Texas Car Insurance Quotes & Rates (2026)

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The average cost of car insurance in Texas is about $209 a month ($2,513 a year) for full coverage and $71 a month ($848 a year) for state-minimum coverage, based on insurers’ filed rates as of August 31, 2026 for a 40-year-old driver with a clean record. That’s about 10% below the national average in our data. State Farm ($184 a month) and Auto Club (AAA, $185) are effectively tied for the lowest full-coverage average, and Houston is the most expensive city we track.

Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services. Written by Michael Giusti.

If you’re a driver in Texas, then it’s your responsibility to ensure you have the right documents to operate and own a car. Before going on the road, you should make sure you have a license, a registered car and an affordable auto insurance policy. InsuranceQuotes is based in Austin, TX and we are here to help you compare multiple Texas car insurance quotes for free. We help you save time and money by getting auto rates all in one place with one simple form.

How Much Does Car Insurance Cost in Texas on Average?

Rates as of August 31, 2026: Texas car insurance averages $209 a month ($2,513 a year) for full coverage and $71 a month ($848 a year) for state-minimum coverage for one benchmark driver, based on insurers’ filed rates. That’s 10% below the national average. See how Texas compares with every state · How we calculate these rates

• Full coverage in Texas averages about $209 a month ($2,513 a year). State-minimum coverage averages about $71 a month ($848 a year).

_{Averages of what 5 insurance brands (8 companies) charge one benchmark driver, a single 40-year-old with good credit, a clean record and a 2024 Toyota Camry LE, across 1,019 Texas ZIP codes, from filed rates compiled by Quadrant Information Services. Full coverage is 100/300/100 liability with $500 deductibles. See how we calculated these rates.}

_{Cost data comes from insurers’ filed auto rates across 1,019 Texas ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Cheapest Car Insurance in Texas: Best Rates by Company

• Cheapest for full coverage: State Farm ($184 a month, $2,208 a year) and Auto Club (AAA, $185) are effectively tied statewide, less than $1 a month apart.
• Cheapest for minimum coverage: State Farm, at about $62 a month ($749 a year), about $11 a month less than GEICO.
• For military families: USAA averages $176 a month for full coverage and $47 for minimum coverage, the lowest in our data, but only members can buy it.
• Most expensive: Progressive, at about $285 a month for full coverage, $1,211 a year more than State Farm.

The cheapest insurer changes by city. Auto Club (AAA) leads in Waco, Amarillo, Laredo and Odessa, State Farm leads in Houston, Corpus Christi and McAllen, and the two are effectively tied in San Antonio, Dallas and Fort Worth. Texas Farm Bureau can come in lower still, but only Farm Bureau members can buy it. You can compare quotes from these and other insurers in one place on InsuranceQuotes.

Texas Farm Bureau Insurance is worth a look if you’re willing to join the Farm Bureau. It requires a paid membership and sells through local agents, and published 2026 rate studies consistently rank it among the cheapest insurers in Texas.

Texas Car Insurance Rates by City

Where you live in Texas matters more than in most states. Among the 42 cities in the table, full coverage ranges from about $2,185 a year in Waco to $2,956 in Houston, a difference of about $64 a month for the same driver and car. By ZIP code the spread is wider still: from about $2,085 a year in Kingsville (78363) to $3,204 in Southwest Houston (77074).

Big-city cores cost the most: Houston, Dallas and nearby Mesquite and Garland top the list. Central Texas and college towns are cheapest, including Waco, Denton, Round Rock and Georgetown, and the Bryan–College Station ZIP codes are among the lowest in the state. The 16 cities with their own InsuranceQuotes page are linked in the table.

Texas City Car Insurance Guides

Each city guide has local prices, the cheapest insurers there and, for the bigger cities, ZIP-code detail. Waco is the cheapest city we cover and Houston the most expensive, a gap of about $64 a month for the same driver.

How Much Does Full Coverage Car Insurance Cost in Texas?

Full coverage costs about $1,665 a year more than a state-minimum policy in Texas, roughly $139 a month, because it adds comprehensive and collision coverage for your own car. Lenders require both if you finance or lease.

Higher liability limits are much cheaper. Moving from 50/100/50 to 100/300/100 liability, with comprehensive and collision on both, adds only about $210 a year ($18 a month) statewide in our data. The Texas minimum of $30,000 per injured person rarely covers a serious crash.

Average Cost of Car Insurance in Texas by County (2026)

Here’s what our benchmark driver pays in each of the 179 Texas counties we sample, from insurers’ filed rates as of August 31, 2026. Harris County is the most expensive large county at about $240 a month for full coverage, and Brazos County is among the least expensive at about $178. Counties with only one or two sampled ZIP codes can swing more than larger ones, so the ZIP count is shown for each county.

