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Updated Feb 13, 2025
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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.

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Powered by Coverage.com (NPN: 19966249)

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.

Age 16*
Avg. monthly full coverage premium in Texas
$473
Avg. annual full coverage premium in Texas
$5,680
Age 18
Avg. monthly full coverage premium in Texas
$642
Avg. annual full coverage premium in Texas
$7,709
Age 20
Avg. monthly full coverage premium in Texas
$507
Avg. annual full coverage premium in Texas
$6,089
Age 25
Avg. monthly full coverage premium in Texas
$290
Avg. annual full coverage premium in Texas
$3,480
Age 30
Avg. monthly full coverage premium in Texas
$236
Avg. annual full coverage premium in Texas
$2,836
Age 40
Avg. monthly full coverage premium in Texas
$217
Avg. annual full coverage premium in Texas
$2,600
Age 50
Avg. monthly full coverage premium in Texas
$203
Avg. annual full coverage premium in Texas
$2,437
Age 60
Avg. monthly full coverage premium in Texas
$196
Avg. annual full coverage premium in Texas
$2,346
Age 70
Avg. monthly full coverage premium in Texas
$215
Avg. annual full coverage premium in Texas
$2,574
*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
$428
Avg. annual full coverage premium in Texas
$5,141
Age 18
Avg. monthly full coverage premium in Texas
$577
Avg. annual full coverage premium in Texas
$6,918
Age 20
Avg. monthly full coverage premium in Texas
$439
Avg. annual full coverage premium in Texas
$5,273
Age 25
Avg. monthly full coverage premium in Texas
$267
Avg. annual full coverage premium in Texas
$3,207
Age 30
Avg. monthly full coverage premium in Texas
$226
Avg. annual full coverage premium in Texas
$2,712
Age 40
Avg. monthly full coverage premium in Texas
$212
Avg. annual full coverage premium in Texas
$2,545
Age 50
Avg. monthly full coverage premium in Texas
$200
Avg. annual full coverage premium in Texas
$2,402
Age 60
Avg. monthly full coverage premium in Texas
$190
Avg. annual full coverage premium in Texas
$2,285
Age 70
Avg. monthly full coverage premium in Texas
$204
Avg. annual full coverage premium in Texas
$2,449
*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 premiums for male drivers in many states. However, insurance companies use a combination of factors, like location, vehicle type and individual driving history to determine rates. Gender is just one of the many components of this calculation.

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Age 16
Avg. annual premium for drivers in TX
$5,411
Age 17
Avg. annual premium for drivers in TX
$5,103
Age 18
Avg. annual premium for drivers in TX
$4,707
Age 19
Avg. annual premium for drivers in TX
$4,256
Age 20
Avg. annual premium for drivers in TX
$4,006
Age 18
Avg. annual premium for drivers in TX
$7,314
Age 19
Avg. annual premium for drivers in TX
$6,250
Age 20
Avg. annual premium for drivers in TX
$5,681
Age Avg. annual premium difference for drivers on their own policy
Age 18 55 percent more
Age 19 47 percent more
Age 20 42 percent more
Clean driving record
Avg. annual premium* in Texas
$2,572
Percentage increase from Texas avg. annual premium*
0%
Avg. annual premium* in Texas
$2,870
Percentage increase from Texas avg. annual premium*
12%
Avg. annual premium* in Texas
$3,965
Percentage increase from Texas avg. annual premium*
54%
Avg. annual premium* in Texas
$3,994
Percentage increase from Texas avg. annual premium*
55%
*Rates reflected are for full coverage policies.
Avg. annual premium* in Texas
$6,136
Percentage difference from Texas avg. annual premium*
139%
Average
Avg. annual premium* in Texas
$3,019
Percentage difference from Texas avg. annual premium*
17%
Avg. annual premium* in Texas
$2,572
Percentage difference from Texas avg. annual premium*
0%
Excellent
Avg. annual premium* in Texas
$2,205
Percentage difference from Texas avg. annual premium*
-14%
*Rates reflect full coverage policies.
Avg. annual premium* in Texas
$2,572
Avg. annual premium* in Texas
$2,528
Avg. annual premium* in Texas
$2,277
BMW 330i
Avg. annual premium* in Texas
$3,144
Toyota Prius
Avg. annual premium* in Texas
$2,645
*Rates reflect full coverage policies.

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