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Table of contents
- Compare Texas Auto Insurance Quotes Online
- Texas Car Insurance Requirements (30/60/25)
- Average Texas Car Insurance Rates
- Simplfii Texas Auto Insurance Index™
- Cheapest Car Insurance Companies in Texas
- What Affects Texas Auto Insurance Rates?
- Optional Car Insurance Coverages in Texas
- How to Get Cheap Car Insurance in Texas
- Texas Auto Insurance FAQ
Written by
Larry T Wagner
Reviewed by
Sheri A Shaner
Updated on: March 2026
Compare personalized Texas car insurance quotes in minutes. View real-time auto insurance rates in Texas, customize coverage, and choose the policy that fits your budget.
Simplfii connects drivers with 50+ national carriers and a nationwide network of licensed agents, allowing you to compare options side-by-side with transparent pricing.
Enter your ZIP code to get started.
Compare Texas Auto Insurance Quotes Online
Shopping for cheap car insurance in Texas is one of the most effective ways to lower your premium. Rates vary significantly by ZIP code, driving history, vehicle type, and insurer pricing models.
Many Texas drivers see rate differences of 30–40% between carriers for the same coverage profile. Comparing multiple quotes ensures you do not overpay.
Texas Car Insurance Requirements (30/60/25 Explained)
Texas law requires drivers to carry minimum liability coverage of:
| Coverage Type | Minimum Amount |
|---|---|
| Bodily injury liability (per person) | $30,000 |
| Bodily injury liability (per accident) | $60,000 |
| Property damage liability | $25,000 |
This is commonly referred to as 30/60/25 coverage.
Minimum Liability Coverage in Texas
Liability insurance covers injuries and property damage you cause to others in an accident. It does not cover your own vehicle damage.
Penalties for Driving Without Insurance in Texas
Driving uninsured may result in:
- Fines
- License suspension
- Vehicle impoundment
- SR-22 filing requirements
Many drivers choose higher limits and additional coverage for stronger financial protection.
Average Texas Car Insurance Rates (Updated March 2026)
Auto insurance costs in Texas are influenced by weather risk, population growth, traffic density, and uninsured driver exposure.
Average Annual Texas Auto Insurance Rates
| Coverage Type | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Minimum liability | $720 – $1,050 | $60 – $88 |
| Full coverage | $1,900 – $2,700 | $158 – $225 |
| High-risk driver | $2,800 – $4,500 | $233 – $375 |
Texas Auto Insurance Rates by Major City
| City | Avg Minimum Coverage | Avg Full Coverage |
|---|---|---|
| Houston | $1,050 | $2,900 |
| Dallas | $980 | $2,750 |
| San Antonio | $890 | $2,400 |
| Austin | $870 | $2,350 |
| Fort Worth | $950 | $2,650 |
| El Paso | $820 | $2,100 |
Urban density and hail-related claims significantly impact pricing in Houston and Dallas.
Texas Car Insurance Rates by Age
| Age | Avg Annual Full Coverage |
|---|---|
| 16–20 | $4,500 – $6,500 |
| 21–24 | $2,800 – $3,800 |
| 25–34 | $2,200 – $2,900 |
| 35–49 | $1,900 – $2,600 |
| 50–65 | $1,700 – $2,300 |
| 65+ | $1,800 – $2,500 |
Simplfii Texas Auto Insurance Index™ (Updated March 2026)
Texas auto insurance rates fluctuate significantly by region and risk profile. To better understand how competitive the market is right now, Simplfii developed the Simplfii Texas Auto Insurance Index™.
The Index is based on analysis of real-time quote submissions across Texas and measures overall market competitiveness and pricing pressure.
Overall Texas Index Score: 64 / 100
A score of 64 indicates a moderately high-cost insurance environment with strong carrier competition and meaningful savings potential through comparison shopping.
