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.

Start QuoteCompare Texas car insurance rates and save on your next policy.

  • The average cost of full-coverage car insurance in Texas is around $1,638 per year, which is the equivalent of $137 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 $1,556 while in Houston they are $1,802.

How much does car insurance cost in Texas?

Average car insurance cost in Texas is $1,638 per year, which is 2.8% less than the national average rate of $1,685. The average cost of car insurance in Texas per month is $137.

Car insurance cost for some of the more popular cars and trucks in Texas include the Toyota Camry at an average of $1,556 per year, the Ford F150 at $1,664, the Nissan Altima at $1,748, and the Chevrolet Silverado at $1,792 per year.

Other popular vehicles and their average car insurance rates include the Toyota Corolla at $1,536 per year, the Honda Accord at $1,654, the Honda Civic at $1,604, and the Nissan Sentra with an average cost of $1,520 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 December 30, 2022
Average Car Insurance Cost in Texas
Average Car Insurance Cost in Texas
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,758$230
$500$3,258$272
$250$3,784$315
30$1,000$1,446$121
$500$1,726$144
$250$2,018$168
40$1,000$1,380$115
$500$1,638$137
$250$1,904$159
50$1,000$1,262$105
$500$1,492$124
$250$1,732$144
60$1,000$1,238$103
$500$1,464$122
$250$1,700$142

The average cost of car insurance in Texas in the chart above ranges from $1,238 per year for a 60-year-old driver with a high deductible policy to $3,784 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 $103 to $315 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 $4,126 per year for a 19-year-old female driver up to $5,866 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 $1,618, $1,664, and $1,720 per year, respectively.

Other models that rank well for car insurance cost in Texas include the Kia Seltos at an average annual cost of $1,326, the Subaru Ascent at $1,330, and the Hyundai Venue at $1,336 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 $1,556 per year, or around $130 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$1,238$103
2Subaru Crosstrek$1,248$104
3Nissan Kicks$1,254$105
4Honda Passport$1,270$106
5Nissan Rogue Sport$1,276$106
6Mazda CX-5$1,284$107
7Buick Encore$1,304$109
8Buick Envision$1,306$109
9Kia Seltos$1,326$111
10Subaru Ascent$1,330$111
11Hyundai Venue$1,336$111
12Subaru Impreza$1,356$113
13Ford Maverick$1,358$113
14Honda HR-V$1,360$113
15Chevrolet Colorado$1,362$114
16Acura RDX$1,364$114
17Hyundai Kona$1,372$114
18Subaru Forester$1,380$115
19Ford Edge$1,386$116
20Honda CR-V$1,386$116
21Mazda CX-30$1,392$116
22Ford Explorer$1,396$116
23Volkswagen Atlas$1,396$116
24Chevrolet Trax$1,406$117
25Nissan Murano$1,406$117
26Subaru Outback$1,408$117
27Nissan Frontier$1,414$118
28Volkswagen Tiguan$1,422$119
29Ford Bronco Sport$1,424$119
30Fiat 500X$1,450$121
31Ford Ranger$1,452$121
32GMC Terrain$1,454$121
33Kia Soul$1,456$121
34Mitsubishi Eclipse Cross$1,458$122
35Volkswagen Atlas Cross Sport$1,460$122
36Lexus RX 350$1,462$122
37Acura Integra$1,470$123
38Chevrolet Equinox$1,472$123
39Cadillac XT4$1,476$123
40Toyota Corolla Cross$1,478$123
41Volkswagen Taos$1,482$124
42GMC Canyon$1,486$124
43Toyota Venza$1,492$124
44Honda Odyssey$1,494$125
45Mazda CX-50$1,494$125
46Hyundai Tucson$1,496$125
47Toyota Tacoma$1,496$125
48Volkswagen Jetta$1,496$125
49Ford Escape$1,500$125
50Kia Sorento$1,502$125
51Volvo XC40$1,504$125
52Nissan Rogue$1,506$126
53Subaru Legacy$1,506$126
54Mazda MX-5 Miata$1,512$126
55Infiniti QX50$1,514$126
56Toyota RAV4$1,516$126
57Mazda MX-30$1,518$127
58Hyundai Palisade$1,520$127
59Hyundai Santa Cruz$1,520$127
60Kia Niro$1,520$127
61Nissan Sentra$1,520$127
62Mini Cooper$1,528$127
63Lexus UX 250h$1,530$128
64Toyota 4Runner$1,532$128
65Chevrolet Tahoe$1,534$128
66Jeep Compass$1,534$128
67Toyota Corolla$1,536$128
68Volkswagen Golf$1,538$128
69Toyota Prius$1,542$129
70Cadillac XT5$1,554$130
71Mini Cooper Clubman$1,554$130
72Toyota Camry$1,556$130
73GMC Acadia$1,560$130
74Chevrolet Traverse$1,562$130
75Mazda 3$1,570$131
76Honda Pilot$1,574$131
77Jeep Renegade$1,576$131
78Buick Enclave$1,578$132
79Kia K5$1,578$132
80Chevrolet Bolt$1,586$132
81Mercedes-Benz GLA250$1,586$132
82Nissan Pathfinder$1,590$133
83Toyota bz4X$1,590$133
84Cadillac XT6$1,592$133
85Chevrolet Malibu$1,592$133
86Mercedes-Benz GLB 250$1,592$133
87Mazda CX-9$1,594$133
88Chrysler 300$1,596$133
89Chrysler Pacifica$1,602$134
90Honda Civic$1,604$134
91Kia Forte$1,606$134
92Lexus NX 250$1,612$134
93Mitsubishi Mirage G4$1,614$135
94Mitsubishi Outlander Sport$1,618$135
95Nissan Titan$1,618$135
96Chevrolet Suburban$1,622$135
97Honda Ridgeline$1,624$135
98Kia Telluride$1,626$136
99Acura MDX$1,628$136
100Kia Sportage$1,632$136

    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 December 29, 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.