Texas Car Insurance Quotes & Rates (2026)

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Get free coverage prices for TX drivers

For a 40-year-old driver with a clean record, Texas car insurance averages about $248 a month ($2,972 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 6% above the national average in our data. It’s about the same as in Oklahoma, higher than in Arkansas and New Mexico and 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

• Full coverage: about $248 a month ($2,972 a year)
• Liability only (30/60/25): about $83 a month
• Lowest-priced insurer: State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the five major insurers we compared, at about $184 and $185 a month
• Recent price change: −0.4% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Dallas County (about $280 a month) and Brewster County (about $209)

Where you live matters. The Houston and Dallas areas and the Panhandle cost the most in our data: Dallas County and Harris County both average about $280 a month, and Potter County, home to Amarillo, $276. 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 Aug. 31, 2026. Page reviewed Oct. 7, 2026.

What’s the Average Cost of Car Insurance in Texas per Month?

For full coverage, Texas drivers pay about $248 a month ($2,972 a year) on average. Liability-only coverage at the state minimum of 30/60/25 runs about $83 a month ($990 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 Aug. 31, 2026.

Full coverage in Texas averages $2,972 a year, or about $248 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $990 a year ($83 a month), and 50/100/50 liability with comprehensive and collision averages $2,728 ($227 a month).

• Full coverage (100/300/100, $500 deductibles): $2,972 a year ($248 a month)
• 50/100/50 with $500 deductibles: $2,728 a year ($227 a month)
• Liability only (30/60/25): $990 a year ($83 a month)
• Without Allstate: $2,513 a year ($209 a month) for full coverage
• Houston: $3,449 a year ($287 a month) for full coverage
• Dallas: $3,458 a year ($288 a month) for full coverage
• San Antonio: $3,058 a year ($255 a month) for full coverage
• Austin: $2,862 a year ($239 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

Allstate is far more expensive than the other insurers here: its full-coverage average of about $439 a month is 2.1 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.

How Texas Compares With Neighboring States

Texas’ average is about $44 a month above Arkansas’, $52 below Louisiana’s, $43 above New Mexico’s and $5 above Oklahoma’s. It’s the 12th-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’, $91 below Louisiana’s, $4 above New Mexico’s and $34 below Oklahoma’s.

Cheapest Car Insurance in Texas: Companies Compared

• Lowest averages among these five insurers, full coverage: State Farm and Auto Club (AAA), effectively tied at about $184 and $185 a month.
• Next lowest: GEICO at $218.
• Military families: USAA averages about $176 a month statewide, but only for eligible members.
• Lowest liability-only average among these five insurers (30/60/25): State Farm, at about $62 a month, then GEICO at $73. USAA, which sells only to military families, is lower still, at about $47 a month.
• Also on our list: Texas Farm Bureau at about $118 a month and Farmers at $388.
• Most expensive in our data: Allstate, at about $439 a month for full coverage, $3,055 a year more than State Farm.

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 $176 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 $47 a month, but it sells only to military families.

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.

See What You’d Pay in Texas

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

One ZIP code gets you started

How Texas’ Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Texas?

Not by much, 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 nine months earlier to $2,513 in rates as of Aug. 31, 2026, a 0.4% drop. Auto Club (AAA) cut its Texas average 6.3% and Progressive 2.2%, while USAA raised its average 4.7% and GEICO 3.5%; State Farm’s average was about unchanged. Allstate is new in our rates over the past nine 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 2.2%, led by USAA, which cut its liability-only average 15.3%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Texas Car Insurance Costs

Texas’ full-coverage average is the 12th-highest of the 50 states and Washington, D.C., in our data. Four things stand out in our numbers and in state law.

• Big-city prices. Houston averages $287 a month and Dallas $288, while San Antonio averages $255, Austin $239 and El Paso $240. Dallas County and Harris County are the most expensive of the 179 Texas counties we price.
• Storm damage. Hail, floods and hurricanes can all damage cars in Texas, and only comprehensive coverage pays for that damage to your car. Comprehensive is part of full coverage, not liability-only coverage.
• One high-priced insurer. Allstate averages about $439 a month statewide, about 2.1 times the average of the other five insurers. Without it, Texas’ average would be about $209 a month, 11% below the national average.
• How rates are set. Texas insurers can start charging new rates the same day they file them with the Texas Department of Insurance, which doesn’t approve rates in advance. State law requires rates that are fair, reasonable and adequate for the risks they cover.

