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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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Jean Lucey, CPCU

Faculty, IIAA Virtual University

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  • CPCU, Chartered Property Casualty Underwriter

Jean Lucey has researched and written about insurance matters for well over 30 years. A current member of The Zebra's Insurance Expert Review Bo…

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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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

AAA: Best Customer Service in TX
AAA: Best Customer Service in TX

As a highly-rated regional carrier, AAA scored an 839 on J.D. Power's 2023 auto study. For those eligible, USAA is also top rated by J.D. Power for Customer Service.

GEICO: Cheapest liability coverage in TX
GEICO: Cheapest liability coverage in TX

GEICO offered the cheapest liability insurance coverage in Texas at $42/mo

GEICO: Cheapest full coverage in TX
GEICO: Cheapest full coverage in TX

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.

Most popular car insurance companies in Texas
Company Avg. Annual Premium
GEICO $1,432
State Farm $1,583
Nationwide $1,623
USAA $1,763
Progressive $2,325
Allstate $2,537

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord 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 provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Compare Texas car insurance quotes and companies with The Zebra

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Key takeaways for TX Drivers

  • Last year, drivers with full coverage paid $993 for a 6-month policy in Texas. This was 13% more expensive than the rest of the country.
  • 42% of drivers in Texas carry liability coverage — 58% carry full coverage.
  • GEICO is the cheapest company for liability and full coverage car insurance in Texas
  • 43% of drivers Texas who shop with The Zebra state they are paying too much for car insurance.

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.

Cheapest liability coverage car insurance in TX
Company Avg. Annual Premium
GEICO $513
USAA $578
Allstate $664
State Farm $704
Nationwide $834
Progressive $837

According to our data, 42% 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.

Cheapest full coverage car insurance in TX
Company Avg. Annual Premium
GEICO $1,432
State Farm $1,583
Nationwide $1,623
USAA $1,763
Progressive $2,325
Allstate $2,537

About 58% of drivers in Texas insure their vehicles with full coverage. Below are types of coverage that can fall under the umbrella of "full" 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.

Cheapest car insurance for young drivers in TX
Company Avg. Annual Premium
GEICO $3,562
USAA $3,795
State Farm $5,210
Nationwide $5,879
Progressive $10,528
Allstate $11,021

Find the best coverage and price in Texas with The Zebra

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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.

Best insurance companies in TX after an accident
Company Avg. Annual Premium
State Farm $1,908
GEICO $2,077
Nationwide $2,649
USAA $2,666
Progressive $3,317
Allstate $3,975

Zebra Tip: Look for safe driving discount

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

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
None $1,986 0% $0
One Med/PIP claim $2,003 1% $17
One comp claim $2,117 7% $131
Failure to show documents $2,118 7% $132
Not-at-fault accident $2,119 7% $133
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 16 - 20 MPH over limit $2,209 11% $223
Speeding 6 - 10 MPH over limit $2,209 11% $223
Speeding in school zone $2,219 12% $233
Driving too slowly $2,219 12% $233
Failure to stop at a red light $2,220 12% $234
In 65 MPH zone $2,222 12% $236
Improper passing $2,227 12% $241
Speeding 21 - 25 MPH over limit $2,231 12% $245
Wrong way/wrong lane $2,233 12% $247
Illegal turn $2,238 13% $252
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
Racing $2,771 40% $785
Reckless driving $2,812 42% $826
Open container $2,858 44% $872
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
DUI $3,262 64% $1,276

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.

Company Avg. Annual Premium
GEICO $2,007
State Farm $2,316
USAA $2,563
Progressive $2,572
Nationwide $3,348
Allstate $3,969

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.

Learn more about car insurance and DUI infractions.

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.

 

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

Find an affordable policy in Texas in minutes!

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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 $880.

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.

TEXAS CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Texas Yearly Change — Texas Avg. Annual Premium — US Yearly Change — US
2021 $1,584 $86 $1,529 $46
2020 $1,498 $79 $1,483 $61
2019 $1,419 -$361 $1,544 $23
2018 $1,780 -$16 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

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.

Our data shows that GEICO is the cheapest car insurance in Texas at $716 for a 6-month policy or $119/month.

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.

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.

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.

Save money on your next car insurance policy!

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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 editorial 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.