Auto insurance in Texas averages $2,060/year per year, but rates vary widely by city and driving record. Compare free quotes from top insurers serving Houston, Dallas, San Antonio and all of Texas β no personal info required to browse.
| Insurer | Avg. Annual Rate | Best For | AM Best Rating | Available in TX |
|---|---|---|---|---|
| π GEICO Lowest Rates | ~$1,200/yr | Budget drivers | A++ | β Yes |
| State Farm | ~$1,480/yr | Good drivers | A++ | β Yes |
| β Progressive High-Risk Drivers | ~$1,610/yr | SR-22 / DUI | A+ | β Yes |
| Allstate | ~$1,900/yr | Full coverage | A+ | β Yes |
| USAA | ~$1,100/yr | Military families | A++ | β Yes |
| Travelers | ~$1,350/yr | Multi-policy | A++ | β Yes |
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Texas requires 30/60/25 minimum liability, enforced by the Texas Department of Insurance (TDI). The state operates under an at-fault (tort) liability system, meaning the driver responsible for a crash pays for the other party's damages. Under SB 9, every driver must show proof of insurance during a traffic stop. Uninsured and underinsured motorist coverage must be offered by the insurer, but drivers can reject both in writing. A DWI conviction triggers an SR-22 filing requirement that stays in place for two years.
Rate drivers in Texas are shaped heavily by severe weather and dense urban traffic. Hail storms across North Texas and hurricane claims along the Gulf Coast, especially in Harris County, push comprehensive premiums well above the national median. Credit-based insurance scoring is permitted by TDI, so improving your credit profile can meaningfully lower premiums. Annual mileage, ZIP code, and vehicle theft rates in Houston, Dallas, and San Antonio also influence pricing, and bundling with homeowners coverage remains one of the largest available discounts.
The average cost of auto insurance in Texas is $2,060/year. Rates vary based on your city, driving record, vehicle, and coverage level. Urban areas like Houston tend to have higher rates.
Texas requires 30/60/25 minimum liability coverage, regulated by the Texas Department of Insurance (TDI). That is $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Under SB 9, drivers must show proof of insurance at traffic stops. Uninsured/underinsured motorist coverage must be offered but can be rejected in writing. A DWI conviction triggers an SR-22 filing requirement for two years.
In Texas, you can lower your auto insurance rate by bundling with home insurance (saves 10 to 25%), maintaining a clean driving record, raising your deductible, and comparing quotes from multiple insurers annually.
No, Texas is an at-fault state. The driver responsible for the accident, through their liability insurance, pays for the other party's damages and injuries. Injured drivers may also file suit directly against the at-fault motorist.
Texas minimum auto liability coverage is 30/60/25: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Credit-based insurance scoring is permitted, and hail plus hurricane claims in Harris County and along the Gulf Coast are major rate drivers. Drivers must carry proof of coverage at all times and present it during any traffic stop under SB 9.