Why Is Car Insurance So Expensive in Texas?


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Key Takeaways

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Texas drivers pay 10% more for minimum coverage and 21% more for full coverage auto insurance than the national averages of $726 and $1,493, respectively, based on MoneyGeek's analysis of insurance quotes.

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State-specific factors, such as Texas's large urban population, higher-than-average theft rate and frequent natural disasters, contribute to higher car insurance costs across all demographics.

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Personal factors like your driving record, age and credit score can make Texas car insurance even more expensive.

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Reasons Why Car Insurance Is Expensive for Texas Drivers

Texas drivers pay higher insurance premiums than the national average due to factors that increase crash and claim risks:

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    Higher-than-average highway density

    Texas drivers face higher car insurance premiums due to the state's heavy traffic, dense highways and long roadways. Spending more time on crowded roads increases the likelihood of crashes, making drivers in Texas a higher risk for insurers.

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    High urban population density

    Auto insurance rates in Texas are higher due to the state's large urban population. Urban areas tend to have more accidents, thefts and vandalism, leading to more claims. Insurers charge higher premiums to account for the increased risk.

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    Vehicle theft

    Texas has a high vehicle theft rate. In the fourth quarter of 2024, the state recorded 32,944 motor vehicle thefts. Insurers consider theft rates when setting premiums because they affect the number of comprehensive coverage (which protects against theft, weather damage and vandalism) claims.

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    High speed limits

    Texas has the highest speed limits in the country, reaching 85 mph compared to the national average of 70 mph. Faster driving speeds increase the risk of car crashes, leading insurers to charge higher premiums.

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    Frequent natural disasters

    Natural disasters in Texas, wildfires, hurricanes, winter storms and tornadoes, increase vehicle damage risk and lead to more comprehensive and collision claims, contributing to higher auto insurance costs.

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    Uninsured drivers

    Around 20% of Texas drivers are uninsured, adding to the financial burden for insured drivers; insurance companies account for the higher likelihood of accidents involving uninsured motorists who can't pay for the damages they cause. When uninsured drivers cause accidents, the costs often fall on the insurance policies of responsible drivers through uninsured motorist coverage claims, driving up premiums for everyone.

Factors That Affect Texas Car Insurance Rates

Car insurance rates in Texas depend on state-specific factors you can't control and personal factors you can influence. Beyond the statewide issues discussed earlier, individual factors also determine your costs.

1. Specific Texas Locations and ZIP Codes

Auto insurance rates in Texas differ based on location. Where you live within the state impacts your premiums due to varying local risk factors such as crime rates, traffic density, and weather exposure. Find your city and ZIP code in the table and see the average car insurance cost in your area.

