Publish Date: 22-02-2026
Auto Insurance
Last Updated: 24-02-2026
How Much Is Car Insurance in Texas?
Drivers in Texas pay about $2,672 per year or roughly $223 per month for full coverage. For minimum liability insurance, the average cost is around $929 per year, or about $77 per month.
However, your actual car insurance cost depends on several personal factors, such as your driving history, ZIP code, vehicle type, and even your credit score. Rates also vary between insurance companies based on how they calculate risk and set insurance premiums.
According to multiple 2026 studies from Bankrate, Experian, ValuePenguin, and The Zebra, most Texans pay between $2,340 to $2,964 per year for full coverage and $600 to $1,567 for minimum coverage. These differences occur because every source uses its own methodology, sample profiles, and data weighting.
That’s why you might see slightly different auto insurance rates across websites. But overall, these numbers offer a clear snapshot of how much car insurance in Texas typically costs in 2026.
How Much Do Texans Pay for Minimum Required Car Insurance?
In Texas, liability insurance is mandatory. Every driver must carry it to drive legally. This type of auto insurance covers property damage and bodily injury if you cause an accident.
Based on our research, drivers across the Lone Star State pay about $77 per month or $929 per year for minimum liability car insurance in 2026. However, rates differ slightly depending on the data source and methodology.
For example, Bankrate reports that Texans spend around $786 per year ($66 per month) for minimum coverage. Meanwhile, Experian places the average at $1,567 annually ($131 per month), and NerdWallet lists it at $1,009 per year ($84 per month).
Overall, these are only statewide averages. Each driver’s car insurance cost depends on multiple factors, including ZIP code, age, driving record, claim history, and chosen coverage limits. In particular, the liability insurance limits you select have a major impact on your insurance premiums.
The minimum car insurance requirement in Texas includes:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident (total for all injured people)
- $25,000 for property damage liability per accident
If you select higher coverage limits, which many drivers do due to rising medical costs and expensive vehicle repairs, your auto insurance premium will likely exceed the statewide average.
Average Full Coverage Car Insurance Cost in Texas (2026)
The average full coverage car insurance rate in Texas is about $2,672 per year, or roughly $223 per month. However, this figure changes depending on which insurance companies and data sources you compare. Each uses different methodology, profiles, and rating factors.
For instance, Bankrate reports that Texans pay around $2,751 per year ($229 per month) for full coverage, while Experian lists it slightly higher at $2,822 per year ($235 per month). According to ValuePenguin, the statewide average is about $2,964 annually ($247 monthly).
Full coverage car insurance combines both collision and comprehensive protection under one insurance policy. It pays for vehicle damage caused by accidents, theft, vandalism, fires, animal collisions, and even certain weather-related losses. Because it protects your own car as well as others, the car insurance premiums are naturally higher than for liability insurance alone.
Just like with minimum coverage, your personal factors, such as age, driving record, ZIP code, credit score, and the deductible you choose, directly affect your auto insurance costs. As we move forward, we’ll explore how each of these factors shapes your overall car insurance rate in Texas.
Affordable full coverage auto insurance is offered by many reputable insurers in Texas, including L.A. Insurance. Contact us today or get your free car insurance quote online.
Car Insurance Rate Trends in Texas (2023 to 2026)
From 2023 to 2026, car insurance rates in Texas have steadily climbed. In 2023, drivers saw some of the biggest increases in recent history. For example, car insurance premiums jumped sharply 23%, in part due to inflation and costly vehicle repairs.
Then in 2024, rates continued rising. Data shows a roughly 15% increase for full coverage compared with the prior year. Many insurers raised insurance premiums as the cost of claims increased after more frequent accidents and weather losses.
In 2025, however, the pace of rate increases slowed. According to industry reports, average car insurance costs either grew only slightly or even dipped in some cases. One forecast predicts only a small rise in 2026, around 0.3%.
In another cost study, Experian [Infographic] reported that the average full coverage premium was about $2,140 per year in 2023, while minimum liability insurance averaged $1,377 annually. By 2025, those averages rose to $2,826 and $1,566, highlighting how sharply auto insurance costs increased in just two years.
