Average cost of car insurance in Texas for 2025

How much is car insurance in Texas?

Fortunately, the “everything is bigger in Texas” motto doesn’t have too strong of a grip on car insurance rates in the state. Full coverage policies average $2,573 annually, compared to the national average of $2,678, while minimum coverage costs $724 per year compared to the national average of $799. However, your rates may vary. While insurers mostly consider the same factors when calculating rates — these include your age, ZIP code, vehicle, driving record, credit and more — companies may weigh these factors differently. This means you are likely to receive different quotes from different insurers for the same types and levels of coverage.

Key takeaways

• If you opt for monthly insurance payments in Texas, car insurance averages at $214 for full coverage and $60 for minimum coverage.
• Teen drivers pay some of the highest average rates in Texas: parents who add a 16-year-old driver to their policy pay an average of $5,410 per year for full coverage. 
• Texas drivers with excellent credit pay an average of $2,205 yearly for full coverage; those with poor credit average $6,135.

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Texas car insurance rates by city

The average car insurance rate in Texas varies based on where you live. City dwellers often pay more for premiums than rural residents due to a higher likelihood of insurance claims from traffic density, crime rates and other factors. Local weather patterns can also influence rates by ZIP code, especially for Gulf Coast cities threatened by tropical storms and hurricanes. How much car insurance is in your Texas ZIP code may also depend on road conditions there — say, if there’s a lack of traffic lights or rough terrain.

Average car insurance costs by age and gender in Texas

Average car insurance costs in Texas will vary by individual because insurance companies look at risk when calculating your premium. While some states prohibit the use of age in insurance ratings, Texas does not. Data indicate that certain groups are more likely to be involved in accidents. Teen drivers in Texas, due to their limited driving experience, typically face higher car insurance rates than those in their 20s and 30s.

Gender also plays a role in car insurance rates in Texas. Statistically, male drivers display riskier driving behaviors compared to females, leading to slightly elevated rates for men. The rates by age and gender tables below largely outline average costs for drivers on their own policies, aside from 16- and 18-year-old drivers, who were added to their parents' policy.

Cost considerations for young drivers in Texas

Young drivers in Texas face higher average premiums than their older counterparts. In general, the younger and more inexperienced a driver is, the more likely they are to be involved in an auto accident or traffic violation. Insurance companies balance out this increased risk by charging young drivers higher premiums. Young drivers can usually save money by remaining insured on their parents' policy even after they turn 18.

The table below shows the average full coverage rates for young drivers on their own policies compared to those on their parents' policy:

How does driving record impact the cost of car insurance in Texas?

Car insurance rates in Texas vary significantly based on your driving record. A moving violation can lead to a spike in your premium. DUIs are typically the most costly offense, but severe speeding tickets or multiple accidents can also put drivers in the high-risk category. If you have a DUI or other severe driving infraction, there is no guarantee that a carrier will offer you coverage. The best way to gauge eligibility is by requesting personalized quotes.

Car insurance rates in Texas by credit tier

In Texas, your credit history will influence your coverage costs. Drivers with poor credit generally pay more for coverage because they are statistically more likely to file claims.

Texas car insurance rates by vehicle type

The type of car you drive has an impact on your car insurance rates in Texas. Your insurer will look at crash statistics for your car and consider what safety features are installed. It will look at how often cars like yours are stolen as well as how often they are involved in accidents. Some cars, such as sports cars, are often more expensive to repair or replace, and this usually makes them more expensive to insure.

Estimate your car insurance cost in Texas

Car insurance is highly personalized. Rates factor in everything from your personal demographics to your ZIP code and driving record. While only an insurer can provide you with an exact quote, you can get a premium estimate using the tool below by entering in some personal details.

How to save on car insurance in Texas

Although the average full coverage car insurance cost in Texas is $2,426 per year, you may be able to pay less by taking a few simple steps:

• Utilize discounts. Texas drivers can access discounts from almost all insurance companies. Bundling your car insurance with home or renters insurance is one of the most common discounts, but you could save even more by completing simple tasks, such as switching to paperless billing. Ask your agent or check online to see what discounts your company offers.
• Talk to your employer. You may qualify for affiliation discounts — you can ask your employer or an agent to find out. For instance, if you’re an employee of companies like Bank of America or the Dallas ISD, you might qualify for savings. 
• Practice safe driving while behind the wheel. Texas drivers who avoid accidents and subsequent insurance claims typically enjoy lower rates. An at-fault accident, speeding ticket conviction or DUI can raise rates significantly. Taking a defensive driving course could be a way of getting your premium back under control after an accident or traffic violation, but you’ll want to check with your insurance provider.
• Gather several quotes. Shop around when considering a new policy. Obtaining free quotes and comparing rates can help drivers find out which company offers the lowest premiums for the coverage they seek. When doing this, make sure to specify the same coverage types and policy limits for each quote to make a fair comparison.
• Review your policy each year. If there have been any changes in your life in the past year — such as a move to a new location or job switch that means a shorter commute — it may be worthwhile to review your coverage selections and compare quotes from multiple carriers.
• Improve your credit. If you pay down a credit card or pay off a loan and your credit goes up, you may qualify for better insurance rates. Your current insurer will likely pull this information at your next renewal.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.