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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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.
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.