Cheap Texas car insurance

The average car insurance rate in Texas is $1,415 per year — 9% less than the US average.

However, auto insurance costs are affected by more than just state lines. Auto insurance premiums incorporate a number of factors, including a motorist's age, gender, marital status, credit, and driving history.

We reviewed Texas auto insurance premiums by each of the more significant pricing factors. Read on to see how much auto insurance costs in your state — or enter your ZIP code above to view unique rates from leading insurance companies.

Cheap car insurance in Texas

Affordable auto insurance for good drivers in Texas

Drivers with good records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Texas drivers without a recent moving violation save 8% on their car insurance premiums, on average — compared to the national average of 25%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

If you feel like your rates are high in spite of your clean driving record, get car insurance quotes every few months to ensure you're getting a good deal.

TEXAS CAR INSURANCE AVERAGE SAVINGS FOR GOOD DRIVERS

Insurance rates by age bracket in Texas

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Texas, teen drivers pay especially high rates: $3,300 per year — more than $1,750 more than the nationwide average and over twice as much as a typical Texas driver.

TEXAS CAR INSURANCE RATES BY AGE GROUP

Average auto insurance costs in Texas by gender

While gender doesn’t have as significant an impact on car insurance costs as a driver's location or age, it is used as a rating factor by auto insurers.

TEXAS CAR INSURANCE PREMIUMS BY GENDER

Average car insurance rates by marital status in Texas

A benefit of nuptials — aside from the wedding gifts — is the better deal you may get on your car insurance policy. In Texas, married motorists save $99 per year on car insurance policies. This closely matches the national savings of $98 for married couples.

TEXAS AUTO INSURANCE COSTS BY MARITAL STATUS

Average auto insurance rates by credit in Texas

Insurers rely on credit history as a way of determining how responsible a customer will be. Data trends show drivers with exceptional credit scores are more insurable car insurance customers: they less commonly file claims that cost auto insurance companies money.

In Texas, a driver with excellent credit saves $1,529 per year in insurance payments, compared to a driver saddled with a bad credit history. Learn more about how credit history can impact car insurance expenses:

TEXAS AUTO INSURANCE RATES BY CREDIT LEVEL

What are the best car insurance companies in Texas?

Every auto insurance company advertises its low premiums. As with any product, the cheapest auto insurance policy isn't always the best choice. Considering the stakes, it's worthwhile to do your homework to discover an insurance policy that covers your vehicle adequately after an accident. It's worth comparing insurance options to find the best value, instead of settling for the most affordable car insurance in Texas.

Compare major insurers' financial strength and claims satisfaction ratings to better predict the level of service you will receive. Claims satisfaction — assigned by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to satisfy its policy and contractual obligations.

What is the best auto insurance coverage in Texas?

The minimum car insurance requirements in Texas are $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage per accident.

If you choose the legal minimum coverage level in Texas, expect to pay an average of $576 annually. This expenditure is less expensive than the nationwide average by 8%. If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car-on-car crashes, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Texas, a comprehensive insurance policy with a $1,000 deductible costs $1,254, 118% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 146% more than you would for basic coverage.

Compare average rates for basic, better, and best Texas auto insurance levels below.

Car insurance laws in Texas

State minimum insurance requirements in Texas

In Texas, the state minimum coverage requirement is liability insurance with limits of:

• Bodily injury liability: $30,000 per person
• Bodily injury liability: $60,000 per accident
• Property damage liability: $25,000 per accident

Optional coverage in Texas (varies by carrier):

• Uninsured/Underinsured Motorist Coverage
• Uninsured Motorist Property Damage
• Personal Injury Protection (PIP)
• Additional Medical Coverage
• Comprehensive Coverage
• Collision Coverage
• Rental Car Reimbursement
• Roadside Assistance/Towing and Labor

Liability coverage is legally required in Texas and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Texas, insurance minimums are listed as 30/60/25, explained below:

• $30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person you injure in an auto accident.
• $60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries you cause in an accident if more than one person is hurt.
• $25,000 property damage per accident. This is the maximum dollar amount that pays for damage you cause in an accident.

These numbers reflect the minimum insurance limits required in Texas but higher coverage amounts are available from most insurance companies.

Texas auto insurance FAQs

Do I need insurance to change your car title in Texas?

Yes. Because car insurance is legally required in Texas, you will need insurance to get a title change.

Can undocumented immigrants get car insurance in Texas?

Yes, but it is difficult. Most car insurance companies require their customers to have a valid driver's license. This provides insurers insight into their potential customers' driving backgrounds. While you can get insurance without a license in Texas, it may be difficult and expensive.

Can I insure a salvage title car in Texas?

Yes, but it may be more expensive due to the added risk insurance companies attribute to salvaged titles.

Texas driving laws

Texas texting and driving laws

1. Ban on all cell phones for school bus drivers w/ passenger <17 drivers and drivers <18 years old
2. Ban on text messaging for school bus drivers w/ passenger <17 drivers and drivers <18 years old
3. Ban on text messaging in school zones for all drivers

Texas DUI laws

There is no maximum DWI lookback period in Texas. Instead, all prior DWI convictions are taken into account when an impaired driver is sentenced for a DWI offense. Penalties are enhanced when charged with DWI if a passenger under 15 years old is present.

First-time DWI offenses in Texas lead to:

• Three to 180 days in jail
• Up to $2,000 in fines
• Loss of driver’s license for up to a year
• Possible requirement to attend a DWI Education Program
• Possible requirement to install and use an ignition interlock device

How do tickets impact car insurance rates in Texas?

If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below average auto insurance rates in Texas after a few common citations.