How much is car insurance in Texas?
Full-coverage car insurance in Texas averaged $1,727 a year in 2023 (NAIC)—20% above the $1,439 US average and 6th highest in the US—which works out to about $2,050 a year in Texas today (about $170 a month, brought to August 2026 with the federal price index). In Texas, the law asks for at least 30/60/25 liability, and Texas's 2023 liability-only average—the closest NAIC figure to a minimum policy—was $798 (about $950 today).
What people pay in Texas: 6th highest average in the US
Typical Texas full-coverage price today
about $2,050 a year in Texas (about $170 a month)
Texas's 2023 NAIC full-coverage average ($1,727) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Texas rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Texas was the 6th most expensive of the 50 states and DC for full coverage ($1,727 vs $1,439 nationally), while ranking lower on liability alone (13th highest in the US at $798) because 54% of a full-coverage Texas premium goes to collision and comprehensive coverage on your own car. NAIC also tracks Texas's average expenditure per insured vehicle—$1,429 in 2023 (13th highest in the US, or about $1,690 today)—which sits 17% ($298) below Texas's full-coverage average because many Texas drivers drop collision or comprehensive on older cars.
What sample drivers pay across 5 Texas ZIP codes (TDI HelpInsure, 2025)
The Texas Department of Insurance (TDI) and the Office of Public Insurance Counsel publish sample liability-only 30/60/25 rates on HelpInsure.com for five ZIP codes (rates in effect June 1, 2025, across 36 companies). For the base sample driver, the median company rate runs from $703 a year in Alpine (79830) to $1,565 a year in Houston (77036).
| Location | Companies | Median yearly rate | Lowest–highest company |
|---|---|---|---|
| Houston 77036 (Harris County) | 36 | $1,565 | $676–$5,416 |
| Dallas 75216 (Dallas County) | 36 | $1,323 | $513–$4,255 |
| Plano 75023 (Collin County) | 36 | $1,242 | $407–$4,115 |
| Plainview 79072 (Hale County) | 36 | $731 | $248–$2,980 |
| Alpine 79830 (Brewster County) | 36 | $703 | $210–$2,864 |
| Location | Companies | Median yearly rate | Lowest–highest company |
|---|---|---|---|
| Houston 77036 (Harris County) | 36 | $4,858 | $1,648–$21,942 |
| Dallas 75216 (Dallas County) | 36 | $3,938 | $1,272–$18,222 |
| Plano 75023 (Collin County) | 36 | $3,591 | $1,157–$19,220 |
| Plainview 79072 (Hale County) | 36 | $1,974 | $618–$11,905 |
| Alpine 79830 (Brewster County) | 36 | $1,973 | $518–$11,905 |
These are sample rates for one specific driver profile in five ZIP codes, not statewide or citywide averages. TDI's data call covers bodily-injury and property-damage liability only (30/60/25), without collision or comprehensive coverage. Source: Texas Department of Insurance and the Office of Public Insurance Counsel, HelpInsure.com auto sample rates (data call: Commissioner's Bulletin B-0005-25) (rates in effect June 1, 2025 (Commissioner's Bulletin B-0005-25); checked September 22, 2026).
How Texas compares with Arkansas, Louisiana, New Mexico, and Oklahoma
A typical policy in Texas ($1,727 in 2023) costs more than in Arkansas, New Mexico, and Oklahoma and less than in Louisiana. Among Texas's neighbors, Arkansas had the lowest 2023 average ($1,296, moving to Texas is about $580 more a year) and Louisiana had the highest ($1,983, moving to Texas is about $340 less a year).
| State | 2023 average | Moving to Texas from there |
|---|---|---|
| Texas | $1,727 | Current state (Texas) |
| Arkansas | $1,296 | About $580 more a year |
| Louisiana | $1,983 | About $340 less a year |
| New Mexico | $1,301 | About $570 more a year |
| Oklahoma | $1,324 | About $540 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Rhode Island ($1,710 in 2023, about $2,030 today), Georgia ($1,746 in 2023, about $2,070 today), New Jersey ($1,693 in 2023, about $2,010 today), and Colorado ($1,655 in 2023, about $1,960 today).
Texas: 30/60/25 minimums since 2011, with PIP and uninsured-motorist coverage unless rejected in writing
- Texas liability (per person / per crash / property)
- $30,000 / $60,000 / $25,000
- Personal injury protection (PIP) in Texas
- Included unless you decline in writing
- Medical payments in Texas
- Not required
- No-fault system in Texas
- No
- Uninsured motorist in Texas
- Included unless you decline in writing
- Underinsured motorist in Texas
- Included unless you decline in writing
Set by Tex. Transp. Code 601.072, Texas's 30/60/25 minimum pays up to $30,000 per person and $60,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Texas, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Texas—the closest NAIC figure to what a Texas minimum policy costs—averaged $798 in 2023 (about $950 in Texas today), the 13th highest of the 50 states and DC. That makes liability 46% of Texas's full-coverage average ($1,727), while the remaining 54% goes toward collision and comprehensive coverage for your own car.
Texas requires at least $30,000 per person and $60,000 per crash for injuries, plus $25,000 for property damage. Personal injury protection (PIP) and uninsured/underinsured-motorist coverage come with your policy unless you turn them down in writing.
Good to know: Texas is an at-fault state even though PIP comes with your policy by default. We found nothing in the law that limits your right to sue.
What we couldn’t confirm: We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Personal injury protection
- $2,500 per person is the standard amount; the law doesn't require insurers to offer more.
- Uninsured and underinsured motorist
- One coverage handles both uninsured and underinsured drivers, at no less than the state minimums (30/60/25), including property damage.
- History and recent checks
- 30/60/25 effective January 1, 2011 (Transp. Code 601.072(a-1)); no change found for 2024-2026.