Data filtered by:Results filtered by:
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City:
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Zip Code:
Abbott76621$54$124
Abernathy79311$57$132
Abilene79601$56$130
Abilene79602$55$127
Abilene79603$69$157
Abilene79605$57$131
Abilene79606$69$156
Abilene79607$56$129
Abilene79697$62$144
Abilene79698$57$132
Abilene79699$57$133
Ace77326$64$148
Ackerly79713$54$124
Addison75001$75$173
Adkins78101$64$148
Adrian79001$56$127
Afton79220$53$120
Agua Dulce78330$65$149
Aiken79221$52$119
Alamo78516$77$179
Alanreed79002$56$128
Alba75410$60$139
Albany76430$51$118
Albert78671$59$135
Aledo76008$62$144
Alice78332$67$155
Alief77411$80$184
Allen75002$96$192
Allen75013$100$198
Alleyton78935$55$127
Allison79003$53$122
Alpine79830$49$111
Alpine79832$51$117
Altair77412$59$136
Alto75925$74$165
Alvarado76009$63$145
Alvin77511$68$158
Alvord76225$58$133
Amarillo79101$66$153
Amarillo79102$67$154
Amarillo79103$67$154
Amarillo79104$87$198
Amarillo79106$66$152
Amarillo79107$87$198
Amarillo79108$66$152
Amarillo79109$66$153
Amarillo79110$66$153
Amarillo79111$66$152
Amarillo79118$63$147
Amarillo79119$63$145
Amarillo79121$64$148
Amarillo79124$65$149
Amarillo79178$70$161
Amherst79312$55$127
Anahuac77514$66$152
Anderson77830$59$135
Andrews79714$53$121
Angleton77515$63$146
Anna75409$66$153
Annona75550$58$134
Anson79501$52$121
Anthony79821$61$140
Anton79313$57$131
Apple Springs75926$60$137
Aquilla76622$55$126
Aransas Pass78336$59$137
Archer City76351$54$124
Argyle76226$91$185
Arlington76001$101$203
Arlington76002$74$173
Arlington76005$70$164
Arlington76006$70$163
Arlington76010$77$181
Arlington76011$73$170
Arlington76012$68$158
Arlington76013$70$163
Arlington76014$75$177
Arlington76015$104$210
Arlington76016$94$192
Arlington76017$69$160
Arlington76018$74$172
Arlington76019$72$167
Armstrong78338$63$144
Arp75750$63$146
Art76820$56$128
Artesia Wells78001$59$136
Arthur City75411$58$133
Asherton78827$57$132
Aspermont79502$52$119
Atascocita77346$77$179
Atascosa78002$70$161
Athens75751$59$136
Athens75752$59$136
Atlanta75551$61$140
Aubrey76227$94$192
Austin78617$70$162
Austin78701$65$151
Austin78702$101$202
Austin78703$63$147
Austin78704$65$152
Austin78705$65$152
Austin78710$77$174
Austin78712$64$151
Austin78717$93$185
Austin78719$68$157
Austin78721$68$159
Austin78722$66$154
Austin78723$69$161
Austin78724$69$162
Austin78725$69$161
Austin78726$66$152
Austin78727$65$150
Austin78730$64$147
Austin78731$64$147
Austin78732$64$149
Austin78733$64$149
Austin78735$64$149
Austin78736$64$147
Austin78737$62$144
Austin78739$63$146
Austin78741$72$170
Austin78742$68$156
Austin78744$71$165
Austin78745$66$154
Austin78746$64$148
Austin78747$98$197
Austin78748$67$157
Austin78749$65$150
Austin78750$65$150
Austin78751$65$151
Austin78752$68$160
Austin78753$70$164
Austin78754$67$157
Austin78756$65$150
Austin78757$63$147
Austin78758$67$157
Austin78759$63$147
Austin78799$80$186
Austwell77950$57$132
Avalon76623$64$146
Avery75554$58$133
Avinger75630$60$139
Avoca79503$52$120
Axtell76624$56$130
Azle76020$62$142
Bacliff77518$70$164
Bagwell75412$57$131
Bailey75413$58$133
Baird79504$51$117
Balch Springs75180$80$186
Ballinger76821$52$118
Balmorhea79718$52$120
Bandera78003$61$140
Bangs76823$53$122
Bardwell75101$65$151
Barker77413$74$170
Barksdale78828$57$131
Barnhart76930$52$120
Barry75102$55$127
Barstow79719$52$120
Bartlett76511$59$134
Bastrop78602$62$143
Batesville78829$58$132
Batson77519$67$154
Bay City77414$61$140
Bayside78340$58$134
Baytown77520$74$172
Baytown77521$74$172
Baytown77523$70$163
Beasley77417$65$149
Beaumont77701$109$217
Beaumont77702$72$168
Beaumont77703$75$175
Beaumont77705$73$169
Beaumont77706$72$166
Beaumont77707$73$169
Beaumont77708$109$215
Beaumont77713$71$165
Bebe78614$57$131
Beckville75631$62$143
Bedford76021$64$149
Bedford76022$66$154
Bedias77831$61$141
Bee House76525$55$126
Beeville78102$58$134
Bellaire77401$77$180
Bellevue76228$53$122
Bellmead76705$58$134
Bells75414$57$131
Bellville77418$58$134
Belmont78604$59$136
Belton76513$56$131
Ben Arnold76519$56$128
Benavides78341$59$136
Ben Bolt78342$65$151
Benbrook76126$64$148
Bend76824$57$131
Ben Franklin75415$57$132
Benjamin79505$53$122
Ben Wheeler75754$62$143
Berclair78107$60$138
Bergheim78004$60$139
Bertram78605$61$139
Big Bend National Park79834$50$115
Bigfoot78005$58$134
Biggs Field79918$63$145
Big Lake76932$54$124
Big Sandy75755$63$145
Big Spring79720$55$127
Big Wells78830$57$131
Birome76673$54$125
Bishop78343$61$141
Bivins75555$61$140
Blackwell79506$53$121
Blanco78606$61$141
Blanket76432$53$123
Bledsoe79314$53$122
Bleiblerville78931$59$135
Blessing77419$58$135
Bloomburg75556$61$141
Blooming Grove76626$58$132
Bloomington77951$57$132
Blossom75416$58$134
Bluegrove76352$54$124
Blue Ridge75424$65$151
Bluff Dale76433$57$130
Bluffton78607$58$133
Blum76627$56$128
Boerne78006$60$139
Bogata75417$58$133
Boling77420$64$146
Bolivar Peninsula77623$69$158
Bolivar Peninsula77650$65$150
Bonham75418$61$140
Bon Wier75928$66$151
Booker79005$52$118
Borger79007$55$127
Bovina79009$54$123
Bowie76230$54$123
Boyd76023$59$137
Boys Ranch79010$60$138
Brady76825$54$125
Brandon76628$55$127
Brashear75420$56$129
Brazoria77422$62$143
Breckenridge76424$54$125
Bremond76629$56$129
Brenham77833$57$132
Bridge City77611$73$170
Bridgeport76426$59$135
Briggs78608$58$133
Briscoe79011$52$120
Broaddus75929$61$140
Bronson75930$61$140
Bronte76933$54$123
Brookesmith76827$53$122
