Key takeaways 💡
Unfortunately, Texas is one of the most expensive states for drivers, with a median car insurance cost of $2,567 a year for full coverage, or about $214 a month.
The average cost of minimum coverage insurance is $832 a year, or about $69 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 September 2024 analysis, the average cost of full coverage car insurance in Texas is $2,567 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 $832 per year, or about $69 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:
Insurance companies in Texas.
Age.
Driving profile.
ZIP code.
🤓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 |
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NerdWallet has many more Texas insurance guides. For more information, check out our articles below:
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If you’re looking for the cheapest car insurance in your city, NerdWallet also analyzed rates for some of the largest cities in Texas :
Arlington
Austin
Dallas
El Paso
Fort Worth
Katy
San Antonio
Spring
How we found the average cost of car insurance 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.
Why trust NerdWallet
60+ years of combined experience covering insurance.
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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.
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $1,268 | $106 |
| Geico | $1,360 | $113 |
| State Farm | $1,586 | $132 |
| Auto Club of SoCal | $1,606 | $134 |
| Progressive | $1,646 | $137 |
And this table includes average costs for minimum coverage in Texas for the five cheapest options of the 19 companies we analyzed.
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| State Farm | $376 | $31 |
| Texas Farm Bureau | $417 | $35 |
| Progressive | $523 | $44 |
| Geico | $533 | $44 |
| Auto Club of SoCal | $541 | $45 |
» MORE: The best car insurance in Texas
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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.
| Age | Median full coverage rate | Median minimum coverage rate |
|---|---|---|
| 20 | $5,891 | $2,091 |
| 30 | $2,670 | $871 |
| 35 | $2,567 | $832 |
| 40 | $2,482 | $811 |
| 50 | $2,372 | $764 |
| 60 | $2,255 | $752 |
| 70 | $2,403 | $856 |
» MORE: How young drivers can save on car insurance
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 $243 a month for full coverage insurance, compared to $338 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.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Texas Farm Bureau | $1,268 |
| After a DUI | Geico | $1,734 |
| After an accident | State Farm | $1,766 |
| After a speeding ticket | Texas Farm Bureau | $1,268 |
| Having poor credit | Geico | $1,769 |
» MORE: Does a speeding ticket affect your insurance?
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:
$0
» MORE: Get car insurance quotes online
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
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.
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.
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.
» MORE: Why is my car insurance so high?
