Car Insurance Comparison: New York vs. Texas

Planning a move from New York to Texas? You may need to update your car insurance.

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Comparing auto insurance in New York and Texas

If you are moving from New York to Texas, you might be considering the high-level concerns and expenses: locating a trustworthy long-haul moving service, securing an apartment or house in your new locale, and physically moving across state lines.

Amidst the stress of a big move, it's easy to overlook some details. Auto insurance is among the many details, but it's important. To stay street legal and find a good deal, you’ll need to update your insurance policy — or find a new one — when you move between states.

Check out our guide to car insurance in New York versus Texas and plan accordingly. We'll cover the following topics:


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


New York vs. Texas auto insurance — average rates

Expect to pay less for auto coverage once you move. The typical annual auto insurance rate in Texas is $64 less expensive than the average expense in New York. The precise cost will depend on your coverage choice, driving history, and your car insurance company.


CAR INSURANCE PREMIUMS IN NEW YORK VS. TEXAS
StateAverage Annual Cost
New York$2,188
Texas$2,125


Average car insurance costs by coverage level

How much you pay for an auto policy depends on your vehicle, your personal driving profile, and how much protection you want from your insurer.

If you elect your state's minimum liability auto insurance coverage, you will carry medical payment, bodily injury, and property damage liability coverages, along with uninsured and underinsured motorist coverage and personal injury protection (PIP) in some states.


AUTO INSURANCE RATES — STATE MINIMUM COVERAGE IN NEW YORK vs. TEXAS
StatePeriodCost
New YorkAnnual$887
TexasAnnual$782
New York6-Month$443
Texas6-Month$391
New YorkMonthly$74
TexasMonthly$65


Upgrading to full-coverage auto insurance will cost more each month, but you’ll get the peace of mind that comes with collision and comprehensive coverage levels, as well as perks like rental reimbursement and roadside assistance protection. The primary benefit of full coverage car insurance is that it insures you and your car more comprehensively than does minimum liability coverage. If you're ready to spend more to protect your vehicle, full coverage is recommended.


AUTO INSURANCE RATES FOR FULL COVERAGE IN NEW YORK vs. TEXAS
StateTime PeriodPremium
New YorkAnnual$1,786
TexasAnnual$2,120
New York6-Month$893
Texas6-Month$1,060
New YorkMonthly$149
TexasMonthly$177


Inexpensive auto insurance companies in New York and Texas

A primary determinant of your auto insurance costs is your choice of insurer. Insurance companies price premiums in a variety of ways, resulting in substantial variations in pricing. Location matters, too: some companies have limited geographic range, while major insurers’ rates may vary by state.

When moving to a new state, it’s important to locate the best cheap car insurance company in your new state. Start researching below by viewing the five most affordable auto insurance companies in New York and Texas.


AFFORDABLE CAR INSURANCE COMPANIES IN NEW YORK
Insurance CompanyAverage Annual Rate
USAA$1,175
Erie$1,230
Utica National$1,519
Progressive$1,527
Travelers$1,544


See other cheap auto insurance companies in New York.


AFFORDABLE AUTO INSURANCE COMPANIES IN TEXAS
InsurerAverage Annual Rate
Travelers$1,031
USAA$1,106
Texas Farm Bureau$1,223
Germania Mutual$1,269
Esurance$1,393


View other cheap auto insurance companies in Texas.


Car insurance rates by city in New York and Texas

While car insurance is regulated by states, insurance companies assign rates by ZIP code to adjust for unique factors such as density and the likelihood of a crash. The specific location to which you move will play a big part in deciding your auto insurance rates.

The below tables show auto insurance rates in major cities in Texas and New York.


AUTO INSURANCE PRICES BY CITY IN NEW YORK
CityAverage Annual Rate
New York$2,681
Buffalo$1,518
Rochester$1,046
Yonkers$1,939
Syracuse$1,108


See a longer list of New York cities here.


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


Seeking data on another city? View rates in smaller Texas cities here.


Additional resources: moving from New York to Texas

When moving from New York to Texas, you’ll encounter new driving laws, different FR-44 or SR-22 requirements, and more. Make sure your move runs smoothly with The Zebra's data on your new state:

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.