Auto Insurance Costs in Texas (TX)

Drivers in Texas pay 16.2% more than the national average for auto insurance. The average annual premium for full coverage is $1,946 ($162/month).

Updated July 2026
Full Coverage
$1,946
per year ($162/month)
16.2% above national average
Minimum Coverage
$621
per year ($52/month)
Homeowners Insurance
$2,780
per year ($232/month)
52.7% above national average

Minimum Auto Insurance Requirements in Texas

Texas requires all drivers to carry minimum liability coverage of 30/60/25 (bodily injury per person / bodily injury per accident / property damage).

What does 30/60/25 mean?

The three numbers represent your minimum coverage limits (in thousands of dollars): the first is the maximum per person for injuries you cause, the second is the total maximum per accident, and the third covers property damage you cause to others.

While minimum coverage meets legal requirements, it may leave you financially exposed in a serious accident. Full coverage adds collision and comprehensive to protect your own vehicle as well.

About 14.1% of drivers in Texas are uninsured, which is near the national average of about 12.6%.

What Affects Auto Insurance Rates in Texas?

  • Your city: Urban areas with heavier traffic typically cost more than rural areas.
  • Your driving record: Accidents and tickets raise your rate. Most violations affect your premium for 3-5 years.
  • Your vehicle: Newer, more expensive, or higher-horsepower vehicles cost more to insure.
  • Your credit score: Most insurers in Texas use credit-based insurance scores when setting rates.
  • Your age: Drivers under 25 and over 65 tend to pay more, with the highest rates for teenagers.
  • Your coverage level: Choosing higher deductibles lowers your premium but increases your out-of-pocket cost if you file a claim.

Auto Insurance Costs by City in Texas

Rates vary within Texas based on local factors like traffic density, crime rates, and weather patterns.

CityPopulationAnnual CostMonthly Costvs. State Avg
Houston2,304,580$2,374/yr$198/mo22.0% above state avg
San Antonio1,434,625$2,024/yr$169/mo4.0% above state avg
Dallas1,304,379$2,432/yr$203/mo25.0% above state avg
Austin978,908$2,102/yr$175/mo8.0% above state avg
Fort Worth958,692$2,180/yr$182/mo12.0% above state avg
El Paso678,815$1,712/yr$143/mo12.0% below state avg
Arlington394,266$2,238/yr$186/mo15.0% above state avg
Corpus Christi317,863$1,985/yr$165/moNear state avg
Plano285,494$2,063/yr$172/mo6.0% above state avg
Lubbock263,584$1,829/yr$152/mo6.0% below state avg
Irving256,684$2,218/yr$185/mo14.0% above state avg
Laredo255,205$1,790/yr$149/mo8.0% below state avg
Garland246,018$2,296/yr$191/mo18.0% above state avg
Frisco219,587$1,985/yr$165/moNear state avg
Amarillo200,393$1,751/yr$146/mo10.0% below state avg
McKinney199,177$2,024/yr$169/mo4.0% above state avg
Grand Prairie196,100$2,102/yr$175/mo8.0% above state avg
Brownsville186,738$1,751/yr$146/mo10.0% below state avg
Killeen153,095$1,907/yr$159/moNear state avg
Pasadena151,227$2,335/yr$195/mo20.0% above state avg
Denton148,146$1,790/yr$149/mo8.0% below state avg
Midland146,038$2,102/yr$175/mo8.0% above state avg
McAllen142,210$1,771/yr$148/mo9.0% below state avg
Waco139,236$1,849/yr$154/mo5.0% below state avg
Round Rock137,782$1,985/yr$165/moNear state avg
Pearland125,828$1,985/yr$165/moNear state avg
Abilene125,182$1,751/yr$146/mo10.0% below state avg
Odessa123,334$1,985/yr$165/moNear state avg
College Station120,511$1,712/yr$143/mo12.0% below state avg
Beaumont115,282$2,141/yr$178/mo10.0% above state avg
League City115,282$1,790/yr$149/mo8.0% below state avg
Lewisville111,822$1,849/yr$154/mo5.0% below state avg
Sugar Land111,026$1,751/yr$146/mo10.0% below state avg
Tyler106,985$1,790/yr$149/mo8.0% below state avg
Allen105,623$1,712/yr$143/mo12.0% below state avg
Conroe97,856$1,849/yr$154/mo5.0% below state avg
Edinburg97,304$1,849/yr$154/mo5.0% below state avg
New Braunfels90,209$1,751/yr$146/mo10.0% below state avg
Mission84,827$1,907/yr$159/moNear state avg
Temple82,073$1,790/yr$149/mo8.0% below state avg
Flower Mound79,650$1,654/yr$138/mo15.0% below state avg
Pharr79,112$1,985/yr$165/moNear state avg
Mansfield75,454$1,712/yr$143/mo12.0% below state avg
Georgetown75,420$1,712/yr$143/mo12.0% below state avg
Pflugerville71,938$1,751/yr$146/mo10.0% below state avg
San Marcos67,553$1,751/yr$146/mo10.0% below state avg
Victoria67,080$1,849/yr$154/mo5.0% below state avg

How to Save on Auto Insurance in Texas

  1. Compare quotes from at least 3-5 companies. Rates can vary by hundreds of dollars for the same coverage.
  2. Bundle your policies. Many insurers offer 10-25% discounts when you combine auto with home or renters insurance.
  3. Raise your deductible. Increasing your deductible from $500 to $1,000 can save 15-30% on collision and comprehensive coverage.
  4. Ask about discounts. Common discounts include safe driver, good student, military, low mileage, and paying in full.
  5. Maintain good credit. In Texas, improving your credit score can significantly lower your premium.
  6. Review your coverage annually. As your car ages, you may want to drop collision coverage if the premium approaches the car's value.

Frequently Asked Questions About Texas Auto Insurance

How much does car insurance cost in Texas?

The average cost of full coverage car insurance in Texas is $1,946 per year, or about $162 per month. Minimum coverage averages $621 per year. Your actual rate depends on your driving record, credit score, vehicle, and where you live within the state.

Is car insurance expensive in Texas?

Yes, Texas has some of the highest auto insurance rates in the country, ranking #10 nationally.

What is the minimum car insurance required in Texas?

Texas requires minimum liability coverage of 30/60/25 (bodily injury per person/per accident/property damage, in thousands). This is the legal minimum to drive, but it may not be enough to cover a serious accident.