Texas Car Insurance Calculators

Texas full coverage averages $150 per month, 21% above the national average. Your estimate lands above or below that based on these factors:

1. Where you live in Texas moves your rate more than most drivers expect. Houston drivers in some ZIP codes pay $259 per month while Killeen drivers pay $133, a $1,512 gap per year for the same coverage. If your estimate came back higher than the state average and your record is clean, your location is likely the reason.
2. The Texas insurer you choose matters more than any single discount. State Farm leads Texas at $95 per month for full coverage, and the gap between the cheapest and most expensive carrier for the same Texas driver exceeds $200 per month. Your estimate reflects an average, but getting more quotes gives you a better rate.
3. Your age affects your Texas rate, but it goes down with more driving experience. There isn't an action you can take to lower rates based on your range, with exception of picking a lower cost insurer. A 16-year-old in Texas pays an average of $557 per month. A 65-year-old pays $136 per month for the same coverage. Rates fall steadily through your 20s as you build a driving history, with the biggest single drops at 18, 21 and 25.
4. Texas violations raise your rate significantly and stay on your record for years. Violations increase your rates by 10-70% in Texas based on our rates analysis and remain on your record for three to five years.  A single DUI adds an average of 58% to your full coverage premium and triggers an SR-22 filing that must stay active for two years. A speeding ticket raises rates roughly 19%.
5. Texas allows insurers to use your credit score, higher credit score means lower rates. Drivers with poor credit pay well above the calculator average because insures see a low credit score as risk to your future driving record and ability to pay.  See how credit score affects your car insurance rate.

Results of Your Texas Calculator Coverage Needs Explained 
Your calculator recommendation is likely higher than Texas's 30/60/25 state minimum. Texas's minimums are among the lower end of what most drivers actually need, and the calculator accounts for the assets you have to protect and vehicle rather than the legal floor. Here is why the recommendation may be higher than minimums:

• You have assets worth protecting. Texas is an at-fault state. If you cause an accident and damages exceed your policy limits, you pay the difference. The calculator factors in your net worth and sets liability limits that reflect what you actually stand to lose, not just what the state requires. A driver with a home, savings or a business needs more coverage than the 30/60/25 minimum provides after a serious accident in a major Texas metro. See our guide on how much car insurance you need for a full breakdown.
• Your vehicle's value and how you bought it factor into the recommendation. If your car is financed or leased, your lender requires collision and comprehensive regardless of what the state requies. If you own your vehicle outright, the calculator weighs its current market value against the cost of carrying those coverages to determine whether they make financial sense for your situation.
• 14% of Texas drivers has no insurance. If an uninsured driver hits you, uninsured and underinsured motorist coverage pays your bills when the at-fault driver cannot. Texas law requires your insurer to offer this coverage, and declining it requires a signed written rejection form. The calculator includes it because the risk in Texas is real enough that opting out requires a deliberate decision.
• Hail makes the comprehensive decision harder in Texas than in most states. The standard rule is to drop comprehensive on vehicles worth less than $5,000. In North Texas, the Dallas-Fort Worth area and Central Texas, drivers should considering keeping comprehensive even with a low value car.

For all costs and modifications of cost profiles presented, we used the following base profile:

• 40 years old
• Good credit
• Drives a 2012 Toyota Camry
• Clean driving record

MoneyGeek's car insurance calculator uses real rate data gathered from insurer filings by Quadrant Information Services. Full coverage rates include 100/300/100 liability limits with comprehensive and collision coverage and a $1,000 deductible. Minimum coverage rates reflect Texas' required 30/60/25 liability minimums. MoneyGeek updates rates monthly to reflect the most recent available data.

For more information on how MoneyGeek analyzes car insurance costs, see our auto insurance methodology.