Car insurance in Texas costs between $65 and $77 per month for minimum coverage and $150 to $229 per month for full coverage. On average, drivers pay around $209 per month, though rates can vary based on location, driving history, vehicle type, and coverage level.
The cheapest car insurance companies in Texas include Texas Farm Bureau, State Farm, and GEICO, with monthly rates starting as low as $35 to $70 depending on driver profile and eligibility.
Texas requires minimum liability coverage of $30,000 for injury per person, $60,000 per accident, and $25,000 for property damage, but many drivers opt for full coverage for better financial protection.
Comparing car insurance rates by city, coverage type, and provider can help you find the most affordable option and reduce your monthly premium.
| Coverage Type | Monthly Cost Range | Annual Cost Range |
|---|---|---|
| Minimum Coverage | $65 – $77 | $795 – $924 |
| Full Coverage | $150 – $229 | $1,799 – $2,748 |
| Overall Average | $209 | $2,510 |
Source: moneygeek.com
Note: Rates are based on averages and may not reflect your specific profile.
Texas may be a huge state, but we’ll help you navigate your way to affordable car insurance that checks all your boxes. Whether you’re looking for minimum insurance or more coverage options to give you peace of mind, we’ve got you covered.
Keep reading for the low down on all things Texas auto insurance, so you can get behind the wheel in full confidence.
Let’s get started.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
| City | Full Coverage Range | Minimum Coverage Range |
|---|---|---|
| Houston | $166 – $229 | $70 – $95 |
| Dallas | $170 – $210 | $70 – $95 |
| Austin | $97 – $158 | $42 – $69 |
| Plano | $150 – $190 | $65 – $90 |
Source: moneygeek.com
Note: Rates are based on averages and may not reflect your specific profile.
If you’re looking for the cheapest auto insurance in Texas, you’ll find it by choosing minimum car insurance. This means that you have the bare minimum amount of insurance required by the state to drive.
This bare minimum varies by state, but pretty much always includes at least liability. In Texas, there are three components:
This structure is called 30/60/25 and it means that you’re responsible for injuries and damage you cause in an accident.
Of course, this is Texas so bigger is better, and car insurance is no exception. It’s strongly recommended to have more coverage than just the minimum requirements, because it better protects you, your passengers, and other drivers on the road.
| Coverage Type | Minimum Limit | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $30,000 | Injury/death of one person |
| Bodily Injury (per accident) | $60,000 | Total injuries per accident |
| Property Damage | $25,000 | Damage to vehicles/property |
Source: tdi.texas.gov
Note: Rates are based on averages and may not reflect your specific profile.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
| Company | Monthly Range | Annual Range |
|---|---|---|
| Texas Farm Bureau | $35 – $70 | $424 – $840 |
| State Farm | $41 – $57 | $489 – $684 |
| GEICO | $56 – $80 | $672 – $960 |
| Auto Club (AAA) | $46 – $72 | $547 – $864 |
| Mercury | $90 – $94 | $1,080 – $1,129 |
Source: : nerdwallet.com
Note: Rates are based on averages and may not reflect your specific profile.
“I don’t pay enough for car insurance,” said no one ever. Car insurance can be a big expense, but we have tips to help you shave off some of those costs to put more money back in your pocket.
You can also shave some money off your rates by paying in advance, choosing a safer model of car, and installing anti-theft devices. Saving money on your car insurance can take a little work, but it’s worth it to see your hard-earned money safely back in your pocket.
| Category | Monthly Cost Range | Annual Cost Range |
|---|---|---|
| Low-cost drivers | $100 – $150 | $1,200 – $1,800 |
| Average drivers | $150 | $1,799 |
| High-risk drivers | $250 – $550+ | $3,000 – $6,600+ |
Source: moneygeek.com
Note: Rates are based on averages and may not reflect your specific profile.
Getting car insurance can feel overwhelming. But it’s simpler than you might think. The first step is to get quotes and review them before making your decision.
Getting quotes is the easy part. There are plenty of insurance providers out there for the choosing. Be wary of any offers that seem too good to be true—they probably are. If in doubt, reach out to an insurance agent to help weed through the noise and find the best policy for you.
You can start by getting access to free quotes fast here.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
The temps might soar in Texas, but your car insurance rates don’t have to. Whether you’re looking into car insurance for a brand new set of wheels, looking to switch providers, or you are moving to the Lone Star State, one thing is for sure: affordable car insurance is within reach.
Now that you have a better understanding of the coverage you need and what you can expect to pay, it’s time to pony up and find the right policy for you. Get access to car insurance quotes here and you’ll be covered before you know it.
Let’s hit the road.
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