Several factors are driving these increases. Inflation has pushed up vehicle repair and replacement costs. At the same time, Texas has seen more severe weather-related accidents, auto theft, and property damage claims. Houston and other coastal cities remain at higher risk for storms and flooding, leading insurers to file rate increases.
Average Car Insurance Rates in Texas by Cities (2026)
Where you live can significantly impact your auto insurance rate in Texas. That’s because insurers consider local risk factors like traffic, theft, and accident history when setting insurance premiums. Consequently, some Texas cities cost more to insure than others. Below is a comparison of sample full coverage costs in Texas by city:
City | Avg. Monthly Full Coverage | Avg. Annual Full Coverage | Avg. Savings vs. State Avg. |
Detroit | $214 | $2,569 | -7% |
Henderson | $223 | $2,680 | -3% |
Mount Enterprise | $220 | $2,636 | -4% |
Ore City | $224 | $2,690 | -2% |
Tatum | $229 | $2,751 | -0% |
Tyler | $217 | $2,603 | -6% |
Murchison | $215 | $2,579 | -6% |
Palestine | $215 | $2,575 | -7% |
Buffalo | $213 | $2,559 | -7% |
Donie | $201 | $2,406 | -13% |
Yoakum | $209 | $2,504 | -9% |
Devine | $220 | $2,640 | -4% |
Dilley | $218 | $2,613 | -5% |
Hunt | $205 | $2,465 | -11% |
Leming | $215 | $2,575 | -7% |
Source: Bankrate | As of February 2026
Please note that in this table, the statewide average full coverage premium is assumed at about $2,751 per year.
As per this data, the top 3 most expensive cities for full coverage car insurance in Texas are:
- Tatum ($2,751)
- Ore City ($2,690)
- Henderson ($2,680)
And the top 3 cheapest cities are:
- Donie ($2,406)
- Hunt ($2,465)
- Yoakum ($2,504)
Average Texas Car Insurance Rate by Driver Age and Gender
Both your age and gender can greatly affect the premium you pay for auto insurance.
Young drivers pay the highest auto insurance rates in the Lone Star State. According to the National Highway Traffic Administration (NHTSA), young drivers are more likely to be involved in fatal crashes than adult drivers in Texas. Lack of experience, speeding, impaired and distracted driving (using social media while driving, chatting, and talking) are some of the most common causes of crashes among teen drivers.
Besides, young male drivers are more prone to accidents than young female drivers, which is why they pay more for car insurance in Texas. According to the CDC, in 2020, male drivers ages 16–19 had a motor vehicle crash death rate three times higher than females in the same age group.
The following table shows how average annual auto insurance premiums change by age and gender in Texas.
Age Group | Male Avg. Annual Premium in TX | Female Avg. Annual Premium in TX |
Age 16 | $5,458 | $5,079 |
Age 18 | $7,649 | $7,001 |
Age 20 | $6,145 | $5,491 |
Age 25 | $3,739 | $3,489 |
Age 30 | $3,048 | $2,905 |
Age 40 | $2,794 | $2,709 |
Age 50 | $2,617 | $2,568 |
Age 60 | $2,511 | $2,449 |
Age 70 | $2,733 | $2,622 |
Source: Bankrate | As of February 2026
How Vehicle Make and Model Affect Car Insurance Cost in Texas
The make and model of your vehicle plays an important role in how much you pay for car insurance in Texas. Insurers look at many insurance rate factors tied to your car, such as how much it costs to repair, how often it’s stolen, and its safety ratings. Because of this, expensive or high-performance cars usually cost more to insure than safer, cheaper models.
For example, vehicles with expensive parts or complex technology typically require pricier repairs after a collision or other damage. Meanwhile, cars that have high theft rates or poor safety scores can also increase your insurance premiums. Conversely, models with strong crash test results and lower repair costs usually have lower rates.
The following table shows sample full-coverage auto insurance cost differences in Texas by popular vehicle types.