- Checked
- September 22, 2026
- Sources
- Tex. Transp. Code 601.072
Effective January 1, 2011 ... (1) $30,000 for bodily injury to or death of one person in one collision; (2) $60,000 ... (3) $25,000 for damage to or destruction of property
- Tex. Transp. Code 601.051
A person may not operate a motor vehicle in this state unless financial responsibility is established for that vehicle through: (1) a motor vehicle liability insurance policy
- Tex. Ins. Code 1952.101
unless the insurer provides uninsured or underinsured motorist coverage in the policy ... does not apply if any insured named in the insurance policy rejects the coverage in writing
- Tex. Ins. Code 1952.152-1952.153
unless the insurer provides personal injury protection coverage ... does not apply if any insured named in the insurance policy rejects the coverage in writing. ... amount that exceeds $2,500
- Texas Department of Insurance, Auto insurance guide
at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage
- Tex. Transp. Code 601.072
Adding a 16-year-old driver in Texas: about $1,350 more a year
Adding a 16-year-old to a Texas policy
about $1,350 more a year
About $115 a month (+66% over a typical Texas adult policy of $2,050), bringing the combined Texas family policy to roughly $2,550–$4,500 a year.
On a separate Texas policy of their own with the same car, a 16-year-old in Texas would pay about $5,870 a year (roughly $4,450–$8,400), so sharing a parent's Texas policy saves about $4,520 a year. In Texas Department of Insurance and the Office of Public Insurance Counsel's 2025 sample survey (18-year-old sample driver (30/60/25 liability only)), the median company quote in Houston 77036 (Harris County) is $4,858 a year ($1,648–$21,942).
Our teen-driver multipliers come from California's published age-rating filings scaled to Texas's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Texas
In Texas, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $1,210 more a year on a Texas policy, versus about $2,030 more a year for the 2022 Tesla Model 3 at the top of Texas's list.
| 2022 model | Added to a Texas policy | Own Texas policy |
|---|---|---|
| 2022 Subaru Forester | +$1,210 in Texas | $5,240 in Texas |
| 2022 Subaru Outback | +$1,210 in Texas | $5,250 in Texas |
| 2022 Subaru Crosstrek | +$1,210 in Texas | $5,270 in Texas |
| 2022 Honda CR-V | +$1,300 in Texas | $5,640 in Texas |
| 2022 Toyota RAV4 | +$1,320 in Texas | $5,730 in Texas |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Texas
In Texas, a 45-year-old with full coverage pays from about $2,080 a year for a 2024 Honda Odyssey to about $2,560 for a 2024 Lexus RX on these Texas sample models.
| Car | 45-year-old in Texas | Adding a teen in Texas |
|---|---|---|
| 2024 Jeep Gladiator | about $2,430 a year | +$1,600 a year |
| 2024 Hyundai Santa Cruz | about $2,270 a year | +$1,500 a year |
| 2024 Honda Odyssey | about $2,080 a year | +$1,370 a year |
| 2024 Toyota Sienna | about $2,420 a year | +$1,600 a year |
| 2024 Chrysler Pacifica | about $2,180 a year | +$1,440 a year |
| 2024 Kia Carnival | about $2,260 a year | +$1,490 a year |
| 2024 Lexus RX | about $2,560 a year | +$1,690 a year |
| 2024 Lexus NX | about $2,540 a year | +$1,680 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Texas
- How much is car insurance in Texas?
- In Texas, full-coverage car insurance averaged $1,727 a year in 2023 (the 6th most expensive of the 50 states and DC per NAIC), or about $2,050 a year ($170 a month) in Texas as of August 2026. Texas liability-only coverage averaged $798 in 2023 (46% of Texas's full-coverage figure, or about $950 today), and Texas drivers spent $1,429 per insured car across all policies.
- What are the minimum car insurance limits in Texas?
- Under Tex. Transp. Code 601.072, Texas requires 30/60/25 liability: $30,000 per person and $60,000 per crash for bodily injury, plus $25,000 for property damage. 30/60/25 effective January 1, 2011 (Transp. Code 601.072(a-1)); no change found for 2024-2026.
- How much does adding a 16-year-old teen driver cost in Texas?
- Adding a 16-year-old to a parent's full-coverage policy in Texas adds about $1,350 more a year ($115 a month), bringing the Texas household policy to roughly $2,550–$4,500 a year versus about $5,870 a year (roughly $4,450–$8,400) on a standalone Texas teen policy.
- Is Texas a no-fault car insurance state?
- No—Texas follows fault-based crash rules, but Texas insurers must offer or include personal injury protection (PIP) unless you reject it in writing. $2,500 per person is the standard amount; the law doesn't require insurers to offer more.
- How do sample car insurance rates vary across Texas in Texas Department of Insurance and the Office of Public Insurance Counsel's 2025 survey?
- In Texas Department of Insurance and the Office of Public Insurance Counsel's 2025 rate comparison (Base sample driver (age 30, 30/60/25 liability only)), the median company rate goes from $703 a year in Alpine 79830 (Brewster County) ($210–$2,864) to $1,565 a year in Houston 77036 (Harris County) ($676–$5,416).
Sources for Texas
- Texas average premiums ($1,727 full coverage, $798 liability-only, $1,429 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Texas sample rate survey: Texas Department of Insurance and the Office of Public Insurance Counsel, HelpInsure.com auto sample rates (data call: Commissioner's Bulletin B-0005-25) (checked September 22, 2026).
- Texas minimum coverage statutes (Tex. Transp. Code 601.072; Tex. Transp. Code 601.051; Tex. Ins. Code 1952.101; Tex. Ins. Code 1952.152-1952.153; Texas Department of Insurance, Auto insurance guide), checked September 22, 2026. Page updated for Texas. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.