Car insurance › Texas
Car insurance in Texas
In 2024, the average full-coverage policy in Texas cost $1,917 a year ($160 a month), 19% above the US average. It ranked #6 most expensive of 50 states and DC.
Free, no obligation. You pick the insurer and buy directly from them.
Full coverage
$160/mo$1,917 a year · US $134/mo
Liability only
$74/mo$893 a year · US $68/mo
Change since 2020
+47.2%Full coverage, $1,303 → $1,917 a year
Texas comprehensive figures are estimated by the Texas Department of Insurance, which affects the full-coverage average.
Average yearly cost in Texas, 2020–2024
Average premium per insured vehicle for each coverage. “Full coverage” is the NAIC combined average premium (liability + collision + comprehensive). “Average spent” is what drivers spent on average, including those without collision or comprehensive.
| Year | Full coverage | Liability | Collision | Comprehensive | Average spent |
|---|---|---|---|---|---|
| 2024 | $1,917 | $893 | $569 | $455 | $1,578 |
| 2023 | $1,727 | $798 | $529 | $400 | $1,429 |
| 2022 | $1,469 | $691 | $458 | $320 | $1,233 |
| 2021 | $1,343 | $627 | $425 | $291 | $1,123 |
| 2020 | $1,303 | $612 | $412 | $279 | $1,085 |
Estimate your price in Texas
Adjust for your vehicle and driving record. An estimate, not a quote.
Choose a state, or enter your ZIP code above, to see typical prices.
Ways to pay less
- Get quotes from several insurers with identical limits and deductibles.
- Ask about discounts you may qualify for, such as bundling with renters or home insurance, good-student, low-mileage and safe-driver discounts.
- Raise your collision and comprehensive deductibles only if your emergency savings could cover them.
- On an older car, compare the cost of collision coverage with what the car is worth.
Sources
- 2024 Auto Insurance Database Average Premium Supplement, National Association of Insurance Commissioners (NAIC). Statewide averages for 2024, the latest year published (released in 2026). Averages are not quotes and do not reflect your age, ZIP code, credit, limits or deductibles.
- Average Car Insurance Rates by Vehicle Type, Insurify (updated Nov 6, 2026; same figures as its Dec 1, 2025 update). Used only as relative factors: each type’s full-coverage average compared with the middle of the types listed.
- How much will car insurance go up after an accident or ticket?, Insurance.com, with rates from Quadrant Information Services (updated Sep 1, 2025). Average increases for a 40-year-old driver with good credit and full coverage. Insurers combine violations in their own ways; adding the increases together is a simplification.
SpendySaver is not an insurer or insurance agent. Averages are for education and aren’t quotes. Advertiser disclosure