For a 40-year-old driver with a clean record, Texas car insurance averages about $251 a month ($3,011 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 5% above the national average in our data. It’s higher than in Arkansas, New Mexico and Oklahoma but lower than in Louisiana. State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $184 and $185 a month.
Texas car insurance: key numbers
Where you live matters. The Houston and Dallas areas and the Panhandle cost the most in our data: Dallas County and Harris County average about $285 and $284 a month, and Potter County, home to Amarillo, $278. Much of Central and South Texas costs less, and Brewster County, in the Big Bend, is the least expensive of the 179 counties we price, at $209. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.
Cost data comes from the auto rates insurers file with state regulators, priced across 1,019 Texas ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 12, 2026.
For full coverage, Texas drivers pay about $251 a month ($3,011 a year) on average. Liability-only coverage at the state minimum of 30/60/25 runs about $89 a month ($1,065 a year). Those figures are for a 40-year-old driver with a clean record and use the rates insurers had filed with state regulators as of Sept. 30, 2026.
Full coverage in Texas averages $3,011 a year, or about $251 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $1,065 a year ($89 a month), and 50/100/50 liability with comprehensive and collision averages $2,745 ($229 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $459 a month is 2.2 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Texas average would be about $209 a month.
Full-coverage averages: Texas and its neighbors
Monthly, for the same benchmark driver and car in each state. Select a state to see its guide.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
Texas’ average is about $47 a month above Arkansas’, $37 below Louisiana’s, $46 above New Mexico’s and $8 above Oklahoma’s. It’s the 11th-highest of the 50 states and Washington, D.C., in our data. Without Allstate, Texas’ average of about $209 a month would be $5 above Arkansas’, $79 below Louisiana’s, $4 above New Mexico’s and $34 below Oklahoma’s.
State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the insurers in our Texas rate data that are among insurers anyone can buy from. USAA averages even less, at $182 a month, but it sells only to military members, veterans and their families. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $62 a month, followed by GEICO at $73. USAA comes in even lower, at about $49 a month, but it sells only to military families.
Full-coverage averages by insurer in Texas
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $582 | $49 | $2,183 | $182 |
| State Farm | $749 | $62 | $2,206 | $184 |
| Auto Club (AAA) | $915 | $76 | $2,217 | $185 |
| GEICO | $878 | $73 | $2,617 | $218 |
| Progressive | $1,124 | $94 | $3,332 | $278 |
| Allstate | $2,143 | $179 | $5,508 | $459 |
| Texas Farm Bureau* | $539 | $45 | $1,409 | $117 |
| Farmers* | $1,366 | $114 | $4,654 | $388 |
| Texas average | $1,065 | $89 | $3,011 | $251 |
These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past 10 months.
USAA
Full coverage up 8.5% in the past 10 months $182/mo full coverageSells only to military members, veterans and their families, so we list it separately. It raised its full-coverage average 8.5% in the past 10 months and cut its liability-only average 12.6%.
State Farm
Full coverage about unchanged in the past 10 months $184/mo full coverageEffectively tied for the lowest full-coverage average statewide and first for liability-only coverage, among 5 major insurers. Its full-coverage prices are about the same as 10 months earlier.
Auto Club (AAA)
Full coverage down 6.3% in the past 10 months $185/mo full coverageEffectively tied for the lowest full-coverage average statewide and third for liability-only coverage, among 5 major insurers. It cut its full-coverage average 6.3% in the past 10 months and cut its liability-only average 7.8%.
GEICO
Full coverage up 3.5% in the past 10 months $218/mo full coverageThird of five open-market insurers for full coverage and second among 5 major insurers for liability-only coverage statewide. It raised its full-coverage average 3.5% in the past 10 months and raised its liability-only average 1.2%.
Progressive
Full coverage down 4.7% in the past 10 months $278/mo full coverageFourth of five open-market insurers for full coverage and fourth among 5 major insurers for liability-only coverage statewide. It cut its full-coverage average 4.7% in the past 10 months and raised its liability-only average 6.0%. Its statewide average is about 51% above State Farm’s.
Allstate
New in the past 10 months $459/mo full coverageFifth of five open-market insurers for full coverage and fifth among 5 major insurers for liability-only coverage statewide. It’s new in our rates in the past 10 months, so we can’t compare its prices over time. Its full-coverage average is about 2.2 times the average of the other five insurers.
Also selling in Texas
Priced from published studiesOur statewide figures are about $117 a month for Texas Farm Bureau and $388 for Farmers.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Texas ZIP codes, their full-coverage average fell from $2,523 a year 10 months earlier to $2,511 in rates as of Sept. 30, 2026, a 0.5% drop. Auto Club (AAA) cut its Texas average 6.3% and Progressive 4.7%, while USAA raised its average 8.5% and GEICO 3.5%; State Farm’s average was about unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Texas average above. Liability-only coverage at 30/60/25 limits fell 2.0%, led by USAA, which cut its liability-only average 12.6%.
Change in full-coverage averages over the past 10 months
Same driver, same insurer, same ZIP codes. Statewide averages.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.
Texas’ full-coverage average is the 11th-highest of the 50 states and Washington, D.C., in our data. Four things stand out in our numbers and in state law.
Among cities with at least five ZIP codes in our data, Dallas is the most expensive, at $293 a month for full coverage, followed by Houston at $292 and Garland at $280. Wichita Falls is the least expensive, at about $213. Across all 505 cities and towns we price, averages run from about $294 in Balch Springs to $209 in Alpine, College Station and Sheppard AFB.
Full-coverage averages in Texas cities with five or more ZIP codes
Monthly, cities with at least five ZIP codes in our data. Dark bars have a city guide.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
The table lists all 505 Texas cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.
| City or Town: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Balch Springs | 1 | $1,276 | $106 | $3,527 | $294 |
| Dallas | 44 | $1,270 | $106 | $3,518 | $293 |
| Houston | 94 | $1,323 | $110 | $3,506 | $292 |
| Galena Park | 1 | $1,289 | $107 | $3,471 | $289 |
| Hutchins | 1 | $1,234 | $103 | $3,471 | $289 |
| Mesquite | 3 | $1,251 | $104 | $3,430 | $286 |
| Lancaster | 2 | $1,229 | $102 | $3,417 | $285 |
| South Houston | 1 | $1,273 | $106 | $3,388 | $282 |
| Wilmer | 1 | $1,201 | $100 | $3,384 | $282 |
| Channelview | 1 | $1,257 | $105 | $3,368 | $281 |
| Garland | 5 | $1,244 | $104 | $3,362 | $280 |
| DeSoto | 1 | $1,224 | $102 | $3,354 | $280 |
| Stafford | 1 | $1,295 | $108 | $3,335 | $278 |
| Duncanville | 2 | $1,199 | $100 | $3,312 | $276 |
| Crosby | 1 | $1,231 | $103 | $3,311 | $276 |
| Humble | 3 | $1,271 | $106 | $3,310 | $276 |
| Amarillo | 12 | $960 | $80 | $3,306 | $276 |
