TexasAuto Insurance Rates & Guide (2026)
Average full-coverage premium in Texas: $1,842/year — ranked #14 most expensive state in the US.
Avg Annual Premium
$1,842
Minimum Coverage
$30K/$60K/$25K
Uninsured Driver Rate
14.1%
Average Rates by City in Texas
| City | Avg Annual Premium | vs State Average |
|---|---|---|
| Houston | $2,100/yr | +14.0% |
| Dallas | $1,920/yr | +4.2% |
| San Antonio | $1,680/yr | -8.8% |
Source: Rate estimates based on NAIC data and carrier filings, March 2026.
Texas Minimum Auto Insurance Requirements
Texas requires all drivers to carry minimum liability insurance of 30/60/25 (Bodily Injury per person / Bodily Injury per accident / Property Damage):
- •Bodily Injury (per person): $30K — covers injuries you cause to one person
- •Bodily Injury (per accident): $60K — total coverage for all injured persons in one accident
- •Property Damage: $25K — covers damage you cause to others' property
How to Get Cheaper Auto Insurance in Texas
Compare quotes from at least 5 insurers — rates can vary by $500–$1,500 for the same coverage
Bundle auto with homeowners or renters insurance for 10–20% savings
Ask about all available discounts: safe driver, good student, military, professional association
Consider a higher deductible ($1,000 vs $500) to lower your premium by 15–20%
Use telematics/usage-based programs if you're a safe, low-mileage driver
Maintain a clean driving record — even one ticket can increase rates 20–40%
Check your credit score — most states allow credit-based insurance scoring
Related Insurance Guides
Sarah Mitchell
Licensed Property & Casualty Agent
Sarah has over 12 years of experience in the insurance industry, holding active P&C and Life & Health licenses in 14 states. She previously worked as a senior underwriter at a Fortune 500 insurer before joining Cover Forge USA as lead content advisor.
Updated March 2026
Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.