Brookshire77423$67$154
Brookston75421$58$133
Brownfield79316$54$124
Brownsboro75756$62$143
Brownsville78520$71$164
Brownsville78521$102$206
Brownsville78526$71$164
Brownsville78575$68$157
Brownwood76801$54$123
Bruceville76630$56$128
Bruni78344$61$141
Bryan77801$62$144
Bryan77802$58$135
Bryan77803$60$139
Bryan77807$58$135
Bryan77808$58$133
Bryson76427$55$126
Buchanan Dam78609$59$135
Buchanan Lake Village78672$59$136
Buckholts76518$58$133
Buda78610$63$147
Buffalo75831$58$133
Buffalo Gap79508$53$123
Bullard75757$65$150
Bulverde78163$63$146
Buna77612$65$149
Burkburnett76354$52$119
Burkett76828$52$118
Burkeville75932$62$142
Burleson76028$87$178
Burnet78611$60$139
Burton77835$56$130
Bushland79012$64$146
Byers76357$52$119
Bynum76631$55$127
Cactus79013$56$130
Caddo76429$55$126
Caddo Mills75135$64$147
Caldwell77836$57$130
Call75933$66$151
Calliham78007$58$134
Calvert77837$59$135
Camden75934$62$143
Cameron76520$57$132
Campbell75422$58$133
Campbellton78008$57$131
Camp Wood78833$54$124
Canadian79014$52$119
Canton75103$60$138
Canutillo79835$63$146
Canyon79015$61$140
Canyon79016$62$143
Canyon Lake78133$64$148
Carbon76435$53$121
Carlsbad76934$54$122
Carlton76436$54$125
Carmine78932$56$129
Carrizo Springs78834$62$143
Carrollton75006$105$211
Carrollton75007$71$165
Carrollton75010$101$204
Carthage75633$63$144
Cason75636$62$142
Castell76831$57$131
Castroville78009$65$151
Catarina78836$60$138
Cat Spring78933$57$131
Cayuga75832$59$136
Cedar Hill75104$76$177
Cedar Lane77415$64$149
Cedar Park78613$64$148
Cee Vee79223$53$122
Celeste75423$62$143
Celina75009$66$153
Center75935$61$140
Center Point78010$58$133
Centerville75833$60$137
Centralia75834$62$143
Chandler75758$65$150
Channelview77530$77$179
Channing79018$54$123
Chapman Ranch78347$65$150
Chappell Hill77426$58$133
Charlotte78011$58$134
Chatfield75105$58$132
Cherokee76832$56$127
Chester75936$62$142
Chico76431$57$132
Chicota75425$59$137
Childress79201$52$120
Chillicothe79225$52$120
Chilton76632$54$125
China77613$74$172
China Spring76633$58$133
Chireno75937$62$141
Chriesman77838$58$133
Christine78012$60$138
Christoval76935$52$120
Cibolo78108$64$148
Cisco76437$53$120
Clarendon79226$54$123
Clarksville75426$57$131
Claude79019$58$133
Clayton75637$66$152
Cleburne76031$58$135
Cleburne76033$59$135
Cleveland77327$70$161
Cleveland77328$69$159
Clifton76634$54$123
Clint79836$62$144
Clute77531$63$145
Clyde79510$52$120
Coahoma79511$52$120
Coldspring77331$63$145
Coleman76834$52$119
Collegeport77428$63$146
College Station77840$86$175
College Station77843$60$140
College Station77845$81$165
Colleyville76034$63$146
Collinsville76233$59$135
Colmesneil75938$61$139
Colorado City79512$52$118
Columbus78934$58$133
Comanche76442$52$119
Combes78535$73$168
Comfort78013$57$131
Commerce75428$59$137
Como75431$57$132
Comstock78837$54$125
Concan78838$58$133
Concepcion78349$61$141
Concord77850$60$138
Conroe77301$67$157
Conroe77302$69$159
Conroe77303$68$157
Conroe77304$66$152
Conroe77306$71$165
Conroe77384$66$153
Conroe77385$67$156
Converse78109$71$166
Cookville75558$60$137
Coolidge76635$56$128
Cooper75432$57$131
Copeville75121$66$153
Coppell75019$71$163
Copperas Cove76522$57$133
Corinth76210$64$149
Corpus Christi78401$71$166
Corpus Christi78402$67$155
Corpus Christi78404$70$164
Corpus Christi78405$105$209
Corpus Christi78406$66$154
Corpus Christi78407$70$162
Corpus Christi78408$71$165
Corpus Christi78409$65$150
Corpus Christi78410$66$154
Corpus Christi78411$70$162
Corpus Christi78412$67$157
Corpus Christi78413$70$162
Corpus Christi78414$69$161
Corpus Christi78415$69$162
Corpus Christi78416$73$170
Corpus Christi78417$70$163
Corpus Christi78418$93$185
Corpus Christi78419$66$153
Corrigan75939$60$138
Corsicana75109$58$133
Corsicana75110$56$130
Cotton Center79021$56$128
Cotulla78014$58$133
Coupland78615$61$139
Covington76636$55$125
Coyanosa79730$52$121
Crandall75114$67$155
Crane79731$55$128
Cranfills Gap76637$53$121
Crawford76638$56$129
Cresson76035$59$135
Crockett75835$58$134
Crosby77532$77$177
Crosbyton79322$54$123
Cross Plains76443$53$121
Crowell79227$51$117
Crowley76036$64$148
Crystal City78839$59$136
Cuero77954$56$128
Cumby75433$57$131
Cuney75759$65$150
Cunningham75434$58$132
Cushing75760$62$142
Cypress77429$74$172
Cypress77433$76$176
Cypress Mill78663$61$140
Daingerfield75638$60$138
Daisetta77533$72$164
Dale78616$64$147
Dalhart79022$54$124
Dallardsville77332$64$148
Dallas75201$78$183
Dallas75202$81$189
Dallas75203$85$198
Dallas75204$77$179
Dallas75206$75$174
Dallas75207$84$194
Dallas75208$82$190
Dallas75209$77$178
Dallas75210$86$200
Dallas75211$82$192
Dallas75212$82$191
Dallas75214$77$179
Dallas75215$83$193
Dallas75216$121$252
Dallas75217$85$197
Dallas75218$79$182
Dallas75219$80$187
Dallas75220$77$180
Dallas75223$85$197
Dallas75224$87$202
Dallas75225$110$220
Dallas75226$81$188
Dallas75227$84$196
Dallas75228$84$196
Dallas75229$77$178
Dallas75230$110$222
Dallas75231$84$196
Dallas75232$86$199
Dallas75233$86$200
Dallas75235$109$226
Dallas75236$112$229
Dallas75237$85$198
Dallas75238$79$184
Dallas75240$80$187
Dallas75241$86$200
Dallas75242$90$208
Dallas75243$82$192
Dallas75244$76$177
Dallas75246$81$189
Dallas75247$79$181
Dallas75248$74$171
Dallas75249$116$232
Dallas75251$79$185
Dallas75252$104$209
Dallas75253$80$186
Dallas75254$79$183
Dallas75260$87$200
Dallas75270$84$196
Dallas75275$80$186
Dallas75287$72$169
Dallas75342$90$210
Dallas75398$87$203
Damon77430$67$154
Danbury77534$64$147