| Sunnyvale | 1 | $1,191 | $99 | $3,302 | $275 |
| Weslaco | 2 | $1,234 | $103 | $3,285 | $274 |
| Rowlett | 2 | $1,225 | $102 | $3,280 | $273 |
| Highlands | 1 | $1,225 | $102 | $3,277 | $273 |
| Bellaire | 1 | $1,268 | $106 | $3,264 | $272 |
| Grand Prairie | 4 | $1,195 | $100 | $3,260 | $272 |
| Fresno | 1 | $1,264 | $105 | $3,251 | $271 |
| Pasadena | 5 | $1,226 | $102 | $3,226 | $269 |
| Penitas | 1 | $1,208 | $101 | $3,212 | $268 |
| Edinburg | 3 | $1,229 | $102 | $3,205 | $267 |
| Hidalgo | 1 | $1,228 | $102 | $3,198 | $267 |
| Seagoville | 1 | $1,107 | $92 | $3,192 | $266 |
| Cedar Hill | 1 | $1,154 | $96 | $3,191 | $266 |
| Red Oak | 1 | $1,151 | $96 | $3,186 | $266 |
| Baytown | 3 | $1,180 | $98 | $3,181 | $265 |
| Addison | 1 | $1,164 | $97 | $3,181 | $265 |
| Sullivan City | 1 | $1,176 | $98 | $3,179 | $265 |
| Edcouch | 1 | $1,210 | $101 | $3,173 | $264 |
| Mission | 3 | $1,202 | $100 | $3,168 | $264 |
| Bridge City | 1 | $1,160 | $97 | $3,168 | $264 |
| Irving | 6 | $1,163 | $97 | $3,164 | $264 |
| Port Arthur | 2 | $1,150 | $96 | $3,164 | $264 |
| Missouri City | 2 | $1,233 | $103 | $3,158 | $263 |
| Huffman | 1 | $1,209 | $101 | $3,152 | $263 |
| Lubbock | 13 | $983 | $82 | $3,151 | $263 |
| Cleveland | 2 | $1,128 | $94 | $3,150 | $263 |
| Jbsa Lackland | 1 | $1,175 | $98 | $3,148 | $262 |
| San Juan | 1 | $1,216 | $101 | $3,147 | $262 |
| Pharr | 1 | $1,203 | $100 | $3,143 | $262 |
| Slaton | 1 | $974 | $81 | $3,141 | $262 |
| Nederland | 1 | $1,169 | $97 | $3,140 | $262 |
| Alamo | 1 | $1,205 | $100 | $3,139 | $262 |
| Winnie | 1 | $1,143 | $95 | $3,137 | $261 |
| McAllen | 3 | $1,214 | $101 | $3,135 | $261 |
| Donna | 1 | $1,198 | $100 | $3,134 | $261 |
| Orange | 2 | $1,102 | $92 | $3,132 | $261 |
| Nevada | 1 | $1,130 | $94 | $3,129 | $261 |
| Groves | 1 | $1,169 | $97 | $3,128 | $261 |
| Beaumont | 7 | $1,177 | $98 | $3,123 | $260 |
| Anahuac | 1 | $1,111 | $93 | $3,123 | $260 |
| Lavon | 1 | $1,147 | $96 | $3,121 | $260 |
| Richardson | 3 | $1,150 | $96 | $3,117 | $260 |
| Dayton | 1 | $1,107 | $92 | $3,116 | $260 |
| Canyon | 1 | $945 | $79 | $3,116 | $260 |
| Elmendorf | 1 | $1,106 | $92 | $3,110 | $259 |
| San Elizario | 1 | $1,049 | $87 | $3,110 | $259 |
| Sachse | 1 | $1,146 | $96 | $3,103 | $259 |
| Levelland | 1 | $869 | $72 | $3,103 | $259 |
| San Antonio | 53 | $1,157 | $96 | $3,100 | $258 |
| Muleshoe | 1 | $840 | $70 | $3,094 | $258 |
| Wylie | 1 | $1,133 | $94 | $3,088 | $257 |
| Katy | 4 | $1,203 | $100 | $3,086 | $257 |
| Arlington | 13 | $1,142 | $95 | $3,084 | $257 |
| Splendora | 1 | $1,132 | $94 | $3,084 | $257 |
| Liberty | 1 | $1,091 | $91 | $3,080 | $257 |
| Sugar Land | 3 | $1,200 | $100 | $3,077 | $256 |
| Atascosa | 1 | $1,083 | $90 | $3,076 | $256 |
| Cypress | 2 | $1,196 | $100 | $3,072 | $256 |
| Forney | 1 | $1,112 | $93 | $3,071 | $256 |
| Del Valle | 1 | $1,117 | $93 | $3,070 | $256 |
| Von Ormy | 1 | $1,072 | $89 | $3,070 | $256 |
| Mercedes | 1 | $1,152 | $96 | $3,061 | $255 |
| Ferris | 1 | $1,101 | $92 | $3,060 | $255 |
| Shepherd | 1 | $1,057 | $88 | $3,058 | $255 |
| Silsbee | 1 | $1,072 | $89 | $3,055 | $255 |
| Hockley | 1 | $1,159 | $97 | $3,052 | $254 |
| Rosharon | 1 | $1,143 | $95 | $3,052 | $254 |
| Palmer | 1 | $1,097 | $91 | $3,051 | $254 |
| Rockwall | 2 | $1,094 | $91 | $3,049 | $254 |
| Vidor | 1 | $1,076 | $90 | $3,047 | $254 |
| Fritch | 1 | $807 | $67 | $3,046 | $254 |
| Port Neches | 1 | $1,128 | $94 | $3,044 | $254 |
| Eagle Pass | 1 | $1,065 | $89 | $3,043 | $254 |
| Carrollton | 3 | $1,133 | $94 | $3,040 | $253 |
| Tulia | 1 | $785 | $65 | $3,039 | $253 |
| New Caney | 1 | $1,135 | $95 | $3,034 | $253 |
| Richmond | 3 | $1,198 | $100 | $3,032 | $253 |
| Kennedale | 1 | $1,133 | $94 | $3,032 | $253 |
| Brookshire | 1 | $1,131 | $94 | $3,031 | $253 |
| Littlefield | 1 | $842 | $70 | $3,031 | $253 |
| Porter | 1 | $1,147 | $96 | $3,030 | $253 |
| Wolfforth | 1 | $949 | $79 | $3,030 | $253 |
| Tomball | 2 | $1,179 | $98 | $3,024 | $252 |
| Farmersville | 1 | $1,110 | $93 | $3,024 | $252 |
| Shallowater | 1 | $896 | $75 | $3,023 | $252 |
| Waller | 1 | $1,112 | $93 | $3,022 | $252 |
| Blanco | 1 | $934 | $78 | $3,022 | $252 |
| Friendswood | 1 | $1,183 | $99 | $3,020 | $252 |
| Needville | 1 | $1,151 | $96 | $3,018 | $252 |
| Lumberton | 1 | $1,072 | $89 | $3,017 | $251 |
| Post | 1 | $793 | $66 | $3,015 | $251 |
| Galveston | 3 | $1,143 | $95 | $3,013 | $251 |
| Friona | 1 | $797 | $66 | $3,012 | $251 |
| Webster | 1 | $1,169 | $97 | $3,011 | $251 |
| Royse City | 1 | $1,075 | $90 | $3,011 | $251 |
| Hempstead | 1 | $1,048 | $87 | $3,009 | $251 |
| Borger | 1 | $801 | $67 | $3,009 | $251 |
| Sour Lake | 1 | $1,072 | $89 | $3,007 | $251 |
| Terrell | 2 | $1,041 | $87 | $3,006 | $251 |
| Bacliff | 1 | $1,157 | $96 | $3,003 | $250 |
| La Feria | 1 | $1,130 | $94 | $3,003 | $250 |
| Roma | 1 | $1,062 | $89 | $3,002 | $250 |
| Kingwood | 2 | $1,163 | $97 | $3,001 | $250 |
| Jbsa Ft Sam Houston | 1 | $1,115 | $93 | $3,001 | $250 |
| Laredo | 5 | $1,032 | $86 | $3,001 | $250 |
| Fort Worth | 31 | $1,090 | $91 | $2,999 | $250 |
| Rio Grande City | 1 | $1,060 | $88 | $2,999 | $250 |
| Crandall | 1 | $1,050 | $88 | $2,997 | $250 |
| Coppell | 1 | $1,121 | $93 | $2,996 | $250 |
| Plainview | 1 | $802 | $67 | $2,996 | $250 |
| Hereford | 1 | $786 | $66 | $2,996 | $250 |
| Pampa | 1 | $774 | $65 | $2,996 | $250 |
| Odessa | 6 | $886 | $74 | $2,994 | $250 |
| Converse | 1 | $1,101 | $92 | $2,990 | $249 |
| Helotes | 1 | $1,066 | $89 | $2,990 | $249 |
| Kountze | 1 | $1,050 | $88 | $2,990 | $249 |
| Texas City | 2 | $1,154 | $96 | $2,988 | $249 |
| La Marque | 1 | $1,149 | $96 | $2,987 | $249 |
| Deer Park | 1 | $1,168 | $97 | $2,985 | $249 |
| Brownsville | 3 | $1,117 | $93 | $2,984 | $249 |
| Kemah | 1 | $1,148 | $96 | $2,983 | $249 |
| Plano | 7 | $1,118 | $93 | $2,983 | $249 |
| Springtown | 1 | $1,022 | $85 | $2,983 | $249 |
| Dickinson | 1 | $1,156 | $96 | $2,982 | $249 |
| Livingston | 1 | $994 | $83 | $2,982 | $249 |
| Santa Rosa | 1 | $1,117 | $93 | $2,981 | $248 |
| Bandera | 1 | $975 | $81 | $2,981 | $248 |
| Pipe Creek | 1 | $967 | $81 | $2,981 | $248 |
| Burnet | 1 | $960 | $80 | $2,981 | $248 |
| Hemphill | 1 | $985 | $82 | $2,980 | $248 |
| Hitchcock | 1 | $1,145 | $95 | $2,979 | $248 |
| Diana | 1 | $1,005 | $84 | $2,978 | $248 |
| Fulshear | 1 | $1,149 | $96 | $2,977 | $248 |
| Marshall | 2 | $1,020 | $85 | $2,977 | $248 |
| Paradise | 1 | $998 | $83 | $2,977 | $248 |
| Henderson | 2 | $997 | $83 | $2,977 | $248 |
| Waskom | 1 | $974 | $81 | $2,977 | $248 |
| La Porte | 1 | $1,157 | $96 | $2,975 | $248 |
| Spring | 8 | $1,151 | $96 | $2,975 | $248 |
| Gilmer | 2 | $1,001 | $83 | $2,975 | $248 |
| Scurry | 1 | $1,019 | $85 | $2,974 | $248 |
| Manor | 1 | $1,105 | $92 | $2,972 | $248 |
| Buna | 1 | $1,011 | $84 | $2,972 | $248 |
| The Colony | 1 | $1,127 | $94 | $2,971 | $248 |
| Seabrook | 1 | $1,153 | $96 | $2,970 | $248 |
| Haltom City | 1 | $1,099 | $92 | $2,968 | $247 |
| Decatur | 1 | $987 | $82 | $2,967 | $247 |
| Childress | 1 | $733 | $61 | $2,967 | $247 |
| Mount Pleasant | 1 | $978 | $82 | $2,966 | $247 |
| Kingsland | 1 | $956 | $80 | $2,966 | $247 |
| Rosenberg | 1 | $1,151 | $96 | $2,963 | $247 |
| Ennis | 1 | $1,064 | $89 | $2,962 | $247 |
| Canutillo | 1 | $1,048 | $87 | $2,961 | $247 |
| Mansfield | 1 | $1,097 | $91 | $2,955 | $246 |
| Dumas | 1 | $755 | $63 | $2,953 | $246 |
| Kaufman | 1 | $1,019 | $85 | $2,952 | $246 |
| Santa Fe | 2 | $1,131 | $94 | $2,949 | $246 |
| Dalhart | 1 | $784 | $65 | $2,948 | $246 |
| Manchaca | 1 | $1,069 | $89 | $2,946 | $246 |
| Big Sandy | 1 | $978 | $82 | $2,946 | $246 |
| Brady | 1 | $830 | $69 | $2,943 | $245 |
