Car Insurance in Texas

Texas drivers spend an average of $1,429 a year on auto insurance according to the NAIC — ▲ +11% versus the national average of $1,282, ranking 13th most expensive of 51. The state requires 30/60/25 liability coverage and follows an at-fault system.

Landscape in Texas — Photo: National Park Service Digital Image Archives, Public domain

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Average car insurance cost in Texas

NAIC avg. expenditure

$1,429

per insured vehicle / year

Est. full coverage

$1,895

$158/mo · 30s, clean record

Est. state minimum

$690

$58/mo · 30/60/25

Uninsured drivers

14.5%

national 15.4%

Traffic deaths

1.35

per 100M miles · U.S. 1.19

Vehicle thefts

248

per 100k people · U.S. 197

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $798 for liability, $529 for collision and $400 for comprehensive ($1,727 combined, versus $1,439 nationally). That average expenditure is 16% higher than the NAIC's previous data year ($1,233). Comprehensive coverage costs notably more than the U.S. average here, which usually reflects weather (hail, wind, flooding) and theft losses.

Liability

$798
$737

Collision

$529
$464

Comprehensive

$400
$238

TexasU.S. averageSource: NAIC

Minimum car insurance requirements in Texas

Texas's minimum is written as 30/60/25: $30,000 per person / $60,000 per accident in bodily injury liability and $25,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $965 a year here, $275 more than the minimum.

Texas minimum car insurance (30/60/25)
Coverage	Required?	Minimum	What it pays for
Bodily injury liability	Yes	$30,000 per person / $60,000 per accident	Injuries you cause to other people
Property damage liability	Yes	$25,000	Damage you cause to other vehicles and property
Personal injury protection (PIP)	No	— All Texas auto policies include personal injury protection unless the policyholder rejects it in writing.	Your own medical bills and lost wages, regardless of fault
Uninsured motorist (UM)	No	— Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing.	Your injuries when the at-fault driver has no insurance
Underinsured motorist (UIM)	No	— Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered.	The gap when the at-fault driver’s limits are too low
Medical payments (MedPay)	No	— Medical payments coverage is optional.	Medical bills for you and your passengers

Compare with another state

Is Texas a no-fault state?

No — Texas is an at-fault (tort) state. Texas is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.

No-fault vs. at-fault explained

Uninsured drivers in Texas

The Insurance Research Council estimates 14.5% of Texas drivers are uninsured — 19th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 7 on the road. Uninsured motorist (UM) coverage isn't mandatory here (Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing), but it is still inexpensive protection against hit-and-run and uninsured drivers.

SR-22 requirements in Texas

Texas uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 2 years. An SR-22 must be maintained for two years from the conviction (or crash judgment) that requires it; a lapse re-suspends the license.

By our model, a driver in their 30s with a DUI would pay about $1,305 a year for minimum coverage in Texas, versus $690 with a clean record. What is SR-22 insurance?

Estimate your premium in Texas

Runs in your browser — nothing you enter is stored or sent to insurers.

State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

—

Per month

—

Car insurance by city in Texas

We cover 57 Texas cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Wichita Falls ($1,740) and the highest in Mesquite ($2,165).

Estimated cost by driver profile in Texas

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.7× what a driver in their 30s pays for the same full coverage in Texas.

Estimated annual premium by driver profile
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,900	$2,650	$5,205	$434
Young adult (22)	$1,105	$1,545	$3,030	$253
Adult in their 30s	$690	$965	$1,895	$158
Adult in their 50s	$635	$885	$1,740	$145
Senior (72)	$775	$1,080	$2,120	$177
30s, one at-fault accident	$1,005	$1,400	$2,745	$229
30s, DUI on record	$1,280	$1,785	$3,500	$292

By coverage level

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$690	$58	$565–$815
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$965	$80	$790–$1,140
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,895	$158	$1,550–$2,235

Cheapest and most expensive cars to insure in Texas

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,995 a year here.

