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Average Monthly Auto Insurance Rates by Coverage Package in Texas

One of the biggest factors affecting your insurance premium is the amount of coverage you choose. Liability-only policies typically cost less than full coverage, while enhanced coverage packages provide additional financial protection. The chart below compares average monthly premiums by coverage package using Texas quote data.

Average monthly

Filters: Filters: State TX

Source ... A Plus Insurance Quote Dataset

full_coverage
$211.14
liability_only
$99.54
  • Pricing ranges from $99.54 (liability_only) to $211.14 (full_coverage) ... a spread of $111.61.
  • Based on real auto insurance quotes grouped into 2 company results, the average across this view is $155.34. The spread is about 112% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
2591 1btToT-DofnGsDIWnLj36f3jf3-RgdCe 2026-05-29 TX 2025 Honda CR-V 68 male unknown full_coverage Progressive 130.42 0 0 0
2278 1QAABIPUUc24yDzsIVQA_g56FUEi8Gy5 2026-04-17 TX RICHARDSON 75081 unknown unknown liability_only Geico 0.00 0 0 0
2187 1iOf_J37DnCzU7jloZZwAEH15IQkAbqm 2026-04-10 TX WILLOW PARK 76008 2006 Yamaha XV250 64 female single liability_only Progressive 0.00 0 0 0
2050 1Nu1kTz9pKekqy1Ih9MDQlSp9R5w4XwJ 2026-03-31 TX 2001 RAM 52 male single liability_only Dairyland 50.86 0 0 0
1858 1baoqMHVljxQKGr66nbgTHGDBv3_VVhR 2026-03-16 TX DENTON 76201 2010 Honda Accord unknown unknown liability_only Mendota 164.83 0 2 0
1789 20260316-091900-7340 2026-03-16 TX DENTON 76201 2010 HONDA ACCORD EX-L 26 female single liability_only Progressive Insurance 140.80 0 0 0
1502 20260217-094539-9574 2026-02-17 TX GEORGETOWN 78633 2026 HONDA CR-V SPORT-L 28 female single full_coverage Progressive Insurance 148.08 0 0 0
1414 20260206-105351-5943 2026-02-06 TX TRINITY 75862 2016 TOYOTA CAMRY SE 43 male single full_coverage Progressive Insurance POP 288.74 2 0 0
1413 20260105-105247-1444 2026-01-05 TX SILSBEE 77656 2004 TOYOTA TUNDRA ACCESS CAB SR 59 male single liability_only Dairyland Auto 99.63 0 0 0
1412 20260206-1202-8339 2026-02-06 TX HOUSTON 77048 2023 HYUNDAI SONATA SEL PLUS 25 female single full_coverage National General DynamicDrive 444.58 0 0 0
1411 20251117-105122-5602 2025-11-17 TX SAN ANTONIO 78253 2019 FORD F150 30 male married full_coverage Progressive Insurance 169.33 0 0 0
1411 20251117-105122-5602 2025-11-17 TX SAN ANTONIO 78253 2019 FORD F150 30 male married full_coverage Progressive Insurance 169.33 0 0 0
1411 20251117-105122-5602 2025-11-17 TX SAN ANTONIO 78253 2018 SUBARU IMPREZA PREMIUM PLUS 30 male married full_coverage Progressive Insurance 169.33 0 0 0
1411 20251117-105122-5602 2025-11-17 TX SAN ANTONIO 78253 2018 SUBARU IMPREZA PREMIUM PLUS 30 male married full_coverage Progressive Insurance 169.33 0 0 0
1410 20251220-104941-2582 2025-12-20 TX ORANGE 77632 2000 CHEVROLET S10 51 male single liability_only Dairyland Auto 86.01 0 0 0
1409 20251230-1215-3648 2025-12-30 TX DECATUR 76234 2015 FORD F350 SUPER DUTY 66 male single liability_only Progressive Insurance 55.08 0 0 0

What We Cover

Auto, SR22, non-owner, homeowners, renters, motorcycle — we compare carriers and send proof fast for Euless and the 121 corridor.

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Local Factors

DFW proximity, SH-183 and SH-121 commutes, hail exposure, roof age, and prior insurance continuity all influence pricing.

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Average Monthly Texas SR22 Insurance Rates

Drivers who need an SR22 filing often pay different premiums than standard policies because insurance companies consider the underlying driving history that required the filing. The chart below compares average monthly SR22 insurance premiums using Texas quote data.