| Chandler | 1 | $979 | $82 | $2,940 | $245 |
| Whitehouse | 1 | $1,060 | $88 | $2,939 | $245 |
| Clint | 1 | $960 | $80 | $2,938 | $245 |
| Cedar Creek | 1 | $1,025 | $85 | $2,937 | $245 |
| Madisonville | 1 | $940 | $78 | $2,936 | $245 |
| Center | 1 | $933 | $78 | $2,936 | $245 |
| Lamesa | 1 | $783 | $65 | $2,934 | $245 |
| Jefferson | 1 | $941 | $78 | $2,933 | $244 |
| Carthage | 1 | $969 | $81 | $2,930 | $244 |
| Montgomery | 2 | $1,077 | $90 | $2,929 | $244 |
| Huntington | 1 | $992 | $83 | $2,929 | $244 |
| Quinlan | 1 | $1,006 | $84 | $2,928 | $244 |
| Wills Point | 1 | $979 | $82 | $2,928 | $244 |
| Rusk | 1 | $938 | $78 | $2,928 | $244 |
| Magnolia | 2 | $1,101 | $92 | $2,927 | $244 |
| Hallsville | 1 | $1,006 | $84 | $2,927 | $244 |
| Los Fresnos | 1 | $1,083 | $90 | $2,926 | $244 |
| West Columbia | 1 | $1,081 | $90 | $2,926 | $244 |
| Waxahachie | 2 | $1,070 | $89 | $2,926 | $244 |
| Somerset | 1 | $1,022 | $85 | $2,926 | $244 |
| Lufkin | 2 | $993 | $83 | $2,926 | $244 |
| San Augustine | 1 | $942 | $79 | $2,926 | $244 |
| Frankston | 1 | $965 | $80 | $2,925 | $244 |
| Pearland | 2 | $1,121 | $93 | $2,923 | $244 |
| Lipan | 1 | $1,002 | $84 | $2,923 | $244 |
| El Paso | 21 | $1,002 | $84 | $2,922 | $244 |
| Wimberley | 1 | $985 | $82 | $2,922 | $244 |
| Prosper | 1 | $1,094 | $91 | $2,921 | $243 |
| Euless | 2 | $1,085 | $90 | $2,920 | $243 |
| Bonham | 1 | $974 | $81 | $2,920 | $243 |
| Woodville | 1 | $951 | $79 | $2,920 | $243 |
| Manvel | 1 | $1,104 | $92 | $2,916 | $243 |
| Adkins | 1 | $1,037 | $86 | $2,913 | $243 |
| Canyon Lake | 1 | $944 | $79 | $2,912 | $243 |
| Bridgeport | 1 | $922 | $77 | $2,911 | $243 |
| Freeport | 1 | $1,069 | $89 | $2,910 | $243 |
| Venus | 1 | $1,030 | $86 | $2,910 | $243 |
| Flint | 1 | $1,026 | $86 | $2,910 | $243 |
| Little Elm | 1 | $1,102 | $92 | $2,909 | $242 |
| Onalaska | 1 | $958 | $80 | $2,909 | $242 |
| Willis | 2 | $1,080 | $90 | $2,908 | $242 |
| Hurst | 2 | $1,068 | $89 | $2,908 | $242 |
| Seminole | 1 | $777 | $65 | $2,908 | $242 |
| Pinehurst | 1 | $1,098 | $92 | $2,907 | $242 |
| Gladewater | 1 | $1,019 | $85 | $2,907 | $242 |
| Castroville | 1 | $993 | $83 | $2,907 | $242 |
| Ben Wheeler | 1 | $972 | $81 | $2,906 | $242 |
| Elkhart | 1 | $925 | $77 | $2,905 | $242 |
| Devine | 1 | $955 | $80 | $2,904 | $242 |
| Alvarado | 1 | $1,048 | $87 | $2,903 | $242 |
| Allen | 2 | $1,086 | $91 | $2,902 | $242 |
| Spring Branch | 1 | $947 | $79 | $2,902 | $242 |
| New Boston | 1 | $935 | $78 | $2,902 | $242 |
| Bertram | 1 | $944 | $79 | $2,901 | $242 |
| Austin | 41 | $1,064 | $89 | $2,900 | $242 |
| Overton | 1 | $980 | $82 | $2,900 | $242 |
| Carrizo Springs | 1 | $941 | $78 | $2,899 | $242 |
| Princeton | 1 | $1,058 | $88 | $2,897 | $241 |
| Conroe | 7 | $1,082 | $90 | $2,896 | $241 |
| Coldspring | 1 | $983 | $82 | $2,896 | $241 |
| Alvin | 1 | $1,119 | $93 | $2,893 | $241 |
| Universal City | 1 | $1,072 | $89 | $2,893 | $241 |
| Trinity | 1 | $953 | $79 | $2,893 | $241 |
| Perryton | 1 | $749 | $62 | $2,891 | $241 |
| Caddo Mills | 1 | $993 | $83 | $2,890 | $241 |
| Mabank | 2 | $968 | $81 | $2,890 | $241 |
| Dale | 1 | $1,014 | $85 | $2,889 | $241 |
| Longview | 5 | $1,029 | $86 | $2,888 | $241 |
| New Waverly | 1 | $1,008 | $84 | $2,888 | $241 |
| Diboll | 1 | $988 | $82 | $2,888 | $241 |
| Whitesboro | 1 | $974 | $81 | $2,888 | $241 |
| Natalia | 1 | $954 | $80 | $2,888 | $241 |
| Jacksonville | 1 | $947 | $79 | $2,888 | $241 |
| Lewisville | 3 | $1,086 | $91 | $2,887 | $241 |
| Franklin | 1 | $954 | $80 | $2,885 | $240 |
| Daingerfield | 1 | $911 | $76 | $2,884 | $240 |
| Harlingen | 2 | $1,086 | $91 | $2,883 | $240 |
| Quitman | 1 | $967 | $81 | $2,883 | $240 |
| Llano | 1 | $883 | $74 | $2,883 | $240 |
| Sweeny | 1 | $1,030 | $86 | $2,882 | $240 |
| Lytle | 1 | $966 | $81 | $2,881 | $240 |
| Anna | 1 | $1,066 | $89 | $2,880 | $240 |
| Brazoria | 1 | $1,036 | $86 | $2,880 | $240 |
| Bullard | 1 | $1,001 | $83 | $2,880 | $240 |
| McKinney | 4 | $1,074 | $90 | $2,879 | $240 |
| Melissa | 1 | $1,066 | $89 | $2,879 | $240 |
| White Oak | 1 | $1,019 | $85 | $2,879 | $240 |
| Dilley | 1 | $899 | $75 | $2,879 | $240 |
| Celina | 1 | $1,052 | $88 | $2,878 | $240 |
| Nacogdoches | 3 | $984 | $82 | $2,878 | $240 |
| North Richland Hills | 2 | $1,072 | $89 | $2,877 | $240 |
| Palestine | 2 | $932 | $78 | $2,874 | $240 |
| Tyler | 8 | $1,038 | $87 | $2,873 | $239 |
| Kerrville | 1 | $881 | $73 | $2,873 | $239 |
| League City | 1 | $1,120 | $93 | $2,872 | $239 |
| San Benito | 1 | $1,067 | $89 | $2,871 | $239 |
| Clute | 1 | $1,070 | $89 | $2,870 | $239 |
| Luling | 1 | $962 | $80 | $2,870 | $239 |
| Hallettsville | 1 | $925 | $77 | $2,869 | $239 |
| Big Spring | 1 | $824 | $69 | $2,869 | $239 |
| Driftwood | 1 | $1,020 | $85 | $2,868 | $239 |
| Fredericksburg | 1 | $861 | $72 | $2,868 | $239 |
| Pflugerville | 1 | $1,083 | $90 | $2,867 | $239 |
| Lindale | 1 | $1,005 | $84 | $2,867 | $239 |
| Frisco | 4 | $1,080 | $90 | $2,866 | $239 |
| Kirbyville | 1 | $979 | $82 | $2,866 | $239 |
| Edgewood | 1 | $948 | $79 | $2,865 | $239 |
| Dripping Springs | 1 | $997 | $83 | $2,864 | $239 |
| Rio Hondo | 1 | $1,056 | $88 | $2,862 | $239 |
| Huntsville | 2 | $979 | $82 | $2,861 | $238 |
| Port Isabel | 1 | $1,070 | $89 | $2,860 | $238 |
| Bedford | 2 | $1,055 | $88 | $2,860 | $238 |
| Rhome | 1 | $969 | $81 | $2,859 | $238 |
| Boerne | 2 | $930 | $78 | $2,858 | $238 |
| Aubrey | 1 | $1,054 | $88 | $2,853 | $238 |
| Raymondville | 1 | $1,038 | $87 | $2,850 | $238 |
| Elgin | 1 | $1,004 | $84 | $2,850 | $238 |
| Crockett | 1 | $878 | $73 | $2,850 | $238 |
| Midlothian | 1 | $1,045 | $87 | $2,845 | $237 |
| Kilgore | 1 | $1,012 | $84 | $2,845 | $237 |
| Eustace | 1 | $950 | $79 | $2,845 | $237 |
| Hooks | 1 | $937 | $78 | $2,845 | $237 |
| Troup | 1 | $971 | $81 | $2,844 | $237 |
| Greenville | 2 | $983 | $82 | $2,843 | $237 |
| Valley View | 1 | $963 | $80 | $2,843 | $237 |
| Paris | 2 | $909 | $76 | $2,843 | $237 |
| Bulverde | 1 | $956 | $80 | $2,842 | $237 |
| Pittsburg | 1 | $872 | $73 | $2,839 | $237 |
| Smithville | 1 | $947 | $79 | $2,837 | $236 |
| De Kalb | 1 | $908 | $76 | $2,837 | $236 |
| Kemp | 1 | $953 | $79 | $2,836 | $236 |
| Jasper | 1 | $947 | $79 | $2,836 | $236 |
| Anthony | 1 | $984 | $82 | $2,835 | $236 |
| Lexington | 1 | $954 | $80 | $2,835 | $236 |
| Tuscola | 1 | $825 | $69 | $2,835 | $236 |
| Lake Dallas | 1 | $1,033 | $86 | $2,834 | $236 |
| Brownfield | 1 | $783 | $65 | $2,834 | $236 |
| Denison | 2 | $987 | $82 | $2,833 | $236 |
| Canton | 1 | $909 | $76 | $2,833 | $236 |
| San Marcos | 1 | $996 | $83 | $2,832 | $236 |
| Navasota | 1 | $966 | $81 | $2,831 | $236 |
| Texarkana | 2 | $953 | $79 | $2,831 | $236 |
| Poteet | 1 | $981 | $82 | $2,830 | $236 |
| Kyle | 1 | $1,037 | $86 | $2,829 | $236 |
| Angleton | 1 | $1,042 | $87 | $2,828 | $236 |
| Wharton | 1 | $996 | $83 | $2,828 | $236 |
| Breckenridge | 1 | $798 | $67 | $2,826 | $236 |
| Atlanta | 1 | $874 | $73 | $2,825 | $235 |
| Zapata | 1 | $961 | $80 | $2,822 | $235 |
| Joshua | 1 | $1,005 | $84 | $2,821 | $235 |
| Pleasanton | 1 | $950 | $79 | $2,821 | $235 |
| Haslet | 1 | $1,020 | $85 | $2,820 | $235 |
| Horseshoe Bay | 1 | $871 | $73 | $2,819 | $235 |
| Grapevine | 1 | $1,044 | $87 | $2,818 | $235 |
| Buda | 1 | $992 | $83 | $2,817 | $235 |
| Southlake | 1 | $1,034 | $86 | $2,816 | $235 |
| Midland | 5 | $839 | $70 | $2,816 | $235 |
| Denver City | 1 | $774 | $65 | $2,816 | $235 |
| Mount Vernon | 1 | $899 | $75 | $2,813 | $234 |
| Athens | 2 | $930 | $78 | $2,811 | $234 |
| Liberty Hill | 1 | $996 | $83 | $2,810 | $234 |
| Boyd | 1 | $904 | $75 | $2,810 | $234 |
