Average Car Insurance Cost in Texas (2025)
Drivers in Texas pay an average of $124 per month for liability insurance and $218 for full-coverage insurance, but your exact rate will depend on a few different factors.
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The average annual cost of car insurance in Texas is $1,484 for liability-only insurance and $2,612 for full coverage. These premiums are higher than the national annual averages of $1,235 for liability-only insurance and $2,188 for full coverage.
Many areas of Texas are at risk of extreme weather, and the state has several large metro areas. Both of these factors could contribute to the Lone Star State’s higher-than-average car insurance rates. Costs have also increased significantly over the past couple of years, driven by inflation, rising car prices, and population growth.1
Here’s what to know about car insurance rates in Texas and what you can do to lower your costs.
How much is car insurance in Texas?
Texas drivers who purchase liability-only insurance pay an average monthly premium of $124. That jumps to $218 per month for full coverage, which includes collision and comprehensive insurance.
The rate you pay for coverage depends on several factors.2 But knowing the average cost can help you get a sense of where you stand and whether you can take steps to lower your rate.
See how average monthly rates compare to U.S. averages in the table below.
How Texas car insurance rates have changed over the past two years
The average price of full-coverage car insurance in Texas rose to $2,700 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Texas.
See how Texas car insurance prices have changed over the past two years below.
Average Texas car insurance rates by city
Due to differences in vandalism, theft, and accident rates, car insurance premiums can vary from city to city and even by ZIP code. Drivers who live in urban areas, like Houston or Austin, usually pay more than rural drivers in cities like Fredericksburg or Johnson City.
Here’s a quick look at how auto insurance rates vary within the state of Texas.
Average Texas car insurance rates by age
Your age can significantly influence your car insurance rates. Older drivers tend to get in fewer accidents than young drivers, and teenagers typically pay the highest rates. Average rates tend to decrease with age as you gain more driving experience.
Here’s how average car insurance rates in Texas vary by age group.
Average cost to insure popular vehicles in Texas
The type of vehicle you drive also affects how much you pay for insurance coverage. In addition to the cost of repairs, insurers consider theft rates, engine size, and safety records when setting rates.
Nearly one-quarter of Texas’ vehicle registrations in 2021 were trucks.3 Pickups are popular, in part, due to the needs of drivers in rural areas. But they’re also popular in cities.4
Here’s a look at the average insurance rates for some of the most popular models in Texas, according to Edmunds.5 Of the state’s most popular vehicles, the Ford F-Series and Chevrolet Silverado have the cheapest average monthly quotes, and the Tesla Model Y has the most expensive average rates.
How your driving record affects car insurance rates in Texas
Your driving record has a major effect on your insurance rates because risky driving increases your chances of filing a claim. People with accidents and serious moving violations on their records tend to pay more than people with clean records. Texas drivers with clean records pay $178 per month.
Drivers with speeding tickets face the lowest rate increase, with an average premium of $236 per month. An at-fault accident increases the average monthly rate to $246 per month, and driving under the influence (DUI) can cause your premium to increase to $282.
Here’s a quick look at how rates vary for Texas drivers with different incidents on their records.
Texas is one of many U.S. states that allow insurers to use a credit-based insurance score to help determine your rate. But state law prohibits insurers from using your credit as the sole factor in determining your eligibility for a policy or your rate.6
If you have poor credit and other negative risk factors, your rate can be significantly higher than that of someone with excellent credit.
On average, Texans with poor credit scores pay $296 per month for full coverage, compared to $211 for people with excellent credit.
Here’s a look at the average monthly premium for liability only and full coverage based on credit tier.
Other factors that affect your car insurance rate in Texas
Texas insurance companies consider a few additional factors when determining premiums, including the following:
Gender: Men tend to get in more accidents — and more serious ones — than women, leading to more frequent and expensive claims. As a result, men typically pay higher average rates than women.
ZIP code: Your location in Texas, down to your ZIP code, can influence your insurance rates. Insurance companies consider your ZIP code’s proximity to a fire station, crime rates, accident rates, and more.
Insurance history: Your insurer will also look at whether you’ve had insurance in the past. A history of past coverage and minimal claims will help you earn lower rates. If you’ve had an insurance lapse, insurers may increase your premiums to account for the risk of another lapse.
How to lower your insurance costs in Texas
Understanding the factors that influence your car insurance premiums can help you determine which steps you can take to get cheaper car insurance.
Here are some tips to help you maximize your savings:
Texas average car insurance cost FAQs
If you live and drive in Texas, here are some common questions you may come across as you consider your options.
On average, Texas drivers pay $1,484 per year for liability-only insurance and $2,612 for full coverage. But your rate will depend on several factors, including where you live, as well as your driving record, driving habits, vehicle, age, gender, credit, and coverage levels.
State Farm offers the least expensive auto insurance in the Lone Star State, charging a monthly average of $58 for liability-only insurance and $94 for full coverage. But it’s important to shop around and compare personalized quotes if you want to find cheap coverage.
The average monthly premium for Texans is $124 for liability-only coverage and $218 for full coverage.
We researched dozens of top Texas insurers and determined that the best car insurance companies in Texas are GEICO, Allstate, and USAA.
Texas law requires drivers to maintain a minimum amount of liability insurance. Minimum liability includes bodily injury liability coverage of at least $30,000 per person and $60,000 per accident, which can help cover medical expenses for drivers in the other vehicle. You’ll also need to maintain at least $25,000 in property damage coverage.7 If you have an auto loan, your lender may also require you to maintain collision and comprehensive insurance.
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