Texas Car Insurance Calculator
Calculate your auto insurance cost in Texas. Compare with state averages and find savings.
$1,945
Avg Annual Premium
30/60/25
Min Liability
Monthly Avg
$162
Full Coverage
$2,523
Min Coverage
$656
Uninsured Rate
14.1%
Texas Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Texas
Large stateUrban trafficHail and stormsHigh uninsured rate
Major Metro Areas in Texas
HoustonSan AntonioDallasAustinFort WorthEl Paso
FAQ
Texas Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Texas
The average annual car insurance premium in Texas is $1,945, or about $162 per month. Full coverage averages $2,523 annually, while minimum coverage averages $656. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Texas requires minimum liability coverage of 30/60/25 ($30,000/$60,000 for bodily injury and $25,000 for property damage).
Key factors affecting Texas car insurance rates include: Large state, Urban traffic, Hail and storms, High uninsured rate. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 14.1% of drivers in Texas are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Texas car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Texas include: State Farm, GEICO, Progressive, Allstate, USAA. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
TX Insurance Costs
Average premiums in Texas:
- Annual Average$1,945
- Monthly Average$162
- Full Coverage$2,523
- Minimum Coverage$656
TX Requirements
Minimum coverage required:
- Liability30/60/25
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate14.1%
Top TX Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •USAA