| Bastrop | 1 | $955 | $80 | $2,809 | $234 |
| Lockhart | 1 | $994 | $83 | $2,807 | $234 |
| Leander | 2 | $998 | $83 | $2,806 | $234 |
| Snyder | 1 | $702 | $59 | $2,805 | $234 |
| Colleyville | 1 | $1,038 | $87 | $2,804 | $234 |
| Kermit | 1 | $802 | $67 | $2,801 | $233 |
| Kempner | 1 | $950 | $79 | $2,800 | $233 |
| Corpus Christi | 11 | $1,104 | $92 | $2,798 | $233 |
| Cotulla | 1 | $915 | $76 | $2,798 | $233 |
| Cedar Park | 1 | $1,037 | $86 | $2,796 | $233 |
| Van Alstyne | 1 | $955 | $80 | $2,795 | $233 |
| Sweetwater | 1 | $747 | $62 | $2,795 | $233 |
| Pilot Point | 1 | $1,011 | $84 | $2,794 | $233 |
| Whitewright | 1 | $955 | $80 | $2,793 | $233 |
| Round Rock | 3 | $1,051 | $88 | $2,792 | $233 |
| Grand Saline | 1 | $879 | $73 | $2,792 | $233 |
| La Vernia | 1 | $948 | $79 | $2,791 | $233 |
| Gatesville | 1 | $942 | $79 | $2,791 | $233 |
| Marble Falls | 1 | $878 | $73 | $2,791 | $233 |
| Spicewood | 1 | $938 | $78 | $2,790 | $233 |
| Brownwood | 1 | $800 | $67 | $2,789 | $232 |
| Early | 1 | $783 | $65 | $2,785 | $232 |
| Lake Jackson | 1 | $1,040 | $87 | $2,784 | $232 |
| Andrews | 1 | $801 | $67 | $2,784 | $232 |
| Sealy | 1 | $944 | $79 | $2,783 | $232 |
| Colorado City | 1 | $744 | $62 | $2,782 | $232 |
| Keller | 2 | $1,035 | $86 | $2,780 | $232 |
| Grandview | 1 | $962 | $80 | $2,780 | $232 |
| Pecos | 1 | $763 | $64 | $2,780 | $232 |
| Godley | 1 | $970 | $81 | $2,779 | $232 |
| Weimar | 1 | $896 | $75 | $2,778 | $232 |
| Justin | 1 | $1,006 | $84 | $2,777 | $231 |
| Taft | 1 | $1,039 | $87 | $2,776 | $231 |
| Merkel | 1 | $791 | $66 | $2,775 | $231 |
| Taylor | 1 | $998 | $83 | $2,774 | $231 |
| Georgetown | 3 | $986 | $82 | $2,773 | $231 |
| Gainesville | 1 | $894 | $75 | $2,773 | $231 |
| Floresville | 1 | $942 | $79 | $2,772 | $231 |
| Pearsall | 1 | $871 | $73 | $2,772 | $231 |
| Crystal City | 1 | $858 | $72 | $2,772 | $231 |
| Millsap | 1 | $929 | $77 | $2,771 | $231 |
| Keene | 1 | $986 | $82 | $2,770 | $231 |
| Jarrell | 1 | $959 | $80 | $2,770 | $231 |
| Lampasas | 1 | $882 | $74 | $2,770 | $231 |
| Hawkins | 1 | $879 | $73 | $2,770 | $231 |
| Argyle | 1 | $1,017 | $85 | $2,767 | $231 |
| Cibolo | 1 | $985 | $82 | $2,766 | $231 |
| Cleburne | 2 | $975 | $81 | $2,766 | $231 |
| Hutto | 1 | $1,038 | $87 | $2,765 | $230 |
| Crowley | 1 | $951 | $79 | $2,765 | $230 |
| Yoakum | 1 | $925 | $77 | $2,764 | $230 |
| Mineral Wells | 1 | $855 | $71 | $2,764 | $230 |
| Schertz | 1 | $985 | $82 | $2,763 | $230 |
| Columbus | 1 | $902 | $75 | $2,763 | $230 |
| Gonzales | 1 | $901 | $75 | $2,763 | $230 |
| Monahans | 1 | $781 | $65 | $2,760 | $230 |
| Cuero | 1 | $930 | $78 | $2,759 | $230 |
| Sulphur Springs | 1 | $882 | $74 | $2,757 | $230 |
| Winnsboro | 1 | $860 | $72 | $2,757 | $230 |
| Weatherford | 4 | $922 | $77 | $2,756 | $230 |
| Robstown | 1 | $1,068 | $89 | $2,755 | $230 |
| Leonard | 1 | $928 | $77 | $2,755 | $230 |
| Vernon | 1 | $743 | $62 | $2,754 | $230 |
| Schulenburg | 1 | $915 | $76 | $2,753 | $229 |
| Denton | 6 | $1,011 | $84 | $2,752 | $229 |
| Marion | 1 | $937 | $78 | $2,752 | $229 |
| Azle | 1 | $941 | $78 | $2,747 | $229 |
| Bay City | 1 | $954 | $80 | $2,745 | $229 |
| Roanoke | 1 | $1,022 | $85 | $2,743 | $229 |
| West | 1 | $942 | $79 | $2,742 | $229 |
| Aledo | 1 | $916 | $76 | $2,742 | $229 |
| Falfurrias | 1 | $952 | $79 | $2,741 | $228 |
| Jacksboro | 1 | $833 | $69 | $2,741 | $228 |
| Mexia | 1 | $886 | $74 | $2,740 | $228 |
| Portland | 1 | $1,046 | $87 | $2,739 | $228 |
| Pottsboro | 1 | $925 | $77 | $2,739 | $228 |
| Marlin | 1 | $911 | $76 | $2,739 | $228 |
| Eastland | 1 | $776 | $65 | $2,737 | $228 |
| Teague | 1 | $867 | $72 | $2,736 | $228 |
| Sanger | 1 | $946 | $79 | $2,734 | $228 |
| Clifton | 1 | $895 | $75 | $2,734 | $228 |
| Flower Mound | 2 | $997 | $83 | $2,732 | $228 |
| Glen Rose | 1 | $889 | $74 | $2,731 | $228 |
| Hondo | 1 | $889 | $74 | $2,729 | $227 |
| Malakoff | 1 | $883 | $74 | $2,729 | $227 |
| Whitney | 1 | $881 | $73 | $2,723 | $227 |
| Sherman | 2 | $902 | $75 | $2,722 | $227 |
| Groesbeck | 1 | $875 | $73 | $2,722 | $227 |
| Abilene | 5 | $801 | $67 | $2,722 | $227 |
| Uvalde | 1 | $843 | $70 | $2,721 | $227 |
| Edna | 1 | $905 | $75 | $2,720 | $227 |
| Mineola | 1 | $890 | $74 | $2,720 | $227 |
| Cisco | 1 | $774 | $65 | $2,720 | $227 |
| Stephenville | 1 | $851 | $71 | $2,717 | $226 |
| Bellville | 1 | $903 | $75 | $2,715 | $226 |
| Cameron | 1 | $883 | $74 | $2,715 | $226 |
| Giddings | 1 | $875 | $73 | $2,715 | $226 |
| Newark | 1 | $907 | $76 | $2,712 | $226 |
| Kenedy | 1 | $900 | $75 | $2,711 | $226 |
| Granbury | 2 | $905 | $75 | $2,710 | $226 |
| La Grange | 1 | $883 | $74 | $2,710 | $226 |
| Burleson | 1 | $938 | $78 | $2,709 | $226 |
| Bowie | 1 | $846 | $71 | $2,707 | $226 |
| Fort Stockton | 1 | $701 | $58 | $2,704 | $225 |
| Del Rio | 1 | $825 | $69 | $2,703 | $225 |
| Odem | 1 | $1,009 | $84 | $2,702 | $225 |
| Commerce | 1 | $875 | $73 | $2,700 | $225 |
| Goliad | 1 | $894 | $75 | $2,699 | $225 |
| New Braunfels | 2 | $934 | $78 | $2,698 | $225 |
| El Campo | 1 | $900 | $75 | $2,696 | $225 |
| Corsicana | 2 | $886 | $74 | $2,696 | $225 |
| Hearne | 1 | $865 | $72 | $2,696 | $225 |
| Emory | 1 | $858 | $72 | $2,696 | $225 |
| Alice | 1 | $1,018 | $85 | $2,693 | $224 |
| Mathis | 1 | $980 | $82 | $2,693 | $224 |
| Nocona | 1 | $823 | $69 | $2,692 | $224 |
| Graham | 1 | $776 | $65 | $2,692 | $224 |
| Fairfield | 1 | $836 | $70 | $2,690 | $224 |
| Waco | 7 | $942 | $79 | $2,689 | $224 |
| Belton | 1 | $907 | $76 | $2,687 | $224 |
| Seguin | 1 | $917 | $76 | $2,686 | $224 |
| Hillsboro | 1 | $873 | $73 | $2,686 | $224 |
| McGregor | 1 | $942 | $79 | $2,685 | $224 |
| Rockdale | 1 | $871 | $73 | $2,685 | $224 |
| Orange Grove | 1 | $985 | $82 | $2,684 | $224 |
| Sinton | 1 | $969 | $81 | $2,680 | $223 |
| Copperas Cove | 1 | $894 | $75 | $2,680 | $223 |
| Dublin | 1 | $814 | $68 | $2,680 | $223 |
| Clyde | 1 | $730 | $61 | $2,680 | $223 |
| Krum | 1 | $934 | $78 | $2,678 | $223 |
| San Diego | 1 | $928 | $77 | $2,677 | $223 |
| Caldwell | 1 | $876 | $73 | $2,674 | $223 |
| Jourdanton | 1 | $871 | $73 | $2,673 | $223 |
| Harker Heights | 1 | $955 | $80 | $2,670 | $223 |
| Salado | 1 | $907 | $76 | $2,670 | $223 |
| Palacios | 1 | $889 | $74 | $2,670 | $223 |
| San Angelo | 4 | $754 | $63 | $2,667 | $222 |
| Aransas Pass | 1 | $977 | $81 | $2,666 | $222 |
| Comanche | 1 | $743 | $62 | $2,663 | $222 |
| Ingleside | 1 | $987 | $82 | $2,661 | $222 |
| China Spring | 1 | $911 | $76 | $2,658 | $222 |
| Howe | 1 | $891 | $74 | $2,657 | $221 |
| Victoria | 3 | $943 | $79 | $2,654 | $221 |
| Port Lavaca | 1 | $932 | $78 | $2,652 | $221 |
| Brenham | 1 | $866 | $72 | $2,651 | $221 |
| Moody | 1 | $915 | $76 | $2,640 | $220 |
| Nolanville | 1 | $921 | $77 | $2,637 | $220 |
| Rockport | 1 | $985 | $82 | $2,635 | $220 |
| Woodway | 1 | $930 | $78 | $2,635 | $220 |
| Lorena | 1 | $922 | $77 | $2,633 | $219 |
| Ponder | 1 | $937 | $78 | $2,628 | $219 |
| Temple | 3 | $908 | $76 | $2,628 | $219 |
| Troy | 1 | $909 | $76 | $2,626 | $219 |
| Killeen | 4 | $888 | $74 | $2,626 | $219 |
| Beeville | 1 | $861 | $72 | $2,616 | $218 |
| Iowa Park | 1 | $806 | $67 | $2,611 | $218 |
| Fort Hood | 1 | $878 | $73 | $2,604 | $217 |
| Bryan | 5 | $901 | $75 | $2,597 | $216 |
| Hewitt | 1 | $900 | $75 | $2,576 | $215 |
| Kingsville | 1 | $991 | $83 | $2,574 | $215 |
| Wichita Falls | 6 | $807 | $67 | $2,557 | $213 |
| Burkburnett | 1 | $770 | $64 | $2,557 | $213 |
| College Station | 2 | $891 | $74 | $2,520 | $210 |
| Sheppard AFB | 1 | $810 | $68 | $2,519 | $210 |
| Alpine | 1 | $687 | $57 | $2,510 | $209 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.