Danciger77431$68$157
Danevang77432$58$135
Darrouzett79024$52$120
Dawn79025$56$130
Dawson76639$57$131
Dayton77535$70$162
Deanville77852$58$134
De Berry75639$64$146
Decatur76234$60$139
Deer Park77536$70$162
De Kalb75559$58$133
De Leon76444$53$121
Dell City79837$54$124
Dell City79847$51$118
Delmita78536$69$157
Del Rio78840$54$124
Del Rio78843$54$125
Denison75020$60$138
Denison75021$60$137
Dennis76439$57$131
Denton76201$62$145
Denton76205$63$146
Denton76207$63$146
Denton76208$64$149
Denton76209$64$149
Denver City79323$53$121
Deport75435$56$130
Desdemona76445$55$125
DeSoto75115$78$182
Detroit75436$57$130
Devers77538$69$158
Devine78016$62$143
D Hanis78850$59$135
Diana75640$65$150
Diboll75941$63$145
Dickens79229$53$122
Dickinson77539$70$164
Dike75437$57$130
Dilley78017$57$130
Dime Box77853$57$131
Dimmitt79027$55$126
Dinero78350$70$161
Dobbin77333$68$155
Dodd City75438$59$136
Dodge77334$64$147
Dodson79230$54$123
Donie75838$55$127
Donna78537$76$175
Doole76836$54$123
Doss78618$60$136
Doucette75942$69$159
Dougherty79231$52$120
Douglass75943$61$139
Douglassville75560$61$139
Driftwood78619$62$144
Dripping Springs78620$63$144
Driscoll78351$64$148
Dryden78851$54$123
Dublin76446$54$124
Dumas79029$55$126
Duncanville75116$77$179
Duncanville75137$77$180
Dunn79516$52$120
Eagle Lake77434$59$137
Eagle Pass78852$76$178
Early76802$55$126
Earth79031$55$126
East Bernard77435$60$139
Eastland76448$54$124
Easton75641$66$152
Ecleto78111$57$133
Ector75439$59$135
Edcouch78538$77$178
Eddy76524$55$126
Eden76837$52$119
Edgewood75117$63$145
Edinburg78539$79$184
Edinburg78541$80$184
Edinburg78542$81$187
Edmonson79032$56$128
Edna77957$56$129
Edroy78352$61$142
Egypt77436$62$142
El Campo77437$56$128
Eldorado76936$53$120
Electra76360$53$120
Elgin78621$63$145
Eliasville76481$54$123
El Indio78860$72$168
Elkhart75839$60$139
Ellinger78938$55$127
Elmaton77440$58$134
Elmendorf78112$70$161
Elm Mott76640$57$131
Elmo75161$69$157
El Paso79901$63$146
El Paso79902$63$145
El Paso79903$63$146
El Paso79904$86$182
El Paso79905$63$147
El Paso79907$64$150
El Paso79910$74$172
El Paso79911$61$142
El Paso79912$61$142
El Paso79915$64$148
El Paso79922$86$179
El Paso79924$64$149
El Paso79925$87$182
El Paso79928$65$152
El Paso79930$64$148
El Paso79932$62$144
El Paso79934$63$145
El Paso79935$63$147
El Paso79936$65$151
El Paso79938$67$155
El Paso79968$63$146
Elsa78543$77$177
Elysian Fields75642$65$151
Emory75440$57$132
Encinal78019$56$130
Encino78353$64$146
Energy76452$55$127
Enloe75441$57$131
Ennis75119$62$144
Enochs79324$56$128
Eola76937$53$121
Era76238$57$131
Etoile75944$63$144
Euless76039$66$154
Euless76040$69$160
Eustace75124$60$138
Fabens79838$61$142
Fairfield75840$55$127
Fair Oaks Ranch78015$64$148
Falcon Heights78545$74$169
Falfurrias78355$61$140
Falls City78113$56$130
Fannin77960$59$135
Farmers Branch75234$73$169
Farmersville75442$67$155
Farnsworth79033$52$119
Farwell79325$54$123
Fayetteville78940$56$130
Fentress78622$61$142
Ferris75125$67$155
Fieldton79326$55$126
Fischer78623$63$145
Flatonia78941$56$128
Flint75762$68$157
Flomot79234$54$123
Florence76527$59$135
Floresville78114$60$139
Flower Mound75022$63$146
Flower Mound75028$63$146
Floydada79235$53$122
Fluvanna79517$54$123
Flynn77855$60$139
Follett79034$52$119
Forestburg76239$56$128
Forney75126$70$164
Forreston76041$62$143
Forsan79733$55$126
Fort Bliss79906$61$142
Fort Bliss79908$62$143
Fort Bliss79916$65$149
Fort Clark Springs78832$54$125
Fort Davis79734$48$111
Fort Hancock79839$55$126
Fort Hood76544$58$137
Fort Mc Kavett76841$54$123
Fort Stockton79735$51$118
Fort Worth76052$64$149
Fort Worth76102$70$161
Fort Worth76103$72$166
Fort Worth76104$72$168
Fort Worth76105$73$170
Fort Worth76106$99$203
Fort Worth76107$65$152
Fort Worth76108$64$149
Fort Worth76109$66$154
Fort Worth76110$69$160
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Fort Worth76112$71$164
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Pflugerville78660$66$153
Pharr78577$77$179
Pickton75471$58$135
Pierce77467$59$138
Pilot Point76258$62$143
Pinehurst77362$69$160
Pineland75968$61$140
Pinewood Estates77659$68$156
Pittsburg75686$60$139
Placedo77977$60$138
Plains79355$53$121
Plainview79072$57$130
Plano75023$72$167
Plano75024$100$199
Plano75025$69$161
Plano75074$72$168
Plano75075$71$166
Plano75093$104$206
Plantersville77363$63$146
Pleasanton78064$63$145
Pledger77468$61$139
Plum78952$57$132
Point75472$61$141
Pointblank77364$64$148
Point Comfort77978$61$139
Pollok75969$62$143
Ponder76259$60$139
Pontotoc76869$57$131
Poolville76487$58$133
Port Aransas78373$88$176
Port Arthur77640$73$169
Port Arthur77642$74$172
Porter77365$71$165
Port Isabel78578$68$155
Portland78374$61$141
Port Lavaca77979$59$137
Port Mansfield78598$63$146
Port Neches77651$69$161
Port O'Connor77982$59$136
Post79356$55$127
Poteet78065$62$143
Poth78147$59$135
Pottsboro75076$58$134
Pottsville76565$55$125
Powderly75473$57$130
Powell75153$56$128
Poynor75782$62$142
Prairie Hill76678$57$131
Prairie Lea78661$61$141
Prairie View77446$68$156
Premont78375$62$143
Presidio79845$49$112
Price75687$63$145
Priddy76870$54$125
Princeton75407$66$153
Proctor76468$54$125
Progreso78579$77$178
Prosper75078$69$160
Purdon76679$55$127
Purmela76566$55$126
Putnam76469$53$121
Pyote79777$53$121
Quail79251$53$121
Quanah79252$54$123
Queen City75572$62$142
Quemado78877$64$148
Quinlan75474$65$150
Quitaque79255$54$123
Quitman75783$59$138
Rainbow76077$56$130
Ralls79357$54$125
