- 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.
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.
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.
- Houston Car Insurance - $1,838 per year or $153 per month
- San Antonio Car Insurance - $1,672 per year or $139 per month
- Dallas Car Insurance - $1,848 per year or $154 per month
- Austin Car Insurance - $1,598 per year or $133 per month
- Fort Worth Car Insurance - $1,620 per year or $135 per month
- El Paso Car Insurance - $1,612 per year or $134 per month
- Arlington Car Insurance - $1,678 per year or $140 per month
- Corpus Christi Car Insurance - $1,590 per year or $133 per month
