How Much Is Car Insurance in Texas?

Here is the average car insurance cost in Texas for a variety of driver profiles, according to NerdWallet’s analysis.

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Updated · 3 min read
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Written by Ryan Brady
Lead Writer
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Edited by Ben Moore
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Fact Checked

Key takeaways 💡

  • Unfortunately, Texas is one of the most expensive states for drivers, with a median car insurance cost of $2,565 a year for full coverage, or about $214 a month.

  • The average cost of minimum coverage insurance is $813 a year, or about $68 a month.

  • The cheapest company in Texas for full coverage is Texas Farm Bureau, with a median annual rate of $1,268 a year, or about $106 a month.

  • Drivers can save on car insurance by shopping around, raising their deductible and asking about discounts.

According to NerdWallet’s October 2024 analysis, the average cost of full coverage car insurance in Texas is $2,565 per year, or about $214 a month, for a 35-year-old driver with good credit and a clean driving record.

The average cost of minimum coverage for that same driver profile is $813 per year, or about $68 a month.

But these are only averages. How much you’ll pay for car insurance in Texas ultimately depends on your unique characteristics and driving history, since factors such as your age, insurance company and driver profile all affect how much you pay for insurance.

We’ve listed the average car insurance rates for the following categories, based on NerdWallet’s analysis of how much car insurance costs in Texas:

🤓Nerdy Tip

The average cost of car insurance can be a good indicator for how much you can expect to pay, but don’t let that stop you from shopping for a better price. NerdWallet recommends comparing car insurance quotes from multiple insurers at least once a year to get the best possible rate.

Learn more about Texas insurance

If you’re looking for the cheapest car insurance in your city, NerdWallet also analyzed rates for some of the largest cities in Texas :

NerdWallet’s editorial team analyzed rates from 19 car insurance companies in Texas to find average rates for several age brackets, driving histories, credit histories and by company. All driver profiles are analyzed with a 2021 Toyota Camry LE. When looking at average costs by company, driving history and credit, we chose a 35-year-old driver.

  • 60+ years of combined experience covering insurance.

  • 1.5 billion+ auto insurance rates analyzed by our team of experts.

  • 700+ auto insurance companies analyzed in over 29,000 U.S. cities. (See our top picks.)

NerdWallet writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. Read our criteria for evaluating auto insurance companies.

Average cost of car insurance in Texas by company

How much car insurance costs in Texas depends on a variety of factors, including how much coverage you buy as well as the company you buy it from. Two common types of car insurance people buy are full coverage and minimum coverage.

Full coverage is a combination of coverage types that protects your car in most situations. In Texas, a full coverage policy is typically defined as having liability, comprehensive and collision insurance.

Minimum coverage is the bare minimum car insurance required to drive legally. In Texas, a policy with minimum coverage is only required to include liability car insurance.

Here’s what NerdWallet’s analysis uncovered when we compared companies to find the cheapest option for full and minimum coverage in Texas.

  • The cheapest Texas car insurance for full coverage is offered by Texas Farm Bureau at $1,268 per year, on average. 

  • The cheapest Texas car insurance for minimum coverage is offered by State Farm at $376 per year, on average.

But your rate could be significantly higher than that, depending on several other factors, such as the insurance company you choose.

The table below includes average costs for full coverage in Texas for the five cheapest options of the 19 companies we analyzed.

CompanyMedian annual rateMedian monthly rate
Texas Farm Bureau$1,268$106
Geico$1,360$113
Progressive$1,585$132
State Farm$1,587$132
Auto Club of SoCal$1,606$134

And this table includes average costs for minimum coverage in Texas for the five cheapest options of the 19 companies we analyzed.

CompanyMedian annual rateMedian monthly rate
State Farm$376$31
Texas Farm Bureau$417$35
Geico$533$44
Auto Club of SoCal$541$45
Mercury$635$53
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How much is car insurance in Texas by age?

Age plays a big role in determining how much a driver pays for car insurance in Texas. And in most cases, young drivers pay the most for car insurance.

According to our analysis, a 20-year-old driver in Texas pays more than what a 30-year-old driver pays. Once you hit 30, average rates will continue to decrease until you turn 70, at which point the cost of insurance starts going up again.

Below are the average annual costs of car insurance in Texas, by age, for both full and minimum coverage.

AgeMedian full coverage rateMedian minimum coverage rate
20$5,768$2,052
30$2,669$846
35$2,565$813
40$2,479$788
50$2,369$736
60$2,250$725
70$2,379$829

Compare car insurance costs in Texas by driver profile

Your driving history is another important factor in the price you’ll pay for car insurance. According to our analysis, a 35-year-old Texas driver with a recent speeding ticket would pay $242 a month for full coverage insurance, compared to $339 for a 35-year-old with a recent accident. Meanwhile, a 35-year-old driver with a clean driving history would only pay $214 for the same coverage.

Similarly, Texas — like most states — allows insurers to use a credit-based insurance score to price car insurance. These scores use your personal credit information to determine how likely you are to file a claim. Drivers with good credit will likely pay much less for car insurance in Texas than a driver with poor credit.

Here are the cheapest Texas car insurance companies for multiple 35-year-old driver profiles, as well as the average rate for each profile from those insurers.

CategoryCheapest companyMedian annual rate
Clean driving historyTexas Farm Bureau$1,268
After a DUIGeico$1,734
After an accidentState Farm$1,825
After a speeding ticketTexas Farm Bureau$1,268
Having poor creditGeico$1,769

Average car insurance cost in Texas by ZIP code

Where you live in Texas can also affect how much insurance costs, because some places like cities typically have higher accident or theft rates than more rural areas. You can get an estimate for the cost of a full coverage policy based on your ZIP code below.

Estimate full coverage rates by ZIP code

Enter your ZIP code to find the average car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.

Average car insurance rate in your ZIP code:

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Other factors that impact how much you pay for car insurance

While your insurance provider, age, driving history and credit score all help determine the cost of car insurance in Texas, there are additional factors to be aware of when you compare insurance quotes.

Factors that affect the cost of car insurance

Cash and coins.
Amount of coverageWhile we analyzed Texas rates for minimum and full coverage, how much car insurance you need may vary. And the more coverage you need, the more you’ll likely pay.
Hand with blue calculator.
Car detailsTypically the more expensive your car, the more it’ll cost to insure. You might also pay more if your car has expensive features that cost a lot to repair or if it’s a prized target among thieves.
Paper documents wrapped with a ribbon that has a checkmark on it.
Insurance historyIf you’ve had a lapse in coverage — such as taking a break from driving or missing a few payments — your car insurance company may consider you riskier to insure and charge you higher rates.
Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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