Texas Car Insurance Cost for 2022

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 $1,436 per year, which is the equivalent of $120 per month.
  • Cheaper vehicles to insure in Texas include models like the Subaru Crosstrek, the Honda Passport, the Mazda CX-5, and the Chevrolet Colorado.
  • Where you live in Texas can affect rates significantly. For example, average rates in Austin are $1,386 while in Houston they are $1,618.

How much does car insurance cost in Texas?

Average car insurance cost in Texas is $1,436 per year, which is 7.4% less than the national average rate of $1,551. The average cost of car insurance in Texas per month is $120.

Car insurance cost for some of the more popular cars and trucks in Texas include the Toyota Camry at an average of $1,412 per year, the Ford F150 at $1,388, the Nissan Altima at $1,606, and the Chevrolet Silverado at $1,542 per year.

Other popular vehicles and their average car insurance rates include the Toyota Corolla at $1,412 per year, the Honda Accord at $1,500, the Honda Civic at $1,422, and the Nissan Sentra with an average cost of $1,400 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 2022 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 May 19, 2022
Average Car Insurance Cost in Texas
Average Car Insurance Cost in Texas
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,418$202
$500$2,846$237
$250$3,300$275
30$1,000$1,268$106
$500$1,508$126
$250$1,760$147
40$1,000$1,216$101
$500$1,436$120
$250$1,666$139
50$1,000$1,106$92
$500$1,306$109
$250$1,512$126
60$1,000$1,086$91
$500$1,280$107
$250$1,484$124

The average cost of car insurance in Texas in the chart above ranges from $1,086 per year for a 60-year-old driver with a high deductible policy to $3,300 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 $91 to $275 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 $3,604 per year for a 19-year-old female driver up to $5,140 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 Mazda CX-5, Chevrolet Trailblazer, Nissan Kicks, and Toyota C-HR all have cheap insurance rates.

Texas drivers like their full-size pickup trucks, and the Ford F150, GMC Sierra, and Nissan Titan are the cheapest to insure in Texas. Average insurance rates for those three trucks are $1,388, $1,464, and $1,516 per year, respectively.

Other models that rank well for car insurance cost in Texas include the Nissan Rogue Sport at an average annual cost of $1,196, the Hyundai Venue at $1,220, and the Buick Envision at $1,220 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 $1,412 per year, or around $118 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
1Mazda CX-5$1,092$91
2Nissan Kicks$1,120$93
3Chevrolet Trailblazer$1,126$94
4Honda Passport$1,152$96
5Subaru Crosstrek$1,152$96
6Chevrolet Colorado$1,178$98
7Buick Encore$1,186$99
8Toyota C-HR$1,188$99
9Nissan Rogue Sport$1,196$100
10Buick Envision$1,220$102
11Hyundai Venue$1,220$102
12Kia Seltos$1,224$102
13Ford Maverick$1,228$102
14Acura RDX$1,230$103
15Subaru Ascent$1,232$103
16Toyota Corolla Cross$1,232$103
17Subaru Forester$1,242$104
18Hyundai Kona$1,244$104
19Mazda MX-5 Miata$1,244$104
20Subaru Impreza$1,244$104
21Volkswagen Tiguan$1,246$104
22Chevrolet Spark$1,250$104
23Honda CR-V$1,256$105
24Cadillac XT4$1,260$105
25Mazda CX-30$1,268$106
26Ford Ranger$1,276$106
27Honda HR-V$1,290$108
28Ford Edge$1,292$108
29Ford Ecosport$1,302$109
30Chevrolet Trax$1,316$110
31Subaru Outback$1,316$110
32Acura ILX$1,322$110
33GMC Terrain$1,322$110
34Mitsubishi Eclipse Cross$1,326$111
35Nissan Murano$1,332$111
36Toyota Tacoma$1,332$111
37Hyundai Tucson$1,336$111
38Honda Odyssey$1,338$112
39Chevrolet Bolt$1,340$112
40Toyota Venza$1,340$112
41Chevrolet Equinox$1,342$112
42Ford Explorer$1,348$112
43Volkswagen Taos$1,348$112
44Fiat 500X$1,350$113
45Toyota RAV4$1,356$113
46Kia Sorento$1,360$113
47Kia Soul$1,360$113
48Nissan Frontier$1,366$114
49GMC Canyon$1,374$115
50Hyundai Palisade$1,376$115
51Hyundai Santa Cruz$1,380$115
52Volkswagen Golf$1,380$115
53Volvo XC40$1,380$115
54Mazda MX-30$1,384$115
55Volkswagen Atlas$1,386$116
56Ford F150$1,388$116
57Jeep Compass$1,390$116
58Subaru Legacy$1,390$116
59Kia Niro$1,392$116
60Honda Insight$1,396$116
61Volkswagen Jetta$1,396$116
62Honda Ridgeline$1,398$117
63Nissan Sentra$1,400$117
64Toyota 4Runner$1,400$117
65Nissan Rogue$1,406$117
66Kia K5$1,410$118
67Mercedes-Benz A220$1,410$118
68Cadillac XT5$1,412$118
69Ford Escape$1,412$118
70Jeep Gladiator$1,412$118
71Toyota Camry$1,412$118
72Toyota Corolla$1,412$118
73Kia Rio$1,416$118
74Volkswagen Passat$1,418$118
75Honda Civic$1,422$119
76Mazda 3$1,422$119
77Hyundai Ioniq 5$1,426$119
78Lexus NX 250$1,428$119
79Mini Cooper Clubman$1,428$119
80BMW X1$1,430$119
81Jeep Renegade$1,430$119
82Mazda 6$1,430$119
83Kia Sportage$1,436$120
84Toyota Prius$1,436$120
85Chrysler Pacifica$1,438$120
86Lexus NX 350h$1,438$120
87Lexus UX 250h$1,438$120
88Volkswagen Atlas Cross Sport$1,438$120
89Mazda CX-9$1,440$120
90Chevrolet Tahoe$1,442$120
91Ford Bronco$1,442$120
92GMC Acadia$1,442$120
93Toyota Highlander$1,444$120
94Nissan Pathfinder$1,452$121
95Honda Pilot$1,454$121
96Hyundai Accent$1,454$121
97Mitsubishi Outlander Sport$1,460$122
98GMC Sierra$1,464$122
99Lexus NX 350$1,464$122
100Volkswagen ID4$1,464$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.Data last updated on February 20, 2022
    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.