Texas Auto Insurance
County-by-County Rate Intelligence
Based on first-party policy service records from our brokerage. These are real monthly premium outcomes, grouped by county and ZIP code — not public filings or generic estimates.
Data: 43 policies • 21 Texas counties • 34 ZIP codes
Texas Carrier Distribution (All Counties)
Quick Stats
Avg monthly premium$231.52/mo
Annual premium$2,778
Lowest observed rate$11.91/mo
Highest observed rate$1,520.50/mo
Coverage Mix
Liability only27.9%
Full coverage18.6%
Non owners39.5%
Most Quoted Insurance Companies
Carrier counts in this dataset
Progressive (21), Dairyland (14), ePremium (3), Mendota (2), Bristol West (2), Geico (1)
information read: sold policy service records (monthly premium) grouped by county, ZIP code, coverage type, and insurance companies.
Texas Auto Insurance Rates by County
Harris County Auto Insurance Rates
5 PoliciesAvg Monthly Premium
$174.97
All drivers, all coverages
Annual Premium
$2,100
Avg across insurance companies
Liability Only Avg
$224.70/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread
$84.90/mo — $250.73/mo | 195.3% gap
📊 Policy volume in Harris County
5
Total policies
5
ZIP codes
Coverage Breakdown
Liability only40.0%
Full coverage0.0%
Non owners60.0%
Rate Distribution
Lowest observed rate$84.90/mo
Highest observed rate$250.73/mo
Spread percentage195.3%
Most Quoted Carriers
Top insurance companiesDairyland, Bristol West, Progressive
Bell County Auto Insurance Rates
4 PoliciesAvg Monthly Premium
$195.73
All drivers, all coverages
Annual Premium
$2,349
Avg across insurance companies
Liability Only Avg
$249.80/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread
$67.32/mo — $440.69/mo | 554.7% gap
📊 Policy volume in Bell County
4
Total policies
4
ZIP codes
Coverage Breakdown
Liability only50.0%
Full coverage0.0%
Non owners25.0%
Rate Distribution
Lowest observed rate$67.32/mo
Highest observed rate$440.69/mo
Spread percentage554.7%
Most Quoted Carriers
Top insurance companiesProgressive, Dairyland, ePremium
Hunt County Auto Insurance Rates
4 PoliciesAvg Monthly Premium
$239.45
All drivers, all coverages
Annual Premium
$2,873
Avg across insurance companies
Liability Only Avg
$159.90/mo
State minimum coverage
Full Coverage Avg
$216.23/mo
Comp + collision included
⚡ Price Spread
$79.90/mo — $599.90/mo | 650.8% gap
📊 Policy volume in Hunt County
4
Total policies
4
ZIP codes
Coverage Breakdown
Liability only25.0%
Full coverage25.0%
Non owners50.0%
Rate Distribution
Lowest observed rate$79.90/mo
Highest observed rate$599.90/mo
Spread percentage650.8%
Most Quoted Carriers
Top insurance companiesProgressive, Dairyland
Hays County Auto Insurance Rates
3 PoliciesAvg Monthly Premium
$115.74
All drivers, all coverages
Annual Premium
$1,389
Avg across insurance companies
Liability Only Avg
$91.99/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread
$64.99/mo — $190.99/mo | 193.9% gap
📊 Policy volume in Hays County
3
Total policies
3
ZIP codes
Coverage Breakdown
Liability only33.3%
Full coverage0.0%
Non owners66.7%
Rate Distribution
Lowest observed rate$64.99/mo
Highest observed rate$190.99/mo
Spread percentage193.9%
Most Quoted Carriers
Top insurance companiesProgressive, Dairyland
Collin County Auto Insurance Rates
3 PoliciesAvg Monthly Premium
$84.61
All drivers, all coverages
Annual Premium
$1,015
Avg across insurance companies
Liability Only Avg
$84.61/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread
$67.43/mo — $106.39/mo | 57.8% gap
📊 Policy volume in Collin County
3
Total policies
3
ZIP codes
Coverage Breakdown
Liability only33.3%
Full coverage0.0%
Non owners66.7%
Rate Distribution
Lowest observed rate$67.43/mo
Highest observed rate$106.39/mo
Spread percentage57.8%
Most Quoted Carriers
Top insurance companiesProgressive, Dairyland
Refugio County Auto Insurance Rates
3 PoliciesAvg Monthly Premium
$120.59
All drivers, all coverages
Annual Premium
$1,447
Avg across insurance companies
Liability Only Avg
$120.59/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread
$67.69/mo — $188.49/mo | 178.4% gap
📊 Policy volume in Refugio County
3
Total policies
3
ZIP codes
Coverage Breakdown
Liability only33.3%
Full coverage0.0%
Non owners66.7%
Rate Distribution
Lowest observed rate$67.69/mo
Highest observed rate$188.49/mo
Spread percentage178.4%
Most Quoted Carriers
