Texas Car Insurance Cost for 2025

How much is car insurance in Texas? We analyze average insurance cost to see which vehicles are cheapest to insure in the Lone Star state.

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Chevy Silverado 2500 HD throwing dust on a Texas ranch road
  • The average cost of full-coverage car insurance in Texas is around $2,350 per year, which is the equivalent of $196 per month.
  • Cheaper vehicles to insure in Texas include models like the Nissan Kicks, the Honda Passport, the Subaru Crosstrek, and the Buick Envision.
  • Where you live in Texas can affect rates significantly. For example, average rates in Austin are $2,272 while in Houston they are $2,512.

How much does car insurance cost in Texas?

Average car insurance cost in Texas is $2,350 per year, which is 5.6% more than the national average rate of $2,221. The average cost of car insurance in Texas per month is $196.

Car insurance cost for some of the more popular cars and trucks in Texas include the Toyota Camry at an average of $2,524 per year, the Ford F150 at $2,630, the Nissan Altima at $2,546, and the Chevrolet Silverado at $2,598 per year.

Other popular vehicles and their average car insurance rates include the Toyota Corolla at $2,288 per year, the Honda Accord at $2,270, the Honda Civic at $2,080, and the Nissan Sentra with an average cost of $2,156 per year.

The next chart shows average car insurance cost in Texas for different driver ages and policy deductible levels. Rates are based on the average for all 2021 vehicle models.

Average full-coverage car insurance premium in Texas for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Texas for different ages of drivers. Rates updated on June 27, 2025.
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Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Texas Zip Codes.

Average Car Insurance Cost in Texas
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,002$334
$500$4,730$394
$250$5,500$458
30$1,000$2,102$175
$500$2,508$209
$250$2,930$244
40$1,000$1,976$165
$500$2,350$196
$250$2,740$228
50$1,000$1,760$147
$500$2,084$174
$250$2,420$202
60$1,000$1,648$137
$500$1,950$163
$250$2,264$189

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Texas Zip Codes. Updated June 27, 2025

The average cost of car insurance in Texas in the chart above ranges from $1,648 per year for a 60-year-old driver with a high deductible policy to $5,500 per year for a 20-year-old driver with low policy deductibles. As a monthly expense, the average cost of car insurance per month in Texas ranges from $137 to $458 for those same drivers.

Teen driver car insurance rates in Texas will be the highest of any age group due to their inexperience and higher frequency of accidents. Average insurance rates for 16 to 19-year-olds ranges from $5,596 per year for a 19-year-old female driver up to $8,372 per year for a 16-year-old male driver.

Which vehicles have cheap car insurance in Texas?

As a segment, compact SUVs tend to have the overall cheapest car insurance in Texas. The Subaru Crosstrek, Kia Soul, Chevrolet Trailblazer, and Buick Envision all have cheap insurance rates.

Texas drivers like their full-size pickup trucks, and the Nissan Titan, GMC Sierra, and Chevrolet Silverado are the cheapest to insure in Texas. Average insurance rates for those three trucks are $2,198, $2,596, and $2,598 per year, respectively.

Other models that rank well for car insurance cost in Texas include the Mazda CX-5 at an average annual cost of $1,918, the Ford Bronco Sport at $1,924, and the Volkswagen Tiguan at $1,944 per year.

The most popular car in Texas, the Toyota Camry, doesn’t fare as well as some of the other vehicles, as the cost to insure a Camry in Texas costs an average of $2,524 per year, or around $210 per month.

The table below includes the top 100 cheapest vehicles to insure in the state of Texas. The list was created from all vehicle segments, including compact, midsize, and full-size cars, trucks, and SUVs, including luxury models.

