Multiple factors are responsible for deciding how much you’ll pay for car insurance in Texas, including your age, the amount of coverage you get, location, driving record, and credit score.
Car Insurance in Texas
In Texas, the average monthly premium for full coverage as a 40-year-old with State Farm is $200, and the average monthly premium for minimum coverage is $65 per month.
The average annual premium for full coverage as a 40-year-old with State Farm is $699.
Dairyland, however, charges $1,895. Additionally, a 25-year-old with State Farm pays about $900 annually, which is a few hundred dollars more than a 40-year-old.
Based on our expert analysis, the typical premium for full coverage auto insurance in Texas for a 35-year-old driver with good credit and a clean driving record is $2,398 annually or roughly $200 per month.
The average annual cost of minimum coverage is $774, or roughly $65 per month. However, these are only averages.
Factors like age, the insurance company writing the policy, and whether you’ve had a recent violation or accident all affect how much you pay for insurance, how much you pay for insurance in Texas ultimately depends on your individual characteristics and driving history.
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The Average Cost of Car Insurance in Texas: By Company
The amount of coverage you purchase and the company from which you purchase it have a significant impact on the cost of car insurance in Texas.
Full coverage and minimum coverage are the two types of auto insurance that people frequently purchase.
When we compared businesses, our expert analysis found the following:
- Redpoint County Mutual has the most affordable Texas car insurance for full coverage, at $974 per year, on average.
- State Farm has the most affordable Texas car insurance for minimum coverage, at $396 per year, on average.
However, rates can go much higher. Depending on the company you choose, full coverage auto insurance could cost you $3,700 more annually.
The average cost for full and minimal coverage for all 18 companies under consideration in Texas is shown in the table below.
| Company | Average full coverage rate per year | Average minimum coverage rate per year |
| Redpoint County Mutual | $974 | $429 |
| State Farm | $1,380 | $396 |
| Republic Group | $1,401 | $620 |
| Texas Farm Bureau | $1,451 | $494 |
| Auto Club of SoCal (AAA) | $1,596 | $544 |
| Germania | $1,826 | $575 |
| Geico | $1,868 | $599 |
| Nationwide | $2,268 | $867 |
| Chubb | $2,337 | $797 |
| Encompass | $2,460 | $1,013 |
| Dairyland | $2,465 | $751 |
| Allstate | $2,765 | $646 |
| Progressive | $2,828 | $834 |
| Mercury | $2,886 | $870 |
| Safe Auto | $3,666 | $1,075 |
| National General | $4,002 | $1,116 |
| Foremost | $4,698 | $1,346 |
| USAA* | $1,293 | $426 |
| *USAA is only available to military, veterans and their families. | ||
The Average Cost of Car Insurance in Texas: By Age
The cost of a driver’s auto insurance in Texas is heavily influenced by age. In general, the younger you are, the more expensive your auto insurance will be.
Our analysis shows that between the ages of 20 and 30, the price of car insurance in Texas decreases by more than half. However, rates typically stay flat after age 30, with only a slight price decline as people get older and reach age 60.
However, drivers typically don’t start to see rate increases again until they are in their 70s.
The average annual premiums for full- and minimum-coverage auto insurance in Texas are shown below by age.
| Age | Average full coverage rate per year | Average minimum coverage rate per year |
| 20 | $5,149 | $1,834 |
| 30 | $2,487 | $801 |
| 35 | $2,398 | $774 |
| 40 | $2,315 | $756 |
| 50 | $2,125 | $709 |
| 60 | $2,009 | $679 |
| 70 | $2,274 | $812 |
The Average Cost of Car Insurance in Texas: By Driving Record
Another significant aspect of auto insurance prices in the Lone Star State is your driving record.
Our analysis shows that a driver in Texas with a perfect driving record typically pays $320 less for full coverage auto insurance than a driver with a recent traffic infraction.
When comparing the average rates for drivers with a DUI or recent accident, the difference widens.
Based on the driving record of a 35-year-old driver with good credit, the following table shows the average annual Texas car insurance costs for full and minimum coverage.
| Driving history | Average full coverage rate per year | Average minimum coverage rate per year |
| Good driver | $2,398 | $774 |
| One speeding ticket | $2,721 | $872 |
| DUI | $3,642 | $1,277 |
| One recent accident | $4,066 | $1,406 |
The Average Cost of Car Insurance in Texas: By Credit History
Texas insurers set rates using a credit-based insurance score, similar to most other states. These credit scores estimate your likelihood of filing a claim using information from your personal credit report.
In Texas, on average, drivers with good credit can anticipate paying much less for auto insurance than those with bad credit.
According to our analysis, full coverage auto insurance costs 42% more on average for drivers with bad credit than it does for those with good credit.
See how much Texas auto insurance costs based on credit history in the table below.
| Credit history | Average full coverage rate per year | Average minimum coverage rate per year |
| Good | $2,398 | $774 |
| Poor | $4,157 | $1,281 |
Extra Factors that Decide Cost of Car Insurance
There are other factors to consider in addition to your insurance provider, age, driving record, and credit score when determining how much car insurance costs in Texas. They are:
Weight of Coverage: Your personal insurance needs may differ from our analysis of Texas rates for minimum and complete coverage. Additionally, you’ll probably pay more if you need more coverage. However, the extra expense might be well worth the peace of mind.
Postal Code: You should anticipate paying more for auto insurance if you reside in a large city like Dallas or Austin. That’s because living in a more populated area increases your risk of getting into an accident or having your car stolen.
Your Vehicle: Since the cost of repairs will be higher the more expensive your car is, the more it will cost to insure it. Additionally, if your car is a prized target for thieves or has a low safety rating, like some Kia and Hyundai models, you might have to pay more for insurance.
Your Insurance History: Your auto insurance provider may view you as a higher risk to insure and charge you higher rates if you’ve experienced a coverage lapse (let’s say you took a break from driving or missed payments).
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To Round Up
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