Top insurance companiesProgressive, Dairyland
Midland County Auto Insurance Rates
2 PoliciesAvg Monthly Premium
$121.20
All drivers, all coverages
Annual Premium
$1,454
Avg across insurance companies
Liability Only Avg
$121.20/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread
$86.17/mo — $156.23/mo | 81.3% gap
📊 Policy volume in Midland County
2
Total policies
2
ZIP codes
Coverage Breakdown
Liability only0.0%
Full coverage50.0%
Non owners50.0%
Rate Distribution
Lowest observed rate$86.17/mo
Highest observed rate$156.23/mo
Spread percentage81.3%
Most Quoted Carriers
Top insurance companiesProgressive, Dairyland
Galveston County Auto Insurance Rates
2 PoliciesAvg Monthly Premium
$117.07
All drivers, all coverages
Annual Premium
$1,405
Avg across insurance companies
Liability Only Avg
$117.07/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread
$94.23/mo — $139.91/mo | 48.5% gap
📊 Policy volume in Galveston County
2
Total policies
2
ZIP codes
Coverage Breakdown
Liability only0.0%
Full coverage0.0%
Non owners50.0%
Rate Distribution
Lowest observed rate$94.23/mo
Highest observed rate$139.91/mo
Spread percentage48.5%
Most Quoted Carriers
Top insurance companiesProgressive, Dairyland
Bexar County Auto Insurance Rates
2 PoliciesAvg Monthly Premium
$96.61
All drivers, all coverages
Annual Premium
$1,159
Avg across insurance companies
Liability Only Avg
$96.61/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread
$64.99/mo — $128.23/mo | 97.3% gap
📊 Policy volume in Bexar County
2
Total policies
2
ZIP codes
Coverage Breakdown
Liability only50.0%
Full coverage0.0%
Non owners50.0%
Rate Distribution
Lowest observed rate$64.99/mo
Highest observed rate$128.23/mo
Spread percentage97.3%
Most Quoted Carriers
Top insurance companiesProgressive, Dairyland
Williamson County Auto Insurance Rates
2 PoliciesAvg Monthly Premium
$214.68
All drivers, all coverages
Annual Premium
$2,576
Avg across insurance companies
Liability Only Avg
$214.68/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread
$178.23/mo — $251.13/mo | 40.9% gap
📊 Policy volume in Williamson County
2
Total policies
2
ZIP codes
Coverage Breakdown
Liability only50.0%
Full coverage0.0%
Non owners50.0%
Rate Distribution
Lowest observed rate$178.23/mo
Highest observed rate$251.13/mo
Spread percentage40.9%
Most Quoted Carriers
Top insurance companiesProgressive
Dallas County Auto Insurance Rates
2 PoliciesAvg Monthly Premium
$120.70
All drivers, all coverages
Annual Premium
$1,448
Avg across insurance companies
Liability Only Avg
$120.70/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread
$104.90/mo — $136.50/mo | 30.1% gap
📊 Policy volume in Dallas County
2
Total policies
2
ZIP codes
Coverage Breakdown
Liability only50.0%
Full coverage0.0%
Non owners50.0%
Rate Distribution
Lowest observed rate$104.90/mo
Highest observed rate$136.50/mo
Spread percentage30.1%
Most Quoted Carriers
Top insurance companiesProgressive, Dairyland
Nueces County Auto Insurance Rates
2 PoliciesAvg Monthly Premium
$363.02
All drivers, all coverages
Annual Premium
$4,356
Avg across insurance companies
Liability Only Avg
$363.02/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread
$205.55/mo — $520.50/mo | 153.2% gap
📊 Policy volume in Nueces County
2
Total policies
2
ZIP codes
Coverage Breakdown
Liability only50.0%
Full coverage0.0%
Non owners0.0%
Rate Distribution
Lowest observed rate$205.55/mo
Highest observed rate$520.50/mo
Spread percentage153.2%
Most Quoted Carriers
Top insurance companiesDairyland, Progressive
Kleberg County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$111.90
All drivers, all coverages
Annual Premium
$1,343
Avg across insurance companies
Liability Only Avg
$111.90/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread$111.90/mo — $111.90/mo | 0.0% gap
📊 Policy volume in Kleberg County
1
Total policies
1
ZIP codes
Coverage Breakdown
Liability only100.0%
Full coverage0.0%
Non owners0.0%
Rate Distribution
Lowest observed rate$111.90/mo
Highest observed rate$111.90/mo
Spread percentage0.0%
Most Quoted Carriers
Top insurance companiesProgressive
Parker County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$62.08
All drivers, all coverages
Annual Premium
$745
Avg across insurance companies
Liability Only Avg
$62.08/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread$62.08/mo — $62.08/mo | 0.0% gap