Texas Car Insurance Rates by City

Among cities with at least five ZIP codes in our data, Dallas is the most expensive, at $288 a month for full coverage, followed by Houston at $287 and Garland at $276. Wichita Falls is the least expensive, at about $213. Across all 505 cities and towns we price, averages run from about $289 in Balch Springs to $209 in Alpine, College Station and Sheppard AFB.

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.

Texas City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Texas Car Insurance Rates by County

Dallas County is the most expensive county in our data, at about $280 a month for full coverage, followed by Harris County ($280) and Potter County ($276). The least expensive are Brewster County ($209), Kleberg County ($211) and Wichita and Brazos counties (both $213). We price 179 of Texas’ 254 counties.

How Much More Does Better Coverage Cost in Texas?

Raising liability limits from 50/100/50 to 100/300/100 adds about $244 a year on average statewide in our data, with the same $500 deductibles. Across the six insurers, the step up costs $35 (USAA) to $408 (Allstate) a year. Statewide, that’s about $20 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.

Texas Car Insurance Rules at a Glance

What Car Insurance Is Required in Texas?

Texas 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:

• $30,000 per person and $60,000 per crash in bodily injury liability.
• $25,000 in property damage liability.

Two more coverages come with the policy unless you turn them down in writing:

• Personal injury protection (PIP), which helps pay medical bills for you and your passengers no matter who caused the crash. Insurers must include at least $2,500 per person, according to the Office of Public Insurance Counsel.
• Uninsured/underinsured motorist coverage, which pays when a driver with no insurance or too little insurance hits you. Insurers must offer it, and its deductible is $250, according to the Texas Department of Insurance.

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.

How to Lower Your Car Insurance Rate in Texas

1. Quote several insurers. Among the five major insurers we compared in Texas, the lowest and highest averages are about $255 a month apart for the same driver and car.
2. Compare State Farm and Auto Club (AAA) first. They have the two lowest full-coverage averages among the five major insurers we compared in Texas, about $184 and $185 a month.
3. Decide on PIP before you sign. Texas policies include at least $2,500 in personal injury protection unless you reject it in writing, and it helps pay medical bills no matter who caused the crash.
4. Think twice before dropping uninsured motorist coverage. Texas insurers must offer it and you can turn it down only in writing. It pays when a driver with no insurance or too little insurance hits you.
5. Know your credit rights. Texas insurers can’t turn you down or charge you more only because of your credit score, and you can ask for an exception if an illness, a death, a job loss, a divorce or identity theft hurt your credit.
6. New to Texas? Line up coverage first. You have 30 days after you move to register your vehicle here, and you can drive on your out-of-state license for up to 90 days.
7. Compare at every renewal. Over the past nine months, Auto Club (AAA) has cut its statewide average 6.3% and Progressive 2.2%, while USAA has raised its average 4.7% and GEICO 3.5%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
9. Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Texas and our home insurance guides for Austin, Dallas, Fort Worth, Houston and San Antonio, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.

Compare Texas Car Insurance Quotes

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Start with your ZIP code. It’s free

How We Calculated Texas Car Insurance Rates

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 Aug. 31, 2026.

• Sample: 6,114 full-coverage premiums from six insurers across 1,019 Texas ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Texas’ 30/60/25 minimum, with 30/60 uninsured and underinsured motorist coverage and no comprehensive or collision. The rate data doesn’t list a personal injury protection amount, so we don’t state one for these prices.
• Calculation: for each insurer 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 insurer-and-ZIP price, including USAA and Allstate. We also show the average without Allstate, whose prices are far above the other insurers’, so you can see how much it moves the number. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Allstate is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Texas rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

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

More Texas Car Insurance Breakdowns

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.

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 Does Age Affect Car Insurance Costs in Texas?

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.

How Much Does a DWI Raise Car Insurance in Texas?

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.

Texas Car Insurance FAQ