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Average cost of car insurance in Texas for 2024

Updated Nov 13, 2024
In Texas, the average annual cost stands at $2,492 for full coverage car insurance, while minimum coverage averages at $724.
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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 $2,492 annually, compared to the national average of $2,458, while minimum coverage costs $724 per year, only slightly above the national average of $678. However, as Bankrate’s insurance team explains, your rate will vary from these averages since insurance providers have different risk evaluations of certain personal factors such as age and ZIP code, along with factors more within your control, like your vehicle type, driving record and credit rating.

Key takeaways

  • If you opt for monthly insurance payments in Texas, car insurance averages at $208 for full coverage and $60 for minimum coverage.
  • Teen drivers pay some of the highest average rates in Texas: 16-year-old drivers on their parents' policies pay an average of $5,255 per year for full coverage. 
  • Texas drivers with excellent credit pay an average of $2,135 yearly for full coverage; those with poor credit average $5,840.

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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.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in Texas

Average car insurance cost 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 rating, Texas does not. Data indicates 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. Historically, male drivers have displayed riskier driving behaviors compared to females, leading to slightly elevated rates for men.

The rates by age provided in the subsequent tables outline the costs for drivers on their individual policies, while the young drivers table highlights rates when they remain on their parents' policy.

Age 16*
Avg. monthly full coverage premium in Texas
$460
Avg. annual full coverage premium in Texas
$5,525
Age 18
Avg. monthly full coverage premium in Texas
$607
Avg. annual full coverage premium in Texas
$7,286
Age 20
Avg. monthly full coverage premium in Texas
$492
Avg. annual full coverage premium in Texas
$5,900
Age 25
Avg. monthly full coverage premium in Texas
$280
Avg. annual full coverage premium in Texas
$3,354
Age 30
Avg. monthly full coverage premium in Texas
$228
Avg. annual full coverage premium in Texas
$2,740
Age 40
Avg. monthly full coverage premium in Texas
$209
Avg. annual full coverage premium in Texas
$2,513
Age 50
Avg. monthly full coverage premium in Texas
$197
Avg. annual full coverage premium in Texas
$2,362
Age 60
Avg. monthly full coverage premium in Texas
$190
Avg. annual full coverage premium in Texas
$2,275
Age 70
Avg. monthly full coverage premium in Texas
$208
Avg. annual full coverage premium in Texas
$2,495
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Avg. monthly full coverage premium in Texas
$415
Avg. annual full coverage premium in Texas
$4,984
Age 18
Avg. monthly full coverage premium in Texas
$559
Avg. annual full coverage premium in Texas
$6,703
Age 20
Avg. monthly full coverage premium in Texas
$426
Avg. annual full coverage premium in Texas
$5,116
Age 25
Avg. monthly full coverage premium in Texas
$258
Avg. annual full coverage premium in Texas
$3,095
Age 30
Avg. monthly full coverage premium in Texas
$218
Avg. annual full coverage premium in Texas
$2,620
Age 40
Avg. monthly full coverage premium in Texas
$206
Avg. annual full coverage premium in Texas
$2,471
Age 50
Avg. monthly full coverage premium in Texas
$183
Avg. annual full coverage premium in Texas
$2,200
Age 60
Avg. monthly full coverage premium in Texas
$185
Avg. annual full coverage premium in Texas
$2,220
Age 70
Avg. monthly full coverage premium in Texas
$198
Avg. annual full coverage premium in Texas
$2,378
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Car insurance rates often differ between genders, primarily rooted in statistical analyses of driving behavior and risk. Historical data suggests that male drivers, particularly younger ones, are more likely to engage in riskier driving behaviors and have a higher likelihood of being involved in serious accidents. This propensity for risk often results in higher premium rates for male drivers in many states. Conversely, female drivers tend to have fewer accidents and traffic violations, often leading to lower premium rates. However, it’s a must to mention that insurance companies use a combination of factors, including location, vehicle type and individual driving history to determine rates. Gender is just one of the many components in this intricate calculation.

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:

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Age 16*
Avg. annual premium for drivers in TX
$5,255
Age 17
Avg. annual premium for drivers in TX
$4,945
Age 18
Avg. annual premium for drivers in TX
$4,556
Age 19
Avg. annual premium for drivers in TX
$4,116
Age 20
Avg. annual premium for drivers in TX
$3,875
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in TX
$6,994
Age 19
Avg. annual premium for drivers in TX
$6,057
Age 20
Avg. annual premium for drivers in TX
$5,508
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 54 percent more
Age 19 47 percent more
Age 20 42 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

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, especially if you don't have accident forgiveness included in your policy. 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.

Clean driving record
Avg. annual premium* in Texas
$2,492
Percentage increase from Texas avg. annual premium*
0%
Avg. annual premium* in Texas
$2,785
Percentage increase from Texas avg. annual premium*
12%
Avg. annual premium* in Texas
$3,860
Percentage increase from Texas avg. annual premium*
55%
Avg. annual premium* in Texas
$3,892
Percentage increase from Texas avg. annual premium*
56%
*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.

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 more likely to file claims.

Avg. annual premium* in Texas
$5,840
Percentage difference from Texas avg. annual premium*
134%
Average
Avg. annual premium* in Texas
$2,920
Percentage difference from Texas avg. annual premium*
17%
Avg. annual premium* in Texas
$2,492
Percentage difference from Texas avg. annual premium*
0%
Excellent
Avg. annual premium* in Texas
$2,135
Percentage difference from Texas avg. annual premium*
-14%
*Rates reflect full coverage policies.

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.

Avg. annual premium* in Texas
$2,492
Avg. annual premium* in Texas
$2,387
Avg. annual premium* in Texas
$2,190
BMW 330i
Avg. annual premium* in Texas
$2,946
Toyota Prius
Avg. annual premium* in Texas
$2,533
*Rates reflect full coverage policies.

Estimate your car insurance cost in Texas

Car insurance is highly personalized. You can get a more precise premium estimate using the tool below.

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Methodology

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.
  • Practice safe driving while behind the wheel. Texas drivers who avoid accidents and the subsequent insurance claims that follow are more likely to pay a low rate. An at-fault accident, speeding ticket conviction or DUI raises 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. One key recommendation by experts is to shop around when considering a new policy. Obtaining free quotes and comparing rates can help drivers find which auto insurance company will offer them the lowest premiums for the coverage they seek. When doing this, make sure to specify the same types and limits of coverage on each quote.
  • 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 other carriers.

Frequently asked questions

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Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 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 202 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.