Full coverage car insurance in Texas averages $1,823 per year. This is about $150 more than the national average. For those interested in the state-required minimum liability car insurance in Texas, that will set you back by an average of $524 per year, slightly lower than the national average of $565.
These rates are not the cheapest car insurance in Texas. For that, drivers will need to have a perfect driving record and talk to their insurance agent about available car insurance discounts. Insurance companies base their auto insurance quotes on many factors, including age, zip code and more.
What is the Average Premium in Texas for Full Coverage Car Insurance?
In Texas, the average full coverage insurance will cost you about $152 per month. Full coverage auto insurance consists of liability, plus collision car insurance and comprehensive auto insurance. If your car is financed or leased, you’ll likely be required by the lender to carry full coverage. Many drivers choose to carry this type of car insurance because it offers much better protection.
How Much is it for Cheap Liability Insurance or the Minimum Required Car Insurance in Texas?
In Texas, the minimum car insurance premiums average $44 per month. This liability insurance consists of bodily injury/death liability and property damage liability.
Although this sounds like a good deal, be wary of jumping into the cheapest car insurance coverage available. At-fault drivers are responsible for reimbursing other drivers for their losses. If you cause a wreck, your liability insurance will pay for the other people’s injuries and damages – up to your policy limits. It may not be enough – and it won’t pay anything for your own losses – leaving you with out-of-pocket costs.
How do Rates Compare across Major Cities in Texas?
Houston, Dallas, and Austin are heavily populated cities located in Texas, the second-largest state in the U.S. behind California for population. Insurance companies take into account how many accidents and claims come from a certain area when assigning their car insurance costs. The fact that a driver lives in Houston may mean that their insurance is higher through no fault of their own.
Listed below is a snapshot of the average monthly car insurance premium cost for these major locations, as well as other metropolitan areas in Texas.
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.