How much does car insurance cost in my area in Texas?


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UPDATED: 2020-03-30T18:50:43.648Z
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A road in Texas leading to Big Bend National Park.

Texans pay more on average for car insurance premiums than drivers in some other states. However, it might surprise some Texans to learn that Texas isn’t even in the top 10 of states with high car insurance costs. Average car insurance costs within Texas can vary a lot, with high rates in some areas, typically in urban areas, and lower rates in others (more rural).

How much is car insurance in Texas?

The following table shows how the average annual cost of a premium from 20 cities, towns, and neighborhoods from across Texas can vary.

Town in Texas Average Annual Car Insurance Premium
Knickerbocker $1,211
Sheppard Air Force Base $1,216
Goodfellow Air Force Base $1,218
San Angelo $1,221
Burkburnett $1,224
Veribest $1,225
Little River Academy $1,235
Belton $1,235
Water Valley $1,235
Harker Heights $1,236
Stafford $1,664
Santa Elena $1,667
Dallas $1,670
McAllen $1,672
Hufsmith $1,676
Galena Park $1,685
Houston $1,686
Linn $1,699
North Houston $1,711
Weslaco $1,714

These rates are based on a driver profile of a 35-year-old single adult with 100/300/50 liability limits in addition to full coverage with $500 deductibles for collision and comprehensive, a good credit score, and one driving violation in the last three years. These rates are provided by Quadrant Information Services.

The average annual car insurance premium in Texas is $1,426. As the table shows, there are many areas in Texas that have average car insurance premiums above the state average, and there could be more as well.

Texas is a geographically large state, people there depend on their vehicles and drive a lot. More cars on the road and more miles driven mean a greater risk for accidents, which is why many Texans are paying large sums in annual premiums.

How do I get cheap car insurance in Texas?

If you are willing to invest some time in your search, there ways to find cheaper rates on car insurance in Texas. Below are some ideas and tips to help you as you look for the best and cheapest rates for car insurance premiums in Texas.

Do your homework on insurance in Texas: This is absolutely an essential step if you’re hoping to reduce your premium cost. The best way to find low rates is to investigate what average rates are in your area and then check if any insurers offer lower rates. Yes, it takes time, but it’s worth it if you can find an insurer that offers a substantially lower premium quote. Get at least 3 quotes from leading car insurance providers to get the best rate. You can check out leading insurance providers in your zip code for 2020 on Clearsurance's best car insurance rankings.

Examine all of your options for insurance in Texas: Ask friends and neighbors for their insurance recommendations, research online options, and check quotes from national, state, and regional insurers. Additionally, you can check out the best and cheapest insurance in Texas based on consumer ratings at Clearsurance.

Check if you’re eligible for discounts on your insurance in Texas: Insurers encourage people to have multiple policies through one company. To make it more attractive to the consumer, insurers will reduce rates for customers with multiple policies. This is called “bundling.” If you have separate carriers for your home and auto policies, give each of them a call and see if there are any discounts if you consolidate your policies through a single insurer.

Be a good insurance customer: For the best rates, pay your premiums on time and in full, and be a good driver in Texas.

Pay attention to your credit score: Did you know that your credit score can affect the rates you are quoted for car insurance? Although a handful of states including California, Massachusetts, and Hawaii, prohibit insurers from considering credit scores when determining car insurance premium rates, most states allow for this practice, including Texas. Improving your credit score might take time, but it will likely result in lower car insurance rates.

Consider increasing your deductible: When you first got your car policy in Texas, maybe you were making less money and selected a low deductible. If your financial picture has improved, you might want to consider increasing your deductible to lower your insurance premiums. Carefully consider how much you could comfortably pay out of your own pocket and base your insurance deductible amount with that in mind.

Investigate rates before you buy: Car insurance premiums can vary based on the type of vehicle you purchase. If you’re looking to buy a new car or truck and have narrowed your selection to a few options, call your car insurance carrier to understand the differences in the rates that you would be paying.

If you’re in the military: Texas has a sizable military population, with the second-highest number of active-duty military state residents in the country (surpassed only by California). USAA (USAA profile | USAA articles) offers insurance to members of the military. Don’t overlook this as an option if you qualify.

Getting the cheapest car insurance in Texas will take some effort on your part. However, if you can save money, that is time well-spent. It’s important to keep in mind that the best insurance is when you have the coverage you need with a company that you’re happy with. Consider reading some of the reviews others have left about their experience with insurance carriers on our website.

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