What Texas Drivers Actually Pay for Car Insurance

Every number on this page comes from real quotes our licensed agents ran for Texas drivers since late 2025, updated automatically as new quotes come in. These are first-party quote outcomes from A Plus Insurance, not public filings or generic estimates. Compare auto insurance options across Texas by carrier, coverage level, and city, then get your own price online or by phone.

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Reviewed by Mia Bush, licensed insurance agent (NPN 18340300), A Plus Insurance — last reviewed October 2026. How we collect this data.

How much is car insurance in Texas?

The chart below answers that from our own Texas quotes. The summary line under the title shows the typical monthly rate, the median, and the full range, and it updates by itself as our agents log new quotes. Dairyland, Progressive, and Geico are the carriers we quote most often in Texas.

A Plus Insurance is an appointed independent agent for Progressive, Dairyland, and Geico, so one call compares all three plus our other carriers. For drivers with a difficult record, GAINSCO and Falcon Insurance are also strong Texas options. See how Texas compares to every state we quote on our car insurance statistics page.

Liability-only versus full coverage in Texas

Full coverage adds comprehensive and collision on top of the state-minimum liability limits, and lenders require it on financed vehicles. This chart shows the median monthly rate for each coverage level from our Texas quotes.

Texas car insurance rates by city

Rates move with traffic, claim history, and weather exposure, so the same driver can pay a different price in Houston than in Austin or Georgetown. Cities appear here once we have enough quotes to show a fair median. For deeper local detail, see our Harris County auto insurance rates and Dallas County auto insurance rates pages.

Frequently Asked Questions — Texas Auto Insurance

What are Texas’s minimum auto insurance requirements?

Texas requires 30/60/25 liability coverage: $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. Texas is an at-fault state with no mandatory Personal Injury Protection, though $2,500 of PIP must be offered and can be declined in writing. Uninsured and underinsured motorist coverage is also offered and can be waived, but Texas has one of the higher uninsured driver rates in the South, so it is worth serious consideration. Texas uses the TexasSure electronic verification system, which cross-checks insurance status against vehicle registrations, so lapses are found quickly.

How does SR-22 work in Texas?

Texas requires an SR-22 after a DWI, reckless driving, driving without insurance in an accident, or certain license suspensions. The filing period is typically 2 years from license reinstatement, shorter than the 3 years most states require. Non-owners SR-22 is available for drivers who need compliance coverage without owning a vehicle. Our carriers file Texas SR-22s electronically with the Texas Department of Motor Vehicles. Review SR-22 requirements by state to compare Texas against other states where you may need a filing.

Why is full coverage so much more expensive than liability-only in Texas?

Full coverage pays to repair or replace your own vehicle, so the insurer takes on far more risk than with liability alone. Texas adds hail exposure in North Texas, severe weather events, Gulf Coast flooding, and a high uninsured driver rate, all of which push comprehensive and collision premiums above what comparable coverage costs in neighboring Oklahoma or New Mexico. The coverage chart above shows the current gap from our own Texas quotes.

Is auto insurance more expensive in Houston than in smaller Texas cities?

Usually, yes. Houston’s sprawl, heavy traffic, above-average uninsured driver rate, and recurring flood exposure make Harris County one of the most expensive auto insurance markets in Texas. The city chart above shows how Houston compares to the other Texas cities in our quote data, and our Harris County page goes deeper.

Can I get non-owners insurance in Texas for SR-22 compliance?

Yes. A Texas non-owners policy provides liability coverage for you as a named driver on vehicles you do not own, and it satisfies the Texas SR-22 financial responsibility requirement without registering a vehicle. Non-owners policies generally cost less than standard liability policies on owned vehicles, and keeping one in force for the full 2-year SR-22 period is the path to clearing the filing.

Can I get Texas car insurance today?

Yes. Most of our carriers can bind a Texas policy the same day you are quoted, with proof of insurance emailed to you within minutes. See our same day car insurance page for what to have ready.

Ready for your Texas auto insurance price?

Compare rates across insurance companies now, online or by phone. We can quote liability insurance, full coverage, SR-22 insurance, non-owners, and more.

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Last Updated on October 20, 2026 by Brian Muse