If you want to drive (legally), you need car insurance. Purchasing car insurance policies are inevitable for all car owners, as car insurance is mandatory.

Paying for car insurance on top of the cost of a new car can get expensive. But does location impact price? In the United States, there are a lot of factors that affect the cost of car insurance. 

One factor that can have a big impact on how much you end up paying for car insurance is where you live. Rates can vary widely from state to state. In fact, some states have rates that are $1,000s higher than other states.

In this article, we’ll look at how much is car insurance in Texas. Do residents of the Lone Star state pay more or less than the national average? And exactly how much can you expect to pay for insurance there? 

Read on to find out!

How Much Is Car Insurance In Texas?

The answer to that question can be quite complicated. That is because certain factors will affect how much car insurance premiums get in the state of Texas. 

But to give you an idea, the average cost of car insurance premiums in the state of Texas in 2021 ranges from $1,823 to $2,330 per year. Texas’ car insurance coverage is higher than the national average, at the cost of $1,483 per year. 

If you are planning to have only minimum coverage, then the average rate of car insurance in Texas in 2021 ranges between $524 to $633 per year. The amount of car insurance coverage you choose to have will affect your insurance rates. 

On the other hand, the average cost of car insurance premiums in the state of Texas in 2021 ranges from $1,607 to $1,823 for full coverage. 

Car Insurance Companies

The car insurance provider is another factor that affects how much car insurance premiums you will pay in Texas. 

The car insurance company that offers the cheapest rates for the minimum coverage is Geico; their premiums per year are only $391 for minimum coverage. 

On the other hand, the most expensive car insurance minimum coverage comes from Colonial Cnty Mutual Insurance Co. Their car insurance premiums cost $735 per year for minimum coverage. 

The cheapest full coverage car insurance also comes from Geico, which is only $1,339 per year. Meanwhile, the most expensive full coverage for car insurance comes from Kemper, which is $3,129. 

These rates can change often so be sure to get quotes from these companies to see what their most recent rates are.


Another thing that will affect the car insurance rates in Texas is your age. The cheapest car insurance rates in Texas are premiums for drivers in their 50s.

Their yearly premiums are only $1,500.38 on average. Much like with most states, the younger the driver, the more expensive the premiums. For example, the car insurance premiums for 17 years old is $6,566.93 per year, while for 30 years old, it is only $1,746.39. 

Driving History

Another factor that affects car insurance premiums in Texas is driving record. The average annual premium for drivers who had an at-fault accident is $677.27. Meanwhile, car insurance rates increase to $838.85 per year if the driver is ticketed with a DUI.

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