Texas Car Insurance Cost for 2023

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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  • The average cost of full-coverage car insurance in Texas is around $1,676 per year, which is the equivalent of $140 per month.
  • Cheaper vehicles to insure in Texas include models like the Honda Passport, the Nissan Rogue Sport, the Chevrolet Trailblazer, and the Mazda CX-5.
  • Where you live in Texas can affect rates significantly. For example, average rates in Austin are $1,598 while in Houston they are $1,838.

How much does car insurance cost in Texas?

Average car insurance cost in Texas is $1,676 per year, which is 3.1% less than the national average rate of $1,728. The average cost of car insurance in Texas per month is $140.

Car insurance cost for some of the more popular cars and trucks in Texas include the Toyota Camry at an average of $1,592 per year, the Ford F150 at $1,702, the Nissan Altima at $1,790, and the Chevrolet Silverado at $1,834 per year.

Other popular vehicles and their average car insurance rates include the Toyota Corolla at $1,572 per year, the Honda Accord at $1,696, the Honda Civic at $1,640, and the Nissan Sentra with an average cost of $1,556 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Texas car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Texas zip codes.Data last updated on August 12, 2023
Average Car Insurance Cost in Texas
Average Car Insurance Cost in Texas
Driver Age Deductible Annual Cost Monthly Cost

The average cost of car insurance in Texas in the chart above ranges from $1,266 per year for a 60-year-old driver with a high deductible policy to $3,876 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 $106 to $323 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 $4,222 per year for a 19-year-old female driver up to $6,004 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 Chevrolet Trailblazer, Nissan Kicks, Subaru Crosstrek, and Mazda CX-5 all have cheap insurance rates.

Texas drivers like their full-size pickup trucks, and the Nissan Titan, Ford F150, and Toyota Tundra are the cheapest to insure in Texas. Average insurance rates for those three trucks are $1,658, $1,702, and $1,762 per year, respectively.

Other models that rank well for car insurance cost in Texas include the Kia Seltos at an average annual cost of $1,358, the Subaru Ascent at $1,362, and the Hyundai Venue at $1,366 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 $1,592 per year, or around $133 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 Cost Monthly Cost
1Chevrolet Trailblazer$1,268$106
2Subaru Crosstrek$1,278$107
3Nissan Kicks$1,286$107
4Honda Passport$1,302$109
5Nissan Rogue Sport$1,308$109
6Mazda CX-5$1,316$110
7Buick Encore$1,334$111
8Buick Envision$1,340$112
9Kia Seltos$1,358$113
10Subaru Ascent$1,362$114
11Hyundai Venue$1,366$114
12Subaru Impreza$1,386$116
13Ford Maverick$1,392$116
14Honda HR-V$1,394$116
15Chevrolet Colorado$1,396$116
16Acura RDX$1,398$117
17Hyundai Kona$1,406$117
18Subaru Forester$1,412$118
19Ford Edge$1,420$118
20Honda CR-V$1,422$119
21Mazda CX-30$1,424$119
22Ford Explorer$1,426$119
23Volkswagen Atlas$1,430$119
24Chevrolet Trax$1,440$120
25Nissan Murano$1,440$120
26Subaru Outback$1,442$120
27Nissan Frontier$1,444$120
28Volkswagen Tiguan$1,456$121
29Ford Bronco Sport$1,458$122
30Fiat 500X$1,486$124
31Ford Ranger$1,488$124
32GMC Terrain$1,490$124
33Kia Soul$1,494$125
34Mitsubishi Eclipse Cross$1,494$125
35Volkswagen Atlas Cross Sport$1,496$125
36Lexus RX 350$1,498$125
37Acura Integra$1,504$125
38Chevrolet Equinox$1,510$126
39Toyota Corolla Cross$1,512$126
40Cadillac XT4$1,514$126
41Volkswagen Taos$1,520$127
42GMC Canyon$1,522$127
43Toyota Venza$1,528$127
44Mazda CX-50$1,530$128
45Honda Odyssey$1,532$128
46Hyundai Tucson$1,532$128
47Volkswagen Jetta$1,532$128
48Toyota Tacoma$1,534$128
49Ford Escape$1,536$128
50Kia Sorento$1,538$128
51Nissan Rogue$1,542$129
52Volvo XC40$1,542$129
53Subaru Legacy$1,544$129
54Infiniti QX50$1,550$129
55Mazda MX-5 Miata$1,550$129
56Toyota RAV4$1,552$129
57Hyundai Palisade$1,556$130
58Kia Niro$1,556$130
59Mazda MX-30$1,556$130
60Nissan Sentra$1,556$130
61Hyundai Santa Cruz$1,558$130
62Mini Cooper$1,564$130
63Lexus UX 250h$1,568$131
64Chevrolet Tahoe$1,570$131
65Toyota 4Runner$1,570$131
66Toyota Corolla$1,572$131
67Jeep Compass$1,574$131
68Volkswagen Golf$1,576$131
69Toyota Prius$1,580$132
70Mini Cooper Clubman$1,592$133
71Toyota Camry$1,592$133
72Cadillac XT5$1,594$133
73GMC Acadia$1,598$133
74Chevrolet Traverse$1,602$134
75Mazda 3$1,608$134
76Honda Pilot$1,612$134
77Kia K5$1,616$135
78Buick Enclave$1,618$135
79Jeep Renegade$1,618$135
80Chevrolet Bolt$1,624$135
81Mercedes-Benz GLA250$1,626$136
82Nissan Pathfinder$1,628$136
83Toyota bz4X$1,628$136
84Cadillac XT6$1,630$136
85Chevrolet Malibu$1,632$136
86Mazda CX-9$1,632$136
87Mercedes-Benz GLB 250$1,632$136
88Chrysler 300$1,636$136
89Honda Civic$1,640$137
90Chrysler Pacifica$1,642$137
91Kia Forte$1,646$137
92Mitsubishi Mirage G4$1,652$138
93Lexus NX 250$1,654$138
94Mitsubishi Outlander Sport$1,658$138
95Nissan Titan$1,658$138
96Chevrolet Suburban$1,662$139
97Honda Ridgeline$1,664$139
98Kia Telluride$1,666$139
99Acura MDX$1,668$139
100Kia Sportage$1,672$139

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Texas.Data last updated on August 12, 2023
    Top 100 Cheapest Vehicles to Insure in Texas

    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.