Vehicle Model Type | Avg. Annual Full Coverage Rate | How It Compares to Average |
Small Sedan (e.g., Honda Civic) | $2,250 | –15% vs state average |
Compact SUV (e.g., Toyota RAV4) | $2,390 | –10% vs state average |
Pickup Truck (e.g., Ford F-150) | $2,600 | –3% vs state average |
Midsize SUV (e.g., Jeep Wrangler) | $2,370 | –11% vs state average |
Luxury Car (e.g., BMW 5 Series) | $3,900 | +40% vs state average |
Electric/High Tech (e.g., Tesla Model 3) | $3,870 | +40% vs state average |
Source: Insurify and Bankrate | As of February 2026
How Does Driving Record Affect Auto Insurance Cost in Texas
Your driving record has one of the biggest impacts on your car insurance cost in Texas. Insurers use your record to measure risk. So, the more accidents or moving violations you have, the higher your insurance premiums will be. A clean record, on the other hand, helps you qualify for better car insurance rates and safe-driver discounts.
According to Bankrate and ValuePenguin, even a single speeding ticket can raise your auto insurance costs by 15% to 25%. An at-fault accident might increase your rate by 40% or more. A DUI or reckless driving citation can double your premium, depending on the insurance company and policy type.
Here’s an overview of how different violations typically affect auto insurance premiums in Texas:
Driving Record | Avg. Annual Full Coverage Premium | Increase vs. Clean Record |
Clean Record | $2,672 | — |
One Speeding Ticket | $3,081 | +15% |
At-Fault Accident | $3,747 | +40% |
DUI / DWI | $5,260 | +97% |
Source: Bankrate, ValuePenguin, The Zebra
Recommended: How Does Driving History Affect Car Insurance Rates?
Average Car Insurance Costs in Texas Based on Credit Score
Your credit score is a key factor that many insurance companies use to set your car insurance cost in Texas. In most cases, drivers with higher credit scores pay lower insurance premiums. That’s because statistical data shows they file fewer claims and are seen as lower risk. However, Texas has specific rules about how credit history can be used, so insurers can’t rely on it as heavily as in some other states.
Generally, drivers with excellent credit pay significantly less than those with poor credit. According to industry data reviewed by ValuePenguin, Texans with strong credit often pay about 20% to 30% less in full coverage premiums than those with low scores. Meanwhile, those with fair or poor credit may see rates that are 15% to 40% higher than the statewide average.
Below is a general picture of how credit score tiers affect average full coverage rates in Texas:
Credit Score Tier | Avg. Full Coverage Premium/Year | Compared to State Avg. |
Excellent (750+) | $2,120 | –21% |
Good (700–749) | $2,450 | –8% |
Fair (650–699) | $2,920 | +9% |
Poor (<650) | $3,220 | +20% |
Source: ValuePenguin
Keep in mind, you can improve your rate over time by building better credit habits, avoiding lapses in coverage, and asking insurers how they use credit information. Also, always compare car insurance quotes because weighing your options can find you a better deal despite your score.
Average Texas Auto Insurance Costs by Marital Status
Your marital status can also affect how much you pay for car insurance in Texas. Generally, married drivers are seen by insurance companies as lower risk, meaning they file fewer claims and get into fewer accidents. Because of that, they often receive better insurance rates and qualify for extra discounts, especially when they bundle policies with their spouse.
According to Bankrate and ValuePenguin, single drivers in Texas pay slightly more for auto insurance, while widowed or married individuals pay less. The difference isn’t huge. But it can still make a noticeable impact on your annual insurance premiums.
Here’s a simple comparison showing how marital status may influence average full coverage rates in Texas:
Marital Status | Avg. Annual Premium | Difference vs. State Avg. |
Single | $2,730 | +2% |
Married | $2,590 | –3% |
Widowed | $2,610 | –2% |
Divorced | $2,710 | +1% |
Source: 2026 averages from Bankrate and ValuePenguin Texas auto insurance cost studies.
While your relationship status alone won’t drastically change your auto insurance costs, being married may give you access to multi-policy or multi-vehicle discounts. Regardless of marital status, comparing car insurance quotes from multiple providers is still the best way to secure affordable coverage.