Randolph75475$61$140
Ranger76470$54$124
Rankin79778$52$119
Ransom Canyon79366$64$147
Ratcliff75858$61$141
Ravenna75476$58$132
Raymondville78580$68$156
Raywood77582$73$171
Reagan76680$54$125
Realitos78376$60$138
Redford79846$51$116
Red Oak75154$70$162
Red Rock78662$61$141
Redwater75573$64$148
Refugio78377$58$132
Reklaw75784$60$138
Rhome76078$62$142
Rice75155$59$136
Richards77873$61$140
Richardson75080$104$209
Richardson75081$112$224
Richardson75082$73$170
Richland76681$56$129
Richland Springs76871$55$126
Richmond77407$75$176
Richmond77469$71$165
Riesel76682$55$127
Ringgold76261$52$120
Rio Frio78879$58$132
Rio Grande City78582$71$165
Rio Hondo78583$67$153
Rio Medina78066$63$146
Rio Vista76093$59$135
Rising Star76471$53$121
Riviera78379$57$132
Roanoke76262$62$144
Roans Prairie77875$61$141
Roaring Springs79256$54$123
Robert Lee76945$55$126
Robstown78380$66$153
Roby79543$53$121
Rochelle76872$54$124
Rochester79544$53$120
Rockdale76567$57$131
Rock Island77470$58$134
Rockport78382$60$138
Rocksprings78880$57$130
Rockwall75032$71$165
Rockwall75087$70$163
Rockwood76873$52$119
Rogers76569$55$127
Roma78584$69$159
Romayor77368$72$166
Roosevelt76874$53$122
Ropesville79358$58$132
Rosanky78953$60$139
Roscoe79545$53$121
Rosebud76570$55$127
Rosenberg77471$69$160
Rosharon77583$71$164
Ross76684$58$133
Rosser75157$64$147
Rosston76263$57$130
Rotan79546$53$121
Round Rock78664$64$149
Round Rock78665$93$184
Round Rock78681$93$185
Round Top78954$57$132
Rowena76875$51$118
Rowlett75088$76$176
Rowlett75089$78$180
Roxton75477$58$134
Royse City75189$69$159
Rule79547$52$119
Rule79548$51$118
Runge78151$56$128
Rusk75785$60$138
Rye77369$71$163
Sabinal78881$58$133
Sabine Pass77655$74$171
Sachse75048$74$171
Sacul75788$64$148
Sadler76264$58$133
Saint Hedwig78152$67$155
Salado76571$56$130
Salineno78585$74$170
Saltillo75478$56$129
Sam Norwood79077$55$127
Sam Rayburn75931$60$139
San Angelo76901$53$122
San Angelo76903$69$158
San Angelo76904$52$120
San Angelo76905$64$150
San Angelo76908$54$124
San Angelo76909$54$125
San Antonio78201$76$178
San Antonio78202$78$181
San Antonio78203$107$217
San Antonio78204$73$171
San Antonio78205$71$165
San Antonio78206$80$183
San Antonio78207$78$181
San Antonio78208$78$181
San Antonio78209$72$167
San Antonio78210$73$172
San Antonio78211$76$176
San Antonio78212$75$174
San Antonio78213$75$174
San Antonio78214$104$212
San Antonio78215$73$170
San Antonio78216$73$169
San Antonio78217$73$169
San Antonio78218$73$170
San Antonio78220$72$168
San Antonio78221$72$168
San Antonio78222$72$168
San Antonio78223$73$170
San Antonio78224$74$171
San Antonio78225$75$174
San Antonio78226$75$174
San Antonio78227$77$180
San Antonio78228$77$180
San Antonio78229$77$180
San Antonio78230$72$169
San Antonio78231$72$167
San Antonio78232$69$161
San Antonio78233$71$167
San Antonio78235$72$166
San Antonio78237$79$183
San Antonio78238$79$183
San Antonio78239$72$169
San Antonio78240$76$177
San Antonio78241$76$178
San Antonio78242$76$177
San Antonio78243$75$175
San Antonio78244$74$174
San Antonio78245$111$222
San Antonio78247$72$167
San Antonio78248$69$161
San Antonio78249$73$171
San Antonio78250$76$178
San Antonio78251$111$221
San Antonio78252$74$171
San Antonio78253$74$171
San Antonio78254$74$172
San Antonio78255$103$206
San Antonio78256$72$167
San Antonio78257$68$157
San Antonio78258$102$203
San Antonio78259$69$160
San Antonio78260$69$160
San Antonio78261$70$162
San Antonio78263$69$159
San Antonio78264$71$164
San Antonio78266$66$153
San Antonio78284$82$190
San Antonio78285$82$190
San Augustine75972$61$140
San Benito78586$98$197
Sanderson79848$53$122
Sandia78383$60$139
San Diego78384$60$140
San Elizario79849$65$152
San Felipe77473$62$142
Sanford79078$55$127
Sanger76266$61$139
San Isidro78588$67$153
San Juan78589$77$179
San Marcos78666$65$150
San Saba76877$56$129
Santa Anna76878$52$120
Santa Elena78591$69$159
Santa Fe77510$68$158
Santa Fe77517$69$159
Santa Maria78592$72$167
Santa Rosa78593$69$158
Santo76472$56$129
San Ygnacio78067$61$141
Saragosa79780$53$121
Saratoga77585$67$154
Sarita78385$61$140
Satin76685$55$127
Savoy75479$56$130
Schertz78154$64$148
Schulenburg78956$55$128
Schwertner76573$61$141
Scotland76379$54$124
Scottsville75688$66$153
Scroggins75480$59$136
Scurry75158$64$146
Seabrook77586$72$167
Seadrift77983$60$138
Seagoville75159$74$171
Seagraves79359$52$120
Sealy77474$60$139
Sebastian78594$64$147
Seguin78155$59$137
Selman City75689$64$148
Seminole79360$54$123
Seymour76380$53$120
Shallowater79363$61$140
Shamrock79079$53$122
Sheffield79781$53$122
Shelbyville75973$62$142
Shepherd77371$68$156
Sheridan77475$58$133
Sherman75090$60$138
Sherman75092$59$135
Sherwood Shores76245$59$135
Shiner77984$55$126
Shiro77876$62$142
Sidney76474$53$120
Sierra Blanca79851$53$122
Silsbee77656$70$161
Silver76949$55$125
Silverton79257$54$124
Simms75574$59$135
Simonton77476$68$158
Sinton78387$60$139
Skellytown79080$55$125
Skidmore78389$59$135
Slaton79364$61$142
Slidell76267$62$144
Smiley78159$57$130
Smithville78957$59$137
Smyer79367$58$133
Snook77878$59$136
Snyder79549$51$117
Socorro79927$63$147
Somerset78069$67$155
Somerville77879$57$131
Sonora76950$51$117
South Houston77587$82$192
Southlake76092$64$147
Southmayd76268$61$142
South Padre Island78597$66$152
South Plains79258$52$120
Spade79369$55$126
Spearman79081$54$122
Spicewood78669$62$142
Splendora77372$69$159
Spring77373$79$185
Spring77379$76$177
Spring77386$68$159
Spring77388$76$178
