Cheap Texas Car Insurance

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Here's what you need to know when driving in Texas

The average car insurance rate in Texas is $1,415 per year — 9% less than the U.S. 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 free, unique rates from leading insurance companies.


 

Affordable car insurance premiums in Texas

What's the cheapest car insurance in Texas?
RankCompany NameAvg. Annual Premium
1Travelers$1,031
2Cal Casualty$1,410
3USAA$1,461
4Elephant$1,464
5Esurance$1,478
6Mercury$1,491
7State Farm$1,574
8Texas Farm Bureau$1,679
9Allstate$2,516
10Dairyland$3,012

See rates from over 60 insurance companies in Texas by entering your ZIP code below.

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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
Rating Factor$ Savings% Savings
No Traffic Tickets$24717.47%
No Accidents$25317.87%
Good Credit$94651.82%

 

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
AgeAnnual Average Premium
16$4,049
17$3,433
18$3,035
19$2,681
20s$1,757
30s$1,383
40s$1,345
50s$1,219
60s$1,248
70s$1,509

 

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
GenderAverage Yearly Premium
Male$1,415
Female$1,396

 

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
Marital StatusAverage Annual Premium
Single$1,415
Married$1,316
Divorced$1,415
Widowed$1,286

 

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.

Texans with excellent credit save $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
Credit TierAverage Annual Premium
Very Poor (300-579)$2,771
Fair (580-669)$2,214
Good (670-739)$1,825
Very Good (740-799)$1,508
Exceptional (800-850)$1,242

 

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.

Insurance Company
Claims Satisfaction (J.D. Power)
Financial Strength (A.M. Best)
21st Century
3
Excellent
Allstate
3
Superior
Amica
5
Superior
Esurance
2
Superior
GEICO
3
Superior
Liberty Mutual
3
Excellent
Mercury
2
Superior
MetLife
3
Superior
Nationwide
3
Superior
Progressive
3
Superior
Safeco
3
Excellent
State Farm
3
Superior
Texas Farm Bureau
Not Rated
Excellent
Travelers
3
Superior
USAA
5
Superior

 

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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 160% more than you would for basic coverage.

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

 

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Texas$576$1,254$1,499
National Average$621$1,373$1,642

 

Texas Auto Insurance Laws

State minimum insurance requirements in Texas

In the state of 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

Learn more about minimum auto insurance requirements in Texas

Driving Laws in Texas

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

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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,17754%$762
Refused Breathalyzer/Chemical Test$2,15953%$744
DUI$2,17754%$762
Racing$1,94638%$531
Reckless Driving$2,15953%$744
Driving with a Suspended License$2,07146%$656
At-Fault Accident$2,12950%$714
Driving with an Open Container$1,98941%$574
Operating a Vehicle Without Permission$1,5379%$122
Passing a School Bus$1,65017%$235
Improper Passing$1,5379%$122
Following Too Closely$1,5379%$122
Speeding$1,5369%$121
Failure to Stop at a Red Light$1,5379%$122
Illegal Turn$1,5379%$122
Driving Wrong Way/Wrong Lane$1,5379%$122
Failure to Yield$1,5379%$122
Speeding in a School Zone$1,5369%$121
Driving Too Slowly$1,5369%$121
Distracted Driving$1,5379%$122
Driving with Expired Registration$1,4150%$0
Failure to Show Documents$1,4150%$0
Not-at-Fault Accident$1,4956%$80
Failure to Use Child Safety Restraint$1,4462%$31
Failure to Wear a Seat Belt$1,4462%$31
Driving Without Lights$1,4462%$31

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Texas Car Insurance FAQs

Who has the cheapest car insurance in Texas?

Our data showTravelers offers the cheapest car insurance in Texas, at $515 for a six-month policy, or $86 per month. Use The Zebra's comparison tool to find the best and cheapest rate for you in Texas.

What is the average cost of car insurance in Texas?

On average, car insurance in Texas costs $1,415 per year — 9% less than average. This is an average rate based on our userprofile. 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. Use our comparison tool to see rates and offers from GEICO, Progressive, Travelers and Esurance.

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.

RankCityAvg. Annual Premium
1Dallas$1,680
2Houston$1,671
3Mesquite$1,638
4Garland$1,606
5McAllen$1,580
6Grand Prairie$1,561
7Pasadena$1,546
8Beaumont$1,529
9Brownsville$1,522
10Irving$1,518
11Amarillo$1,516
12Arlington$1,508
13Laredo$1,507
14San Antonio$1,501
15Carrollton$1,481
16Lubbock$1,453
17Fort Worth$1,446
18El Paso$1,442
19Plano$1,428
20Austin$1,424
21Corpus Christi$1,416
22McKinney$1,402
23Waco$1,322
24Abilene$1,294
25Killeen$1,263
Recent Questions:

My friend is giving me a car as a gift. What do I need to do to get it transferred in my name?

You need to have the title transferred to you and register it in your name. Here is some information related to that — it will all be done via the TX DMV.

Risk of assets for separate car insurance policy

Although you have separate car insurance policies, your mutual assets would still be at risk because you are married. Your husband's car insurance would be the one to pay for the damages but if the damages exceed his policy limits for liability then your husband would be responsible for the remaining damages.

Would this be a homeowners or car insurance claim?

While there are some details left it, the damage to the garden wall will be covered by your property damage liability insurance while the damage to your vehicle would be covered by your collision insurance. If it's your garden wall, you might have more freedom with the insurance proceedings.

If my car is totaled in a flood, how much will my insurance company pay me for it?

Most insurance companies use NADA Guide to determine the market value of your vehicle at the time of a claim. In the case of a totaled vehicle, your payout is generally based on fair market value.

Ava Lynch
Ava Lynch LinkedIn

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.