Texas Car Insurance Calculator: Cost & Coverage Estimates

• Every Texas ZIP code covered. Monthly rate data comes monthly from Quadrant Information Services, which pulls directly from Texas insurer filings with state regulators.
• No insurer influence. No company pays to appear in our results or influence our estimates. See our editorial policy.
• Expert reviewed. Mark Fitzpatrick is a licensed P&C insurance producer who has analyzed millions of rates across 12 Texas insurers. Mark Friedlander of the Insurance Information Institute reviewed this page for accuracy. 
  Our full auto insurance methodology details how we collect and use rate data.

Your insurer choice creates the largest rate difference in Texas. State Farm charges $95/month for full coverage; Dairyland charges $254/month for the exact same driver and coverage. That's a $159/month difference, or $1,908/year. A driver currently with Dairyland who switches to State Farm saves $159/month while keeping full coverage intact. Germania Insurance is a Texas-only carrier that doesn't appear on most national comparison sites. At $137/month, it's the 5th cheapest carrier in the state and $42/month less than Dairyland for the same profile.

Get a quote from State Farm first. It's the cheapest Texas insurer in every standard and high-risk category. Get a GEICO quote second, especially if you're a young driver or carry less-than-good credit. If neither appears competitive for your profile, Germania is worth adding as a third quote. At $137/month, it undercuts six of the ten major Texas carriers on the baseline profile.

The difference between the cheapest and most expensive ZIP codes in Texas is $71/month, or $852/year, for the same policy with the same carrier. Austin averages $97/month for full coverage. Costs in Dallas, Houston and Laredo range from $117 to $119/month. But the statewide gap understates what's happening inside the major cities. Within Houston alone, rates span $93/month between the cheapest and most expensive ZIP codes — wider than the entire statewide range. Dallas spans $83/month within its own city limits. Houston and Dallas rank among the top five metro areas in the country for vehicle theft volume, per NICB data, which drives up comprehensive claim exposure across every ZIP in those cities. The highest-risk ZIP codes within each city carry that exposure more heavily than others.

Update your address with your insurer any time you move. Outside Houston, Dallas and Laredo, get a GEICO quote alongside State Farm. In Houston and Dallas specifically, the ZIP code you're in can matter more than the city average suggests. Compare at least three carriers at your specific ZIP code before renewing.

Teen Texans pay $846/month at 16, but rates don't drop evenly. The two largest single-year reductions are at 17 ($169/month) and 19 ($138/month). Rates keep falling through the twenties: $64/month at 21, $30/month at 22, $27/month at 23. By comparison, the drop at 25 is only $20/month. A driver who waits until 25 to re-shop misses the two largest pricing resets in the state by six and four years respectively.

Carrier rankings shift at each threshold. State Farm is cheapest at 17 ($402/month) and 19 ($324/month). By 21, GEICO overtakes State Farm as the cheapest option at $235/month versus $238/month. By 25, State Farm reclaims the top spot at $159/month. Re-shop at 17, 19, and 21 with the full carrier list — the cheapest option changes at each of those birthdays. Keep teens on a family policy: individual coverage costs an average of 32% more in Texas. For seniors, State Farm stays cheapest through every age bracket after 60, but re-shop annually after 65 since the gap between carriers widens with age.

Texas lets insurers use your credit score with no restrictions, and the biggest price differences between credit tiers may not be where you expect. The largest single tier jump is below fair to poor: that one change adds $108/month. The full poor-to-good spread is $213/month, more than the entire price difference between State Farm and Dairyland.

The car insurance company that's cheapest for your credit tier shifts sharply. State Farm is cheapest at good credit at $95/month but becomes the most expensive option in the state at poor credit, rising to $612/month, a 547% increase. GEICO is cheapest at both poor ($189/month) and fair ($126/month) credit. A driver who improves from poor to good credit and switches from GEICO to State Farm saves $94/month on the carrier switch alone, on top of the $213/month credit improvement. Re-quote every time your score moves into a new tier and treat it as a full carrier comparison. Texas insurers don't adjust rates mid-policy.

After a violation in Texas, the carrier spread matters more than the average surcharge. State Farm doesn't surcharge speeding or texting violations at all. For other drivers, minor violations like speeding and texting add $29/month on average, an at-fault accident adds $59/month, and a DUI adds $72/month. But insurer variation after a DUI dwarfs those averages. State Farm charges $144/month after a DUI, and Chubb charges $328/month for the same driver. A DUI driver who stays with Chubb instead of switching to State Farm pays $184/month more than necessary, or $4,416 over the two-year SR-22 period.

