Cheap Car Insurance in Texas
Texas drivers pay an average of $1,825/year for auto insurance — $36 above the national average. Compare quotes and save.
How Texas stacks up
At $1,825 per year for full coverage, Texas drivers pay 2% more than the national average of $1,789. Hail, hurricanes, and dense urban metros (Houston, Dallas) keep Texas above the national average.
Premiums vary widely within Texas based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.
Required minimum coverage in Texas
Bodily injury liability
30/60 (in $thousands)
Property damage liability
$25,000
No-fault / PIP required
No
Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.
5 ways to lower your Texas car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10–25% discount).
- Ask about telematics / usage-based discounts (10–30% if you drive carefully).
- Hail, hurricanes, and dense urban metros (Houston, Dallas) keep Texas above the national average.
Texas insurance FAQ
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