Car Insurance in Texas
- Compare the cheapest car insurance quotes in TX with The Zebra
- Coverage from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Texas car insurance quotes
The average full coverage car insurance quote for a 6-month policy in Texas costs $993 — 13% more expensive than the U.S. average. Texas drivers looking to save can drop to liability coverage — which costs $366 for a 6-month policy.
How much you pay to insure your vehicle in Texas depends on a lot of factors, including a driver's age and driving history. Our agents and insurance experts analyzed Texas car insurance quotes across different coverage levels, driving histories and companies to find you the best policy.
Read on to learn how much auto insurance costs in Texas based on these variables, or submit your ZIP code above to get a more personalized quote
The best car insurance in Texas — The Zebra's Picks
GEICO offered the cheapest liability insurance coverage in Texas at $42/mo
GEICO offered the cheapest full insurance coverage in Texas at $119/mo
We recommend starting, but not ending, your search for car insurance coverage in Texas with our picks. Below are other top insurance companies in Texas and their average rates for a full coverage policy.
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Compare Texas car insurance quotes and companies with The Zebra
Cheap liability coverage in Texas
The coverage level that you choose plays a big part in how much you pay. The average cost for liability coverage in Texas is $366 for a standard 6-month policy. Below shows annual costs from the most popular companies in Texas for liability coverage.
According to our data, 38% of Texas drivers insure their vehicle with only liability coverage. While it may be tempting to go for the liability coverage, most insurance professionals in Texas advise caution as it does not protect your vehicle damage you cause and can leave you at risk for costly accidents.
Below are the liability limits in Texas — if you cause an accident and the amount is greater than these limits, you are considered underinsured and risk being sued for damages.
Texas liability coverage requirements:
- Bodily Injury: $30,000 per person
- Bodily Injury: $60,000 per accident
- Property Damage: $25,000 per accident
Cheap full coverage car insurance in Texas
A full coverage policy in Texas with $500 deductibles for comprehensive and collision coverage costs $993. Below shows annual costs from the most popular companies in Texas for full coverage.
About 62% of drivers in Texas insure their vehicles with full coverage. Below are types of coverage that can fall under the umbrella of "full" coverage:
- Loan/lease payoff
- Medical and funeral services
- Rental car reimbursement
- Roadside assistance
- Personal injury protection*
- Uninsured/underinsured coverage
*PIP coverage is automatically included in your policy unless explicitly waived.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Texas, a full coverage insurance policy with a $500 deductible costs $993 compared to $366 for liability-only coverage.
Cheap auto insurance for young drivers in Texas
Young drivers — aged between 16 and 25 — have a hard time finding cheap car insurance in Texas. Teen drivers pay more than three times the national average for car insurance. In Texas, teen drivers pay especially high auto insurance costs: $3,614 per year — more than $2,085 more than the nationwide average.
Find the best coverage and price in Texas with The Zebra
Texas auto insurance costs after an accident or ticket
It can be tricky to find cheap car insurance in Texas after an accident. Insurance companies look for previous accidents and tickets gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance costs increase to as much as $2,329 per year.
Below are how much top insurance companies in Texas will charge you after an at-fault accident.
In Texas, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$2,003||1%||$17|
|One comp claim||$2,117||7%||$131|
|Failure to show documents||$2,118||7%||$132|
|Driving with expired registration||$2,135||7%||$149|
|Driving without lights||$2,147||8%||$161|
|Failure to wear a seat belt||$2,148||8%||$162|
|Two Med/PIP claims||$2,154||8%||$168|
|Child safety restraint||$2,163||9%||$177|
|Cell phone violation||$2,201||11%||$215|
|Texting while driving||$2,201||11%||$215|
|Speeding 11 - 15 MPH over limit||$2,209||11%||$223|
|Speeding 6 - 10 MPH over limit||$2,209||11%||$223|
|Speeding 16 - 20 MPH over limit||$2,209||11%||$223|
|Driving too slowly||$2,219||12%||$233|
|Speeding in school zone||$2,219||12%||$233|
|Failure to stop at a red light||$2,220||12%||$234|
|In 65 MPH zone||$2,222||12%||$236|
|Speeding 21 - 25 MPH over limit||$2,231||12%||$245|
|Wrong way/wrong lane||$2,233||12%||$247|
|Failure to yield||$2,238||13%||$252|
|Two comp claims||$2,238||13%||$252|
|Following too closely||$2,242||13%||$256|
|Passing school bus||$2,252||13%||$266|
|Operating a vehicle without permission||$2,261||14%||$275|
|At-fault accident - less than $1000||$2,459||24%||$473|
|Driving with a suspended license||$2,769||39%||$783|
|Leaving scene of an accident/hit and run||$2,860||44%||$874|
|At-fault accident - $1000-$2000||$3,160||59%||$1,174|
|At-fault accident - greater than $2000||$3,171||60%||$1,185|
|Refusal to submit to a chemical test||$3,226||62%||$1,240|
The Zebra's guide to Texas car insurance laws
Some of the violations above, such as a DUI or driving without insurance, can lead to more complicated insurance implications. Below are more in-depth guides to Texas car insurance laws and regulations.
Learn more about car insurance requirements in the state of Texas with our helpful guide.
Texas DUI laws
In Texas, a DUI offense can increase your annual car insurance premium to an average of $3,263. That’s 32% more than the national average rate hike after a DUI. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Texas
If you're convicted of a DUI or DWI violation in Texas, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Texas, GEICO, advertises annual rates 38% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Texas is State Farm, while the priciest firm is Texas Farm Bureau Group, with prices 89% above average.
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.
Texas SR22 insurance
An SR22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Texas to ensure that you remain insured.
Finding cheap auto insurance with an SR22 in Texas might require some research, but it could pay off in the end.
How to acquire an SR22 in Texas
For currently insured drivers
If you already have auto insurance, getting an SR22 certificate is straightforward. Contact your car insurance company ask the company to file an SR22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR22 request for you and to cover your high-risk driving profile. Needing an SR22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Texas in minutes!
Car insurance price trends in Texas
In Texas, average annual auto insurance costs increased by $86 in the past year. A typical Texas driver pays an average of $993 for a 6-month policy compare to the national average of .
The recent pricing trend in Texas leans toward slightly cheaper car insurance costs. From 2018 to 2019, average annual rates in Texas dropped from $1,780 to $1,419. Since this significant drop, rates have increased moderately. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Texas||Yearly Change — Texas||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Texas car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Texas auto insurance.
Who has the cheapest car insurance in Texas?
Our data shows that GEICO is the cheapest car insurance in Texas at $716 for a 6-month policy or $119/month.
How much is car insurance in Texas?
On average, car insurance in Texas costs $1,584 per year — 4% more than average. This is an average rate based on our user profile. Depending on your driving history, age, and vehicle, your rate can be cheaper or more expensive.
Why is car insurance so expensive in Texas?
Insurance companies use the previous year's claims data to price their rates. Texas not only has more claims than other states, but they have more expensive claims. Thus making it more expensive to do business in Texas for insurance companies. In order to have a profit, insurance providers will raise rates. Your best option for finding the cheapest rates in Texas is to shop around as much as possible.
Do you have to have car insurance in Texas?
In order to register your vehicle and drive on public roads in Texas, you need at least liability coverage. If you are leasing or financing a vehicle, you most likely need additional coverage.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.