Is Car Insurance Cheaper in New York or Texas?

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By Kristine Lee

Updated January 31, 2023

Edited By Ross Martin

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:

Insurance rate comparison
Rates by coverage level
Cheap companies by state
Rates in major cities
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

State	Average 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

State	Period	Cost
New York	Annual	$887
Texas	Annual	$782
New York	6-Month	$443
Texas	6-Month	$391
New York	Monthly	$74
Texas	Monthly	$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

State	Time Period	Premium
New York	Annual	$1,786
Texas	Annual	$2,120
New York	6-Month	$893
Texas	6-Month	$1,060
New York	Monthly	$149
Texas	Monthly	$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 Company	Average 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

Insurer	Average 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

City	Average 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.

CAR 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

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

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:

Car Insurance Comparison: New York vs. Texas