Cheapest to insure
Model	Segment	Est. / year
Chevrolet Traverse	Midsize SUV	$1,215
GMC Acadia	Midsize SUV	$1,275
Subaru Crosstrek	Small SUV	$1,390
Subaru Forester	Small SUV	$1,395
Honda CR-V	Small SUV	$1,420
Honda Pilot	Midsize SUV	$1,420
Subaru Outback	Wagon	$1,425
MINI Cooper	Subcompact car	$1,430
Ford Bronco	Midsize SUV	$1,495
Acura RDX	Luxury SUV	$1,500

Most expensive to insure
Model	Segment	Est. / year
Lamborghini Urus	Luxury SUV	$5,210
BMW M4	Luxury sports car	$5,115
BMW M3	Luxury car	$5,065
BMW 7 Series	Luxury car	$4,580
Mercedes-Benz S-Class	Luxury car	$3,900
Mercedes-Benz G-Class	Luxury SUV	$3,375
Lucid Air	Luxury car	$3,335
Audi RS 7	Luxury car	$3,140
Mercedes-Benz SL-Class	Luxury sports car	$2,965
Porsche Taycan	Luxury sports car	$2,915

Cheap car insurance in Texas: how to lower your rate

Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $130 a year on a typical Texas full-coverage policy.
Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,475 to $965.
Drive less, pay less. Low-mileage and usage-based programs can save around $135 a year if you drive under 7,500 miles.
Protect your record. A single speeding ticket adds roughly $415 a year in our model; an at-fault accident adds much more.
Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles. The Texas Department of Insurance publishes a rate comparison tool.
Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: Texas Department of Insurance

The Texas Department of Insurance licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website: www.tdi.texas.gov
File a complaint: Consumer complaint page
Consumer helpline: 1-800-252-3439
Rate comparison: Official premium comparison

Homeowners insurance in Texas →

Texas vs. neighboring states

State	NAIC avg.	Minimums	System	Uninsured
Texas	$1,429	30/60/25	At-fault (tort)	14.5%
Arkansas	$1,051	25/50/25	At-fault (tort)	12.1%
Louisiana	$1,754	15/30/25	At-fault (tort)	11.7%
New Mexico	$1,082	25/50/10	At-fault (tort)	24.1%
Oklahoma	$1,084	25/50/25	At-fault (tort)	12.0%

Frequently asked questions

How much is car insurance in Texas?

NAIC data puts the average Texas auto insurance expenditure at $1,429 a year, 11% more than the national average of $1,282 (rank 13 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,895 a year ($158 a month); state-minimum liability is about $690.

What is the minimum car insurance required in Texas?

Texas requires at least 30/60/25 liability coverage: $30,000 per person / $60,000 per accident for bodily injury and $25,000 for property damage.

Is Texas a no-fault state?

No. Texas is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage.

How many drivers in Texas are uninsured?

The Insurance Research Council estimates that about 14.5% of Texas drivers are uninsured, ranking 19th in the nation (national estimate: 15.4%).

Does Texas require SR-22 insurance?

Yes, Texas uses the SR-22 certificate for drivers who must prove financial responsibility, typically for about 2 years. An SR-22 must be maintained for two years from the conviction (or crash judgment) that requires it; a lapse re-suspends the license.

Which Texas city has the cheapest car insurance?

Among the 57 cities we cover, Wichita Falls has the lowest full-coverage estimate at about $1,740 a year, while Mesquite is the highest at about $2,165. Differences come from population density, commute length and local weather risk.

How much does car insurance cost for a teen driver in Texas?

An 18-year-old on their own full-coverage policy would pay roughly $5,205 a year in Texas by our estimate, or about $1,900 for minimum coverage. Joining a parent's policy usually costs less.

How do I file a complaint against a car insurance company in Texas?

Contact the Texas Department of Insurance (consumer line 1-800-252-3439). It handles consumer complaints about claims, cancellations and rates at no cost.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page