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Car Insurance in Texas for 2026

Texas insurance rates aren't one-size-fits-all—they vary by location and insurer, whether you're navigating Dallas/Fort Worth traffic or Houston's I-10 corridor. The Swiftest has already crunched the quote data across Texas's major metro areas, so you can compare options in minutes. No need to spend hours researching carriers or hand over your personal info on lead-gen sites.

State texas
by Katherine Blodgett
Reviewed by 
Licensed Property & Casualty Insurance Agent
Last updated September 2026
Table of contents

Texas Car Insurance at a Glance

  • Average Full-Coverage Cost: Approximately $177/month or $2,119/year
  • Average Cost for Basic Coverage: Approximately $60/month or $718/year
  • Cheapest Option We Found: Texas Farm Bureau, averaging $117/month
  • Texas’ Minimum Required Coverage: $30,000 for injuries per person, $60,000 total per accident, and $25,000 for property damage
  • Benchmark Driver: A 30-year-old woman with good credit and a clean driving record pays an average of $177/month

How Much Does Car Insurance Cost in Texas?

Texas drivers pay about $177 /month for full coverage, according to The Swiftest's data—10% below the August 2026 national average of $196/month (or $2,356/year) for a driver with a clean record and good credit.

Car insurance in Texas in 2026 is an average of $177/month for full coverage and $59/month for minimum liability coverage. An individual driver’s quote can vary due to multiple factors, including their location, driving record, credit history, age and gender, vehicle type, coverage level and deductible, and discounts.

Based on the Texas quotes we analyzed, a typical driver can expect to pay around:

CoverageAverage Monthly QuoteAverage Annual Quote
Full Coverage$176.56$2,118.70
Liability Only$59.82$717.78

These figures are derived from insurer, location, full-coverage, and liability-only quotes for a 30-year-old female driver with good credit and a clean record.

Car Insurance Rates by Texas City

Where you live is one of the main factors that affect Texas car insurance premiums. Location influences insurance pricing because insurers evaluate local claim patterns, traffic, theft, repair costs, and other geographic risks.

CityAvg. Monthly Full CoverageVariance From Dataset Avg.
Balch Springs$218.75+23.9%
Hutchins$214.88+21.7%
Mesquite$214.17+21.3%
Van Horn$146.50-17.0%
Fort Hancock$147.00-16.7%
Andrews$147.75-16.3%

How Your Profile Impacts Car Insurance Rates in Texas

Although the Texas statewide benchmark is in place, it’s only a starting point and can’t predict what you’ll actually pay if you’re responsible for a collision. The statewide benchmark is pulled from different driver profiles, coverage levels, and locations. Your vehicle and credit history will also influence your rate, making it necessary to obtain personal quotes.

To keep our Texas comparison consistent, we analyzed quotes for a 30-year-old female driver with good credit and a clean driving record.

Full Coverage vs. Liability-Only Coverage in Texas

Comparing Texas car insurance isn't just about comparing "cheap vs. expensive." It's important to understand what you're actually paying for. Liability coverage generally pays for injuries or property damage you cause to others, but it doesn't cover the cost of your vehicle. Collision and comprehensive coverage add that protection, covering damage to your car from accidents, theft, and weather.

If you're still financing or leasing your vehicle, your lender will likely require you to carry collision and comprehensive coverage. So while liability-only coverage is cheaper, it isn't automatically the "right" choice—it may not even be an option if you owe money on your car, and even if it is, going with the lowest-cost coverage can leave you paying out of pocket for your own vehicle after an accident.

CoverageAvg. MonthlyAvg. Annual
Liability Only$59.82$717.78
Full Coverage$176.56$2,118.70

Full coverage costs approximately $116.74 more per month, or about $1,401 more per year.

Texas Car Insurance Requirements: What You Need to Know

Minimum Car Insurance Required in Texas

Texas minimum liability insurance: 30/60/25

  • $30,000 bodily injury liability per injured person
  • $60,000 total bodily injury liability per accident
  • $25,000 property damage liability per accident

Texas Department of Insurance identifies these as the state’s minimum liability limits.

