+120 moreThe average cost of car insurance in Texas is $165 per month — higher than the national average, according to Compare.com data. Texas drivers have seen their annual insurance costs increase by nearly $300 (for full coverage) over the last year, according to research from Insurify.
The state has seen an increase in severe storms (hurricanes, tornadoes, and hail), resulting in more claims — and higher premiums.[1] Texas also has a higher-than-average accident rate and more crash fatalities than any other U.S. state except for California.[2]
Keep reading to find out the best insurance companies for your unique driver profile and what you can expect to pay for your car insurance premiums.
Generally speaking, car insurance premiums in Texas are higher than the national average due to severe weather and higher accident rates.
The exact amount you’ll pay for car insurance in Texas depends on your car, location, and driver profile.
Premiums vary by insurance company, so it’s a good idea to compare several options and shop around before your policy renews.
While $165 per month is the average cost of car insurance in Texas, the amount you pay will depend on your driver profile and the type of policy you choose. For instance, if you opt for the minimum liability insurance Texas law requires, you may pay less than the state’s overall average. If you choose full coverage — which protects your car — you may pay more.
The chart below shows how Texas car insurance costs vary based on policy type, according to Compare.com data.
Policy Type  | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Liability only | $117 | $1,400 |
| Full coverage | $213 | $2,556 |
| All policies | $165 | $1,978 |
If you opt for minimum liability-only coverage in Texas, you’ll pay an average of $117 per month and $1,400 annually. Full coverage runs an average of $213 per month, while the overall average across all policies is $165.
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Texas auto insurance premiums have increased steadily over the last two years. A recent report from Insurify found that the average annual cost of a full-coverage car insurance policy in Texas was $1,782 in February 2023. As of February 2025, the average annual premium is $2,693 — an increase of more than $900 per year for the same coverage.
This breaks down to $224 per month — an increase of $76 per month for full coverage.
State Name | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Texas | 2,616 | 2,641 | 2,665 | 2,681 | 2,698 | 2,707 | 2,701 | 2,688 | 2,754 | 2,735 | 2,732 | 2,710 | 2,683 | 2,635 | 2,594 | 2,556 | 2,525 | 2,510 | 2,516 | 2,501 | 2,493 | 2,488 | 2,481 | 2,469 |
| United States | 2,342 | 2,368 | 2,389 | 2,386 | 2,373 | 2,370 | 2,361 | 2,350 | 2,365 | 2,366 | 2,366 | 2,354 | 2,341 | 2,317 | 2,285 | 2,256 | 2,227 | 2,214 | 2,221 | 2,222 | 2,224 | 2,232 | 2,238 | 2,236 |
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Many factors affect how much you’ll pay for Texas auto insurance, including the type of vehicle you drive and the coverage you choose.[3] For instance, cars prone to theft can be costlier to insure than others. Newer cars, vehicles that are expensive to repair, and cars with lower safety ratings also tend to have higher insurance premiums.
The table below shows how Texas auto insurance premiums vary among the five most popular cars in the state (based on sales figures from Edmunds).
Vehicle Make and Model | Average Monthly Premium |
|---|---|
| Ford F-Series | $159 |
| Chevrolet Silverado | $170 |
| Ram 1500 | $174 |
| GMC Sierra | $171 |
| Tesla Model Y | $230 |
Where you live plays a significant role in your insurance costs, too. Theft, vandalism, and accident rates can vary widely from city to city, as can weather patterns and parking availability — all factors that affect rates.
We’ve broken down how Texas car insurance premiums vary across the Lone Star State’s five biggest cities in the table below.
City | Average Monthly Premium |
|---|---|
| Austin | $171 |
| Dallas | $186 |
| Fort Worth | $164 |
| Houston | $221 |
| San Antonio | $173 |
Every insurer has a unique formula for calculating premiums. Factors including local weather events, inflation, and riskier driving habits contribute to your costs, among other things.
For instance, with the cheapest car insurance company in Texas — State Farm — you’ll pay an average of just $56 per month. That’s well below the state average.
Allstate — another cheap car insurance company in Texas — offers average monthly premiums of $79.
Here’s a look at the average rates from several of the largest car insurance companies in Texas, according to Compare.com data.
Company | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage |
|---|---|---|
| Allstate | $79 | $155 |
| GEICO | $89 | $190 |
| Liberty Mutual | $233 | $340 |
| Mercury | $109 | $178 |
| Nationwide | $125 | $246 |
| Progressive | $81 | $144 |
| Safeco | $141 | $210 |
| State Farm | $56 | $110 |
| USAA | $99 | $195 |
Your driver profile also factors into your insurance costs: Insurers consider your age, gender, ZIP code, and credit history when setting your rates. They also look at your driving record, whether you’ve had any tickets or accidents, and how likely you are to file a claim.
Your credit history also factors into your insurance costs. While some states don’t allow the use of credit scores or credit history in insurance pricing, Texas does.[4]
The table below shows how various personal factors can affect your Texas auto insurance costs, according to Compare.com data.
Driver Profile | Average Monthly Premium |
|---|---|
| Teen drivers | $322 |
| Adult drivers | $167 |
| Senior drivers | $140 |
| Drivers with a speeding ticket | $207 |
| Drivers with an at-fault accident | $219 |
| Drivers with a DUI | $229 |
| Drivers with good credit | $148 |
| Drivers with poor credit | $206 |
Teens pay more for their insurance than adults, as do drivers with traffic infractions on their record.
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Many factors affect the cost of your car insurance. Here’s a breakdown of what influences your car insurance premiums as a Texas driver:
Driving record: Your premiums will likely increase if you have tickets or accidents on your record. Drivers with shorter driving histories typically pay more, too.
Vehicle and usage: Insurance costs are also based on the type of car you have, how often you drive it, how risky it is for accidents/theft, its repair costs, and its safety features.
Location: Theft, vandalism, accidents, and adverse weather vary by locale, so premiums will, too. Where you park also factors in.
Age and gender: Young drivers (especially males) are more likely to get into accidents than mature drivers, so they face higher premiums.[5] For example, a 16-year-old male driver pays more for insurance than a 30-year-old.
Insurer and coverages: The insurance company, type of coverage, coverage amounts, and deductible you choose also affect your insurance costs.
Always compare several insurers before choosing one, and ask each one about available discounts that could lower your premium. You can call around for quotes before your policy renews or use an insurance comparison website to get many quotes at once.
Rates in Texas start as low as $56 per month.
The answers below can give you more information about the average cost of car insurance in Texas and how to snag a cheap car insurance policy.
The average cost of car insurance in Texas is $165 per month, according to Compare.com data. But the exact amount you’ll pay depends on many factors, including your age, coverage limits, deductible, and the type of policy you choose.
The average cost for a minimum liability policy is $117 per month, while a full-coverage policy averages $213. Discounts available through various insurers can affect your costs, too.
The average cost of car insurance per month in Texas is higher than the national average. In Texas, you’ll pay about $165 per month. Nationally, the average is $140 per month.
The cheapest car insurance company in Texas is State Farm, according to our research. With this insurer, you’ll pay an average of $56 per month for minimum liability coverage.
Another cheap car insurer in Texas is Allstate, which averages $56 per month. Other cheap car insurance companies include Progressive.
The best auto insurance companies in Texas vary depending on your needs, budget, and unique driver profile. Overall, though, the top cheap car insurance companies in Texas are State Farm, Allstate, and Progressive.
Texas requires drivers to have at least $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability. You also must have personal injury protection (PIP) unless you decline it in writing. All other insurance coverages, like collision, comprehensive, and uninsured motorist, are optional (unless your auto lender or leasing company requires it).
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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