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.
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
No Traffic Tickets
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
Annual Average Premium
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 Yearly Premium
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 Annual Premium
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
Average Annual Premium
Very Poor (300-579)
Very Good (740-799)
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.
See insurance rates for Texas' best companies!
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 accidents, 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.
Comprehensive — $1,000 Deductible
Comprehensive — $500 Deductible
Texas Auto Insurance Laws
State minimum insurance requirements in Texas
In Texas, the state minimum coverage requirement is liability insurance with limits of:
Ban on all cell phones for school bus drivers w/ passenger <17 drivers and drivers <18 years old
Ban on text messaging for school bus drivers w/ passenger <17 drivers and drivers <18 years old
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
Ticket Impact on Auto 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.
Avg. Annual Auto Insurance Rate
% Insurance Rate Increase
$ Insurance Rate Increase
Hit and Run
Refused Breathalyzer/Chemical Test
Driving with a Suspended License
Driving with an Open Container
Operating a Vehicle Without Permission
Passing a School Bus
Following Too Closely
Failure to Stop at a Red Light
Driving Wrong Way/Wrong Lane
Failure to Yield
Speeding in a School Zone
Driving Too Slowly
Driving with Expired Registration
Failure to Show Documents
Failure to Use Child Safety Restraint
Failure to Wear a Seat Belt
Driving Without Lights
Get Texas car insurance now!
Texas Car 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. Car insurance is required for all drivers as a way of showing financial responsibility.
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.
How much does car insurance cost in Texas cities?
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Killeen, Texas, and the most expensive in Dallas, Texas.
As long as your license wasn't suspended as a result — or other violations that affect your driving record — you do not have to report fix-it tickets to your insurance company. Insurers typically will only rate against moving violations that show up on your motor vehicle record (MVR). If you're looking for new auto insurance, you can start comparing quotes instantly here. If you have any questions, feel free to ask.
Though it's not illegal, you will be violating terms of your loan if you change the breadth of your coverage in favor of liability-only. Your lienholder will then force-place collateral protection insurance to your monthly payments.
It appears the following states will allow you to use an out of country placard: California, Illinois, Louisiana, Nevada, and Texas. If she'll be visiting other states, you may need to contact the state's DMV for additional information. If you have any questions, don't hesitate to ask.
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in Texas, while also getting an insider view of the Lone Star State.
So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
How do I choose a location?
The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2020
Winner(s) will be selected and notified by email by January 31st, 2021
Judges: The Zebra
The winner will be selected based on creativity in the content and presentation
*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.
By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.
Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.