How Much Does Auto Insurance Cost in Texas?
Texas pricing is near the national average. Updated for 2026.
Auto Insurance Pricing in Texas
In Texas, the average cost for auto insurance is $167 per month, which is 7% lower than the national average of $180. Most Texas residents pay between $93 and $279.
Texas has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Auto insurance premiums depend on your driving record, vehicle, coverage levels, location, credit score, and age. Full coverage costs significantly more than minimum liability.
Texas vs National Average
What Affects Auto Insurance Cost in Texas?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
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💡 Tips to Save on Auto Insurance in Texas
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance in Texas Cost Trends (2022–2026)
Prices have increased +17.6% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $142 | — |
| 2023 | $148 | +4.2% |
| 2024 | $158 | +6.8% |
| 2025 | $162 | +2.5% |
| 2026 | $167 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Auto Insurance in Texas
Recent Reports
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
Auto Insurance Cost in Other States
Related Cost Guides for Texas
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