Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Compare car insurance in Texas

Get the cheapest car insurance in Texas for 2021

The average annual cost of car insurance in Texas is $1,500. Narrow down car insurers offering coverage in Texas by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
AZ, CO, IL, IN, MD, MO, OK, OH, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.

Compare up to 4 providers

If you plan to drive in Texas, you’ll need to carry a minimum level of liability coverage. Shopping around may allow you to find insurance cheaper than Texas’s average annual car insurance cost of around $1,500.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

It’s no surpise you’ll see most of the big name car insurance companies rank top of the list for the most popular Texas insurance companies.

CompanyDirect premiums written (billions)Market share
State Farm$3,399,13115.0%
Liberty Mutual$1,180,9835.2%
Texas Farm Bureau$739,3593.3%
Consumers County Mutual$578,6662.6%

Average car insurance costs in Texas

The average driver in Texas pays something in the neighborhood of $1,500 annually. This is slightly above the state average of $1,250 and quite a bit more than the cheapest state in the country — that’s Maine, with average annual costs hovering around $900. But when you compare Texas to Michigan, where annual car insurance costs routinely top $2,200, you might start to feel like Texas’s rates aren’t such a bad deal.

Where is car insurance most expensive? In big cities like Houston, San Antonio, Dallas and Austin you’re likely to pay more for your car insurance premiums. Big cities tend to expose you to a higher risk for car accidents, vandalism and theft, so you’ll pay more for insurers to cover you. You’re likely to find lower insurance rates in small towns and rural areas of the state.

Which city has the cheapest car insurance in Texas?

Of Texas’s largest cities, Keller has the cheapest rates and Houston has the most expensive car insurance rates. Houston drivers could face rates 3 times more than Keller drivers.

Car insurance quotes in El Paso

CompanyAnnual car insurance rate
State Auto$3405

Car insurance quotes in Houston

CompanyAnnual car insurance rate
State Auto$4165

Car insurance quotes in Katy

CompanyAnnual car insurance rate
State Auto$3815

Car insurance quotes in Keller

CompanyAnnual car insurance rate
State Auto$3458

State minimum car insurance in Texas

Always the maverick, you need only liability insurance to legally drive on the wide-open roads in Texas. But your liability insurance must meet state requirements:

  • $30,000 for each injured person
  • $60,000 for injuries per incident
  • $25,000 for property damage

How does personal injury protection (PIP) work in Texas?

PIP isn’t required for Texas drivers. You can choose from $2,500 up to $10,00 per person in coverage. PIP coverage in Texas covers 100% of medical expenses and funeral costs and up to 80% in lost income and related expenses such as childcare, house cleaning or yard work.

When you file a claim for PIP coverage, you’ll file through your own insurance as your primary coverage, regardless of who caused the accident. You might be asked to provide proof of these expenses when you make your claim.

Can I get SR-22 insurance in Texas?

Yes. You might need to file for an SR-22 in Texas if you’ve had a DUI conviction, are caught driving without insurance or accumulate too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

Bottom line

Car insurance is designed to protect you, your passengers and your vehicle against bumps in the road. Unlike other states, Texas requires only minimum liability coverage to legally drive its expansive roads. But with so much scenery to take in from the state’s nearly 700,000 miles of highway, you might want the broader protection of comprehensive and other optional coverage to protect against the unexpected. (The state’s not part of Tornado Alley for nothin’.)

To learn more about how you can stop paying too much for coverage, read our comprehensive guide to car insurance.

Frequently asked questions

More guides on Finder

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site