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Texas Car Insurance Quotes & Average Rates

Full coverage car insurance in Texas is estimated at $2,755 a year, or $230 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $805 a year. Texas is an at-fault state, and drivers must carry 30/60/25 liability limits. Below you will find estimated rates for 187 Texas cities, a breakdown by age and driving record, and the coverage the state actually requires.

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Car insurance calculator — Texas

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$230/ month
$2,755 per year · carriers in Texas typically quote $1,956 – $3,802
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Texas

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$2,094$175-24%Military members and families only
Geico$2,259$188-18%Usually cheapest for clean records
State Farm$2,424$202-12%Strong for young and student drivers
Progressive$2,617$218-5%Competitive after a ticket or accident
Travelers$2,672$223-3%Good multi-policy discounts
Nationwide$2,755$2300%Mid-market, wide availability
Allstate$3,141$262+14%Higher base rate, heavy discount stacking
Farmers$3,334$278+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Texas. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Texas car insurance rates by age

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$7,441$2,175$620
18 years old$6,276$1,835$523
20 years old$5,197$1,519$433
22 years old$4,317$1,262$360
25 years old$3,294$963$275
30 years old$2,840$830$237
40 years old$2,670$780$222
50 years old$2,556$747$213
60 years old$2,528$739$211
65 years old$2,641$772$220
70 years old$2,897$847$241
75 years old$3,380$988$282

Estimated premiums by age in Texas, clean record, sedan.

How violations change your Texas premium

Driving recordEst. annualIncrease
Clean record$2,755—
1 speeding ticket$3,388+23%
1 at-fault accident$4,050+47%
DUI / DWI$5,207+89%

What a violation costs a 35-year-old in Texas. Surcharges normally stay on the policy for three to five years.

A DUI in Texas usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

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Texas minimum insurance requirements

Required coverage in TexasMinimum limit
Bodily injury liability, per person$30,000
Bodily injury liability, per accident$60,000
Property damage liability$25,000
Insurance systemAt-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the Texas Department of Insurance before you buy.

Coverage levels in Texas

Coverage levelEst. annualEst. monthly
State minimum liability$805$67
Full coverage (100/300/100 + comp & collision)$2,755$230
Full coverage, high limits + low deductible$3,278$273

Coverage level comparison for Texas.

Car insurance rates in Texas cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 187 Texas cities we price.

Houston$3,127San Antonio$3,127Dallas$3,127Fort Worth$3,127Austin$2,926El Paso$2,926Arlington$2,724Corpus Christi$2,724Plano$2,724Laredo$2,724Lubbock$2,724Garland$2,724Irving$2,724Cypress$2,724Amarillo$2,724Grand Prairie$2,724Brownsville$2,724McKinney$2,724Frisco$2,724Pasadena$2,724Mesquite$2,522Killeen$2,522McAllen$2,522Carrollton$2,522Midland$2,522Waco$2,522Denton$2,522Abilene$2,522Round Rock$2,522Beaumont$2,522Odessa$2,522Richardson$2,522Pearland$2,522College Station$2,522Wichita Falls$2,522Lewisville$2,522Tyler$2,522San Angelo$2,522League City$2,522Allen$2,522The Woodlands$2,522Sugar Land$2,522Edinburg$2,522Mission$2,522Longview$2,522Bryan$2,522Pharr$2,522Baytown$2,522Missouri City$2,522Temple$2,522Flower Mound$2,522New Braunfels$2,522North Richland Hills$2,522Conroe$2,522Victoria$2,522Cedar Park$2,522Harlingen$2,522Celina$2,522Mansfield$2,522Georgetown$2,522San Marcos$2,522Rowlett$2,522Leander$2,371Pflugerville$2,371Port Arthur$2,371Spring$2,371Euless$2,371DeSoto$2,371Grapevine$2,371The Trails of Frisco$2,371Galveston$2,371Bedford$2,371Cedar Hill$2,371Texas City$2,371Wylie$2,371Keller$2,371Haltom City$2,371Burleson$2,371Schertz$2,371Rockwall$2,371The Colony$2,371Coppell$2,371Huntsville$2,371Sherman$2,371Duncanville$2,371Weslaco$2,371Hurst$2,371Lancaster$2,371Friendswood$2,371Little Elm$2,371Channelview$2,371Texarkana$2,371San Juan$2,371Mission Bend$2,371Lufkin$2,371Del Rio$2,371Kyle$2,371Rosenberg$2,371La Porte$2,371Nacogdoches$2,371Deer Park$2,371Cibolo$2,371Waxahachie$2,371Socorro$2,371Copperas Cove$2,371Farmers Branch$2,371Cleburne$2,371Southlake$2,245Fort Cavazos$2,245Harker Heights$2,245Big Spring$2,245Eagle Pass$2,245Weatherford$2,245Socorro Mission Number 1 Colonia$2,245Seguin$2,245Lake Jackson$2,245Greenville$2,245Kingsville$2,245Alvin$2,245Colleyville$2,245Balch Springs$2,245Paris$2,245Sachse$2,245Watauga$2,245San Benito$2,245Corsicana$2,245Marshall$2,245Denison$2,245Kerrville$2,245Hutto$2,245West Odessa$2,245Benbrook$2,245Midlothian$2,245Saginaw$2,245Converse$2,245Brushy Creek$2,245Canyon Lake$2,245Corinth$2,245Plainview$2,245Murphy$2,245Belton$2,245Stephenville$2,245New Caney$2,245Universal City$2,245Dickinson$2,245Angleton$2,245Alice$2,245Orange$2,245Horizon City$2,245Alamo$2,245Fresno$2,245Brownwood$2,245Ennis$2,245Stafford$2,245Forney$2,245Palestine$2,245Cinco Ranch$2,245Pampa$2,245Bay City$2,245South Houston$2,245Nederland$2,245White Settlement$2,245Terrell$2,245Taylor$2,245Mercedes$2,245Brenham$2,245Donna$2,245Uvalde$2,245Gainesville$2,245Katy$2,245Highland Village$2,245Portland$2,245Sulphur Springs$2,245Mount Pleasant$2,245Prosper$2,245Pecan Grove$2,245La Marque$2,245Seagoville$2,245Alton$2,245Groves$2,245Gatesville$2,245Humble$2,245Addison$2,245Live Oak$2,245New Territory$2,245Hereford$2,245Dumas$2,245

Frequently asked questions

▸How much is car insurance in Texas?
Full coverage in Texas is estimated at $2,755 a year, or $230 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $805 a year.
▸What car insurance is required in Texas?
Texas requires $30,000 bodily injury liability per person, $60,000 per accident and $25,000 property damage.
▸Is Texas a no-fault state?
No. Texas is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.
▸Which Texas city has the cheapest car insurance?
Of the 187 Texas cities we price, Dumas carries the lowest estimate at $2,245 a year, while Houston is highest at $3,127. Urban density is the main driver of the gap.
▸How can I get cheaper car insurance in Texas?
Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.
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