The legal minimum isn't always enough. In a serious or multi-vehicle accident, minimum limits can fall short, leaving you on the hook for damages your policy doesn't fully cover.

How to Compare Car Insurance in Texas with SwiftScore™

We make it simple to compare car insurance in Texas using our proprietary SwiftScore™ rating system.

How Does The Swiftest Work?

The Swiftest gives you a faster path from research to action.

1

Explore

Skip the confusing jargon and dozens of open tabs. Enter a few basic details, and we’ll swiftly fetch your top policy options.
2

Compare

Our comparison tables provide multiple options from top providers. We use SwiftScore™, our proprietary rating system, to rank companies based on price, value, and customer happiness so you can easily spot the winner.
3

Apply

Once you find the perfect fit, you can easily apply for your policy directly with the provider. No pushy brokers, and we never sell your phone number to spammers.

The Swiftest takes a privacy-first approach and never sells our customers' data to third parties.

Ready to compare car insurance in Texas? Use SwiftScore™ to cut through the noise, compare top-rated options, and find coverage that fits your needs without the usual lead-generation hassle.

FAQs About Car Insurance in Texas

Texas Farm Bureau has the lowest average full-coverage quote among the broadly represented carriers in The Swiftest’s uploaded Texas dataset at approximately $117/month. The cheapest insurer varies by driver, which is why we recommend considering coverage and service quality alongside price.

Based on The Swiftest’s quote dataset, full coverage averages approximately $177/month($2,119/year) for the benchmark driver, while liability-only coverage averages approximately $60/month ($718/year).

State benchmark profile: 30-year-old female, Good credit, clean driving record.

All licensed drivers in Texas are required to have 30/60/25 liability coverage. 30/60/25 breaks down as:

  • $30,000 in bodily injury liability coverage per person, per accident
  • $60,000 in total bodily injury liability coverage per accident (across everyone injured)
  • $25,000 in property damage liability coverage per accident

These are legal minimums and are not necessarily adequate coverage. A severe accident involving serious injuries or a newer vehicle can exceed these limits, leaving the at-fault driver responsible for the difference.

No. Texas is an at-fault state. The driver responsible for a collision is financially liable for the damages, including medical bills, property damage, lost wages, and pain and suffering. Injured parties can file a claim against the at-fault driver’s insurance or file a lawsuit.

Texas Personal Injury Protection (PIP) is optional, first-party coverage that pays your medical bills and lost income quickly after an accident, regardless of fault, but it shouldn't be confused with a no-fault insurance system, since the at-fault driver is still the one who has to pay.

Yes, TxDMV requires proof of current liability insurance for registration or renewal. You must provide valid proof of liability coverage when applying for auto insurance.

Liability-only policies generally cost less because they provide less protection than full coverage. Based on our Texas quote data, liability-only averages approximately $60/month, versus about $177/month for full coverage. Minimum liability may not be sufficient for every driver because the limits haven’t kept pace with the actual cost of collisions. Minimum liability coverage doesn’t always cover the full cost of serious injury claims, multi-vehicle accidents, high-value vehicles, and asset exposure.

Yes, insurers in Texas can use credit-based insurance information as one factor in pricing, but the effect varies by company and driver.

You can lower your car insurance premiums by comparing multiple insurers, maintaining a clean driving record, reviewing deductibles and coverage levels, asking about eligible discounts, bundling where appropriate, and re-shopping periodically rather than assuming your current carrier remains the cheapest option.

No. The Swiftest has a privacy-first approach and does not sell customer data to third parties.

To keep The Swiftest a free online resource, we may receive advertising/referral fees when you buy a pet insurance policy through links on this page. Our extensive, unbiased research of each insurance provider, and how they compare against each other also influences the rankings. We do not feature every insurance product on the market, rather we only showcase the most trusted insurance providers. Listings on this page do not imply endorsement. Learn more on our Terms of Service page.

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