Texas Car Insurance Cost for 2021

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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How much does car insurance cost in Texas?

Average car insurance cost in Texas is $1,472 per year, which is 3.3% less than the national average rate of $1,523. The average cost of car insurance in Texas per month is $123.

Car insurance cost for some of the more popular cars and trucks in Texas include the Toyota Camry at an average of $1,472 per year, the Ford F150 at $1,402, the Nissan Altima at $1,522, and the Chevrolet Silverado at $1,534 per year.

Other popular vehicles and their average car insurance rates include the Toyota Corolla at $1,278 per year, the Honda Accord at $1,418, the Honda Civic at $1,380, and the Nissan Sentra with an average cost of $1,456 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Texas zip codes.
Average Car Insurance Cost in Texas
Average Car Insurance Cost in Texas
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,480$207
$500$2,926$244
$250$3,394$283
30$1,000$1,300$108
$500$1,550$129
$250$1,808$151
40$1,000$1,244$104
$500$1,472$123
$250$1,708$142
50$1,000$1,134$95
$500$1,340$112
$250$1,554$130
60$1,000$1,114$93
$500$1,316$110
$250$1,526$127

The average cost of car insurance in Texas in the chart above ranges from $1,114 per year for a 60-year-old driver with a high deductible policy to $3,394 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 $93 to $283 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 $3,706 per year for a 19-year-old female driver up to $5,278 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 Forester, Honda CR-V, Mazda CX-3, Toyota C-HR, Kia Sportage, and Ford Edge all have cheap insurance rates.

Texas drivers like their pickup trucks, and the Ford F-150, GMC Sierra, and Toyota Tundra make the list of the top 100 cheapest car insurance quotes in Texas. The Ford F-150 ranks #70 at $1,402 per year, the GMC Sierra ranks #89 at $1,440 per year, and the Toyota Tundra came in at #100 costing an average of $1,462 per year.

The Chevy Silverado and Ram 1500 are two of the more popular pickups in Texas, but they didn’t make the top 100 list. Chevy Silverado insurance in Texas costs an average of $1,534 per year, and Ram 1500 insurance in Texas costs an average of $1,602 per year.

The most popular car in Texas, the Toyota Camry, didn’t make the top 100 list as well. Toyota Camry insurance in Texas costs an average of $1,472 per year, or around $123 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
1Subaru Forester$1,094$91
2Honda CR-V$1,110$93
3Ram Promaster City$1,148$96
4Mazda CX-3$1,156$96
5Toyota C-HR$1,164$97
6Kia Sportage$1,166$97
7Ford Edge$1,172$98
8Volkswagen Golf$1,174$98
9Mazda CX-5$1,188$99
10Subaru Crosstrek$1,198$100
11Chevrolet Spark$1,212$101
12Volvo XC40$1,216$101
13Hyundai Venue$1,222$102
14Volkswagen Atlas$1,232$103
15Hyundai Kona$1,236$103
16Subaru Impreza$1,236$103
17Kia Soul$1,238$103
18Toyota Tacoma$1,240$103
19Kia Telluride$1,244$104
20Subaru Outback$1,246$104
21Chevrolet Blazer$1,248$104
22Jeep Compass$1,248$104
23Kia Sedona$1,250$104
24Mazda CX-30$1,250$104
25Chevrolet Colorado$1,252$104
26Kia Rio5$1,252$104
27Ford Escape$1,254$105
28Honda Passport$1,254$105
29Nissan Kicks$1,254$105
30Mitsubishi Eclipse Cross$1,256$105
31Subaru Ascent$1,256$105
32Hyundai Tucson$1,258$105
33Volkswagen Tiguan$1,266$106
34Nissan Frontier$1,268$106
35Acura RDX$1,270$106
36Honda Pilot$1,274$106
37Ford Ecosport$1,278$107
38Toyota Corolla$1,278$107
39Buick Envision$1,286$107
40Kia Seltos$1,292$108
41Nissan Rogue Sport$1,298$108
42Chevrolet Trax$1,306$109
43Chevrolet Trailblazer$1,308$109
44Cadillac XT4$1,314$110
45Buick Encore$1,318$110
46Chevrolet Express$1,322$110
47Nissan Rogue$1,322$110
48Jeep Renegade$1,326$111
49Chevrolet Equinox$1,328$111
50Nissan Murano$1,328$111
51Nissan NV$1,328$111
52Ford Transit Connect$1,340$112
53Chrysler Pacifica$1,344$112
54Fiat 500X$1,346$112
55Mazda MX-5 Miata$1,350$113
56GMC Savana$1,352$113
57Hyundai Palisade$1,358$113
58Ford Ranger$1,364$114
59Mazda 6$1,364$114
60GMC Terrain$1,368$114
61Honda Insight$1,372$114
62Jeep Gladiator$1,372$114
63Acura ILX$1,374$115
64Honda Civic$1,380$115
65Subaru Legacy$1,380$115
66Honda HR-V$1,386$116
67Volvo V60$1,388$116
68Acura MDX$1,390$116
69Cadillac XT5$1,390$116
70Ford F150$1,402$117
71Kia Rio$1,402$117
72Toyota 4Runner$1,402$117
73Mazda 3$1,406$117
74Ram Promaster$1,406$117
75Lexus NX 300$1,408$117
76Volkswagen ID4$1,408$117
77Volvo XC60$1,408$117
78Honda Ridgeline$1,414$118
79Kia Niro$1,414$118
80Volvo XC90$1,414$118
81Toyota RAV4$1,416$118
82Buick Enclave$1,418$118
83Honda Accord$1,418$118
84Lincoln Nautilus$1,418$118
85Kia Sorento$1,422$119
86Toyota Sienna$1,430$119
87Volkswagen Passat$1,430$119
88Kia Forte$1,438$120
89GMC Sierra$1,440$120
90Mercedes-Benz A220$1,440$120
91Mini Cooper Countryman$1,440$120
92Chevrolet Malibu$1,442$120
93Honda Odyssey$1,448$121
94GMC Canyon$1,450$121
95Lexus UX 250H$1,454$121
96Toyota Sequoia$1,454$121
97Ford Explorer$1,456$121
98Nissan Sentra$1,456$121
99Toyota Prius$1,460$122
100Toyota Tundra$1,462$122

    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.
    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.