Find Cheaper Texas Car Insurance Rates in 2024

Enter your Texas zip code below to view companies that have cheap auto insurance rates.

Average auto insurance rates in Texas for 2024 are $1,694 annually for full coverage. Comprehensive, collision insurance, and liability cost around $376, $688, and $438, respectively. McAllen, Brownsville, and Dallas tend to have higher average rates, and the two companies who insure the most vehicles in Texas are State Farm and Allstate.

Average rate for full coverage: $1,694

Price estimates for individual coverage:

Comprehensive $376
Collision $688
Liability $438

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Car Insurance in Texas

Using a 40-year-old driver as an example, prices range from as cheap as $518 for only liability insurance to a high rate of $3,658 for a policy for a high-risk driver.

Liability Only $518
Full Coverage $1,694
High Risk $3,658

These differences show why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of depending on rates averaged for all U.S. states.

Use the form below to get accurate rates for your location.

Enter your Texas zip code below to view companies that have cheap auto insurance rates.

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Texas car insurance rate comparison chart
Column chart showing Texas car insurance prices range from $974 to $6,230 for full coverage

Chart shows Texas auto insurance prices for various situations. The cheapest discount price is $974. Drivers choosing higher $1,000 deductibles will pay about $1,452. The average price for a driver age 40 with no violations using $500 deductibles is $1,694. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $2,164. If you have multiple accidents and violations you could be charged as much as $3,658. The policy rate for full coverage insurance for a 16-year-old driver is $6,230.

Auto insurance rates in Texas can also vary considerably based on the type of vehicle you drive, your driver profile, and deductibles and policy limits.

If you like to drive fast or you caused a few accidents, you could be paying at least $2,000 to $2,700 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $720 annually, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $394 extra every year. View Rates by Deductible or Liability Limit

The company you choose definitely has an impact on price. Each company sets their own rates, and prices can range greatly based on indivdual risk characteristics.

In Texas, auto insurance prices range from $1,031 with Travelers to as much as $3,097 with Liberty Mutual. Other companies like USAA, Texas Farm Bureau, and Germania Mutual fall in the middle. Those are not necessarily the exact rates you would pay, as the vehicle you are insuring, your driving record, and your location in Texas all factor in.

Texas Auto Insurance Companies by Market Share and Average Rate
Rank Company Market Share Average Rate
1 State Farm 18.09% $1,480
2 Allstate 11.65% $1,684
3 Geico 10.11% $2,114
4 Farmers Insurance 9.82% N/A
5 Progressive 8.56% $1,681
6 USAA 7.65% $1,106
7 Home State 4.03% $2,113
8 Texas Farm Bureau 3.61% $1,223
9 Liberty Mutual 2.92% $3,097
10 Nationwide 2.89% $1,569
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,600 per year on average for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $6,200 a year. View Rates by Age

Your choice of vehicle has a significant impact on the price you pay for auto insurance in Texas. Buying a less expensive and safer model will save money on insurance because of cheaper repair costs and lower severity of accident injuries.

The next table shows car insurance premium estimates for some of the more popular vehicles insured in Texas.

Texas Auto Insurance Rates for Popular Vehicles
Make and Model Premium % to Avg
Chevrolet Silverado $1,788 5.3%
Dodge Ram $1,836 7.7%
Ford Escape $1,412 -20%
Ford Focus $1,640 -3.3%
Ford Fusion $1,796 5.7%
Ford F-150 $1,594 -6.3%
GMC Acadia $1,560 -8.6%
GMC Sierra $1,760 3.8%
Honda Accord $1,580 -7.2%
Honda Civic $1,850 8.4%
Honda CR-V $1,374 -23.3%
Honda Pilot $1,610 -5.2%
Hyundai Sonata $1,716 1.3%
Kia Optima $1,750 3.2%
Nissan Altima $1,744 2.9%
Nissan Rogue $1,700 0.4%
Toyota Camry $1,726 1.9%
Toyota Corolla $1,688 -0.4%
Toyota Prius $1,574 -7.6%
Toyota RAV4 $1,596 -6.1%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Where you live in Texas makes a big difference in auto insurance prices. Rural areas may have rates around $1,300 a year, while McAllen and Brownsville may have prices as high as $2,300. Even different areas within a few miles of each other in the same city can have a wide range of rates.

These price discrepancies emphasize the significance of getting rates for your specific Texas zip code.

View Chart as Image

Texas insurance rates by city

With so much variability in prices, the only way to know your exact price is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, and quoted rates can be significantly different between companies.

Texas Auto Insurance Articles

Rates by Driver Age

Texas Insurance Rates by Driver Age
Driver Age Premium
16 $6,230
20 $3,910
30 $1,774
40 $1,694
50 $1,544
60 $1,518

Full coverage, $500 deductibles

Rates by Deductible

Texas Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,164
$250 $1,948
$500 $1,694
$1,000 $1,452

Full coverage, driver age 40

Rates by Liability Limit

Texas Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,694
50/100 $1,782
100/300 $1,891
250/500 $2,176
100 CSL $1,825
300 CSL $2,066
500 CSL $2,242

Full coverage, driver age 40

Rates for High Risk Drivers

Texas Car Insurance Rates for High Risk Drivers
Age Premium
16 $8,898
20 $6,208
30 $3,746
40 $3,658
50 $3,488
60 $3,454

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $235

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $90
Multi-vehicle $87
Homeowner $24
5-yr Accident Free $127
5-yr Claim Free $109
Paid in Full/EFT $79
Advance Quote $84
Online Quote $120
Total Discounts $720
Rate after discounts $974

Discounts are estimated and may not be available from every company or in every state.

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