Get the Cheapest Car Insurance Quotes in Texas

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Cheap Car Insurance

Average Cost for Car Insurance in Texas

  • Texas car insurance on average costs around $50 a month or $554 yearly for minimum liability coverage. Full coverage policies cost around $163 a month or $1,988 yearly.

CheapCarInsurance pulls cost data from recent real time auto policy quotes across the state. Data is based on a driver profile of a single person with a clean driving record that is middle aged and drives a modern vehicle. 

Sioux, South Dakota roads

The Lone Star state is synonymous with the American Wild West. The Alamo, Hell’s Acre, the Stockyards, the Austin TX capitol and a host of other uniquely “cowboy” treasures are packed in America’s second largest state. Drivers on one border could drive all day and still be in Texas when the sun goes down. Cheap Car Insurance helps Texans find the cheapest car insurance in their city without skimping on any coverage. You might be surprised at how cheap you can find auto insurance in your area by comparing quotes.

Texas average auto insurance premiums have been rising during the last 20 years as population grows. NAIC.org placed the state’s average auto insurance premiums compared to percentage of income above the national average, but you can still find affordable auto premiums.

Cheapest Car Insurance Providers in TX

The cheapest car insurance providers in Texas are USAA (military only), AAA, and Progressive for the a middle-aged, single person, who drives a used 4 door vehicle and has a clean driving record.

See the average costs below for state minimum liability and a full coverage policy by insurance provider for a used vehicle below:

Insurance ProviderState MinimumFull Coverage
USAA$568$1,910
AAA$763$2,284
Progressive$782$2,472
GEICO$908$2,424
State Farm$942$2,610

Cheapest Car Insurance for New Vehicles

Finding the cheapest car insurance for your new vehicle is important as newer vehicles often cost more to insure but also reap the benefits of newer security features that help lower costs overall. The average cost to insure a new vehicle with a full coverage policy is $2,656.

USAA and GEICO offer the cheapest rates between $2,280 and $2,588 a year.

Insurance Provider:State Minimum:Full Coverage:
USAA:$530$2,280
GEICO:$838$2,588
AAA:$763$2,672
Progressive:$720$2,766
State Farm:$838$2,974

Average Car Insurance Costs in Texas by County

The average cost of car insurance in Texas is $2,056 per year for full coverage. If you need state minimum coverage you can expect to pay around $582 per year or around $49 per month. The amount you pay will depend on a few factors such as your age, the city you live in, previous driving record and other applicable factors. Here is the average cost for car insurance based on TX counties below to give you an idea on prices for coverage by vehicle type:

Auto Insurance Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
Anderson$1,283$1,090$1,212$1,291$1,363
Andrews$1,069$915$1,015$1,072$1,130
Angelina$1,308$1,113$1,245$1,306$1,379
Aransas$1,099$945$1,046$1,099$1,154
Archer$1,154$984$1,096$1,159$1,223
Armstrong$1,124$956$1,059$1,138$1,201
Atascosa$1,129$966$1,069$1,138$1,199
Austin$1,185$1,012$1,123$1,195$1,260
Bailey$1,124$956$1,059$1,138$1,201
Bandera$1,202$1,026$1,133$1,216$1,281
Bastrop$1,291$1,102$1,225$1,296$1,366
Baylor$1,134$963$1,065$1,149$1,214
Bee$1,108$948$1,047$1,118$1,177
Bell$1,158$990$1,104$1,159$1,222
Bexar$1,331$1,148$1,274$1,320$1,385

Does Age Affect Your Insurance Rates?

Age is a significant factor that affects auto insurance rates in TX. Generally, younger and older drivers tend to pay higher premiums compared to drivers in their middle age. Here’s how age can influence car insurance costs:

  1. Young drivers (under 25): Statistically, young and inexperienced drivers are more likely to be involved in accidents. They are also prone to riskier driving behaviors, such as speeding or distracted driving. As a result, insurance companies consider them higher risk, and their premiums are typically more expensive.
  2. Middle-aged drivers (25-65): This age group is generally considered to be more experienced and responsible behind the wheel. They are statistically involved in fewer accidents and tend to have lower insurance premiums compared to younger and older drivers.
  3. Senior drivers (65 and older): As drivers get older, their risk profile may change due to factors such as declining vision, slower reflexes, and potential health issues. Insurance companies may increase premiums for older drivers to reflect these factors and the increased likelihood of accidents.

You can see in the chart below that the average premiums are highest for teen drivers and lessens as you age with a big decrease in price at age 29.

Driver’s Age:State Minimum CoverageFull Coverage
17$2,686$7,193
18$2,346$6,376
20$1,664$4,752
22$1,248$3,659
24$1,068$3,172
29$865$2,654
34$833$2,530
39$829$2,496
44$825$2,460
49$813$2,425
54$791$2,329
64$807$2,270
74$982$2,622
76$1,049$2,761

How Much Car Insurance Do I Need in Texas?

Failure to maintain insurance results in:

New Driver License Requirements

DUI Laws & Violation Costs

How Much Does Insurance Cost with a DUI Violation?

If you have a DUI violation on your record you will see that your average cost for car insurance raises significantly and will cost around $4,867 a year for full coverage and $1,781 for state minimum coverage. Progressive, USAA and State Farm offer the cheapest rates for drivers with a DUI on their driving record as seen below:

Insurance ProviderState Minimum:Full Coverage:
Progressive$1,299$4,613
USAA$1,404$4,264
State Farm$1,822$4,805
AAA$1,985$5,589
GEICO$2,018$5,066
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