*SEARCH FOR YOUR COUNTY*

How Does Age Affect Car Insurance Costs

Age is a significant factor that affects Texas car insurance costs. Generally, younger and older drivers tend to pay higher premiums compared to drivers in their middle age. Here’s how age can influence car insurance costs:

1. Young drivers (under 25): Statistically, young and inexperienced drivers are more likely to be involved in accidents. They are also prone to riskier driving behaviors, such as speeding or distracted driving. As a result, insurance companies consider them higher risk, and their premiums are typically more expensive.
2. Middle-aged drivers (25-65): This age group is generally considered to be more experienced and responsible behind the wheel. They are statistically involved in fewer accidents and tend to have lower insurance premiums compared to younger and older drivers.
3. Senior drivers (65 and older): As drivers get older, their risk profile may change due to factors such as declining vision, slower reflexes, and potential health issues. Insurance companies may increase premiums for older drivers to reflect these factors and the increased likelihood of accidents.

The table below comes from an additional InsuranceQuotes rate analysis with its own driver profile and shows how prices change with age. In it, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage.

Texas Auto Insurance Costs by City:

Each city page below has current filed-rate averages, the cheapest insurers in that city and, for the larger cities, rates for every ZIP code.

Austin Car Insurance Rates

Houston Car Insurance Rates

Dallas–Fort Worth Car Insurance Rates

San Antonio Car Insurance Rates

El Paso Car Insurance Rates

Beaumont Car Insurance Rates

Corpus Christi Car Insurance Rates

Galveston Car Insurance Rates

Frisco Car Insurance Rates

Amarillo Car Insurance Rates

Want to save even more? Bundling your car with Texas home insurance usually earns a multi-policy discount, so it pays to price both together.

Texas Car Insurance Requirements (30/60/25 Liability)

Texas sets the rules for every driver in Texas. To register and drive a car, you need liability insurance of at least:

• $30,000 for injuries to one person
• $60,000 for injuries to everyone in one crash
• $25,000 for damage to other people’s property

That’s known as 30/60/25 coverage. Insurers must also offer personal injury protection (PIP) of at least $2,500 per person and uninsured/underinsured motorist coverage. Both are added to your policy unless you reject them in writing. The rules and penalties are explained in the Texas Department of Insurance auto insurance guide. Texas is an at-fault state, so the driver who causes a crash pays for the damage through their liability coverage.

Finding Auto Insurance Resources in Texas

If you want to know more about auto insurance in Texas, there are many places you can go. First, the Texas Department of Insurance website has important information on auto insurance and other types of coverage in the state.

There are two different offices for driver’s licenses and car registration. If you want to know how to get a new license, transfer your license or get your driving record, contact the Texas Department of Public Safety (DPS). The Texas Department of Motor Vehicles or TxDMV, on the other hand, manages vehicle registration, inspections and even car dealer applications.

How Much Does Auto Insurance Cost in TX with a DUI Violation?

A DWI conviction raises Texas car insurance rates more than any other violation, and most insurers also require an SR-22 filing. Our filed-rate averages above are for a clean-record driver. Expect a DWI to raise your premium sharply for several years, so compare quotes again once it ages off your record.

This table shows how insurers priced a driver with a DUI in an additional InsuranceQuotes rate analysis with its own driver profile. USAA charged the least and AAA the most for full coverage, a gap of about 31%.

Tips for Saving on Texas Auto Insurance

Some motorists can qualify for auto insurance discounts based on certain criteria, including:

1. If you are or have a young driver in the home, you know that teen drivers are more expensive to insure. Young drivers can, however, may get a discount by taking a DPS-approved driver education course.

2. Never let your insurance lapse. Texas law states that companies can hike your premiums if you drove uninsured for more than 30 days in the previous 12 months before your application.

3. Watch your credit score. According to the Texas Department of Insurance and the Office of Public Insurance Counsel, some companies may use your credit history as a factor when calculating your insurance premium. However, an insurance company can’t deny you coverage or cancel your policy based solely on your credit report.

Moving to Texas: Important Information

If you are moving to Texas from another state, don’t forget to take care of your license and car registration. According to TxDMV, you must register your car within 30 days of moving to Texas. To do this, you need to get a vehicle inspection, and then go to the county tax assessor-collector to get a title and registration.

To get a new Texas driver’s license, you must have been living in the state for at least 30 days. However, if you have a valid license from another state, you can surrender your out of state license and get a Texas license without taking any of the knowledge tests. You must do this within 90 days of moving to the state.

Understanding Driving Laws in Texas

Switching to a Texas license from another state’s license is simple because most traffic laws are the same from state to state. However, before you go out on the roads, make sure you read up on unique Texas driving laws.

