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 $2,394 per year, which is the equivalent of $200 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 $2,318 while in Houston they are $2,556.

How much does car insurance cost in Texas?

Average car insurance cost in Texas is $2,394 per year, which is 5.1% more than the national average rate of $2,276. The average cost of car insurance in Texas per month is $200.

Car insurance cost for some of the more popular cars and trucks in Texas include the Toyota Camry at an average of $2,570 per year, the Ford F150 at $2,680, the Nissan Altima at $2,592, and the Chevrolet Silverado at $2,648 per year.

Other popular vehicles and their average car insurance rates include the Toyota Corolla at $2,332 per year, the Honda Accord at $2,314, the Honda Civic at $2,118, and the Nissan Sentra with an average cost of $2,194 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 October 24, 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$4,076$340
$500$4,818$402
$250$5,602$467
30$1,000$2,142$179
$500$2,554$213
$250$2,986$249
40$1,000$2,014$168
$500$2,394$200
$250$2,790$233
50$1,000$1,794$150
$500$2,122$177
$250$2,464$205
60$1,000$1,680$140
$500$1,986$166
$250$2,306$192

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 October 24, 2025

The average cost of car insurance in Texas in the chart above ranges from $1,680 per year for a 60-year-old driver with a high deductible policy to $5,602 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 $140 to $467 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 $5,703 per year for a 19-year-old female driver up to $8,526 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 $2,238, $2,642, and $2,648 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 $1,950, the Ford Bronco Sport at $1,960, and the Volkswagen Tiguan at $1,978 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 $2,570 per year, or around $214 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$1,766$147
2Chevrolet Trailblazer$1,798$150
3Kia Soul$1,868$156
4Nissan Kicks$1,886$157
5Honda Passport$1,906$159
6Buick Envision$1,916$160
7Toyota Corolla Cross$1,930$161
8Hyundai Venue$1,942$162
9Mazda CX-5$1,950$163
10Ford Bronco Sport$1,960$163
11Volkswagen Tiguan$1,978$165
12Acura RDX$2,000$167
13Nissan Murano$2,010$168
14Buick Encore$2,034$170
15Subaru Outback$2,038$170
16Honda CR-V$2,042$170
17Buick Envista$2,046$171
18Volkswagen Taos$2,050$171
19Kia Niro$2,060$172
20Toyota GR Corolla$2,078$173
21Honda HR-V$2,082$174
22Subaru Ascent$2,082$174
23Nissan Leaf$2,096$175
24Chevrolet Colorado$2,108$176
25Lexus NX 250$2,116$176
26Honda Civic$2,118$177
27Volkswagen Atlas$2,122$177
28Acura Integra$2,128$177
29Subaru Forester$2,130$178
30Volkswagen Atlas Cross Sport$2,132$178
31Kia Seltos$2,138$178
32GMC Terrain$2,144$179
33Nissan Rogue$2,150$179
34Hyundai Kona$2,154$180
35Mazda CX-30$2,158$180
36Cadillac XT4$2,162$180
37Volkswagen ID4$2,170$181
38Ford Explorer$2,172$181
39Toyota Highlander$2,178$182
40Toyota Venza$2,182$182
41Ford Escape$2,184$182
42Honda Odyssey$2,186$182
43Nissan Sentra$2,194$183
44Subaru Impreza$2,198$183
45Chevrolet Equinox$2,204$184
46Toyota RAV4$2,208$184
47Mazda MX-5 Miata$2,216$185
48Mazda MX-30$2,222$185
49Hyundai Tucson$2,224$185
50Chevrolet Traverse$2,234$186
51Jaguar E-Pace$2,236$186
52Toyota Prius$2,236$186
53Nissan Titan$2,238$187
54Chevrolet Tahoe$2,248$187
55Mitsubishi Outlander Sport$2,250$188
56Cadillac XT5$2,258$188
57Lexus NX 350h$2,258$188
58Mitsubishi Outlander PHEV$2,258$188
59Chevrolet Trax$2,262$189
60Ford Edge$2,264$189
61Nissan Frontier$2,264$189
62Mini Cooper Clubman$2,268$189
63Kia Sorento$2,272$189
64Mini Cooper$2,274$190
65Ford Ranger$2,286$191
66Lincoln Corsair$2,288$191
67Mercedes-Benz GLB 250$2,290$191
68Lexus UX 250h$2,294$191
69Mitsubishi Eclipse Cross$2,296$191
70Jeep Renegade$2,302$192
71Kia K5$2,306$192
72Lexus NX 450h$2,306$192
73GMC Acadia$2,308$192
74Buick Enclave$2,314$193
75Honda Accord$2,314$193
76Chevrolet Malibu$2,320$193
77Ford Maverick$2,322$194
78Infiniti QX50$2,324$194
79Honda Pilot$2,330$194
80Mitsubishi Outlander$2,332$194
81Toyota Corolla$2,332$194
82Mercedes-Benz GLA250$2,334$195
83Mazda CX-9$2,336$195
84Kia Forte$2,338$195
85Mercedes-Benz GLA35 AMG$2,340$195
86Cadillac XT6$2,342$195
87Kia Sportage$2,344$195
88Volkswagen Arteon$2,350$196
89Hyundai Ioniq 5$2,352$196
90Infiniti QX60$2,354$196
91Mercedes-Benz AMG GLB35$2,358$197
92Nissan Versa$2,360$197
93Fiat 500X$2,362$197
94Subaru Legacy$2,362$197
95Chrysler Pacifica$2,366$197
96Mini Cooper Countryman$2,368$197
97Subaru Solterra$2,370$198
98Chevrolet Suburban$2,374$198
99Honda Ridgeline$2,376$198
100Mazda CX-50$2,378$198

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 October 24, 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 $1,766 per year
Top 100 cheapest vehicles to insure in Texas with the Subaru Crosstrek ranking first at $1,766 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.