Other Factors Influencing Car Insurance Rates in Texas
Apart from the factors we already discussed, a few other practical factors can move your car insurance rate in Texas noticeably.
First, annual mileage matters. Driving more miles raises your risk exposure, and therefore your insurance premiums. Conversely, low-mileage drivers often qualify for lower rates or per-mile car insurance programs.
Second, safety features and anti-theft devices reduce cost. If your vehicle has advanced crash-avoidance tech or an alarm, insurers may give you discounts. Similarly, cars with high theft rates cost more to insure.
Third, usage-based / telematics programs can cut your price. If you opt into a usage tracker and drive safely, you may see meaningful savings. However, poor driving recorded by the device can raise rates.
Fourth, multi-policy discounts and payment choices matter. Bundling home insurance or paying annually often lowers the price. Also, some carriers offer discounts for autopay or paperless billing.
Fifth, claims-handling history & insurer pricing affect long-term cost. Some companies raise rates more after weather or theft waves, and regional rate filings with the Texas Department of Insurance can change premiums statewide. For these reasons, comparing car insurance quotes regularly is important.
Why Is Texas Car Insurance Is So Expensive?
Texas drivers pay more for car insurance than many states, and there are justified reasons why. According to the Texas Office of Public Insurance Counsel and Insurify, the average premium has risen steadily due to weather, traffic, and repair costs.
- Severe weather and storm claims: Texas faces frequent hailstorms, flooding, and hurricanes, especially near coastal areas like Houston. Each major event leads to thousands of property damage and vehicle claims, pushing up insurance rates statewide.
- High accident frequency: Busy metro areas, such as Dallas and San Antonio, experience more accidents and traffic congestion. More crashes mean more personal injury and auto insurance payouts.
- Expensive repairs and medical costs: Inflation has made vehicle parts and medical care more costly. Insurers adjust insurance premiums to cover those rising expenses.
- Uninsured drivers: According to the Texas Department of Motor Vehicles, about 20% drivers in Texas are uninsured. They drive without liability insurance, which increases costs for everyone else through uninsured motorist coverage.
- Theft and fraud: Texas ranks among the top states for auto theft, with cases rising by nearly 10% from 2022 to 2023. Fraudulent insurance claims also strain the market.
Learn more in detail about why car insurance in Texas is so expensive!
How to Lower Auto Insurance Rate in Texas
The drivers of the Lone Star State can utilize some effective ways to reduce auto insurance rates, including:
- Compare car insurance quotes from multiple insurance companies every renewal cycle to find better rates.
- Bundle policies like home insurance and auto insurance for multi-policy discounts.
- Take a defensive driving course approved by the Texas Department of Licensing and Regulation to earn a safe-driver discount.
- Raise your auto insurance deductible if you can afford higher out-of-pocket costs during an accident.
- Enroll in usage-based or low-mileage programs if you drive less than 10,000 miles a year.
- Maintain a strong credit score, since better credit often leads to lower insurance premiums.
- Review and remove unnecessary coverage add-ons if your vehicle is older or fully paid off.
- Keep a clean driving record by avoiding moving violations and claims when possible.
- Ask about special discounts for good students, military members, or loyal customers.
An affordable insurance agency in Texas can help you find the right coverage at the lowest rate possible. Find an agent near you or contact us online.
The Takeaway
On average, Texans spend about $2,672 a year for full coverage and $929 for minimum coverage insurance. However, your actual car insurance cost depends on many factors, including your driving record, ZIP code, vehicle, and credit score. Rates also vary by insurance company and personal risk. By comparing car insurance quotes, keeping a clean record, and using available discounts, you can lower your auto insurance premiums and secure affordable protection that fits your needs in Texas.
How Much Does Auto Insurance Cost in Texas 2026 FAQs
How much is car insurance in Texas per month?
The average full coverage car insurance in Texas costs about $223 per month, while minimum liability averages $77 per month.
How much does a 25‑year‑old pay for car insurance in Texas?
A typical 25-year-old driver pays around $3,739 per year ($312/month) for males and $3,489 per year ($291/month) for females, depending on personal factors like driving record and coverage.