Spring77389$109$213
Spring Branch78070$65$149
Springlake79082$54$123
Springtown76082$64$146
Spur79370$54$124
Spurger77660$62$143
Stafford77477$78$182
Stamford79553$53$122
Stanton79782$55$127
Staples78670$59$137
Star76880$55$127
Stephenville76401$55$126
Stephenville76402$56$129
Sterling City76951$53$121
Stinnett79083$54$124
St. Jo76265$54$123
Stockdale78160$59$135
Stowell77661$70$163
Stratford79084$54$125
Strawn76475$55$125
Streetman75859$55$126
Sublime77986$59$135
Sudan79371$56$129
Sugar Land77478$107$211
Sugar Land77479$104$205
Sugar Land77498$76$179
Sullivan City78595$75$174
Sulphur Bluff75481$55$128
Sulphur Springs75482$56$129
Summerfield79085$57$130
Sumner75486$57$132
Sundown79372$57$132
Sunnyvale75182$74$171
Sunray79086$55$126
Sunset76270$57$131
Sutherland Springs78161$58$134
Sweeny77480$63$144
Sweet Home77987$58$134
Sweetwater79556$53$121
Sylvester79560$52$120
Taft78390$60$137
Tahoka79373$56$129
Talco75487$58$133
Talpa76882$53$122
Tarpley78883$60$137
Tarzan79783$56$129
Tatum75691$65$150
Taylor76574$61$141
Teague75860$54$125
Tehuacana76686$58$133
Telegraph76883$55$126
Telephone75488$58$132
Telferner77988$59$135
Tell79259$53$121
Temple76501$55$128
Temple76502$54$126
Temple76504$56$131
Tenaha75974$61$140
Tennessee Colony75861$58$133
Tennyson76953$54$123
Terlingua79852$49$113
Terrell75160$69$159
Texarkana75501$62$144
Texarkana75503$63$145
Texarkana75599$67$156
Texas City77590$69$161
Texas City77591$70$163
Texhoma73960$81$191
Texline79087$55$125
The Colony75056$68$158
The Hills78738$64$149
The Woodlands77380$66$155
The Woodlands77381$65$151
The Woodlands77382$64$149
Thicket77374$69$159
Thomaston77989$59$135
Thompsons77481$73$170
Thorndale76577$58$133
Thornton76687$55$127
Thrall76578$62$141
Three Rivers78071$57$131
Throckmorton76483$53$121
Tilden78072$59$136
Timpson75975$61$140
Tioga76271$57$131
Tivoli77990$56$129
Tokio79376$53$122
Tolar76476$58$133
Tomball77375$108$211
Tomball77377$72$167
Tom Bean75489$59$135
Tornillo79853$60$140
Toyah79785$53$121
Toyahvale79786$53$121
Trent79561$52$120
Trenton75490$61$141
Trinidad75163$59$136
Trinity75862$61$142
Troup75789$62$143
Troy76579$54$124
Tuleta78162$59$136
Tulia79088$55$127
Turkey79261$53$121
Tuscola79562$55$126
Tye79563$54$124
Tyler75701$67$154
Tyler75702$67$157
Tyler75703$66$154
Tyler75704$66$151
Tyler75705$66$151
Tyler75706$66$152
Tyler75707$90$183
Tyler75708$66$153
Tyler75709$96$194
Tyler75798$70$161
Tyler75799$67$154
Tynan78391$59$136
Umbarger79091$63$144
Universal City78148$67$156
University Park75205$76$177
Utopia78884$60$137
Uvalde78801$56$130
Valentine79854$49$113
Valera76884$52$120
Valley Mills76689$57$130
Valley Spring76885$57$131
Valley View76272$58$133
Van75790$62$144
Van Alstyne75495$61$142
Vancourt76955$52$118
Vanderpool78885$60$136
Van Horn79855$50$114
Van Vleck77482$62$142
Vega79092$58$132
Venus76084$62$144
Veribest76886$52$120
Vernon76384$51$117
Victoria77901$60$138
Victoria77904$58$133
Victoria77905$57$130
Vidor77662$70$162
Village Mills77663$68$156
Voca76887$56$128
Von Ormy78073$72$165
Votaw77376$69$159
Waco76701$59$137
Waco76704$61$142
Waco76706$81$168
Waco76707$61$142
Waco76708$80$167
Waco76710$59$136
Waco76711$57$133
Waco76712$56$131
Waco76798$59$137
Wadsworth77483$64$148
Waelder78959$59$134
Waka79093$52$119
Walburg78673$61$140
Wall76957$54$124
Waller77484$68$156
Wallis77485$61$142
Wallisville77597$68$157
Walnut Springs76690$54$124
Warda78960$56$130
Waring78074$61$141
Warren77664$64$147
Warrenton78961$58$135
Washington77880$59$136
Waskom75692$64$146
Watauga76148$66$154
Water Valley76958$53$121
Waxahachie75165$65$150
Waxahachie75167$62$144
Wayside79094$58$133
Weatherford76085$61$140
Weatherford76086$61$141
Weatherford76087$60$138
Weatherford76088$59$135
Webster77598$106$211
Weesatche77993$58$134
Weimar78962$56$130
Weinert76388$51$117
Weir78674$61$139
Welch79377$54$125
Wellborn77881$58$134
Wellington79095$54$123
Wellman79378$53$122
Wells75976$61$141
Wells Branch78728$65$151
Weslaco78596$75$173
Weslaco78599$76$177
West76691$56$130
Westbrook79565$51$117
West Columbia77486$64$148
Westhoff77994$56$129
Weston75097$67$155
Weston Lakes77441$67$156
West Point78963$57$133
West University Place77005$76$176
Wharton77488$61$141
Wheeler79096$54$123
Wheelock77882$59$136
White Deer79097$55$127
Whiteface79379$55$125
Whitehouse75791$67$155
White Oak75693$64$149
Whitesboro76273$59$135
Whitewright75491$60$137
Whitharral79380$58$134
Whitney76692$54$125
Whitsett78075$57$131
Whitt76490$59$136
Wichita Falls76301$70$153
Wichita Falls76302$53$123
Wichita Falls76305$52$118
Wichita Falls76306$70$152
Wichita Falls76308$54$126
Wichita Falls76309$55$126
Wichita Falls76310$53$122
Wichita Falls76311$54$125
Wickett79788$53$122
Wiergate75977$62$142
Wildorado79098$57$130
Willis77318$67$155
Willis77378$67$155
Willow City78675$58$133
Wills Point75169$63$146
Wilmer75172$76$177
Wilson79381$58$134
Wimberley78676$63$145
Windom75492$59$135
Windthorst76389$55$126
Wingate79566$51$116
Wink79789$53$121
Winnie77665$69$160
Winnsboro75494$58$134
Winona75792$64$147
Winters79567$51$117
Woden75978$65$149
Wolfe City75496$57$132
Wolfforth79382$61$142
Woodlake75865$63$146
Woodlawn75694$67$156
Woodsboro78393$59$135
Woodson76491$53$121
Woodville75979$62$142
Wortham76693$56$129
Wrightsboro78677$57$132
Wyldwood78612$67$154
Wylie75098$72$167
Yancey78886$61$141
Yantis75497$59$136
Yoakum77995$55$128
Yorktown78164$56$129
Zapata78076$60$138
Zavalla75980$63$144
Zephyr76890$54$124

