The average driver in Texas pays about $1,727 a year for full coverage — about 20% more than the US average of $1,438. That ranks Texas #6 of 51 states (one of the most expensive). The car you drive then shifts it: a cheap-to-insure model can land near $829, a high-loss one well over $12,718.
Texas insurance cost by coverage
Average Texas premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Texas
Texas legally requires at least 30/60/25 in liability coverage — $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Texas
Estimated annual premium in Texas, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
- Export estimates to CSV / Excel
- Zero ads — clean, fast pages
- …and much more
Most expensive cars to insure in Texas
The priciest cars to insure in Texas — powerful, theft-prone and costly to repair.
Texas insurance cost by year
Texas premiums are up about +26% since 2019. Average Texas premium by year:
| Year | Texas avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Texas's largest cities
Rates vary within Texas by city and ZIP — dense metros like Houston run above the state average, while smaller towns run below. Estimated typical premium in Texas's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Houston | $1,900/yr | +10% urban |
| San Antonio | $1,848/yr | +7% urban |
| Dallas | $1,813/yr | +5% urban |
| Austin | $1,796/yr | +4% urban |
| Fort Worth | $1,762/yr | +2% urban |
| El Paso | $1,744/yr | ≈ state avg |
| Arlington | $1,727/yr | ≈ state avg |
| Corpus Christi | $1,727/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.