How much does an 18-year-old pay for car insurance in Texas?
Young drivers at age 18 face higher premiums: roughly $7,649 per year for males and $7,001 per year for females, due to higher accident risk and lack of driving experience.
References:
- Martin, S. (2025, November 1). Average cost of car insurance in Texas for 2026. Bankrate. https://www.bankrate.com/insurance/car/average-cost-of-car-insurance-in-texas/
- Axelton, K. (2026, January 13). Average cost of car insurance in Texas for 2026. https://www.experian.com/blogs/ask-experian/average-cost-car-insurance-texas/
- Norman, K. (2026, February 13). Average car insurance cost in 2026. NerdWallet. https://www.nerdwallet.com/insurance/auto/average-car-insurance-cost
- Bishop, L. (2026, January 26). Cheapest car insurance in Texas (Best rates in 2026). ValuePenguin. https://www.valuepenguin.com/car-insurance-rates-texas-study
- Friedlander, M., & Lee, K. (2026, January 15). How Much is Car Insurance in Texas? The Zebra. https://www.thezebra.com/auto-insurance/texas-car-insurance/tx-average-cost-of-auto-insurance/
- Gite, S. (2026, February 10). Texas car insurance calculator. Insure.com. https://www.insure.com/car-insurance/car-insurance-calculator-texas/
- Darden-King, Q., Dilmore, J., & Tobin, A. (2026, February 5). Cheapest car insurance in Texas for 2026. US News & World Report. https://www.usnews.com/insurance/auto/cheap-car-insurance-texas
- Powell, R., & Powell, R. (2024, October 24). Why are insurance rates increasing in Texas? Office of Public Insurance Counsel. https://www.opic.texas.gov/news/why-are-insurance-rates-increasing-in-texas/
- TexasSure - Insurance Verification | TxDMV.gov. (n.d.). https://www.txdmv.gov/motorists/register-your-vehicle/texassure-insurance-verification
Editorial Disclaimer
The information provided on this blog is for general informational purposes only and does not constitute professional insurance, legal, or financial advice. Coverage and rates are subject to individual eligibility, underwriting guidelines, and state availability. For specific questions regarding your policy or to get an accurate quote, please contact a licensed L.A. Insurance agent directly. We're an independent agency and not a direct insurance carrier. For more information on how we operate and handle your data, please see our Terms and Conditions and Privacy Policy.
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11 Reasons Why Car Insurance Is So Expensive in Texas?
Texas car insurance is expensive. In 2026, drivers pay around $2,672 per year for full coverage, nearly 27% higher than the national average. Even minimum coverage costs about $929 annually, which is roughly 12% more than what drivers pay nationwide.
How Much Is Car Insurance in Texas?
Drivers in Texas pay about $2,672 per year or roughly $223 per month for full coverage. For minimum liability insurance, the average cost is around $929 per year, or about $77 per month.
Do You Need Insurance to Register a Car in Texas?
Yes, you need car insurance to register a vehicle in Texas. The state requires every driver to show proof of minimum liability coverage before registration. This mandatory car insurance law ensures that you can pay for damages or injuries if you cause an accident.
Is Car Insurance Required in Texas?
Yes, car insurance is required in the Lone Star State. Every driver must show proof of financial responsibility to legally operate a vehicle. The easiest way to do that is by carrying liability insurance that meets the state’s minimum 30/60/25 coverage limits. Driving without insurance can lead to fines, license suspension, and SR-22 requirements.
What Is the Minimum Car Insurance Required in Texas?
If you’re driving in Texas, you must have car insurance that meets the state’s minimum legal requirements before you get behind the wheel. Texas law doesn’t just suggest coverage, it requires you to prove you can pay for others’ injuries and property damage if you cause an accident.
Can You Pay Car Insurance with a Credit Card?
Yes, you can pay your car insurance with a credit card, as most insurance providers in the U.S. accept credit card payments. If you’re considering using your credit card to pay your car insurance premiums, it is a viable option, as many insurers allow you to add your credit card as a payment method through their website.