Top 100 Cheapest Vehicles to Insure in Texas
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,736$145
2Chevrolet Trailblazer$1,766$147
3Kia Soul$1,834$153
4Nissan Kicks$1,850$154
5Honda Passport$1,872$156
6Buick Envision$1,884$157
7Toyota Corolla Cross$1,894$158
8Hyundai Venue$1,910$159
9Mazda CX-5$1,918$160
10Ford Bronco Sport$1,924$160
11Volkswagen Tiguan$1,944$162
12Acura RDX$1,964$164
13Nissan Murano$1,974$165
14Buick Encore$1,996$166
15Honda CR-V$2,002$167
16Subaru Outback$2,002$167
17Buick Envista$2,010$168
18Volkswagen Taos$2,014$168
19Kia Niro$2,022$169
20Toyota GR Corolla$2,042$170
21Subaru Ascent$2,044$170
22Honda HR-V$2,046$171
23Nissan Leaf$2,060$172
24Chevrolet Colorado$2,072$173
25Honda Civic$2,080$173
26Lexus NX 250$2,080$173
27Volkswagen Atlas$2,086$174
28Acura Integra$2,090$174
29Subaru Forester$2,090$174
30Volkswagen Atlas Cross Sport$2,094$175
31Kia Seltos$2,100$175
32GMC Terrain$2,102$175
33Nissan Rogue$2,114$176
34Hyundai Kona$2,118$177
35Cadillac XT4$2,120$177
36Mazda CX-30$2,120$177
37Volkswagen ID4$2,130$178
38Ford Explorer$2,132$178
39Toyota Highlander$2,138$178
40Ford Escape$2,144$179
41Toyota Venza$2,144$179
42Honda Odyssey$2,146$179
43Nissan Sentra$2,156$180
44Subaru Impreza$2,162$180
45Chevrolet Equinox$2,164$180
46Toyota RAV4$2,168$181
47Mazda MX-5 Miata$2,174$181
48Mazda MX-30$2,180$182
49Hyundai Tucson$2,184$182
50Chevrolet Traverse$2,194$183
51Toyota Prius$2,196$183
52Jaguar E-Pace$2,198$183
53Nissan Titan$2,198$183
54Chevrolet Tahoe$2,206$184
55Mitsubishi Outlander Sport$2,206$184
56Cadillac XT5$2,216$185
57Chevrolet Trax$2,218$185
58Lexus NX 350h$2,218$185
59Mitsubishi Outlander PHEV$2,218$185
60Ford Edge$2,222$185
61Nissan Frontier$2,222$185
62Mini Cooper Clubman$2,228$186
63Kia Sorento$2,230$186
64Mini Cooper$2,234$186
65Lincoln Corsair$2,244$187
66Ford Ranger$2,246$187
67Mercedes-Benz GLB 250$2,248$187
68Lexus UX 250h$2,254$188
69Mitsubishi Eclipse Cross$2,254$188
70Jeep Renegade$2,262$189
71Kia K5$2,266$189
72Lexus NX 450h$2,266$189
73GMC Acadia$2,270$189
74Honda Accord$2,270$189
75Buick Enclave$2,274$190
76Chevrolet Malibu$2,280$190
77Ford Maverick$2,280$190
78Infiniti QX50$2,284$190
79Honda Pilot$2,288$191
80Mitsubishi Outlander$2,288$191
81Toyota Corolla$2,288$191
82Mercedes-Benz GLA250$2,290$191
83Mazda CX-9$2,294$191
84Kia Forte$2,296$191
85Mercedes-Benz GLA35 AMG$2,298$192
86Cadillac XT6$2,300$192
87Kia Sportage$2,304$192
88Hyundai Ioniq 5$2,310$193
89Volkswagen Arteon$2,310$193
90Infiniti QX60$2,312$193
91Nissan Ariya$2,312$193
92Mercedes-Benz AMG GLB35$2,314$193
93Nissan Versa$2,316$193
94Fiat 500X$2,318$193
95Subaru Legacy$2,320$193
96Chrysler Pacifica$2,324$194
97Mini Cooper Countryman$2,324$194
98Subaru Solterra$2,328$194
99Chevrolet Suburban$2,330$194
100Honda Ridgeline$2,332$194

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Texas Zip Codes. Updated June 26, 2025

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Get Rates in Your AreaWhy is this important?

Top 100 cheapest vehicles to insure in Texas with the Subaru Crosstrek ranking first at $1,736 per year
Top 100 cheapest vehicles to insure in Texas with the Subaru Crosstrek ranking first at $1,736 per year

Car insurance rates for select Texas cities

Annual and monthly average rates are shown in the list below for some of the larger cities in Texas. Click on any city to view a dedicated page that details not only average rates, but also the vehicles with the cheapest car insurance rates overall.