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 here.
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 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:
