How Much Is Car Insurance in Texas?

According to NerdWallet’s analysis, the average cost of full coverage car insurance in is per year, or about a month, for a 35-year-old driver with good credit and a clean driving record.

The average cost of minimum coverage for that same driver profile is per year, or about a month.

But these are only averages. How much you’ll pay for car insurance in ultimately depends on your unique characteristics and driving history, since factors such as your age, insurance company and driver profile all affect how much you pay for insurance.

We’ve listed the average car insurance rates for the following categories, based on NerdWallet’s analysis of how much car insurance costs in :

The average cost of car insurance can be a good indicator for how much you can expect to pay, but don’t let that stop you from shopping for a better price. NerdWallet recommends comparing car insurance quotes from multiple insurers at least once a year to get the best possible rate.

If you’re looking for the cheapest car insurance in your city, NerdWallet also analyzed rates for some of the largest cities in :

Arlington

Austin

Dallas

El Paso

Fort Worth

Houston

Katy

San Antonio

Spring

Average cost of car insurance in Texas by company

How much car insurance costs in depends on a variety of factors, including how much coverage you buy as well as the company you buy it from. Two common types of car insurance people buy are full coverage and minimum coverage.

Full coverage

Minimum coverage

Here’s what NerdWallet’s analysis uncovered when we compared companies to find the cheapest option for full and minimum coverage in .

• The cheapest car insurance for full coverage is offered by at per year, on average.

• The cheapest car insurance for minimum coverage is offered by at per year, on average.

But your rate could be significantly higher than that, depending on several other factors, such as the insurance company you choose.

The table below includes average costs for full coverage in for the five cheapest options of the companies we analyzed.

And this table includes average costs for minimum coverage in for the five cheapest options of the companies we analyzed.

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How much is car insurance in Texas by age?

Age plays a big role in determining how much a driver pays for car insurance in Texas. And in most cases, young drivers pay the most for car insurance.

According to our analysis, a 20-year-old driver in pays more than what a 30-year-old driver pays. Once you hit 30, average rates will continue to decrease until you turn 70, at which point the cost of insurance starts going up again.

Below are the average annual costs of car insurance in , by age, for both full and minimum coverage.

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Compare car insurance costs in Texas by driver profile

Your driving history is another important factor in the price you’ll pay for car insurance. According to our analysis, a 35-year-old driver with a recent speeding ticket would pay a month for full coverage insurance, compared to for a 35-year-old with a recent accident. Meanwhile, a 35-year-old driver with a clean driving history would only pay for the same coverage.

Similarly, — like most states — allows insurers to use a credit-based insurance score to price car insurance. These scores use your personal credit information to determine how likely you are to file a claim. Drivers with good credit will likely pay much less for car insurance in than a driver with poor credit.

Here are the cheapest car insurance companies for multiple 35-year-old driver profiles, as well as the average rate for each profile from those insurers.

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Average car insurance cost in Texas by ZIP code

Where you live in can also affect how much insurance costs, because some places like cities typically have higher accident or theft rates than more rural areas. You can get an estimate for the cost of a full coverage policy based on your ZIP code below.

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Other factors that impact how much you pay for car insurance

While your insurance provider, age, driving history and credit score all help determine the cost of car insurance in , there are additional factors to be aware of when you compare insurance quotes.

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