📊 Policy volume in Parker County
1
Total policies
1
ZIP codes
Coverage Breakdown
Liability only100.0%
Full coverage0.0%
Non owners0.0%
Rate Distribution
Lowest observed rate$62.08/mo
Highest observed rate$62.08/mo
Spread percentage0.0%
Most Quoted Carriers
Top insurance companiesDairyland
Hidalgo County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$91.11
All drivers, all coverages
Annual Premium
$1,093
Avg across insurance companies
Liability Only Avg
$91.11/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread$91.11/mo — $91.11/mo | 0.0% gap
📊 Policy volume in Hidalgo County
1
Total policies
1
ZIP codes
Coverage Breakdown
Liability only100.0%
Full coverage0.0%
Non owners0.0%
Rate Distribution
Lowest observed rate$91.11/mo
Highest observed rate$91.11/mo
Spread percentage0.0%
Most Quoted Carriers
Top insurance companiesDairyland
Comal County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$144.11
All drivers, all coverages
Annual Premium
$1,729
Avg across insurance companies
Liability Only Avg
$144.11/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread$144.11/mo — $144.11/mo | 0.0% gap
📊 Policy volume in Comal County
1
Total policies
1
ZIP codes
Coverage Breakdown
Liability only0.0%
Full coverage100.0%
Non owners0.0%
Rate Distribution
Lowest observed rate$144.11/mo
Highest observed rate$144.11/mo
Spread percentage0.0%
Most Quoted Carriers
Top insurance companiesProgressive
El Paso County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$1,520.50
All drivers, all coverages
Annual Premium
$18,246
Avg across insurance companies
Liability Only Avg
$1,520.50/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread$1,520.50/mo — $1,520.50/mo | 0.0% gap
📊 Policy volume in El Paso County
1
Total policies
1
ZIP codes
Coverage Breakdown
Liability only100.0%
Full coverage0.0%
Non owners0.0%
Rate Distribution
Lowest observed rate$1,520.50/mo
Highest observed rate$1,520.50/mo
Spread percentage0.0%
Most Quoted Carriers
Top insurance companiesePremium
Lubbock County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$11.91
All drivers, all coverages
Annual Premium
$143
Avg across insurance companies
Liability Only Avg
$11.91/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread$11.91/mo — $11.91/mo | 0.0% gap
📊 Policy volume in Lubbock County
1
Total policies
1
ZIP codes
Coverage Breakdown
Liability only100.0%
Full coverage0.0%
Non owners0.0%
Rate Distribution
Lowest observed rate$11.91/mo
Highest observed rate$11.91/mo
Spread percentage0.0%
Most Quoted Carriers
Top insurance companiesProgressive
Walker County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$118.45
All drivers, all coverages
Annual Premium
$1,421
Avg across insurance companies
Liability Only Avg
—
State minimum coverage
Full Coverage Avg
$118.45/mo
Comp + collision included
⚡ Price Spread$118.45/mo — $118.45/mo | 0.0% gap
📊 Policy volume in Walker County
1
Total policies
1
ZIP codes
Coverage Breakdown
Liability only0.0%
Full coverage100.0%
Non owners0.0%
Rate Distribution
Lowest observed rate$118.45/mo
Highest observed rate$118.45/mo
Spread percentage0.0%
Most Quoted Carriers
Top insurance companiesProgressive
Travis County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$67.32
All drivers, all coverages
Annual Premium
$808
Avg across insurance companies
Liability Only Avg
—
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread$67.32/mo — $67.32/mo | 0.0% gap
📊 Policy volume in Travis County
1
Total policies
1
ZIP codes
Coverage Breakdown
Liability only0.0%
Full coverage0.0%
Non owners100.0%
Rate Distribution
Lowest observed rate$67.32/mo
Highest observed rate$67.32/mo
Spread percentage0.0%
Most Quoted Carriers
Top insurance companiesDairyland
Kaufman County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$205.55
All drivers, all coverages
Annual Premium
$2,467
Avg across insurance companies
Liability Only Avg
$205.55/mo
State minimum coverage
Full Coverage Avg
—
Comp + collision included
⚡ Price Spread$205.55/mo — $205.55/mo | 0.0% gap
📊 Policy volume in Kaufman County
1
Total policies
1
ZIP codes
Coverage Breakdown
Liability only100.0%
Full coverage0.0%
Non owners0.0%
Rate Distribution
Lowest observed rate$205.55/mo
Highest observed rate$205.55/mo
Spread percentage0.0%
Most Quoted Carriers
Top insurance companiesDairyland
