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| Type of Coverage | Average Cost |
|---|---|
| Full Coverage | $2,445 |
| Minimum Coverage | $695 |
| Full Coverage with a Ticket | $1,825 |
| Full Coverage with an At-Fault Accident | $2,487 |
| Full Coverage with a DWI | $2,255 |
When it comes to full-coverage car insurance, Texans pay an average of $184 per month or $2,205 annually, compared to the national average of $167 per month or $2,008 per year. The cost data in this article is sourced from Quadrant Information Services.
Texas Minimum Car Insurance Requirements
Texas law mandates drivers to have at least:
- $30,000 in bodily injury liability insurance per person
- $60,000 in bodily injury liability insurance per accident
- $25,000 in property damage liability insurance per accident
These coverage limits are often represented as 30/60/25 in insurance documents.
For comprehensive protection, it’s recommended that drivers opt for full-coverage car insurance. In addition to liability insurance, full-coverage policies include:
- Collision coverage: Covers damage to your vehicle resulting from an accident you cause.
- Comprehensive coverage: Covers damage to your car from non-collision incidents like vandalism, theft, fire, or a natural disaster.
- Uninsured motorist coverage: Helps cover medical and repair costs if you’re hit by a driver who doesn’t have adequate auto insurance.
- Personal injury protection (PIP): Helps cover medical expenses for you and your passengers after an accident, regardless of who’s at fault.
- Medical payments coverage (MedPay): Helps cover medical bills, ambulance fees, and funeral expenses for you and your passengers after an accident.
Affordable Texas Car Insurance
The average costs of state-minimum coverage and full-coverage policies for Texas motorists are based on the driver profile of a 35-year-old with a clean driving record and good credit.
Cheapest Minimum-Liability Coverage in Texas
Among national carriers, Allstate, Auto Club, and Geico offer the cheapest liability insurance in Texas. Allstate is the only large insurer offering rates below the national average. Among all insurers, Texas Farm Bureau, State Farm, and USAA provide the least expensive minimum-liability coverage.
Cheapest Full-Coverage Car Insurance in Texas
Allstate, Auto Club, and Geico also offer the cheapest full-coverage car insurance in Texas among large national insurance companies. However, their rates are higher than the national average. Overall, the least expensive policies for Texans are from Texas Farm Bureau, State Farm, and USAA.
Texas Car Insurance Cost by City
Your location significantly influences how much you pay for auto coverage. The table below shows average car insurance rates for a full-coverage policy in the top 25 most populated cities in Texas. These averages are based on the profile of a 35-year-old with a clean driving history and a good credit score.
Texas Car Insurance Cost: Drivers With Violations
Texans with an at-fault accident, speeding ticket, or a DUI or DWI conviction on their driving record pay significantly higher rates than drivers with clean driving histories.
Factors That Determine Car Insurance Costs
Your driving record is only one of the determinant factors in how much you’ll pay for car insurance. Other key factors companies use to calculate your rates include location, age, credit history, gender, marital status, and vehicle type.
How To Save Money on Car Insurance
Comparing car insurance quotes from different providers is one of the best ways to find cheap car insurance. Here are other ways to save money on your auto insurance policy:
- Inquire about discounts.
- Look at smaller local providers.
- Drop unnecessary coverage.
- Increase your deductible.
- Take a defensive driving course.
Average Cost of Car Insurance in Texas: The Bottom Line
Auto insurance rates in Texas are right at the national average. The state only requires that drivers carry bodily injury and property damage liability insurance to drive legally. Among large national carriers, Allstate, Auto Club, and Geico offer the cheapest insurance rates in the Lone Star State for both liability-only and full-coverage policies.
Top Auto Insurance Recommendations
To find the best rates that satisfy your insurance needs and wallet, we recommend getting quotes from several providers. That way, you can get a better sense of what you’re likely to pay based on the coverage options you need. Based on our insurance industry analysis, we found Geico and Progressive to be two of the top providers of affordable car insurance in Texas.
Geico: Best for Budget-Conscious Drivers
If you’re looking for low-cost car insurance, Geico is a wise company to start with during a search. The insurer has a reputation for offering some of the best rates on the market. In addition, Geico has an assortment of discounts available to policyholders looking to cut costs even further.
Progressive: Low Rates for High-Risk Drivers
If you’re a young driver or have any blemishes on your driving record, you may want to consider getting a quote from Progressive. The company is known for offering low rates to drivers considered high-risk. It routinely ranks among the top large providers in the country in terms of cost, but the company’s Snapshot® telematics insurance program rewards drivers for developing and maintaining good driving habits.
FAQ
1. How much does car insurance cost in Texas?
The average annual cost of car insurance in Texas is $2,445 for full coverage and $695 for minimum coverage.
2. What is the standard car insurance coverage in Texas?
Texas law requires drivers to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage.
3. Which is the cheapest car insurance in Texas?
State Farm, Texas Farm Bureau, and Geico are among the cheapest car insurance companies in Texas.
4. How much is car insurance per month in Dallas, TX?
The average cost of a car insurance policy in Dallas is $1,170 per six-month policy — $195 per month.
5. Is car insurance in Texas high?
Car insurance rates in Texas are slightly higher than the national average.
6. How much do most pay for car insurance?
The average cost for car insurance in Texas is $1,505.
7. Who normally has the cheapest car insurance?
State Farm, Texas Farm Bureau, and Geico are among the cheapest car insurance companies nationwide.
8. How much is insurance for an 18-year-old in Texas?
The average annual rate of car insurance for an 18-year-old driver in Texas is $5,370.
9. How much is car insurance in Texas for a 25-year-old?
The average rate for a 25-year-old getting their own policy is $3,459 per year or about $288 per month1.
10. What is the average car insurance cost in Texas per month?
The average cost for car insurance in Texas is $1,505 per year, or approximately $125 per month.
11. How much is car insurance per month?
The average cost for car insurance in Texas is $1,505 per year, or approximately $125 per month.
12. How much is car insurance in Texas for a 21-year-old?
The average rate for a 21-year-old getting their own policy is $3,459 per year or about $288 per month1.
13. How much is car insurance in Texas for a 19-year-old?
The average annual rate of car insurance for a 19-year-old driver in Texas is $3,745.
14. How much is full coverage car insurance in Texas?
The average annual cost of full coverage car insurance in Texas is $2,445.
15. How much is car insurance in Texas for a 23-year-old?
The cost of car insurance for a 23-year-old in Texas would be similar to the average cost for a 25-year-old, which is $3,459 per year or about $288 per month.