What's the Average Cost of Auto Insurance in Texas?

The Zebra
Feb. 7, 2019

Car insurance is expensive in Texas. The average car insurance rate in Texas is $1,810 per year — 26.8% more than the US average.

But auto insurance costs are affected by more than just state lines. Auto insurance premiums incorporate a number of factors, including a motorist's age, gender, marital status, credit, and driving history.

We reviewed mean Texas auto insurance premiums by each of the significant pricing factors. Read on to see how much auto insurance costs in your state — or enter your zip code to view unique rates from leading insurance companies.


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Average Texas car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Premiums in Texas by Age

It's a common phenomenon: as you age, your car insurance rates change. Typically, car insurance is more costly for young drivers and teens, as car insurers see inexperienced drivers as less responsible.

In Texas, auto insurance costs $7,285 annually for a 16-year-old driver, compared to $1,500 per year for a client between 50 and 59 years of age.


TEXAS CAR INSURANCE RATES BY AGE BRACKET
AgeAverage Yearly Rate
16$7,284.81
17$6,566.93
18$5,370.11
19$3,745.82
20s$2,151.41
30s$1,746.39
40s$1,687.62
50s$1,500.38
60s$1,563.29
70s$1,935.64

If you're facing the frightful prospect of finding insurance for a teen driver, consider that Texas is the 37th cheapest state in which to buy auto insurance for a 16-year-old.




Average Auto Insurance Costs in Texas by Gender

While gender doesn’t have as significant an impact on car insurance costs as a driver's location or age, it is used as a rating factor by auto insurers.


TEXAS CAR INSURANCE PREMIUMS BY GENDER
GenderAverage Yearly Premium
Male$1,774.17
Female$1,750.93

If you think you aren't getting the best value for your money with your present auto insurance company, the best thing to do is to compare rates and shop around.




Mean Auto Insurance Rates in Texas by Marriage Status

A benefit of nuptials — aside from the wedding gifts — is the better deal you may get on your car insurance policy. In Texas, married motorists save $187 per year on car insurance policies. This is a better deal than the national mean of $76.


TEXAS AUTO INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,774.17
Married$1,586.85
Divorced$1,774.17
Widowed$1,603.78

Car insurance for divorced drivers in Texas is the 6th most expensive in the US. If you are being overcharged for your car insurance, shop around. You never know what savings you'll find!




Average Car Insurance Prices in Texas by Credit

Car insurers rely on credit history as a way of determining how responsible a customer will be. Data trends show drivers with exceptional credit scores are more insurable car insurance customers: they less commonly file claims that cost auto insurance companies money.

In Texas, a driver who carries outstanding credit saves $1,640.97 per year in insurance payments, compared to a driver saddled with a bad credit history. Learn more about how credit history can impact car insurance expenses:


TEXAS AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Yearly Rate
Very Poor (300-579)$3,111.84
Fair (580-669)$2,632.57
Good (670-739)$2,182.70
Very Good (740-799)$1,835.49
Exceptional (800-850)$1,470.87

Finding inexpensive car insurance with a bad credit history can be stressful. But we're here to provide some help. Check out our guide to finding car insurance with poor credit and learn how to save!




Average Auto Insurance Premiums for Bad Drivers in Texas

If you’re discovered to be at fault in an accident or convicted of a vehicular offense, your insurance rates are bound to rise. The more red flags you accrue, the pricier your car insurance gets.

In Texas, your first minor at-fault crash leads to a penalty of $838.85 per year in auto insurance payments. A DUI — considered among the most grave driving violations — can raise your yearly insurance rates in Texas by an average of $677.27.


TEXAS AUTO INSURANCE PRICES AFTER TICKETS
AgeAverage Annual Premium
DWI/DUI$2,486.89
Reckless Driving$2,421.36
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
Open Container$2,342.24
Speeding (21-25 MPH > limit)$1,889.76
Speeding (16-20 MPH > limit)$1,889.76

If you're tired of dealing with expensive car insurance, it's worth shopping policies to find affordable coverage that suits your needs.




Average Car Insurance Prices by Coverage in Texas

How much you pay per month for auto insurance depends on the level of coverage you elect to carry. Liability-only coverage usually is less expensive, while low-deductible comprehensive coverage costs more. In Texas, the price differential between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $1,277.


TEXAS CAR INSURANCE COSTS BY COVERAGE TYPE
Coverage LevelAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$951
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,966
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$2,234
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$841
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,852
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$2,120
State Minimum — Liability Only$782
State Minimum — $1,000 Comprehensive/Collision$1,791
State Minimum — $500 Comprehensive/Collision$2,059

If you are looking for a better deal on auto insurance, consider shopping around to discover affordable insurance coverage that fits your needs.


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