Average Car Insurance Cost in Texas
Figures last updated
NAIC averages for Texas, listed by coverage, each with its national rank.
- $1,917. That's the yearly average for full coverage.
- 30/60/25. The minimum liability limits.
- 6th of 51most expensive state (1st = highest)
Texas average cost by coverage
Full coverage costs $1,917 a year on average in Texas. The US average is $1,613 a year, and Texas is 19% more than that.
Average spending per insured car rose from $1,429 in 2023 to $1,578 in 2024, an increase of 10.5%.
| Coverage in Texas | Per year | Per month |
|---|---|---|
| Liability | $893 | $74 |
| Collision | $569 | $47 |
| Comprehensive | $455 | $38 |
| Full coverage (all three) | $1,917 | $160 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Texas compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| New York | 3rd | $2,150 | $179 |
| District of Columbia | 4th | $1,986 | $166 |
| Georgia | 5th | $1,973 | $164 |
| Texas | 6th | $1,917 | $160 |
| New Jersey | 7th | $1,878 | $157 |
| Nevada | 8th | $1,866 | $155 |
| Rhode Island | 9th | $1,850 | $154 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Your number
Every age and record goes into these averages. The Texas calculator adjusts for your own.
It was first written .