Auto insurance is expensive in Texas. The average auto insurance rate in Texas is $1,810 annually — more than the US average by 26.8%.
But auto insurance costs are impacted by factors aside from geography. Auto insurance premiums price based on a number of details, including your marital status, driving history, credit rating, gender, and age.
We analyzed average Texas car insurance premiums by all of the significant pricing qualifications. See below how much auto insurance costs in each state — or enter your zip code to see personalized rates from top car insurance companies.
Average Car Insurance Premiums in Texas by Age
It's a common phenomenon: as you age, your car insurance premiums shift. Generally, auto insurance is more costly for young drivers, as insurers consider inexperienced motorists as less responsible.
In Texas, car insurance runs $7,285 annually for a 16-year-old motorist, versus $1,500 per annum for a driver in his or her 50s.
TEXAS AUTO INSURANCE RATES BY AGE
|Age||Average Yearly Premium|
Average Car Insurance Premiums in Texas by GenderWhile gender doesn’t have as sizable an effect on auto insurance rates as state or age, it is used as a pricing factor. Women pay less than do men for auto insurance in Texas, but the gap is just $23.25 per year.
TEXAS CAR INSURANCE PRICES BY GENDER
|Gender||Average Yearly Rate|
Average Auto Insurance Rates in Texas by Marital Status
One pro of married life — aside from the honeymoon — is the better deal you may get on your car insurance policy. In Texas, married drivers save $187 per year on auto insurance policies. This is more than the US post-wedding price cut of $76.
TEXAS AUTO INSURANCE PREMIUMS BY MARITAL STATUS
|Marital Status||Average Annual Rate|
Average Car Insurance Prices in Texas by Credit Tier
Car insurance companies utilize credit to gauge how responsible a customer will be. Historical data demonstrate drivers who carry excellent credit scores are more dependable car insurance customers: they are less likely to file claims for which insurance companies end up on the hook.
In Texas, a driver boasting excellent credit can save $1,640.97 per year in car insurance premiums, compared with a driver with a poor credit rating. Read more about how credit history may impact car insurance outlays:
TEXAS AUTO INSURANCE RATES BY CREDIT QUALITY
|Credit Quality||Average Annual Rate|
|Very Poor (300-579)||$3,111.84|
|Very Good (740-799)||$1,835.49|
Typical Car Insurance Prices for Bad Drivers in Texas
If you’re determined to be at fault for an accident or convicted of an on-road offense, your auto insurance premiums are bound to rise. The more violations you accumulate, the pricier your car insurance policy gets.
In Texas, your first minor at-fault accident costs $838.85 each year in car insurance premiums. A DUI or DWI — thought of as one of the most grave driving violations — can raise your annual insurance expenditure in Texas by an average of $677.27.
TEXAS CAR INSURANCE PREMIUMS AFTER DRIVING OFFENSES
|Age||Average Yearly Premium|
|At-Fault Accident (<$1,000)||$2,648.47|
|At-Fault Accident ($1,000-$2,000)||$2,702.05|
|At-Fault Accident (>$2,000)||$2,648.47|
|Speeding (21-25 MPH > limit)||$1,889.76|
|Speeding (16-20 MPH > limit)||$1,889.76|
If you're facing above-average car insurance payments, consider weighing your options to find cheap insurance coverage that works.