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Average cost of car insurance in Texas for 2025

Updated Sep 10, 2025
In Texas, full coverage car insurance costs an average of $2,600 per year, while minimum coverage averages $746.
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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Key takeaways

  • Drivers in the Lone Star State pay $2,600 annually for full coverage car insurance and $746 per year for minimum coverage.

  • Full coverage auto insurance in Texas costs 3 percent less than the average cost of car insurance nationwide.

  • In Texas, 18-year-old drivers on their own insurance policy pay $7,084 per year for full coverage, higher than drivers in all other age groups.

  • Drivers with one DUI pay 63 percent more than Texas drivers who are incident-free.

Texas car insurance rates by city

Average insurance rates vary depending on the risk (how likely you are to file a claim) associated with where you live. Beyond state-specific criteria like weather or minimum coverage requirements, insurance rates vary by city based on other factors such as traffic density and theft rates.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average
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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in Texas

Texas car insurance rates vary by age and gender, with younger male drivers typically paying the most. As new drivers gain driving experience, rates go down, and male and female rights align.

Age 16*
Avg. monthly full coverage premium in TX
$438
Avg. annual full coverage premium in TX
$5,254
Age 18
Avg. monthly full coverage premium in TX
$615
Avg. annual full coverage premium in TX
$7,381
Age 20
Avg. monthly full coverage premium in TX
$495
Avg. annual full coverage premium in TX
$5,946
Age 25
Avg. monthly full coverage premium in TX
$295
Avg. annual full coverage premium in TX
$3,541
Age 30
Avg. monthly full coverage premium in TX
$240
Avg. annual full coverage premium in TX
$2,875
Age 40
Avg. monthly full coverage premium in TX
$220
Avg. annual full coverage premium in TX
$2,635
Age 50
Avg. monthly full coverage premium in TX
$206
Avg. annual full coverage premium in TX
$2,469
Age 60
Avg. monthly full coverage premium in TX
$198
Avg. annual full coverage premium in TX
$2,375
Age 70
Avg. monthly full coverage premium in TX
$216
Avg. annual full coverage premium in TX
$2,588
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Avg. monthly full coverage premium in TX
$405
Avg. annual full coverage premium in TX
$4,854
Age 18
Avg. monthly full coverage premium in TX
$566
Avg. annual full coverage premium in TX
$6,787
Age 20
Avg. monthly full coverage premium in TX
$437
Avg. annual full coverage premium in TX
$5,245
Age 25
Avg. monthly full coverage premium in TX
$274
Avg. annual full coverage premium in TX
$3,284
Age 30
Avg. monthly full coverage premium in TX
$229
Avg. annual full coverage premium in TX
$2,742
Age 40
Avg. monthly full coverage premium in TX
$214
Avg. annual full coverage premium in TX
$2,564
Age 50
Avg. monthly full coverage premium in TX
$203
Avg. annual full coverage premium in TX
$2,433
Age 60
Avg. monthly full coverage premium in TX
$193
Avg. annual full coverage premium in TX
$2,312
Age 70
Avg. monthly full coverage premium in TX
$207
Avg. annual full coverage premium in TX
$2,479
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Cost considerations for young drivers in Texas

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Age 16*
Avg. annual premium for drivers in TX
$5,054
Age 17
Avg. annual premium for drivers in TX
$4,669
Age 18
Avg. annual premium for drivers in TX
$4,329
Age 19
Avg. annual premium for drivers in TX
$3,980
Age 20
Avg. annual premium for drivers in TX
$3,783
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in TX
$7,084
Age 19
Avg. annual premium for drivers in TX
$6,121
Age 20
Avg. annual premium for drivers in TX
$5,595
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 64 percent more
Age 19 54 percent more
Age 20 48 percent more
*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Texas?

Your driving record is one of the most significant rating factors for auto insurance. Drivers with accidents or moving violations on their driving record typically pay much higher rates than drivers who remain incident-free. Along with higher rates, drivers with DUIs may also need an SR-22 form (additional proof of financial responsibility) completed by their agent, which isn’t available with every carrier.

Car insurance rates in Texas by credit score

Insurers in the state of Texas use information contained in your credit report to calculate a credit-based insurance score.  Drivers with poor credit may find a lower insurance rate by comparison shopping their policy with a non-standard carrier over a traditional insurance company.

Avg. annual premium* in Texas
$6,397
Percentage difference from Texas avg. annual premium*
146%
Average
Avg. annual premium* in Texas
$3,066
Percentage difference from Texas avg. annual premium*
18%
Avg. annual premium* in Texas
$2,599
Percentage difference from Texas avg. annual premium*
0%
Excellent
Avg. annual premium* in Texas
$2,217
Percentage difference from Texas avg. annual premium*
-15%
*Rates reflect full coverage policies.

Texas car insurance rates by vehicle type

From frame size to engine size to safety features, the car you choose to drive can impact your insurance costs. Auto insurance for sports cars or luxury autos can cost more to insure due to the potential cost of higher-priced claim payouts from accidents and thefts. Car insurance costs are important for drivers on the market for a new car to consider before making their purchase.

Avg. monthly premium* in TX
$217
Avg. monthly premium* in TX
$212
Avg. monthly premium* in TX
$284
Avg. monthly premium* in TX
$264
Avg. monthly premium* in TX
$223
Avg. monthly premium* in TX
$196
Avg. monthly premium* in TX
$194
Avg. monthly premium* in TX
$182
Avg. monthly premium* in TX
$265
Avg. monthly premium* in TX
$195
Avg. monthly premium* in TX
$237
Avg. monthly premium* in TX
$181
Avg. monthly premium* in TX
$226
Avg. monthly premium* in TX
$195
Avg. monthly premium* in TX
$222
Avg. monthly premium* in TX
$205
Avg. monthly premium* in TX
$196
Avg. monthly premium* in TX
$219
Avg. monthly premium* in TX
$196
Avg. monthly premium* in TX
$279
*Rates reflect full coverage policies.

Estimate your car insurance cost in Texas

With car insurance rates increasing so rapidly over the past few years, it can be hard to know if you are really paying the best price possible. To help you feel confident in your current rate, Bankrate created this handy insurance calculator. After entering some basic information, you will see a rough estimate of your insurance premium. This estimate will vary from a personalized quote, but it can give you a good idea of where your rate should be.

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Calculate your monthly car insurance payment

Use our free insurance calculator to estimate what you should be paying each month.

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Frequently asked questions

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Read our full methodology

At Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our

78

years of industry experience

10

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied: 

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Written by
Shannon Martin
Bankrate Insurance Expert | Writer, Insurance
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Edited by Editor II, Insurance