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

The Zebra
Oct. 12, 2018

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
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



Average Car Insurance Premiums in Texas by Gender

While 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
Male $1,774.17
Female $1,750.93



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
Single $1,774.17
Married $1,586.85
Divorced $1,774.17
Widowed $1,603.78



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
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



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
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 facing above-average car insurance payments, consider weighing your options to find cheap insurance coverage that works.


Compare car insurance policies today!

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