2. Car Insurance Companies in Texas

To find affordable car insurance in Texas, compare quotes from multiple providers because rates vary by company. Prioritize affordability and excellent customer service to secure the best option. Compares rates from different insurers in Texas in this table:

Data filtered by:Results filtered by:
Select
Coverage:State Minimum Liability Only
State Farm$41$489
Geico$55$662
Mercury Insurance$56$667
AAA$60$723
Germania Insurance$66$797
Farmers$67$806
Dairyland$78$938
Allstate$86$1,028
Progressive$87$1,045
Chubb$91$1,089

3. Driver Age

Car insurance rates in Texas change based on your age. Young drivers pay more because insurers see them as high risk due to inexperience and higher accident rates. The table shows how rates vary by age:

Data filtered by:Results filtered by:
Select
Coverage:State Minimum Liability Only
Adult Drivers$68$814
Senior Drivers$88$1,058
Young Drivers$159$1,903

4. Driving Record and Texas Motor Vehicle Law

Your driving record affects car insurance costs in Texas. Violations like DUIs or DWIs or at-fault accidents can raise your rates because insurers view drivers with violations as high risk. Compare average Texas car insurance rates for different violations.

Drivers With A Speeding Ticket$78$177
Drivers With An Accident$94$208
Drivers With A DUI$105$223

5. Credit Score

Drivers in Texas with good credit scores often pay less for auto insurance because insurers consider them lower risk based on statistical correlations between credit responsibility and claims frequency. Check out average annual rates in Texas by credit score in the following table:

Data filtered by:Results filtered by:
Select
Coverage:State Minimum Liability Only
Poor$154$1,852
Below Fair$110$1,319
None$95$1,141
Fair$87$1,040
Good$68$814
Excellent$55$656

6. Vehicle Make and Model

Your car’s make and model can greatly influence insurance costs. High-value vehicles have higher premiums due to increased repair or replacement expenses. Sports cars often cost more to insure because they’re at higher risk for accidents and theft. Older cars, with depreciated value, are often cheaper to insure than newer models.

