Texas Car Insurance Rates

Average auto insurance rates in Texas for 2018 are $1,284 annually for full coverage. Comprehensive, collision insurance, and liability cost around $286, $522, and $332, respectively. McAllen, Brownsville, and Dallas tend to have higher average rates, and the two companies who insure the most vehicles in Texas are State Farm and Allstate.

Average rate for full coverage: $1,284

Price estimates for individual coverage:

Comprehensive $286
Collision $522
Liability $332

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Car Insurance in Texas

Using a 40-year-old driver as an example, prices range from as cheap as $394 for only liability insurance to a high rate of $2,774 for a policy for a high-risk driver.

Liability Only $394
Full Coverage $1,284
High Risk $2,774

These differences show why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of depending on rates averaged for all U.S. states.

Use the form below to get accurate rates for your location.

Enter your Texas zip code below to view companies that have cheap auto insurance rates.

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Texas car insurance rate comparison chart
Column chart showing Texas car insurance prices range from $738 to $4,726 for full coverage

Chart shows Texas auto insurance prices for various situations. The cheapest discount price is $738. Drivers choosing higher $1,000 deductibles will pay about $1,102. The average price for a driver age 40 with no violations using $500 deductibles is $1,284. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,642. If you have multiple accidents and violations you could be charged as much as $2,774. The policy rate for full coverage insurance for a 16-year-old driver is $4,726.

Auto insurance rates in Texas can also vary considerably based on the type of vehicle you drive, your driver profile, and deductibles and policy limits.

If you like to drive fast or you caused a few accidents, you could be paying at least $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $540 annually, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $299 extra every year. View Rates by Deductible or Liability Limit

The company you choose definitely has an impact on price. Each company sets their own rates, and prices can range greatly based on indivdual risk characteristics.

In Texas, auto insurance prices range from $1,031 with Travelers to as much as $3,097 with Liberty Mutual. Other companies like USAA, Texas Farm Bureau, and Germania Mutual fall in the middle. Those are not necessarily the exact rates you would pay, as the vehicle you are insuring, your driving record, and your location in Texas all factor in.

Texas Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm18.09%$1,480
2Allstate11.65%$1,684
3Geico10.11%$2,114
4Farmers Insurance9.82%N/A
5Progressive8.56%$1,681
6USAA7.65%$1,106
7Home State4.03%$2,113
8Texas Farm Bureau3.61%$1,223
9Liberty Mutual2.92%$3,097
10Nationwide2.89%$1,569
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $4,700 a year. View Rates by Age

Your choice of vehicle has a significant impact on the price you pay for auto insurance in Texas. Buying a less expensive and safer model will save money on insurance because of cheaper repair costs and lower severity of accident injuries.

The next table shows car insurance premium estimates for some of the more popular vehicles insured in Texas.

Texas Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,3565.3%
Dodge Ram$1,3947.9%
Ford Escape$1,070-20%
Ford Focus$1,242-3.4%
Ford Fusion$1,3625.7%
Ford F-150$1,206-6.5%
GMC Acadia$1,180-8.8%
GMC Sierra$1,3323.6%
Honda Accord$1,198-7.2%
Honda Civic$1,4048.5%
Honda CR-V$1,042-23.2%
Honda Pilot$1,218-5.4%
Hyundai Sonata$1,3021.4%
Kia Optima$1,3283.3%
Nissan Altima$1,3202.7%
Nissan Rogue$1,2900.5%
Toyota Camry$1,3081.8%
Toyota Corolla$1,280-0.3%
Toyota Prius$1,194-7.5%
Toyota RAV4$1,210-6.1%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles

Where you live in Texas makes a big difference in auto insurance prices. Rural areas may have rates around $1,000 a year, while McAllen and Brownsville may have prices as high as $1,700. Even different areas within a few miles of each other in the same city can have a wide range of rates.

These price discrepancies emphasize the significance of getting rates for your specific Texas zip code.

View Chart as Image

Texas insurance rates by city

With so much variability in prices, the only way to know your exact price is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, and quoted rates can be significantly different between companies.

Texas Auto Insurance Articles

Car Insurance Articles for Texas Cities

Read about how to save money on auto insurance in some of the larger cities in Texas below.

Houston

San Antonio

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Rates by Driver Age

Texas Insurance Rates by Driver Age
Driver AgePremium
16$4,726
20$2,966
30$1,344
40$1,284
50$1,172
60$1,150

Full coverage, $500 deductibles

Rates by Deductible

Texas Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,642
$250$1,476
$500$1,284
$1,000$1,102

Full coverage, driver age 40

Rates by Liability Limit

Texas Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,284
50/100$1,350
100/300$1,433
250/500$1,649
100 CSL$1,384
300 CSL$1,566
500 CSL$1,699

Full coverage, driver age 40

Rates for High Risk Drivers

Texas Car Insurance Rates for High Risk Drivers
AgePremium
16$6,752
20$4,712
30$2,842
40$2,774
50$2,646
60$2,622

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $178

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$68
Multi-vehicle$66
Homeowner$18
5-yr Accident Free$96
5-yr Claim Free$83
Paid in Full/EFT$60
Advance Quote$64
Online Quote$91
Total Discounts$546
Rate after discounts $738

Discounts are estimated and may not be available from every company or in every state.

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