Texas Auto Insurance
County-by-County Rate Intelligence

Page Overview (Texas Auto Insurance Rates by County)

This page is a Texas auto insurance / car insurance county report built from first-party policy service outcomes. The information read here comes from sold policies (monthly premium results) grouped by state, county, ZIP code, coverage type, and insurance companies, so visitors can compare real insurance rates rather than relying on generic estimates. Dataset scope: 43 policies, 21 Texas counties, and 34 ZIP codes, covering multiple insurance types within vehicle insurance, including liability insurance, full coverage, and non owners coverage. For a broader overview of coverage across the state, see our Texas auto insurance guide.

Key data points across all counties: average premium is $231.52/month (about $2,778/year). The lowest observed rate is $11.91/month and the highest observed rate is $1,520.50/month, showing how pricing can shift based on driver profile (credit, violations, accidents, DUI), vehicle, coverage level, deductible, and underwriting rules. The coverage mix in this dataset is 27.9% liability only, 18.6% full coverage, and 39.5% non owners, which helps explain why the cheapest option can look different for each situation.

Carrier activity in this report is concentrated: Progressive (21) and Dairyland (14) appear most often, followed by ePremium (3), Mendota (2), Bristol West (2), and Geico (1). Other active non-standard carriers in Texas include GAINSCO and Falcon Insurance, both strong options for Texas drivers with difficult records. Each county section below summarizes volume, averages, price spread, and coverage split so shoppers can compare before requesting an insurance quote online or by phone, including cases like sr22 insurance where rates can vary widely. Review SR-22 requirements by state to understand what Texas drivers with violations need to file.