Auto insurance in Texas averages $2,060/year per year, but rates vary widely by city and driving record. Compare free quotes from top insurers serving Houston, Dallas, San Antonio and all of Texas β no personal info required to browse.
| Insurer | Avg. Annual Rate | Best For | AM Best Rating | Available in TX |
|---|---|---|---|---|
| π GEICO Lowest Rates | ~$1,200/yr | Budget drivers | A++ | β Yes |
| State Farm | ~$1,480/yr | Good drivers | A++ | β Yes |
| β Progressive High-Risk Drivers | ~$1,610/yr | SR-22 / DUI | A+ | β Yes |
| Allstate | ~$1,900/yr | Full coverage | A+ | β Yes |
| USAA | ~$1,100/yr | Military families | A++ | β Yes |
| Travelers | ~$1,350/yr | Multi-policy | A++ | β Yes |
Texas requires 30/60/25 minimum liability. Uninsured motorist coverage optional.
We analyze APR, fees, loan amounts, and availability specifically for Texas residents. All comparisons are updated monthly.
Browsing and comparing options on TrueRateGuide does not impact your credit score. We use soft pulls only during pre-qualification.
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Our Texas data is refreshed every month to reflect current rates, offers, and lender availability in your state.
The average cost of auto insurance in Texas is $2,060/year. Rates vary based on your city, driving record, vehicle, and coverage level. Urban areas like Houston tend to have higher rates.
Texas requires 30/60/25 minimum liability. Uninsured motorist coverage optional.
In Texas, you can lower your auto insurance rate by bundling with home insurance (saves 10β25%), maintaining a clean driving record, raising your deductible, and comparing quotes from multiple insurers annually.
Texas requires 30/60/25 minimum liability. Uninsured motorist coverage optional. Comparing quotes from multiple insurers is the best way to ensure you get the required coverage at the lowest price.