Compare Texas with other states on our car insurance rates by state page.
Dallas County is the most expensive county in our data, at about $285 a month for full coverage, followed by Harris County ($284) and Potter County ($278). The least expensive are Brewster County ($209), Wichita County ($213) and Kleberg and Brazos counties (both $215). We price 179 of Texas’ 254 counties.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Dallas County | 79 | $1,240 | $103 | $3,417 | $285 |
| Harris County | 128 | $1,293 | $108 | $3,412 | $284 |
| Potter County | 7 | $977 | $81 | $3,340 | $278 |
| Randall County | 6 | $937 | $78 | $3,235 | $270 |
| Hidalgo County | 20 | $1,210 | $101 | $3,174 | $265 |
| Lubbock County | 16 | $975 | $81 | $3,134 | $261 |
| Chambers County | 3 | $1,128 | $94 | $3,128 | $261 |
| Jefferson County | 12 | $1,167 | $97 | $3,125 | $260 |
| Orange County | 4 | $1,110 | $93 | $3,120 | $260 |
| Fort Bend County | 15 | $1,217 | $101 | $3,118 | $260 |
| Liberty County | 3 | $1,112 | $93 | $3,117 | $260 |
| Hockley County | 1 | $869 | $72 | $3,103 | $259 |
| Bailey County | 1 | $840 | $70 | $3,094 | $258 |
| Bexar County | 62 | $1,147 | $96 | $3,090 | $258 |
| Maverick County | 1 | $1,065 | $89 | $3,043 | $254 |
| Swisher County | 1 | $785 | $65 | $3,039 | $253 |
| Rockwall County | 3 | $1,088 | $91 | $3,036 | $253 |
| Lamb County | 1 | $842 | $70 | $3,031 | $253 |
| Hutchinson County | 2 | $804 | $67 | $3,028 | $252 |
| Blanco County | 1 | $934 | $78 | $3,022 | $252 |
| Waller County | 3 | $1,097 | $91 | $3,021 | $252 |
| Hardin County | 4 | $1,066 | $89 | $3,017 | $251 |
| Garza County | 1 | $793 | $66 | $3,015 | $251 |
| Parmer County | 1 | $797 | $66 | $3,012 | $251 |
| Starr County | 2 | $1,061 | $88 | $3,001 | $250 |
| Webb County | 5 | $1,032 | $86 | $3,001 | $250 |
| Hale County | 1 | $802 | $67 | $2,996 | $250 |
| Deaf Smith County | 1 | $786 | $66 | $2,996 | $250 |
| Gray County | 1 | $774 | $65 | $2,996 | $250 |
| Ellis County | 7 | $1,085 | $90 | $2,994 | $250 |
| Ector County | 6 | $886 | $74 | $2,994 | $250 |
| Kaufman County | 7 | $1,034 | $86 | $2,988 | $249 |
| Galveston County | 14 | $1,147 | $96 | $2,981 | $248 |
| Bandera County | 2 | $971 | $81 | $2,981 | $248 |
| Sabine County | 1 | $985 | $82 | $2,980 | $248 |
| San Jacinto County | 2 | $1,020 | $85 | $2,977 | $248 |
| Tarrant County | 63 | $1,089 | $91 | $2,976 | $248 |
| Upshur County | 4 | $996 | $83 | $2,968 | $247 |
| Childress County | 1 | $733 | $61 | $2,967 | $247 |
| Titus County | 1 | $978 | $82 | $2,966 | $247 |
| Harrison County | 4 | $1,005 | $84 | $2,964 | $247 |
| Collin County | 27 | $1,101 | $92 | $2,961 | $247 |
| Moore County | 1 | $755 | $63 | $2,953 | $246 |
| Rusk County | 3 | $991 | $83 | $2,951 | $246 |
| Dallam County | 1 | $784 | $65 | $2,948 | $246 |
| Polk County | 2 | $976 | $81 | $2,945 | $245 |
| McCulloch County | 1 | $830 | $69 | $2,943 | $245 |
| Madison County | 1 | $940 | $78 | $2,936 | $245 |
| Shelby County | 1 | $933 | $78 | $2,936 | $245 |
| Dawson County | 1 | $783 | $65 | $2,934 | $245 |
| Marion County | 1 | $941 | $78 | $2,933 | $244 |
| Panola County | 1 | $969 | $81 | $2,930 | $244 |
| Cameron County | 11 | $1,095 | $91 | $2,929 | $244 |
| El Paso County | 25 | $1,003 | $84 | $2,928 | $244 |
| San Augustine County | 1 | $942 | $79 | $2,926 | $244 |
| Montgomery County | 22 | $1,091 | $91 | $2,921 | $243 |
| Tyler County | 1 | $951 | $79 | $2,920 | $243 |
| Angelina County | 4 | $991 | $83 | $2,917 | $243 |
| Gaines County | 1 | $777 | $65 | $2,908 | $242 |
| Travis County | 44 | $1,064 | $89 | $2,906 | $242 |
| Brazoria County | 12 | $1,081 | $90 | $2,899 | $242 |
| Cherokee County | 3 | $962 | $80 | $2,899 | $242 |
| Dimmit County | 1 | $941 | $78 | $2,899 | $242 |
| Anderson County | 4 | $938 | $78 | $2,894 | $241 |
| Trinity County | 1 | $953 | $79 | $2,893 | $241 |
| Jasper County | 3 | $979 | $82 | $2,891 | $241 |
| Burnet County | 3 | $928 | $77 | $2,891 | $241 |
| Ochiltree County | 1 | $749 | $62 | $2,891 | $241 |
| Llano County | 3 | $904 | $75 | $2,889 | $241 |
| Gregg County | 8 | $1,024 | $85 | $2,884 | $240 |
| Morris County | 1 | $911 | $76 | $2,884 | $240 |
| Smith County | 12 | $1,030 | $86 | $2,879 | $240 |
| Nacogdoches County | 3 | $984 | $82 | $2,878 | $240 |
| Wise County | 6 | $948 | $79 | $2,873 | $239 |
| Kerr County | 1 | $881 | $73 | $2,873 | $239 |
| Walker County | 3 | $988 | $82 | $2,870 | $239 |
| Howard County | 1 | $824 | $69 | $2,869 | $239 |
| Gillespie County | 1 | $861 | $72 | $2,868 | $239 |
| Van Zandt County | 5 | $937 | $78 | $2,865 | $239 |
| Bastrop County | 4 | $983 | $82 | $2,858 | $238 |
| Medina County | 4 | $948 | $79 | $2,857 | $238 |
| Caldwell County | 3 | $990 | $83 | $2,855 | $238 |
| Willacy County | 1 | $1,038 | $87 | $2,850 | $238 |
| Houston County | 1 | $878 | $73 | $2,850 | $238 |
| Hays County | 7 | $997 | $83 | $2,849 | $237 |
| Bowie County | 5 | $937 | $78 | $2,849 | $237 |
| Lamar County | 2 | $909 | $76 | $2,843 | $237 |
| Kendall County | 1 | $899 | $75 | $2,843 | $237 |
| Hunt County | 5 | $968 | $81 | $2,841 | $237 |
| Camp County | 1 | $872 | $73 | $2,839 | $237 |
| Fannin County | 2 | $951 | $79 | $2,837 | $236 |
| Henderson County | 7 | $944 | $79 | $2,834 | $236 |
| Terry County | 1 | $783 | $65 | $2,834 | $236 |
| Grimes County | 1 | $966 | $81 | $2,831 | $236 |
| Atascosa County | 5 | $958 | $80 | $2,826 | $236 |
| Stephens County | 1 | $798 | $67 | $2,826 | $236 |
| Frio County | 2 | $885 | $74 | $2,825 | $235 |
| Cass County | 1 | $874 | $73 | $2,825 | $235 |
| Zapata County | 1 | $961 | $80 | $2,822 | $235 |
| Lavaca County | 2 | $925 | $77 | $2,817 | $235 |
| Midland County | 5 | $839 | $70 | $2,816 | $235 |
