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Car Insurance in Texas

How to get the best car insurance in Texas (updated June 2024)

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Car Insurance Costs in Texas

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Texas residents, in particular, pay an average of $202 per month for auto insurance - which is 7% above the national average. Weather-related risks such as thunderstorms, tornadoes, and hurricanes contribute to hiking Texas's premiums. Highly populated urban cities like Houston, Austin, and Dallas also increase the state's accidents and crime rates.

To effectively compare options, this page only highlights factors that we believe have direct influence on the total cost you pay for car insurance in your area. For Texans, our data shows that these factors include applicable discounts, unique consumer profiles, popular car models, and typical coverage types.

Location remains one of the largest factors that will influence your car insurance cost. With some information, you can get ZIP code specific quotes, completely free here. The rest of this page will aim to address the most common questions asked by shoppers in your area - read on to better understand the state of car insurance in Texas.

Texas Car Insurance Laws

Texas car insurance laws require all cars to have insurance. Furthermore, you must provide and carry proof of car insurance anytime you’re driving within the state. Failure to do so will result in penalties.

“ Texas requires you to get insurance before or on the same day as you buy a new car. ” 

Without proof of insurance, you risk the following:

  • Your vehicle getting impounded
  • Your vehicle’s registration or driver’s license getting suspended
  • $175 to $350 fine
  • A fine of up to $1,000 for subsequent offenses after the first
  • An SR-22 certificate filing

Like most states, Texas requires you to get insurance before or on the same day you buy a new car. However, your insurance coverage will automatically extend to your new car for a brief grace period of about 20 days after the purchase, though the specifics can vary depending on your insurance provider and policy terms

What is the minimum car insurance required in Texas?

Texas minimum car insurance requirements are often listed in shorthand 30/60/25. They outline the following requirements:

  • $30,000 for each injured person
  • $60,000 for injuries per accident
  • $25,000 for property damage per accident

Texas car insurance requirements are relatively standard compared to many other states. However, Texas car insurance minimums do not require additional coverage types like personal injury protection or uninsured/underinsured motorist coverage, although they can be beneficial for added protection. 

How much does minimum coverage cost in Texas?

State Minimum
Full 50/100
Full 100/300

The average cost for a policy in Texas with minimum state coverage is $75 per month. This amount can range from as low as $31 to as high as $421 per month depending on the carrier and jump up significantly when you consider additional coverage. Because of this wide range, more car owners are shopping for new insurance providers than ever in order to combat the rising cost of car ownership.

Cost of Car Insurance in Texas

Who has the cheapest car insurance in Texas?

At $202 a month, Texas is the 11th most expensive state for car insurance. Fortunately, Texas has a lot of carriers to choose from and potentially bring that cost down. To assess the more affordable options, we created a benchmark profile seeking 50/100 liability coverage. Below are the top 10 cheapest car insurance providers in Texas:

Rank Insurance company Average monthly premium
1 Texas Farm Bureau $83
2 Redpoint County Mutual $113
3 USAA $140
4 State Farm $143
5 AmTrust $146
6 GEICO $157
7 Auto Club $185
8 Esurance $204
9 Progressive $206
10 Allstate $319
Avg. monthly premiums are weighted by zip code population sizes

What city in Texas has the lowest car insurance cost?

In a state as big as Texas, car insurance costs can vary wildly across cities. For example, Houston residents pay 40% more for car insurance than those living in City Park. Below is a look at how car insurance costs differ across the 5 largest cities: 

Rank Texas city Average monthly premium
1 Austin $195
2 Fort Worth $196
3 San Antonio $200
4 Dallas $227
5 Houston $235

While city-level figures provide some sense of what you should to expect to pay for car insurance, our data shows that insurance carriers offer some very low rates for certain ZIP codes. These rates fluctuate frequently and the best way to guarantee the lowest car insurance cost is to compare options specifically tailored to you.

Fast, Free Auto Insurance Quotes

What's the cheapest car to insure in Texas?

How much it costs to insure a specific vehicle will depend largely on its make, model, and year. Additional safety features as well as vehicle history can also have significant influence over the final policy price. For this list, we analyzed the top 24 most popular 2023 cars that demonstrate the wide range of premium prices in the state. Below is a list of the top 10 cheapest cars to insure in Texas:

RankMake and ModelAverage monthly premium
1Honda Odyssey$196
2Subaru Forester$197
3Honda Cr-V$197
4Toyota Corolla$199
5Ford Fusion$201
6Kia Sedona$202
7Toyota Rav4$202
8Kia Sol$203
9Toyota Tacoma$204
10Ford F-150$210

Who is the best insurance company in Texas?

Who offers the "best" coverage really varies from person to person as it depends on the driver's profile, the car (or cars) being insured, and the type of coverage. That said, with a heavy focus on affordability and coverage across all areas within the state of Texas, below are a few top picks based on our research:

  • For Overall Affordability: Texas Farm Bureau
  • For Young Drivers: Redpoint County Mutual
  • For Retirees: Texas Farm Bureau
  • For Full Coverage: USAA
  • For Homeowners: State Farm
  • For Married Couples: Texas Farm Bureau
  • For Drivers Without Violations: USAA
  • For Active Military or Veterans: USAA

To see who can get you the best personalized coverage within your budget, hit continue and compare options within minutes!

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Texas?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Texas?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Texas?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.

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