How Much Does Auto Insurance Cost in Texas?

Compare the best car insurance rates today.

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 auto insurance policy.

What Car Insurance is Required in Texas

According to the Texas Department of Insurance, you must have enough insurance to cover the following minimum liability limits:

This is known as 30/60/25 coverage. You must carry proof of insurance at all times when you drive and show it to a police officer when asked, after an accident, when you renew your license or registration, and during you car inspection. If you don’t, you face a fine and potential license suspension.

Average Cost for Car Insurance in Texas by County

The best way to save money on car insurance in Texas is to know how much you should be paying. Here is the average cost the average TX driver pays for state minimum coverage by county and type of vehicle:

Auto Insurance Costs by 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

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.

What is the Average Cost for Auto Insurance per month in Texas?

The average annual rate for minimum coverage in Texas is $534, which comes out to a monthly rate of $44.50 a month. For full coverage, which includes liability and collision costs, the average annual rate is $1798, which comes out to almost $150 a month. However, your rates for Texas auto insurance will depend on your personal situation.

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:

Teen Driving Laws in Texas

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

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.

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed. All information provided by the experts at insuranceQuotes.