Average monthly

Filters: Filters: State TX

Source ... A Plus Insurance Quote Dataset

National General
$444.58
Progressive
$157.09
Mendota
$164.83
Dairyland Auto
$92.82
Dairyland
$50.86
Evanston Insurance Company or Emerald Bay Specialty
$0.00
Geico
$0.00
  • Pricing ranges from $0.00 (Evanston Insurance Company or Emerald Bay Specialty) to $444.58 (National General) ... a spread of $444.58.
  • Based on real auto insurance quotes grouped into 7 company results, the average across this view is $130.03.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
2591 1btToT-DofnGsDIWnLj36f3jf3-RgdCe 2026-05-29 TX 2025 Honda CR-V 68 male unknown full_coverage Progressive 130.42 0 0 0
2278 1QAABIPUUc24yDzsIVQA_g56FUEi8Gy5 2026-04-17 TX RICHARDSON 75081 unknown unknown liability_only Geico 0.00 0 0 0
2187 1iOf_J37DnCzU7jloZZwAEH15IQkAbqm 2026-04-10 TX WILLOW PARK 76008 2006 Yamaha XV250 64 female single liability_only Progressive 0.00 0 0 0
2050 1Nu1kTz9pKekqy1Ih9MDQlSp9R5w4XwJ 2026-03-31 TX 2001 RAM 52 male single liability_only Dairyland 50.86 0 0 0
2047 10lFtRgn4fiBDgEBjGsowGYvUsj8VVv1 2026-03-31 TX RICHMOND 77406 unknown unknown unknown Evanston Insurance Company or Emerald Bay Specialty 0.00 0 0 0
1858 1baoqMHVljxQKGr66nbgTHGDBv3_VVhR 2026-03-16 TX DENTON 76201 2010 Honda Accord unknown unknown liability_only Mendota 164.83 0 2 0
1789 20260316-091900-7340 2026-03-16 TX DENTON 76201 2010 HONDA ACCORD EX-L 26 female single liability_only Progressive Insurance 140.80 0 0 0
1502 20260217-094539-9574 2026-02-17 TX GEORGETOWN 78633 2026 HONDA CR-V SPORT-L 28 female single full_coverage Progressive Insurance 148.08 0 0 0
1414 20260206-105351-5943 2026-02-06 TX TRINITY 75862 2016 TOYOTA CAMRY SE 43 male single full_coverage Progressive Insurance POP 288.74 2 0 0
1413 20260105-105247-1444 2026-01-05 TX SILSBEE 77656 2004 TOYOTA TUNDRA ACCESS CAB SR 59 male single liability_only Dairyland Auto 99.63 0 0 0
1412 20260206-1202-8339 2026-02-06 TX HOUSTON 77048 2023 HYUNDAI SONATA SEL PLUS 25 female single full_coverage National General DynamicDrive 444.58 0 0 0
1411 20251117-105122-5602 2025-11-17 TX SAN ANTONIO 78253 2019 FORD F150 30 male married full_coverage Progressive Insurance 169.33 0 0 0
1411 20251117-105122-5602 2025-11-17 TX SAN ANTONIO 78253 2019 FORD F150 30 male married full_coverage Progressive Insurance 169.33 0 0 0
1411 20251117-105122-5602 2025-11-17 TX SAN ANTONIO 78253 2018 SUBARU IMPREZA PREMIUM PLUS 30 male married full_coverage Progressive Insurance 169.33 0 0 0
1411 20251117-105122-5602 2025-11-17 TX SAN ANTONIO 78253 2018 SUBARU IMPREZA PREMIUM PLUS 30 male married full_coverage Progressive Insurance 169.33 0 0 0
1410 20251220-104941-2582 2025-12-20 TX ORANGE 77632 2000 CHEVROLET S10 51 male single liability_only Dairyland Auto 86.01 0 0 0
1409 20251230-1215-3648 2025-12-30 TX DECATUR 76234 2015 FORD F350 SUPER DUTY 66 male single liability_only Progressive Insurance 55.08 0 0 0
Brian Muse – Customer Service Representative At A Plus Insurance

Brian Muse

Customer Service Representative

Customer Service Representative specializing in billing support, document processing, and policy account management. Brian assists clients with policy questions, coverage updates, and general account support to help keep their insurance in good standing.
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