Calculating Texas Car Insurance Estimates

Companies calculate car insurance premiums differently using various factors and algorithms. To find the best car insurance companies and most affordable options, compare quotes from multiple providers. Use MoneyGeek's calculator to get accurate estimates based on your profile.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

$155
High
$114
Average
$64
Low

Rates updated:

Sep 02, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
92
/of 100
$64
2
GEICO

GEICO

74
/of 100
$94
3
Nationwide

Nationwide

88
/of 100
$104
4
67
/of 100
$127
5
Foremost

Foremost

70
/of 100
$138
6
Progressive

Progressive

71
/of 100
$155
Your Next Step:

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How to Find Cheap Car Insurance in Texas

Car insurance is more expensive in Texas, especially for drivers in urban or high-risk areas. If your current premiums feel too high, there are practical ways to lower your car insurance costs without sacrificing essential financial protection:

  1. 1

    Compare rates from multiple providers

    Insurance companies calculate premiums differently. One of the easiest ways to cut costs is to get quotes from several carriers. Use MoneyGeek's quote tool to check potential savings based on your driving profile and location.

  2. 2

    Bundle your policies

    Bundling home and auto insurance lowers your overall premiums. Many providers offer discounts to those who combine multiple types of coverage. Explore top companies for bundling to find one that fits your needs.

  3. 3

    Take advantage of discounts

    Drivers in Texas have access to several state-specific money-saving opportunities:

    • Defensive driving course credits: Complete a Texas-approved defensive driving course to reduce your premiums. These state-certified programs can provide ongoing discounts and help offset violation-related rate increases.
    • Good student discounts: Texas insurers offer discounts for students maintaining good grades. If you have a student driver in your household, ask about academic achievement discounts that can reduce your family's premiums.
    • Low-mileage discounts: Texas urban drivers working from home or those with short commutes benefit from low-mileage discounts. Many insurers offer discounted rates for people who log fewer miles annually.
    • Anti-theft device credits: Adding a certified anti-theft system can reduce your premiums if you live in an area with elevated theft rates. Insurers provide discounts to drivers who use these devices because they lower the risk of loss.
  4. 4

    Consider optional coverage adjustments

    Texas drivers can choose not to buy Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist coverage. If you already have solid health insurance, adjusting these optional protections might lower your premiums.

  5. 5

    Increase your deductible

    Your deductible is what you pay out of pocket when you file a comprehensive or collision claim. Choosing a higher deductible can lower your premiums. Liability coverage doesn't have a deductible.

  6. 6

    Consider pay-per-mile insurance

    Texas residents who drive less than 12,000 miles annually may find pay-per-mile car insurance a more economical option. This type of coverage charges based on how much you drive.

  7. 7

    Drop unnecessary coverage

    Dropping comprehensive insurance can save money if premiums exceed 10% of your car's value, but ensure it won't leave you underinsured. Consider Texas's frequent severe weather when making this decision.

Cheapest Car Insurance Providers in Texas

Car insurance rates vary based on age, driving history and credit score, so the cheapest company can differ by driver profile. The most affordable providers in Texas for different types of drivers are highlighted in the table, helping you compare options and find coverage that best fits your needs.

Young DriversGeico$150$1,797
Adult DriversState Farm$68$812
Senior DriversState Farm$76$917
Drivers With An AccidentState Farm$78$935
Drivers With A DUIState Farm$104$1,251
Drivers With A Speeding TicketState Farm$67$807
Drivers With Bad CreditGeico$132$1,588
Drivers With Low IncomeGeico$88$1,060
Drivers With Newer CarsGeico$90$1,080
Drivers With Old CarsState Farm$61$733

Why Auto Insurance in Texas Is so Expensive: Bottom Line

Auto coverage in Texas is costly due to dense highways, high vehicle theft rates, high-speed limits, dense urban areas and frequent natural disasters. These factors increase both accidents and claims, driving up premiums across the state. While you can't control these statewide risk factors, you can shop around, bundle policies and take advantage of discounts to lower costs.

Compare Auto Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Texas Car Insurance Cost Factors: FAQ

We answer common questions about auto insurance rates in Texas to help you understand why your premiums are costly.

Why does Texas have higher car insurance rates than other states?

How do weather conditions affect car insurance rates in Texas?

Why are car insurance rates different between Texas cities?

How much does car insurance cost in Texas?

Why is my Texas car insurance expensive?

Do you have to have car insurance in Texas?

What is the minimum insurance requirement in Texas?

How does Texas's uninsured driver problem affect my rates?

How do Texas vehicle theft rates impact my premiums?

Car Insurance Rates in Texas: Our Review Methodology

Choosing car insurance in Texas means more than just getting the cheapest rate. You need financial protection that works when you file a claim. Texas drivers face some of the nation's highest accident rates and insurance fraud levels, so our analysis helps you find coverage that balances cost with real protection.

Our Data Foundation

We analyzed 328,384 auto insurance quotes across Texas using data from the Texas Department of Insurance and Quadrant Information Services. This dataset covers 14 major insurers in 370 ZIP codes throughout Texas, so our findings reflect the actual market when you shop for coverage.

Sample Driver Profile

Our analysis uses a realistic Texas driver profile:

  • 40-year-old male driver
  • 2012 Toyota Camry LE (one of Texas's most popular vehicles)
  • Clean driving record
  • 12,000 miles driven annually

When analyzing rates for young drivers, seniors or high-risk drivers, we adjusted this baseline profile while keeping our methodology consistent.

Coverage Levels Analyzed

Minimum Coverage (Texas State Requirements):

  • $30,000 per person for bodily injury
  • $60,000 per accident for bodily injury
  • $25,000 per accident for property damage

Full Coverage Analysis:

  • $100,000 bodily injury liability per person
  • $100,000 property damage liability
  • Comprehensive and collision coverage with $1,000 deductibles

Bundled Home and Auto Analysis

For homeowners seeking package discounts, we included homeowners insurance with:

  • $250,000 dwelling coverage
  • $100,000 personal property coverage
  • All-perils coverage with $1,000 deductible

This approach shows the real cost savings from bundling, which can reduce your total insurance costs by 5% to 25%, depending on the insurer.

Learn more about MoneyGeek's methodology.

Texas Car Insurance Costs: Related Articles

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


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