There are some offenses that Texas considers severe enough for mandatory suspension. While some are obvious, such as felonies and providing false information, there are offenses on a smaller scale you should know, including:

• Overtaking and passing a school bus operating stop lights or a sign, even when safe to do so.
• Using a fake, suspended, revoked or altered license.
• Using someone else’s license.
• Lending out a permit or license.

Teen Driving Laws in Texas

In Texas, Graduated Driver Licensing (GDL) laws are in place to help teenagers safely gain experience driving. 

• At the age of 15, Texan teens can apply for a learner’s permit, allowing them to drive as long as they are with a licensed driver who is 21 years old
• At the age of 16, they can then get a provisional license, which allows them to drive alone but with curfew restrictions and a passenger limit for non-family members. They can obtain this by
  • Holding a learner’s permit for a minimum of six months;
  • Completing classroom and behind-the-wheel portions of driver education;
  • Passing the Impact Texas Teen Driver (ITTD) course
  • Obtaining a passing score on the driving test. 
• At the age of 18, they can receive a full license and all restrictions are lifted. 

Frequently Asked Questions About Texas Auto Insurance

1. Is your insurance valid in other places?

Other U.S. states and Canada will recognize your auto insurance. However, you will need to purchase additional insurance if you plan to go to Mexico, as this country does not accept most types of foreign insurance policies.

2. What are your rights as a consumer?

Texas insurance law has a Bill of Rights that outlines all your rights as a consumer. This includes the right to information from your insurance company, protection from excess limits, and information on payment plans and privacy.

3. Can a company cancel your policy as a result of a speeding ticket?

Yes, especially within the first 60 days of the policy’s implementation, as during this period Texas insurance companies can cancel a policy for any reason. Few insurers will cancel your policy based on one ticket, but they may raise your premium.

How to Get Great Rates on Texas Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free Texas car insurance quotes within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

Texas Farm Bureau, Allstate and Farmers: How They Compare

Texas Farm Bureau Insurance, Allstate and Farmers all sell car insurance across Texas. Published 2026 rate studies consistently put Texas Farm Bureau among the cheapest insurers in the state, while Allstate and Farmers tend to price well above the Texas average for a driver like ours.

The catch with Texas Farm Bureau is eligibility. You have to buy a paid Farm Bureau membership first, and it sells through local agents rather than online. If you’d rather not join, State Farm and Auto Club (AAA) have the lowest statewide averages in our filed-rate data, just $9 a year apart for full coverage.

Texas Hail, Floods and Why Comprehensive Coverage Matters

Texas sits in Hail Alley, and spring storms regularly damage cars along the I-35 corridor from Dallas–Fort Worth through Waco, Austin and San Antonio, and across the Panhandle and South Plains. The Gulf Coast adds hurricanes and flooding: Hurricane Harvey flooded hundreds of thousands of vehicles around Houston in 2017.

Only comprehensive coverage pays for hail, flood, wind and falling-tree damage to your car. That’s a big part of why full coverage costs so much more than a liability-only policy in Texas, and why dropping it is risky if you park outside. If you need a lower premium, raising your deductible is usually safer than dropping comprehensive.

How Does Your Driving Record Affect Your Texas Car Insurance Rate?

Our averages are for a driver with no accidents or violations. Tickets and at-fault crashes raise your premium, and a DWI raises it the most. A DWI conviction in Texas usually also requires an SR-22 certificate of insurance, and repeat offenses within five years require an ignition interlock device.

Surcharges usually fade after three to five years. Because each insurer weighs violations differently, a driver with a ticket or accident on their record has even more to gain from comparing quotes.

How Much Does Credit Score Affect Your Texas Car Insurance Rate?

Texas allows insurers to use a credit-based insurance score when setting rates, though an insurer can’t deny or cancel your policy based on credit alone. Our benchmark driver has good credit; drivers with poor credit typically pay considerably more. Improving your credit and then re-shopping your policy is one of the most effective long-term ways to lower your rate in Texas.

More Texas Car Insurance Breakdowns

The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Texas averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.

Texas Car Insurance Costs by County and Vehicle Type

This breakdown shows how the type of car changes the price in each Texas county. Across the 254 counties listed, SUV policies cost the least on average and hybrid policies the most, about 24% more. Search the table for your county.

New Car Insurance Rates in Texas

Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.

How We Calculated Texas Car Insurance Rates

InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.

• Sample: 16,304 quotes (8,152 full coverage and 8,152 state minimum) from 8 insurance companies, grouped into 5 brands, in 1,019 ZIP codes across Texas.
• Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the 30/60/25 liability Texas requires.
• Calculation: for each brand we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every brand-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: USAA is shown but not ranked because only military members, veterans and their families can buy it. Prices within 3% of each other are called effectively tied.
• What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
• Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
• What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.

Coverage requirements come from the Texas Department of Insurance. We refresh these figures when new filed-rate data is released.

Texas Car Insurance FAQ