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Everything is bigger in Texas, including car insurance premiums for the most part. The monthly cost of full coverage car insurance in Texas is $206, compared to the national average of $186.
You could pay significantly more based on your age, credit history, and driving record. Learn more about the average cost of car insurance in Texas and what you can do to save money on your policy.
Key takeaways
- The average cost of full coverage car insurance in Texas is $206 per month.
- Drivers pay an average of $110 per month for state-minimum coverage.
- Teen drivers average $403 per month for full coverage car insurance.
How much does car insurance cost in Texas?
For full coverage insurance that includes collision, comprehensive, and liability protection, the average monthly cost is $206. For those looking to save money, state-minimum coverage is significantly cheaper; the average monthly premium is just $110.
| Avg. cost for full coverage | Avg. cost for liability coverage |
| $206/month | $110/month |
| Avg. full coverage cost for teen drivers | Avg. full coverage cost for seniors (60s) | Avg. full coverage cost for drivers with an accident on their record |
| $403/month | $175/month | $274/month |
Average cost of car insurance in Texas by provider
Texas offers a wide range of auto insurance options, from well-known national carriers like Allstate, Liberty Mutual, Progressive, and State Farm to smaller insurers that serve specific states or markets, such as Mercury, Root, and Mile Auto.
Since rates and coverage can vary widely, it's a good idea to compare quotes from several insurers. The chart below highlights only a sample of the providers available in Texas and does not represent all available options.
| Provider | Avg. full coverage | Avg. minimum liability coverage |
| Allstate |
$120/month |
$61/month |
| Root | $168/month | $102/month |
| GEICO | $147/month |
$70/month |
| Mercury | $138/month | $86/month |
| State Farm |
$85/month | $43/month |
| Progressive | $117/month | $63/month |
| USAA |
$152/month | $77/month |
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How does credit score affect car insurance rates in Texas?
In Texas, insurers can use your credit history and score to determine your rates. However, they cannot deny you coverage solely based on your credit.
Because insurers look at your credit score, excellent credit can help you save money on car insurance. The average monthly premium for someone with excellent credit is $184. By contrast, the average premium for those with poor credit is $258.
| Credit health | Avg. full coverage premium |
| Poor (550-649) | $258/month |
| Average (650-699) | $213/month |
| Good (700-749) | $204/month |
| Excellent (750+) | $184/month |
Average car insurance rates for high-risk drivers in Texas
Unfortunately, Texas has a high incidence rate of drivers getting behind the wheel after drinking. In fact, the U.S. DUI Report consistently ranks Texas in the top five of worst states in the country for drunk driving.
A DUI conviction can significantly increase your car insurance premiums, as insurers typically view drivers with a DUI as higher-risk policyholders.
| Violation | Avg. full coverage premium before violation* | Avg. full coverage premium after violation |
| At-fault accident | $206/month | $274/month |
| DUI | $206/month | $284/month |
| Speeding ticket | $206/month | $258/month |
*Assumes clean driving record with good credit
How does age affect car insurance rates in Texas?
Car insurance premiums are typically much higher for teenagers and young drivers because they have less driving experience and are statistically more likely to be involved in accidents. Rates generally decrease as drivers gain experience and maintain a clean driving record, with older adults often qualifying for lower premiums than younger motorists.
| Age | Avg. full coverage premium |
| 17 | $403/month |
| 25 | $273/month |
| 30 | $220/month |
| 40 | $208/month |
| 60 | $175/month |
Texas car insurance rates by city
Where you live (and park your car) affects your premiums. Living in cities like Austin or Houston will cause you to pay a higher premium than if you lived in rural or suburban areas.
At $268 per month for full coverage, Houston has the highest average premium in the state. That figure is unsurprising, considering that according to NeighborhoodScout, Houston has one of the highest crime rates in the country.
| City | Avg. full coverage premium |
| Austin | $211/month |
| Dallas | $233/month |
| Fort Worth | $205/month |
| Houston | $268/month |
| San Antonio | $214/month |
TX's minimum car insurance requirements
Texas law requires drivers to demonstrate financial responsibility for any accidents they cause, and most satisfy this requirement by carrying liability insurance. At a minimum, drivers must maintain bodily injury and property damage liability coverage, though many choose higher limits for additional protection.Texas has the following minimum coverage requirements:
- $30,000 in bodily injury liability coverage per person injured
- $60,000 in bodily injury liability coverage per accident
- $25,000 in property damage liability coverage
How to save money on car insurance in Texas
You can save money on your car insurance premiums in Texas by using the following tips:
- Raise the deductible: Your deductible is how much you have to pay after an accident before your insurance will cover damages or injuries. You can lower your premiums by increasing the amount of deductible.
- Shop around: Rates vary by company, so contact multiple car insurers and request quotes. You may find that some insurers are significantly cheaper than others for the same amount of coverage. We identified some of the best car insurance companies to help you get started.
- Ask about discounts: Reach out to your insurance agent and ask about available discounts. You may qualify for discounts if you pay your premiums annually, if you have a homeowners or renters policy, or if you complete a safe driving course.
- Boost your credit: In Texas, excellent credit can help you save money. Improve your score by making payments on your recurring obligations on time, limiting new credit inquiries, and reducing the amount of debt you carry.
More about auto insurance in Texas
Methodology
Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different. Learn more about how FinanceBuzz evaluates car insurance carriers based on factors like pricing, customer experience, financial stability, and overall value.
FAQs
How much is car insurance per year in TX?
The average for full coverage car insurance in Texas is $206 per month. If you opt for state-minimum coverage, the average monthly cost is $110. Some insurers offer discounts or bundling opportunities to potentially lower your rate.
What are the minimum car insurance requirements in Texas?
Texas law requires drivers to show they can pay for damages they cause in an accident. For most motorists, that means carrying liability insurance. The state's minimum coverage limits are:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability
These limits are often referred to as 30/60/25 coverage. While meeting the minimum requirements keeps you legally compliant, many drivers choose higher coverage limits for added financial protection.
Data throughout provided by Insurify.
Average rate:
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