Car Insurance Comparison: Arizona vs. Texas

If you're moving from Arizona to Texas, you should consider the consequences for your car insurance.

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By Ross Martin
Updated January 5, 2022
Edited By Kristine Lee

Comparing auto insurance in Arizona and Texas

If you’re moving from Arizona to Texas, you are probably paying attention to the major concerns and big expenses: finding a reliable long-haul moving service, getting an abode in your new state, and physically moving across state lines.

With so many moving parts, it can be easy to forget the details. Auto insurance is often treated as a detail, but it's an important one. To find a good deal and stay street legal, you’ll need to update your policy — or purchase a new policy — when you move from one state to another.

Check out our guide to auto insurance in Arizona and Texas and plan accordingly. We'll cover:


  1. Insurance rate comparison
  2. Insurance rates by coverage level
  3. Affordable companies by state
  4. Rates in major cities
  5. Additional resources


Arizona vs. Texas auto insurance — average rates

Expect to pay more for car insurance in your new home. The typical annual car insurance rate in Texas is $768 more expensive than the average expense in Arizona. Keep in mind this cost depends on your coverage level, driving and insurance history, and your auto insurance company.


AUTO INSURANCE PREMIUMS IN ARIZONA VS. TEXAS
Location Average Annual Rate
Arizona $1,357
Texas $2,125


Car insurance costs by coverage level

How much you shell out for car insurance depends on how you use your vehicle and how much protection you want from your insurer.

With state minimum liability car insurance coverage, you will most likely carry bodily injury, property damage liability, and medical payment coverages, in addition to uninsured and underinsured driver coverage and personal injury protection (PIP) in certain states.


CAR INSURANCE PREMIUMS FOR MINIMUM LIABILITY COVERAGE IN ARIZONA vs. TEXAS
Location Period Rate
Arizona Annual $513
Texas Annual $782
Arizona 6-Month $257
Texas 6-Month $391
Arizona Monthly $43
Texas Monthly $65


Upgrading to full-coverage auto insurance incurs further costs, but you’ll get the peace of mind that comes with collision and comprehensive coverages, along with rental reimbursement and roadside assistance protection. The primary benefit of full coverage auto insurance is that it insures you and your car more comprehensively than does minimum liability coverage. If you want to do everything possible to protect your investment, full coverage is recommended.


AUTO INSURANCE PREMIUMS — FULL COVERAGE IN ARIZONA vs. TEXAS
Location Time Period Rate
Arizona Annual $1,263
Texas Annual $2,120
Arizona 6-Month $632
Texas 6-Month $1,060
Arizona Monthly $105
Texas Monthly $177


Affordable auto insurance companies in Arizona and Texas

A primary determinant of your auto insurance costs is your choice of auto insurance company. Car insurance companies assign premiums in a variety of ways, resulting in major price variations. Geography also plays a role: some insurance companies sell policies only in certain places, while bigger insurance companies' rates differ by state.

When moving, you should try to find the best cheap insurance company in your new location. Start researching below by viewing the five most affordable car insurance companies in Arizona and Texas.


AFFORDABLE CAR INSURANCE COMPANIES IN ARIZONA
Company Average Annual Rate
The Hartford $536
SAFECO $561
Auto-Owners $906
Travelers $1,097
USAA $1,102


See other cheap auto insurance companies in Arizona.


AFFORDABLE CAR INSURANCE COMPANIES IN TEXAS
Insurance Company Average Annual Rate
Travelers $1,031
USAA $1,106
Texas Farm Bureau $1,223
Germania Mutual $1,269
Esurance $1,393


See more affordable auto insurance companies in Texas.


Car insurance rates by city in Arizona and Texas

While car insurance is legislated on a state-by-state level, insurers assign rates by ZIP code to adjust for unique factors such as density and the likelihood of a crash. The exact location to which you relocate will play a big part in deciding your rates.

View the below tables to see auto insurance rates in major cities in Texas and Arizona.


AUTO INSURANCE RATES BY CITY IN ARIZONA
City Average Annual Rate
Phoenix $1,243
Tucson $1,083
Mesa $1,136
Chandler $1,104
Glendale $1,202


Check out our longer list of insurance rates in Arizona cities.


AUTO INSURANCE PREMIUMS BY CITY IN TEXAS
City Average Annual Rate
Houston $1,872
San Antonio $1,705
Dallas $1,874
Austin $1,643
Fort Worth $1,637


Your new city not listed above? View auto insurance rates in other Texas cities.


More resources:moving from Arizona to Texas

When moving from Arizona to Texas, you’ll encounter new driving laws, different FR-44 or SR-22 requirements, and more. Ensure your interstate move is seamless with our collection of information on your new home:

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple Dollar, The Balance, Car and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance. 

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