038

$491

Waco

$993

$494

Wichita Falls

$1,239

$550

Wichita Falls

$965

$426

Wichita Falls

$911

$430

Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

FAQ About Car Insurance Costs in Texas

It's common to wonder how much Texas auto insurance typically costs, especially given that prices vary depending on location and individual factors. For more information, look over MoneyGeek's responses to frequently asked questions.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.