Full Coverage Car Insurance in Texas
Numbers refreshed
Priced from the Texas averages, this bundles liability, collision and protection for non-collision damage.
- $160.the average monthly price for full coverage.
- 30/60/25.the minimum liability limits.
- 6th of 51.the most expensive state (1st = highest).
Full coverage prices in Texas
Full coverage adds collision and comprehensive to liability. Those two parts cost $1,024 a year in Texas, added to the $893 liability average.
| 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).
The point where full coverage stops paying off
While you still owe money on the car, lenders and lease companies require it.
After the car is paid off, weigh its value against the $1,024 a year that extra cover costs. Usually, going with liability only makes more sense when one bad year of premiums would pay for most of the car.
Full coverage for each car in Texas
These estimates come from IIHS-HLDI loss results and cover an adult with a clean record. The cheapest and dearest among the 40 models we price:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $1,244 | $104 |
| Honda Pilot | $1,249 | $104 |
| Subaru Outback | $1,348 | $112 |
| Toyota RAV4 | $1,433 | $119 |
| Mercedes-Benz C-Class | $2,618 | $218 |
| Chevrolet Camaro | $3,120 | $260 |
| Dodge Charger | $3,365 | $280 |
| Dodge Challenger | $3,588 | $299 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
More car insurance information for Texas
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