Texas does not prohibit not-at-fault surcharges, per the Texas Department of Insurance Consumer Bill of Rights. Five of ten carriers charge nothing after a not-at-fault accident, but AAA, Mercury and Allstate add $32 to $34/month for the same event. Re-quote immediately after any violation, not just at-fault ones. After a DUI, Texas requires an SR-22 for 24 months. Re-quote at month 24 when the SR-22 expires and again at month 36 when the violation clears your record. A Texas DPS-approved defensive driving course, available online for $25 to $50, can dismiss one eligible ticket every 12 months.

The jump from minimum liability at $66/month to standard full coverage with a $1,000 deductible is $27/month. Switching from Dairyland to State Farm saves $159/month for the same full coverage. Switching insurance companies saves nearly six times more than the full coverage upgrade costs, and allows you to keep the same protection. Texas led the nation in hail events in both 2024 and 2025, which makes the $27/month upgrade from minimum to full coverage one of the most cost-effective decisions in the state. A single hail event can total a vehicle. Collision coverage doesn't pay for that, but comprehensive does.

Drivers with an active loan must carry comprehensive and collision until the loan is paid off. Drivers who own their vehicle outright should weigh the $27/month cost of the full coverage upgrade against what they'd pay out of pocket to replace the car after a hail event. If the answer is to drop coverage, switch carriers first. Saving $159/month by moving to State Farm while keeping full coverage is a better outcome than saving $27/month by dropping it.

The vehicle you drive shifts your Texas rate by an average of $46/month. A Ford F-150 costs $205/month to insure. A Tesla Model Y costs $297/month. That $92/month gap reflects the cost of replacing EV-specific components and the limited availability of certified repair shops in most Texas markets, not the driver behind the wheel.

Texas has recorded more major hail events than any other state for over a decade, with 902 events in 2025 alone per the NOAA's Storm Prediction Center data. A driver in Dallas or Houston choosing between two vehicles should factor in not just the base rate difference but what each vehicle would cost to replace after a hail total. A higher-value vehicle carries a higher comprehensive premium and a higher replacement cost exposure in a state where hail events total vehicles every season. If you're deciding between two cars, get quotes for both before you buy and compare the full coverage cost, not just the liability premium.

Bodily injury liability covers the medical bills, lost wages, and legal costs of people you injure in a crash you caused, up to your policy limit. Texas's minimum is $30,000 per person. A single serious injury in a car accident can cost more than that. Anything above your limit is a personal debt in Texas's at-fault system. The calculator sets limits based on what you own because that's what's actually at risk.

Property damage liability covers the cost of vehicles and property you damage when you're at fault. Texas's minimum is $25,000. If you total someone's newer car or hit a structure, that minimum may not be enough to cover the damage, and the difference comes out of your pocket.

Collision covers damage to your own vehicle from a crash, regardless of who caused it. Comprehensive covers everything else: theft, fire, flooding, and hail. In Texas, where the state led the nation in major hail events in both 2024 and 2025 per NOAA, comprehensive is the coverage that protects against the most likely source of damage to your car. Lenders require both coverages on any vehicle with an active loan or lease.

Uninsured motorist coverage pays your repair and medical costs when the driver who hit you either has no insurance or doesn't have enough to cover the damage. Texas law requires your insurer to offer it.

Gap insurance pays the difference between what your car is worth and what you still owe on the loan if your car is totaled. It protects you from a situation where your car is gone but your loan payments aren't. It matters most in the first few years of financing, when you owe more than the car's market value.

1. Get at least three quotes, including Germania. Start with State Farm and GEICO, then add Germania, a Texas-based carrier that doesn't appear on most national comparison sites. The $159/month spread between cheapest and most expensive means a single missed quote can cost over $1,900/year.
2. Re-shop when your situation changes. Most Texas drivers re-shop too rarely. The right triggers are a new vehicle, every birthday between 16 and 25, every renewal after 65, a move, a credit tier improvement and the month a violation is three years old.
3. Check your coverage limits before your next renewal. Texas's 30/60/25 minimum leaves most drivers underprotected. If you cause a serious accident, anything above your policy limits comes out of your savings and wages directly. Use the coverage calculator above to confirm your limits match your assets.