| Yoakum County | 1 | $774 | $65 | $2,816 | $235 |
| Franklin County | 1 | $899 | $75 | $2,813 | $234 |
| Comal County | 6 | $949 | $79 | $2,808 | $234 |
| Cooke County | 2 | $929 | $77 | $2,808 | $234 |
| Denton County | 26 | $1,034 | $86 | $2,807 | $234 |
| Scurry County | 1 | $702 | $59 | $2,805 | $234 |
| Winkler County | 1 | $802 | $67 | $2,801 | $233 |
| Johnson County | 9 | $988 | $82 | $2,800 | $233 |
| La Salle County | 1 | $915 | $76 | $2,798 | $233 |
| Nolan County | 1 | $747 | $62 | $2,795 | $233 |
| Nueces County | 12 | $1,101 | $92 | $2,794 | $233 |
| Williamson County | 14 | $1,020 | $85 | $2,793 | $233 |
| Robertson County | 2 | $910 | $76 | $2,791 | $233 |
| Parker County | 7 | $936 | $78 | $2,788 | $232 |
| Brown County | 2 | $792 | $66 | $2,787 | $232 |
| Lampasas County | 2 | $916 | $76 | $2,785 | $232 |
| Andrews County | 1 | $801 | $67 | $2,784 | $232 |
| Wood County | 4 | $899 | $75 | $2,782 | $232 |
| Mitchell County | 1 | $744 | $62 | $2,782 | $232 |
| Wilson County | 2 | $945 | $79 | $2,781 | $232 |
| Hood County | 3 | $937 | $78 | $2,781 | $232 |
| Reeves County | 1 | $763 | $64 | $2,780 | $232 |
| Grayson County | 9 | $942 | $79 | $2,776 | $231 |
| Lee County | 2 | $914 | $76 | $2,775 | $231 |
| Zavala County | 1 | $858 | $72 | $2,772 | $231 |
| Colorado County | 2 | $899 | $75 | $2,770 | $231 |
| Palo Pinto County | 1 | $855 | $71 | $2,764 | $230 |
| Gonzales County | 1 | $901 | $75 | $2,763 | $230 |
| Wharton County | 2 | $948 | $79 | $2,762 | $230 |
| Ward County | 1 | $781 | $65 | $2,760 | $230 |
| DeWitt County | 1 | $930 | $78 | $2,759 | $230 |
| Hopkins County | 1 | $882 | $74 | $2,757 | $230 |
| Wilbarger County | 1 | $743 | $62 | $2,754 | $230 |
| Austin County | 2 | $923 | $77 | $2,749 | $229 |
| Taylor County | 7 | $803 | $67 | $2,746 | $229 |
| Guadalupe County | 4 | $956 | $80 | $2,742 | $229 |
| Brooks County | 1 | $952 | $79 | $2,741 | $228 |
| Jack County | 1 | $833 | $69 | $2,741 | $228 |
| Falls County | 1 | $911 | $76 | $2,739 | $228 |
| Coryell County | 2 | $918 | $77 | $2,735 | $228 |
| Bosque County | 1 | $895 | $75 | $2,734 | $228 |
| Fayette County | 2 | $899 | $75 | $2,732 | $228 |
| Somervell County | 1 | $889 | $74 | $2,731 | $228 |
| Limestone County | 2 | $880 | $73 | $2,731 | $228 |
| Eastland County | 2 | $775 | $65 | $2,728 | $227 |
| Uvalde County | 1 | $843 | $70 | $2,721 | $227 |
| Jackson County | 1 | $905 | $75 | $2,720 | $227 |
| Freestone County | 2 | $851 | $71 | $2,713 | $226 |
| Karnes County | 1 | $900 | $75 | $2,711 | $226 |
| Matagorda County | 2 | $921 | $77 | $2,707 | $226 |
| Hill County | 2 | $877 | $73 | $2,704 | $225 |
| Pecos County | 1 | $701 | $58 | $2,704 | $225 |
| Val Verde County | 1 | $825 | $69 | $2,703 | $225 |
| San Patricio County | 7 | $1,001 | $83 | $2,702 | $225 |
| Milam County | 2 | $877 | $73 | $2,700 | $225 |
| Goliad County | 1 | $894 | $75 | $2,699 | $225 |
| Montague County | 2 | $835 | $70 | $2,699 | $225 |
| Erath County | 2 | $832 | $69 | $2,698 | $225 |
| Navarro County | 2 | $886 | $74 | $2,696 | $225 |
| Rains County | 1 | $858 | $72 | $2,696 | $225 |
| Young County | 1 | $776 | $65 | $2,692 | $224 |
| Jim Wells County | 2 | $1,001 | $83 | $2,689 | $224 |
| Callahan County | 1 | $730 | $61 | $2,680 | $223 |
| Duval County | 1 | $928 | $77 | $2,677 | $223 |
| Burleson County | 1 | $876 | $73 | $2,674 | $223 |
| McLennan County | 14 | $933 | $78 | $2,671 | $223 |
| Tom Green County | 4 | $754 | $63 | $2,667 | $222 |
| Comanche County | 1 | $743 | $62 | $2,663 | $222 |
| Victoria County | 3 | $943 | $79 | $2,654 | $221 |
| Calhoun County | 1 | $932 | $78 | $2,652 | $221 |
| Washington County | 1 | $866 | $72 | $2,651 | $221 |
| Bell County | 13 | $904 | $75 | $2,637 | $220 |
| Aransas County | 1 | $985 | $82 | $2,635 | $220 |
| Bee County | 1 | $861 | $72 | $2,616 | $218 |
| Brazos County | 7 | $898 | $75 | $2,575 | $215 |
| Kleberg County | 1 | $991 | $83 | $2,574 | $215 |
| Wichita County | 9 | $803 | $67 | $2,559 | $213 |
| Brewster County | 1 | $687 | $57 | $2,510 | $209 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
Raising liability limits from 50/100/50 to 100/300/100 adds about $266 a year on average statewide in our data, with the same $500 deductibles. Across the six insurers, the step up costs $34 (USAA) to $551 (Allstate) a year. Statewide, that’s about $22 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.
Required on every policy
30/60/25Included unless you reject it
In writingPenalties for driving uninsured
Up to $1,000Texas requires drivers to show they can pay for the crashes they cause, and most do it with liability insurance, according to the Texas Department of Insurance. The minimum policy, in place since Jan. 1, 2011, is:
Two more coverages come with the policy unless you turn them down in writing:
Texas uses a fault-based system: the driver who causes a crash pays through their liability coverage, and under the state’s comparative responsibility law, a driver who is more than 50% responsible can’t recover damages.
The state’s TexasSure program identifies vehicle owners without the required coverage, and state law lets you show proof of insurance on your phone. Driving uninsured brings a fine of $175 to $350 for a first offense and $350 to $1,000 after that. After a second conviction, the Texas Department of Public Safety requires an SR-22 certificate for two years, and a court must order the car impounded for 180 days if you own it.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
The tables in this section 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, driver age and a DWI change what you pay.
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.
