Average Cost of Car Insurance in Texas for 2025

Everything is bigger in Texas, including car insurance premiums. The monthly cost of auto coverage in Texas is $226, compared to the national average of $193.

You could pay significantly more based on your age, credit history, and driving record. Learn more about the average cost of car insurance in Texas and what you can do to save money on your policy.

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Key takeaways

The average cost of full coverage car insurance in Texas is $226 per month.
Drivers pay an average of $117 per month for state-minimum coverage.
Teen drivers average $432 per month for full coverage car insurance.

How much does car insurance cost in Texas?

For full coverage insurance that includes collision, comprehensive, and liability protection, the average monthly cost is $226. For those looking to save money, state-minimum coverage is significantly cheaper; the average monthly premium is just $117.

Avg. cost for full coverage	Avg. cost for liability coverage	Cheapest insurance provider
$226/month	$117/month	Farmers

Avg. full coverage cost for teen drivers	Avg. cost for seniors (60s)	Avg. full coverage cost for drivers with an accident on their record
$432/month	$179/month	$316/month

Average cost of car insurance in Texas by provider

There are several insurance providers in Texas. Some, such as Allstate or State Farm, are large companies that offer insurance products nationwide. Others, such as Mercury, are smaller regional companies that operate in select states.

We found that Farmers has the lowest rates for full coverage insurance, with an average premium of just $821.

Provider	Full coverage	Minimum liability coverage
Allstate	$102/month	$55/month
Farmers	$821/year	$420/year
GEICO	$79/month	$43/month
Mercury	$160/month	$89/month
State Farm	$489/month	$263/month
Nationwide	$164/month	$88/month
USAA	$130/month	$70/month

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How does credit score affect car insurance rates in Texas?

In Texas, insurers can use your credit history and score to determine your rates. However, they cannot deny you coverage solely based on your credit.

Because insurers look at your credit score, excellent credit can help you save money on car insurance. The average monthly premium for someone with excellent credit is $229. By contrast, the average premium for those with poor credit is $282.

Credit health	Avg. monthly premium
Poor (550-649)	$282/month
Average (650-699)	$220/month
Good (700-749)	$214/month
Excellent (750+)	$229/month

Average car insurance rates for high-risk drivers in Texas

Unfortunately, Texas has a high incidence rate of drivers getting behind the wheel after drinking. In fact, the U.S. DUI Report ranked Texas as the fifth worst state in the country for drunk driving.

But driving under the influence (DUI) will cost you.

Violation	Avg. monthly premium before violation*	Avg. monthly premium after violation
At-fault accident	$226/month	$316/month
DUI	$226/month	$361/month
Speeding ticket	$226/month	$305/month

*Assumes clean driving record with good credit

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How does age affect car insurance rates in Texas?

While most states have higher average premiums for those in their 20s or 30s, Texas is different; a 25 or 30-year-old will pay less than someone who is 40 or even 60. However, teen drivers should expect to pay much higher rates. The average premium for teens was around three times the average rate for older drivers.

Age	Avg. monthly premium
17	$432/month
25	$289/month
30	$224/month
40	$206/month
60	$179/month

Texas car insurance rates by city

Where you live (and park your car) affects your premiums. Living in cities like Austin or Houston will cause you to pay a higher premium than if you lived in rural or suburban areas.

At $299 per month, Houston has the highest average premium in the state. That figure is unsurprising, considering that according to NeighborhoodScout, Houston has one of the highest crime rates in the country.

City	Avg. monthly full-coverage premium
Austin	$223/month
Dallas	$257/month
Fort Worth	$224/month
Houston	$299/month
San Antonio	$225/month

TX's minimum car insurance requirements

Texas requires all drivers to prove they can pay for any accidents they cause. For the majority of drivers, that law means they need liability insurance. Texas has the following minimum coverage requirements:

$30,000 liability coverage per person ($60,000 per accident)
$25,000 property damage coverage

How to save money on car insurance in Texas

You can save money on your car insurance premiums in Texas by using the following tips:

Raise the deductible: Your deductible is how much you have to pay after an accident before your insurance will cover damages or injuries. You can lower your premiums by increasing the amount of deductible.
Shop around: Rates vary by company, so contact multiple car insurers and request quotes. You may find that some insurers are significantly cheaper than others for the same amount of coverage. We identified some of the best car insurance companies to help you get started.
Ask about discounts: Reach out to your insurance agent and ask about available discounts. You may qualify for discounts if you pay your premiums annually, if you have a homeowners or renters policy, or if you complete a safe driving course.
Boost your credit: In Texas, excellent credit can help you save money. Improve your score by making payments on your recurring obligations on time, limiting new credit inquiries, and reducing the amount of debt you carry.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.