Average car insurance cost in Texas
Texas is one of the most expensive places in America to insure a car, ranking #42 of 51. The average driver here pays about 19% more than the national average — an extra $468 a year for the same coverage a driver in a cheaper state gets for less.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Texas compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Texas next to nearby states:
| State | Full coverage /mo | Difference vs TX |
|---|---|---|
| Texas | $247 | — |
| Oklahoma | $214 | −$33/mo |
| Louisiana | $327 | +$80/mo |
| New Mexico | $212 | −$35/mo |
| Arkansas | $225 | −$22/mo |
Texas car insurance FAQ
How much is car insurance in Texas?
Full-coverage car insurance in Texas averages $247 per month ($2,964 per year). A state-minimum liability policy averages $87 per month ($1,044 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Texas more expensive than average?
Yes. Texas's full-coverage average of $247/month is about 19% above the U.S. average of $208/month, ranking #42 of 51 (1 = cheapest).
Is Texas a no-fault state?
No. Texas is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Texas?
Minimum liability in Texas averages $87/month versus $247/month for full coverage — a gap of $160/month, or $1,920/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.