If you’re a driver in Texas, then it’s your responsibility to ensure you have the right documents to operate and own a car. Before going on the road, you should make sure you have a license, a registered car and an affordable auto insurance policy. InsuranceQuotes is based in Austin, TX and we are here to help you compare multiple Texas car insurance quotes for free. We help you save time and money by getting auto rates all in one place with one simple form.
How Much Does Car Insurance Cost in Texas on Average?
- The average cost of car insurance in Texas is $46 a month or $550 a year for minimum liability. Full coverage policies cost around $166 a month or $1,991 a year in the Lone Star State.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Texas – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who Has the Cheapest Car Insurance in Texas?
The cheapest car insurance providers in Texas as of 2024 are USAA, AAA, and Progressive for the average middle-aged, single person, who drives a used 4 door car with a clean driving record.
Here is a breakdown from our cost database for yearly state minimum coverage and full coverage by insurance provider for a used vehicle below:
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA | $568 | $1,910 |
| Texas Farm Bureau | $638 | $2,025 |
| AAA | $763 | $2,284 |
| Progressive | $782 | $2,472 |
| GEICO | $908 | $2,424 |
| State Farm | $942 | $2,610 |
| All State | $1,292 | $2,750 |
TX Car Insurance Costs for New Vehicles
The average cost for auto insurance for a newer 2022 – 2023 vehicle on average will cost $738 for state minimum coverage and $2,656 for a full coverage policy. Below you’ll find a breakdown of cheapest insurance providers for both coverage types:
| 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 Cost for Car Insurance in Texas by County
The best way to save money on car insurance in Texas is to know how much you should be paying. Here is the average cost Texas drivers pays for coverage by county and vehicle type:
*SEARCH FOR YOUR COUNTY*
| 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 |
How Does Age Affect Car Insurance Costs
Age is a significant factor that affects Texas car insurance costs. 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:
- 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.
- 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.
- 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.
Here is a comparison of the amounts you can expect to pay based on age in Texas – as you can see young drivers will pay much more on premiums until there is a significant drop in costs at age 29. Your auto policy continues to get cheaper until age 65 when it slowly starts increasing as you get older.
| Driver’s Age: | State Minimum Coverage | Full 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 |
Texas Auto Insurance Costs by City:
As you calculate the average costs of different car insurance policies in Texas you will find that they vary greatly by city based on rural or metropolitan based driving areas. Here you will find a list of popular Texas city pages such as Austin, Houston, San Antonio and Dallas with updated city insurance costs data broken down by county.
More Texas Cities – Car Insurance Costs
What Car Insurance is Required in Texas
According to the Texas Department of Insurance, you must have enough insurance to cover the following state-minimum liability limits:
- $30,000 per person
- $60,000 per accident
- $25,000 for property damage
This is known as 30/60/25 coverage. You must carry proof of insurance at all times when you drive and show it to a police officer when asked, after an accident, when you renew your license or registration, and during you car inspection. If you don’t, you face a fine and potential license suspension.
Finding Auto Insurance Resources in Texas
If you want to know more about auto insurance in Texas, there are many places you can go. First, the Texas Department of Insurance website has important information on auto insurance and other types of coverage in the state.
There are two different offices for driver’s licenses and car registration. If you want to know how to get a new license, transfer your license or get your driving record, contact the Texas Department of Public Safety (DPS). The Texas Department of Motor Vehicles or TxDMV, on the other hand, manages vehicle registration, inspections and even car dealer applications.
The average annual rate for minimum coverage in Texas is $534, which comes out to a monthly rate of $44.50 a month. For full coverage, which includes liability and collision costs, the average annual rate is $1798, which comes out to almost $150 a month. However, your rates for Texas auto insurance will depend on your personal situation.
How Much Does Auto Insurance Cost in TX with a DUI Violation?
If you have a DUI violation on your driving record the average cost for auto insurance raises significantly and will cost around $4,800 a year for a full coverage policy and $1,781 for state minimum liability . Progressive, USAA and State Farm offer the cheapest rates for drivers with a DUI as seen in the costs table below:
| Insurance Provider | State Minimum (DUI): | Full Coverage (DUI): |
|---|---|---|
| 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 |
Tips for Saving on Texas Auto Insurance
Some motorists can qualify for auto insurance discounts based on certain criteria, including:
1. If you are or have a young driver in the home, you know that teen drivers are more expensive to insure. Young drivers can, however, may get a discount by taking a DPS-approved driver education course.
2. Never let your insurance lapse. Texas law states that companies can hike your premiums if you drove uninsured for more than 30 days in the previous 12 months before your application.
3. Watch your credit score. According to the Texas Department of Insurance and the Office of Public Insurance Counsel, some companies may use your credit history as a factor when calculating your insurance premium. However, an insurance company can’t deny you coverage or cancel your policy based solely on your credit report.
Moving to Texas: Important Information
If you are moving to Texas from another state, don’t forget to take care of your license and car registration. According to TxDMV, you must register your car within 30 days of moving to Texas. To do this, you need to get a vehicle inspection, and then go to the county tax assessor-collector to get a title and registration.
To get a new Texas driver’s license, you must have been living in the state for at least 30 days. However, if you have a valid license from another state, you can surrender your out of state license and get a Texas license without taking any of the knowledge tests. You must do this within 90 days of moving to the state.
Understanding Driving Laws in Texas
Switching to a Texas license from another state’s license is simple because most traffic laws are the same from state to state. However, before you go out on the roads, make sure you read up on unique Texas driving laws.
There are some offenses that Texas considers severe enough for mandatory suspension. While some are obvious, such as felonies and providing false information, there are offenses on a smaller scale you should know, including:
- Overtaking and passing a school bus operating stop lights or a sign, even when safe to do so.
- Using a fake, suspended, revoked or altered license.
- Using someone else’s license.
- Lending out a permit or license.
Teen Driving Laws in Texas
In Texas, Graduated Driver Licensing (GDL) laws are in place to help teenagers safely gain experience driving.
- At the age of 15, Texan teens can apply for a learner’s permit, allowing them to drive as long as they are with a licensed driver who is 21 years old
- At the age of 16, they can then get a provisional license, which allows them to drive alone but with curfew restrictions and a passenger limit for non-family members. They can obtain this by
- Holding a learner’s permit for a minimum of six months;
- Completing classroom and behind-the-wheel portions of driver education;
- Passing the Impact Texas Teen Driver (ITTD) course
- Obtaining a passing score on the driving test.
- At the age of 18, they can receive a full license and all restrictions are lifted.
Frequently Asked Questions About Texas Auto Insurance
1. Is your insurance valid in other places?
Other U.S. states and Canada will recognize your auto insurance. However, you will need to purchase additional insurance if you plan to go to Mexico, as this country does not accept most types of foreign insurance policies.
2. What are your rights as a consumer?
Texas insurance law has a Bill of Rights that outlines all your rights as a consumer. This includes the right to information from your insurance company, protection from excess limits, and information on payment plans and privacy.
3. Can a company cancel your policy as a result of a speeding ticket?
Yes, especially within the first 60 days of the policy’s implementation, as during this period Texas insurance companies can cancel a policy for any reason. Few insurers will cancel your policy based on one ticket, but they may raise your premium.
How to Get Great Rates on Texas Auto Insurance
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
insuranceQuotes.com connects you with local and national insurance companies that give you free Texas car insurance quotes within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.