| County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Anderson | $1,283 | $1,090 | $1,212 | $1,291 | $1,363 |
| Andrews | $1,069 | $915 | $1,015 | $1,072 | $1,130 |
| Angelina | $1,308 | $1,113 | $1,245 | $1,306 | $1,379 |
| Aransas | $1,099 | $945 | $1,046 | $1,099 | $1,154 |
| Archer | $1,154 | $984 | $1,096 | $1,159 | $1,223 |
| Armstrong | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Atascosa | $1,129 | $966 | $1,069 | $1,138 | $1,199 |
| Austin | $1,185 | $1,012 | $1,123 | $1,195 | $1,260 |
| Bailey | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Bandera | $1,202 | $1,026 | $1,133 | $1,216 | $1,281 |
| Bastrop | $1,291 | $1,102 | $1,225 | $1,296 | $1,366 |
| Baylor | $1,134 | $963 | $1,065 | $1,149 | $1,214 |
| Bee | $1,108 | $948 | $1,047 | $1,118 | $1,177 |
| Bell | $1,158 | $990 | $1,104 | $1,159 | $1,222 |
| Bexar | $1,331 | $1,148 | $1,274 | $1,320 | $1,385 |
| Blanco | $1,340 | $1,139 | $1,267 | $1,353 | $1,429 |
| Borden | $1,129 | $962 | $1,063 | $1,144 | $1,207 |
| Bosque | $1,177 | $1,001 | $1,113 | $1,184 | $1,250 |
| Bowie | $1,308 | $1,113 | $1,242 | $1,307 | $1,379 |
| Brazoria | $1,159 | $997 | $1,105 | $1,160 | $1,219 |
| Brazos | $1,149 | $990 | $1,100 | $1,149 | $1,207 |
| Brewster | $1,058 | $901 | $996 | $1,076 | $1,136 |
| Briscoe | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Brooks | $1,210 | $1,034 | $1,135 | $1,223 | $1,287 |
| Brown | $1,177 | $1,001 | $1,114 | $1,184 | $1,250 |
| Burleson | $1,248 | $1,062 | $1,183 | $1,252 | $1,321 |
| Burnet | $1,332 | $1,132 | $1,260 | $1,344 | $1,420 |
| Caldwell | $1,291 | $1,102 | $1,225 | $1,296 | $1,366 |
| Calhoun | $1,148 | $985 | $1,092 | $1,149 | $1,209 |
| Callahan | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Cameron | $1,266 | $1,089 | $1,201 | $1,266 | $1,329 |
| Camp | $1,305 | $1,108 | $1,231 | $1,316 | $1,391 |
| Carson | $1,136 | $967 | $1,071 | $1,149 | $1,212 |
| Cass | $1,286 | $1,093 | $1,213 | $1,295 | $1,367 |
| Castro | $1,084 | $921 | $1,020 | $1,099 | $1,161 |
| Chambers | $1,365 | $1,169 | $1,299 | $1,368 | $1,441 |
| Cherokee | $1,278 | $1,085 | $1,210 | $1,282 | $1,355 |
| Childress | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Clay | $1,165 | $989 | $1,104 | $1,170 | $1,237 |
| Cochran | $1,113 | $948 | $1,051 | $1,125 | $1,188 |
| Coke | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Coleman | $1,113 | $946 | $1,047 | $1,129 | $1,192 |
| Collin | $1,346 | $1,163 | $1,295 | $1,334 | $1,400 |
| Collingsworth | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Colorado | $1,159 | $989 | $1,095 | $1,171 | $1,234 |
| Comal | $1,241 | $1,066 | $1,183 | $1,244 | $1,309 |
| Comanche | $1,160 | $986 | $1,096 | $1,170 | $1,236 |
| Concho | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Cooke | $1,174 | $1,000 | $1,114 | $1,178 | $1,243 |
| Coryell | $1,177 | $1,001 | $1,113 | $1,184 | $1,250 |
| Cottle | $1,178 | $1,001 | $1,108 | $1,197 | $1,264 |
| Crane | $1,085 | $927 | $1,024 | $1,097 | $1,156 |
| Crockett | $1,087 | $924 | $1,020 | $1,109 | $1,172 |
| Crosby | $1,143 | $972 | $1,077 | $1,157 | $1,222 |
| Culberson | $1,084 | $922 | $1,020 | $1,102 | $1,164 |
| Dallam | $1,115 | $948 | $1,050 | $1,129 | $1,193 |
| Dallas | $1,339 | $1,156 | $1,286 | $1,333 | $1,400 |
| Dawson | $1,124 | $956 | $1,059 | $1,136 | $1,199 |
| Deaf Smith | $1,066 | $907 | $1,006 | $1,078 | $1,138 |
| Delta | $1,231 | $1,051 | $1,169 | $1,235 | $1,303 |
| Denton | $1,242 | $1,068 | $1,191 | $1,234 | $1,298 |
| DeWitt | $1,144 | $976 | $1,080 | $1,154 | $1,217 |
| Dickens | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Dimmit | $1,148 | $982 | $1,083 | $1,159 | $1,220 |
| Donley | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Duval | $1,187 | $1,015 | $1,120 | $1,196 | $1,260 |
| Eastland | $1,120 | $950 | $1,057 | $1,128 | $1,193 |
| Ector | $1,283 | $1,102 | $1,228 | $1,280 | $1,347 |
| Edwards | $1,255 | $1,070 | $1,185 | $1,271 | $1,340 |
| El Paso | $1,275 | $1,095 | $1,209 | $1,286 | $1,352 |
| Ellis | $1,248 | $1,072 | $1,195 | $1,241 | $1,305 |
| Erath | $1,142 | $973 | $1,080 | $1,149 | $1,212 |
| Falls | $1,169 | $993 | $1,106 | $1,178 | $1,244 |
| Fannin | $1,197 | $1,020 | $1,136 | $1,200 | $1,266 |
| Fayette | $1,157 | $989 | $1,094 | $1,168 | $1,231 |
| Fisher | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Floyd | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Foard | $1,137 | $967 | $1,070 | $1,152 | $1,216 |
| Fort Bend | $1,282 | $1,106 | $1,232 | $1,274 | $1,339 |
| Franklin | $1,209 | $1,031 | $1,147 | $1,214 | $1,281 |
| Freestone | $1,210 | $1,028 | $1,141 | $1,220 | $1,289 |
| Frio | $1,165 | $997 | $1,100 | $1,179 | $1,241 |
| Gaines | $1,100 | $937 | $1,039 | $1,111 | $1,172 |
| Galveston | $1,249 | $1,083 | $1,199 | $1,245 | $1,304 |
| Garza | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Gillespie | $1,197 | $1,024 | $1,130 | $1,213 | $1,277 |
| Glasscock | $1,112 | $947 | $1,045 | $1,131 | $1,194 |
| Goliad | $1,179 | $1,005 | $1,115 | $1,190 | $1,256 |
| Gonzales | $1,251 | $1,066 | $1,183 | $1,261 | $1,330 |
| Gray | $1,191 | $1,009 | $1,119 | $1,209 | $1,278 |
| Grayson | $1,178 | $1,004 | $1,124 | $1,173 | $1,238 |
| Gregg | $1,329 | $1,138 | $1,269 | $1,319 | $1,389 |
| Grimes | $1,309 | $1,113 | $1,238 | $1,315 | $1,389 |
| Guadalupe | $1,235 | $1,063 | $1,181 | $1,237 | $1,300 |
| Hale | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Hall | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Hamilton | $1,177 | $1,001 | $1,114 | $1,184 | $1,250 |
| Hansford | $1,097 | $933 | $1,030 | $1,114 | $1,176 |
| Hardeman | $1,137 | $968 | $1,069 | $1,154 | $1,217 |
| Hardin | $1,349 | $1,156 | $1,288 | $1,347 | $1,418 |
| Harris | $1,370 | $1,183 | $1,315 | $1,364 | $1,432 |
| Harrison | $1,314 | $1,118 | $1,248 | $1,310 | $1,383 |
| Hartley | $1,117 | $951 | $1,053 | $1,130 | $1,193 |
| Haskell | $1,124 | $956 | $1,058 | $1,138 | $1,201 |
| Hays | $1,301 | $1,119 | $1,243 | $1,302 | $1,369 |
| Hemphill | $1,097 | $932 | $1,031 | $1,114 | $1,177 |
| Henderson | $1,280 | $1,091 | $1,213 | $1,285 | $1,355 |
| Hidalgo | $1,317 | $1,132 | $1,247 | $1,315 | $1,380 |
| Hill | $1,169 | $993 | $1,106 | $1,176 | $1,243 |
| Hockley | $1,076 | $919 | $1,017 | $1,087 | $1,146 |
| Hood | $1,210 | $1,039 | $1,156 | $1,208 | $1,271 |
| Hopkins | $1,155 | $987 | $1,096 | $1,159 | $1,222 |
| Houston | $1,309 | $1,113 | $1,238 | $1,315 | $1,389 |
| Howard | $1,125 | $965 | $1,075 | $1,124 | $1,184 |
| Hudspeth | $1,074 | $912 | $1,010 | $1,091 | $1,153 |
| Hunt | $1,213 | $1,036 | $1,154 | $1,215 | $1,281 |
| Hutchinson | $1,180 | $1,000 | $1,110 | $1,198 | $1,267 |
| Irion | $1,074 | $912 | $1,010 | $1,091 | $1,153 |
| Jack | $1,120 | $953 | $1,057 | $1,129 | $1,193 |
| Jackson | $1,110 | $948 | $1,050 | $1,117 | $1,177 |
| Jasper | $1,252 | $1,065 | $1,184 | $1,255 | $1,325 |
| Jeff Davis | $1,070 | $909 | $1,005 | $1,090 | $1,151 |
| Jefferson | $1,426 | $1,231 | $1,369 | $1,418 | $1,488 |
| Jim Hogg | $1,271 | $1,086 | $1,191 | $1,286 | $1,353 |
| Jim Wells | $1,141 | $982 | $1,087 | $1,137 | $1,194 |
| Johnson | $1,222 | $1,048 | $1,170 | $1,212 | $1,276 |
| Jones | $1,124 | $954 | $1,057 | $1,138 | $1,201 |
| Karnes | $1,127 | $963 | $1,066 | $1,136 | $1,197 |
| Kaufman | $1,287 | $1,101 | $1,229 | $1,283 | $1,352 |
| Kendall | $1,236 | $1,057 | $1,169 | $1,251 | $1,318 |
| Kenedy | $1,275 | $1,089 | $1,199 | $1,283 | $1,350 |
| Kent | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Kerr | $1,247 | $1,062 | $1,176 | $1,261 | $1,331 |
| Kimble | $1,254 | $1,070 | $1,185 | $1,271 | $1,338 |
| King | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Kinney | $1,179 | $1,011 | $1,113 | $1,189 | $1,251 |
| Kleberg | $1,141 | $982 | $1,087 | $1,137 | $1,194 |
| Knox | $1,137 | $965 | $1,068 | $1,153 | $1,218 |
| La Salle | $1,144 | $980 | $1,079 | $1,156 | $1,216 |
| Lamar | $1,231 | $1,051 | $1,169 | $1,235 | $1,303 |
| Lamb | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Lampasas | $1,197 | $1,023 | $1,135 | $1,203 | $1,267 |
| Lavaca | $1,157 | $986 | $1,092 | $1,171 | $1,234 |
| Lee | $1,267 | $1,080 | $1,199 | $1,275 | $1,345 |
| Leon | $1,304 | $1,107 | $1,229 | $1,313 | $1,387 |
| Liberty | $1,375 | $1,176 | $1,307 | $1,379 | $1,453 |
| Limestone | $1,163 | $988 | $1,100 | $1,171 | $1,237 |
| Lipscomb | $1,094 | $930 | $1,029 | $1,109 | $1,172 |
| Live Oak | $1,159 | $990 | $1,096 | $1,171 | $1,234 |
| Llano | $1,167 | $997 | $1,097 | $1,184 | $1,247 |
| Loving | $1,070 | $910 | $1,008 | $1,086 | $1,147 |
| Lubbock | $1,240 | $1,064 | $1,183 | $1,236 | $1,301 |
| Lynn | $1,093 | $931 | $1,029 | $1,107 | $1,169 |
| Madison | $1,320 | $1,121 | $1,243 | $1,330 | $1,405 |
| Marion | $1,331 | $1,129 | $1,256 | $1,341 | $1,417 |
