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. Germania Insurance is a Texas-only carrier worth considering that doesn't appear on most national comparison sites and is competitive with the larger carriers across most driver profiles.

Quote State Farm first. It's the lowest price in every standard and high-risk category in Texas. Get a GEICO quote second, especially if you're a young driver or have a poor credit score. See our review of the cheapest car insurance in Texas for a full carrier comparison by driver 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. Drivers in Austin pay an average of $97/month for full coverage. Dallas, Houston and Laredo see rates of $117 to $119/month. El Paso comes in at $105/month, cheaper than both Houston and Dallas despite being a large border city.

Update your address with your insurer any time you move. Outside Houston, Dallas, and Laredo, get a GEICO quote alongside State Farm. In those three cities, compare at least three carriers at your specific ZIP code since rates vary widely within city limits.

Teen Texans pay $288/month for full coverage, more than twice the adult rate, but the birthday that saves the most money isn't 25. Rates fall to $69/month at 17 and drop another $39/month at 19. Texas seniors pay $147/month on average, rising to $165/month by 80.

Keep teens and young drivers on a family policy since individual coverage costs an average of 32% more in Texas. Re-shop at 17 and 19, not just at 25, to take advantage of additional savings. For seniors, it's best to re-shop every year after 65. The lowest-price carrier shifts at nearly every age, so recent comparisons matter.

Texas lets insurers use your credit score with no restrictions, and the pricing difference is larger than most drivers expect. Poor credit costs $350/month for full coverage, fair credit costs $223/month and good credit costs $148/month. The biggest single move is from poor to fair, which produces the largest dollar drop of any credit tier change in Texas.

Your insurer won't lower your rate automatically when your score improves. Take steps to improve your credit and re-quote every time your credit moves into a new tier.

Most violations affect your Texas rate for three years. The cost depends on severity: minor violations like speeding and texting add $17 to $29/month on average, while an at-fault accident adds $60/month and a DUI adds $74/month. A Texas DPS-approved defensive driving course, available online for $25 to $50, can dismiss one eligible ticket every 12 months.

After a DUI, Texas requires an SR-22 for two years. Keep your policy active for the full period and re-quote at month 24 when the SR-22 drops off, then again at month 36 when the violation clears your record entirely.

The jump from minimum liability only at $66/month to adding comprehensive and collision with a $1,000 deductible is $27/month. Texas led the nation in hail events in both 2024 and 2025, making that $27/month one of the most cost-effective coverage upgrades in the state. The full range of costs based on coverage level runs from $66/month for state minimum liability to $172/month for a full coverage policy with 300/500/300 limits and a $1,500 deductible.

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 against what they'd pay out of pocket to replace the car after a hail event.

The vehicle you drive shifts your Texas rate by an average of $46/month based on repair cost, parts availability and replacement value. A Ford F-150 costs $205/month to insure compared to $297/month for a Tesla Model Y. That $92/month gap reflects parts cost and repair complexity, not the driver.

Most drivers won't choose a vehicle based on insurance costs alone. If you're deciding between two cars, get quotes for both before you buy. The difference can be significant enough to factor into the total cost of ownership.

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.