How the Index Is Calculated
The Index uses a weighted composite model:
| Component | Weight | What It Measures |
|---|---|---|
| Affordability Score | 30% | Median premium vs national baseline |
| Coverage Flexibility | 20% | Availability of optional limits |
| Approval Accessibility | 15% | Quote approval rates across risk tiers |
| Regional Risk Pressure | 20% | Weather, theft, uninsured driver impact |
| Price Stability Trend | 15% | Month-over-month premium movement |
Metro Area Index Scores
| Metro Area | Index Score | Market Pressure |
|---|---|---|
| Houston | 59 | High |
| Dallas | 62 | Moderately High |
| Austin | 68 | Moderate |
| San Antonio | 70 | Moderate |
| El Paso | 73 | Below State Average |
Texas drivers can experience rate differences of up to 35–45% between carriers, depending on ZIP code and risk profile. Comparing quotes remains the most effective strategy to reduce premiums.
Cheapest Car Insurance Companies in Texas
Pricing varies by driver profile, but certain carriers frequently rank competitively.
| Company | Avg Minimum Coverage | Avg Full Coverage |
|---|---|---|
| State Farm | $750 | $2,050 |
| GEICO | $720 | $2,150 |
| Allstate | $950 | $2,800 |
| USAA* | $650 | $1,950 |
* USAA is available to military members and eligible families.
The lowest-cost carrier for one driver may not be the lowest for another. Comparing personalized quotes is essential.
What Affects Texas Auto Insurance Rates?
Several factors determine your premium:
- Driving record: Accidents, tickets, and DUIs significantly increase rates.
- ZIP code and location risk: Hail risk, theft rates, and urban density impact pricing.
- Vehicle type: Luxury, sports, and high-repair-cost vehicles cost more to insure.
- Credit and insurance history: Prior coverage gaps or lower credit tiers may increase premiums.
Optional Car Insurance Coverages in Texas
Beyond minimum liability coverage, drivers often add:
- Collision coverage: Pays for damage to your vehicle after an accident.
- Comprehensive coverage: Protects against theft, hail, vandalism, and non-collision damage.
- Uninsured/underinsured motorist: Covers damages if the at-fault driver lacks sufficient insurance.
- Personal Injury Protection (PIP): Helps cover medical expenses and lost wages after an accident.
How to Get Cheap Car Insurance in Texas
To lower your premium:
- Compare multiple carriers
- Increase deductibles
- Bundle auto and home policies
- Maintain a clean driving record
- Ask about safe-driver and telematics discounts
Shopping quotes annually can prevent long-term overpayment.
Texas Auto Insurance FAQ
Is car insurance required in Texas?
Yes. Texas drivers must carry at least 30/60/25 liability coverage to legally drive.
What does 30/60/25 mean in Texas?
30/60/25 means $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 for property damage liability.
How much is car insurance in Texas per month?
Most drivers pay around $158–$225 per month for full coverage in Texas, but your rate depends on ZIP code, driving record, vehicle, and coverage choices.
What is the cheapest car insurance in Texas?
The cheapest insurer depends on your age, ZIP code, and driving history. Comparing multiple personalized quotes is the best way to find a lower price.
Is Texas a no-fault state?
No. Texas is an at-fault state, meaning the driver responsible for an accident is generally responsible for damages.
How can I lower my Texas car insurance rate?
To lower your premium, compare carriers, increase deductibles, bundle policies, maintain a clean record, and ask about safe-driver or telematics discounts.
Do online quote comparisons affect my credit score?
No. Comparing car insurance quotes typically does not affect your credit score. Insurers may use credit-based insurance factors in some cases, but quote shopping itself doesn’t count as a hard credit inquiry.
Compare Texas Car Insurance Quotes Today
Texas auto insurance rates vary significantly by carrier and region. Comparing personalized quotes allows you to identify competitive pricing and appropriate coverage levels.
Enter your ZIP code to compare Texas car insurance quotes and explore your options.