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:
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.
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.
Recommended Companies for Cheap Texas Insurance
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.
| 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.
| 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% |
| Get Rates for Your Vehicle Quote Now | ||
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles
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.
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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,164 |
| $250 | $1,948 |
| $500 | $1,694 |
| $1,000 | $1,452 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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