| Martin | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Mason | $1,202 | $1,026 | $1,133 | $1,216 | $1,281 |
| Matagorda | $1,183 | $1,015 | $1,125 | $1,185 | $1,247 |
| Maverick | $1,304 | $1,120 | $1,232 | $1,307 | $1,372 |
| Mcculloch | $1,253 | $1,066 | $1,180 | $1,271 | $1,340 |
| Mclennan | $1,221 | $1,046 | $1,167 | $1,217 | $1,282 |
| Mcmullen | $1,189 | $1,015 | $1,122 | $1,202 | $1,266 |
| Medina | $1,232 | $1,057 | $1,170 | $1,239 | $1,304 |
| Menard | $1,255 | $1,070 | $1,185 | $1,271 | $1,340 |
| Midland | $1,155 | $994 | $1,106 | $1,155 | $1,215 |
| Milam | $1,272 | $1,083 | $1,204 | $1,280 | $1,350 |
| Mills | $1,177 | $1,001 | $1,114 | $1,184 | $1,250 |
| Mitchell | $1,116 | $949 | $1,051 | $1,130 | $1,193 |
| Montague | $1,156 | $981 | $1,094 | $1,161 | $1,228 |
| Montgomery | $1,326 | $1,141 | $1,271 | $1,324 | $1,392 |
| Moore | $1,142 | $967 | $1,073 | $1,159 | $1,226 |
| Morris | $1,357 | $1,156 | $1,288 | $1,359 | $1,434 |
| Motley | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Nacogdoches | $1,344 | $1,145 | $1,281 | $1,342 | $1,417 |
| Navarro | $1,177 | $1,001 | $1,114 | $1,184 | $1,250 |
| Newton | $1,290 | $1,094 | $1,217 | $1,296 | $1,369 |
| Nolan | $1,110 | $943 | $1,046 | $1,124 | $1,187 |
| Nueces | $1,233 | $1,065 | $1,180 | $1,223 | $1,282 |
| Ochiltree | $1,045 | $891 | $985 | $1,057 | $1,116 |
| Oldham | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Orange | $1,404 | $1,209 | $1,343 | $1,401 | $1,472 |
| Palo Pinto | $1,160 | $985 | $1,097 | $1,166 | $1,232 |
| Panola | $1,288 | $1,092 | $1,216 | $1,294 | $1,367 |
| Parker | $1,205 | $1,030 | $1,150 | $1,203 | $1,268 |
| Parmer | $1,084 | $923 | $1,022 | $1,098 | $1,159 |
| Pecos | $1,070 | $909 | $1,006 | $1,084 | $1,146 |
| Polk | $1,281 | $1,090 | $1,211 | $1,287 | $1,359 |
| Potter | $1,314 | $1,127 | $1,254 | $1,317 | $1,386 |
| Presidio | $1,054 | $896 | $989 | $1,073 | $1,134 |
| Rains | $1,203 | $1,027 | $1,141 | $1,207 | $1,273 |
| Randall | $1,255 | $1,075 | $1,196 | $1,258 | $1,325 |
| Reagan | $1,061 | $902 | $995 | $1,081 | $1,142 |
| Real | $1,202 | $1,026 | $1,133 | $1,216 | $1,281 |
| Red River | $1,293 | $1,099 | $1,220 | $1,303 | $1,377 |
| Reeves | $1,048 | $891 | $988 | $1,063 | $1,123 |
| Refugio | $1,108 | $948 | $1,050 | $1,116 | $1,176 |
| Roberts | $1,137 | $967 | $1,069 | $1,153 | $1,217 |
| Robertson | $1,280 | $1,088 | $1,209 | $1,287 | $1,359 |
| Rockwall | $1,362 | $1,173 | $1,306 | $1,357 | $1,426 |
| Runnels | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Rusk | $1,360 | $1,158 | $1,292 | $1,357 | $1,433 |
| Sabine | $1,292 | $1,097 | $1,218 | $1,301 | $1,374 |
| San Augustine | $1,307 | $1,107 | $1,228 | $1,320 | $1,395 |
| San Jacinto | $1,269 | $1,079 | $1,199 | $1,275 | $1,346 |
| San Patricio | $1,096 | $944 | $1,046 | $1,091 | $1,146 |
| San Saba | $1,202 | $1,026 | $1,133 | $1,216 | $1,281 |
| Schleicher | $1,066 | $906 | $997 | $1,088 | $1,149 |
| Scurry | $1,112 | $948 | $1,048 | $1,128 | $1,190 |
| Shackelford | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Shelby | $1,297 | $1,100 | $1,224 | $1,304 | $1,378 |
| Sherman | $1,135 | $966 | $1,069 | $1,150 | $1,214 |
| Smith | $1,325 | $1,134 | $1,269 | $1,315 | $1,386 |
| Somervell | $1,177 | $1,001 | $1,114 | $1,184 | $1,250 |
| Starr | $1,275 | $1,089 | $1,199 | $1,283 | $1,350 |
| Stephens | $1,175 | $998 | $1,109 | $1,184 | $1,250 |
| Sterling | $1,172 | $995 | $1,099 | $1,189 | $1,256 |
| Stonewall | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Sutton | $1,090 | $927 | $1,023 | $1,110 | $1,172 |
| Swisher | $1,126 | $959 | $1,061 | $1,140 | $1,204 |
| Tarrant | $1,269 | $1,098 | $1,222 | $1,264 | $1,327 |
| Taylor | $1,120 | $956 | $1,068 | $1,119 | $1,181 |
| Terrell | $1,074 | $912 | $1,010 | $1,091 | $1,153 |
| Terry | $1,120 | $956 | $1,059 | $1,131 | $1,193 |
| Throckmorton | $1,155 | $981 | $1,081 | $1,177 | $1,242 |
| Titus | $1,293 | $1,101 | $1,225 | $1,297 | $1,369 |
| Tom Green | $1,079 | $926 | $1,028 | $1,081 | $1,137 |
| Travis | $1,280 | $1,104 | $1,229 | $1,278 | $1,342 |
| Trinity | $1,308 | $1,111 | $1,236 | $1,314 | $1,388 |
| Tyler | $1,280 | $1,088 | $1,207 | $1,289 | $1,361 |
| Upshur | $1,349 | $1,150 | $1,281 | $1,345 | $1,419 |
| Upton | $1,074 | $912 | $1,010 | $1,091 | $1,153 |
| Uvalde | $1,187 | $1,014 | $1,119 | $1,200 | $1,264 |
| Val Verde | $1,234 | $1,060 | $1,167 | $1,238 | $1,300 |
| Van Zandt | $1,339 | $1,139 | $1,269 | $1,344 | $1,419 |
| Victoria | $1,160 | $995 | $1,104 | $1,161 | $1,221 |
| Walker | $1,285 | $1,094 | $1,217 | $1,289 | $1,361 |
| Waller | $1,341 | $1,149 | $1,274 | $1,346 | $1,417 |
| Ward | $1,065 | $909 | $1,010 | $1,070 | $1,128 |
| Washington | $1,167 | $998 | $1,105 | $1,177 | $1,240 |
| Webb | $1,423 | $1,219 | $1,334 | $1,444 | $1,518 |
| Wharton | $1,160 | $990 | $1,099 | $1,168 | $1,232 |
| Wheeler | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Wichita | $1,111 | $954 | $1,059 | $1,113 | $1,170 |
| Wilbarger | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Willacy | $1,173 | $1,005 | $1,107 | $1,178 | $1,238 |
| Williamson | $1,200 | $1,032 | $1,148 | $1,195 | $1,256 |
| Wilson | $1,232 | $1,056 | $1,171 | $1,236 | $1,301 |
| Winkler | $1,046 | $892 | $991 | $1,052 | $1,110 |
| Wise | $1,184 | $1,009 | $1,126 | $1,187 | $1,253 |
| Wood | $1,192 | $1,018 | $1,130 | $1,197 | $1,262 |
| Yoakum | $1,096 | $933 | $1,036 | $1,106 | $1,168 |
| Young | $1,108 | $943 | $1,045 | $1,118 | $1,181 |
| Zapata | $1,216 | $1,037 | $1,142 | $1,226 | $1,291 |
| Zavala | $1,171 | $1,001 | $1,104 | $1,184 | $1,247 |
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.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Younger drivers pay the most. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage. Prices fall quickly through the early 20s, keep easing into a driver’s 60s and rise again after that.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
A DWI conviction raises car insurance prices sharply, and our averages above are for a clean-record driver. In this breakdown, which labels the conviction a DUI, full coverage for a driver with one runs from about $4,264 a year with USAA to $5,589 with AAA, a gap of about 31%. Compare quotes again as the conviction ages.
| Insurance Provider | State Minimum (DUI): | Full Coverage (DUI): |
|---|---|---|
| Progressive | $1,299 | $4,613 |
| USAA | $1,404 | $4,264 |
| State Farm | $1,822 | $4,805 |
| AAA | $1,985 | $5,589 |
| GEICO | $2,018 | $5,066 |
The average cost of car insurance in Texas is about $251 a month ($3,011 a year) for full coverage and $89 a month ($1,065 a year) for liability-only coverage at the 30/60/25 state minimum. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Without Allstate, the Texas average is about $209 a month.
State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our Texas rate data, at about $184 and $185 a month. USAA, which sells only to military members, veterans and their families, has a lower average still ($182 a month). For liability-only coverage, State Farm has the lowest average among the five major insurers we compared, at about $62 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Dallas County and Harris County cost the most, at about $285 and $284 a month for full coverage, followed by Potter County ($278). Houston averages about $292 a month and Amarillo $276. Brewster County, in the Big Bend, is the least expensive county we price, at about $209.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their Texas full-coverage average fell 0.5%, from about $2,523 to $2,511 a year. That’s lower than the Texas average of $3,011 because it leaves out Allstate. Auto Club (AAA) cut its Texas average 6.3% and Progressive 4.7%, while USAA raised its average 8.5% and GEICO 3.5%. Liability-only coverage at 30/60/25 limits fell 2.0%.
Texas requires $30,000 per person and $60,000 per crash in bodily injury liability and $25,000 in property damage liability, the 30/60/25 minimum in place since Jan. 1, 2011. Policies also include personal injury protection and uninsured/underinsured motorist coverage unless you turn them down in writing.
No. Texas uses a fault-based system, so the driver who causes a crash pays for the damage through their liability coverage. Under the state’s comparative responsibility law, a driver who is more than 50% responsible for a crash can’t recover damages.
For our benchmark driver, full coverage in Texas averages about $251 a month. Arkansas averages about $204, 19% below Texas. Louisiana averages about $288, 15% above Texas. New Mexico averages about $205, 18% below Texas. Oklahoma averages about $243, 3% below Texas. Arkansas, New Mexico and Oklahoma cost less. These averages use the same driver and coverage in every state, from rates as of Sept. 30, 2026.
