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:
- Insurance rate comparison
- Insurance rates by coverage level
- Affordable companies by state
- Rates in major cities
- 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:
- Car insurance laws in Texas
- Texas insurance FAQs
https://www.thezebra.com/auto-insurance/texas-car-insurance/#faqs
- Car insurance with a DUI, DWI, or SR-22 in Texas
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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.