Popular QuestionsCommonly Asked Questions about Car Insurance in Texas

What is the average cost of car insurance in Texas? $1,506/yr

On average, Texas drivers pay approximately $1,506 a year (or $125 a month) for their car insurance. This is higher than the national average cost of $1,311 per year.  Shopping around for the best price has the potential to save you hundreds of dollars a year. 

As a vehicle owner in Texas, finding a competitively priced policy is easy when you work with a local independent insurance agent. These agents can obtain customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at an affordable price. 

What can Texas car insurance do for me?

Accidents can happen in the blink of an eye. If you are at fault, you can be held liable for the cost to repair other people’s damaged property as well as for the treatment of their injuries. Given the high cost of healthcare, an accident that involves injuries can be extremely expensive and could cause you a great deal of financial harm.

Car insurance in Texas includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that your Texas auto insurance may be able to help...

  • Fix your own car: We officially call this "comprehensive & collision insurance." Although these optional coverage types are not required by the state, they are nearly always required by lenders if you are still paying for your car and by dealerships if you are leasing it.
  • Fix someone else's car: We officially call this "property damage liability insurance." In Texas, your car insurance policy must include a minimum of $25,000 in property damage liability coverage.
  • Pay your medical bills: We officially call this "personal injury protection" or "PIP." This insurance can cover medical bills for you and your passengers if you are injured in a collision. It can also provide coverage for lost wages. In Texas, PIP must be included in all car insurance policies, but you have the option to decline it, provided you do so in writing.
  • Pay someone else's med bills: We officially call this "bodily injury liability insurance." In Texas, all car insurance policies must include a minimum of $30,000 per person / $60,000 per accident in bodily injury liability coverage.

You can also choose to include other coverage with your car insurance policy including such options as roadside assistance and towing and rental car reimbursement. Talk to your local insurance agent to learn more.

Who pays if the accident wasn’t my fault?

The driver who caused the accident is responsible for covering the cost of damage as well as any necessary medical treatments.

How many Texas drivers are uninsured? 14.1%

Even though it is mandatory to have car insurance in Texas, an estimated 14.1% of drivers in this state are operating uninsured vehicles. This can cause headaches for you if one of these uninsured drivers is responsible for a collision with your car.

The at-fault driver is responsible for covering your damage and any needed medical treatments; however, if the uninsured driver simply doesn’t have the money available, you may need to go through expensive and time-consuming lawsuits just to collect a fraction of what is due to you.

That is why uninsured motorist coverage can prove so beneficial. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or under-insured. Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver. 

In Texas, all car insurance companies must offer uninsured/underinsured motorist coverage. If you do not want it, you must state so in writing.

Are there any independent insurance agents in Texas?

Yes! There are currently 1,791 independent insurance agents located throughout the state of Texas. These agents are ready to help you find the best car insurance policy to meet your coverage and budgetary needs. Find an agent near you to get started.

What are the best car insurance companies in Texas?

The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.

InformationFind the Best Car Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1311 / year
  • National average car thefts per 1,000 - 2.29
  • National average time spent commuting - 25.4 min
CityAvg. Commute Time (Min)Theft Rate per 1,000 VehiclesAvg. Insurance Cost (Yearly)
Amarillo16.94.53$1,472
Arlington26.23.09$1,514
Austin22.72.61$1,396
Corpus Christi18.52.79$1,330
Dallas26.65.91$1,684
El Paso22.41.19$1,248
Fort Worth26.03.32$1,533
Garland27.03.45$1,566
Grand Prairie30.22.46$1,531
Houston26.55.09$1,605
Irving23.52.95$1,446
Laredo20.40.65$1,154
Lubbock15.84.15$1,412
Plano25.11.29$1,312
San Antonio23.63.96$1,549

Houston, TX, Car Insurance

The average monthly cost of car insurance in Houston is $134. Remember, this average only serves as a baseline. Your actual monthly cost could be higher or lower than this amount. Insurance companies will use factors such as your age, gender, and driving record as well as details about the vehicle you are insuring to calculate your personalized quote.

The city of Houston has one of the highest accident rates in the state. Whether you find yourself in a multi-vehicle collision on the 610 South Loop or you accidentally cause a fender bender in the parking lot of your local Kroger, a good car insurance policy can cover your costs once your deductible has been met.

By purchasing a policy that includes collision coverage, you can be sure that damage to your vehicle is covered, even if the accident is your own fault. Talk to an independent agent in Houston to learn more about how different coverage options can benefit you.

San Antonio, TX, Car Insurance

The average monthly cost of auto insurance in San Antonio is $129. When calculating your actual rate, insurance companies will take several factors into account details about your vehicle, such as its make, model, and year, and information about you, including your age, driving record, and sometimes even your credit score. Because of this, your monthly cost could be significantly higher or lower than the city’s average.

While the intersection of Interstate 35 and Highway 90 is considered one of the most hazardous in San Antonio, accidents can happen just about anywhere. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not have to worry about a accident costing you a lot of money. As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if you are at fault for the accident.

Talk to a local independent insurance agent to learn more about how your various coverage options.

Dallas, TX, Car Insurance

On average, drivers in Dallas pay $140 a month for their insurance. Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a variety of factors such as your driving history and details about the vehicle(s) you wish to insure. Let an independent insurance help you review a variety of customized car insurance quotes so you can find the policy that offers you the best value.

Drivers in Dallas tend to spend a lot of time on the road. Whether this is due to long commutes to work or frequent drives to local entertainment venues, you put yourself at risk of an accident any time you get behind the wheel. Fortunately, when you have a good car insurance policy, you do not need to worry that an accident will cause you unnecessary financial harm.

Find out more about what car insurance can do for you by speaking with one of the many experienced independent agents in the Dallas metropolitan area.

Austin, TX, Car Insurance

The average monthly cost of auto insurance in Austin is $116. Because your car insurance rates are customized according to your personal details and the type of car you are insuring, your actual monthly cost could be considerably higher or lower than this amount. Drivers with a safe driving history tend to pay a lot less than new drivers or those with moving violations or accidents in their recent history.

Many car accidents in Austin involve injuries to pedestrians. That is why having a significant amount of bodily injury liability insurance is so important. If you carry only the state minimum required coverage, an injured pedestrian’s medical bills could far exceed what your insurance can cover. In that case, you would be expected to make up the difference out of pocket.

A local independent agent can help you review costs for varying levels of liability insurance so you can determine how much coverage you can reasonably afford. Talk to an agent near you to learn more.

Fort Worth, TX, Car Insurance

The average monthly cost of car insurance in Fort Worth is $128. However, you should take this average with a grain of salt. Your actual monthly cost could be higher or lower than this, since your rate is completely personalized according to factors such as your driving history, vehicle information, deductible amount, and more.

Heavy rains can sometimes bring flash flooding to the area. When this happens, cars can be washed away or damaged beyond repair. Fortunately, If your auto policy includes comprehensive insurance, you can be reimbursed for the value of your car. Comprehensive insurance can also cover against other risks like auto theft, vandalism, and wind damage.

Consult an independent insurance agent in Fort Worth to discover how much it will cost you to include comprehensive coverage in your car insurance policy.