The average full-coverage car insurance in Texas is $2,631 per year for full coverage — that's 5% above the U.S. average of $2,513, the 18th most expensive of 51 states.
| Texas average | $2,631 per year for full coverage |
|---|---|
| U.S. average | $2,513 per year for full coverage |
| Difference | +5% (+$118/yr) |
| Rank (most expensive) | 18th of 51 |
Texas sits in the South and ranks 18th of 51 for car insurance cost. The main driver is hurricanes on the coast, hail and tornadoes inland — insurers price that risk straight into your premium. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
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The levers that move your rate the most: bundling auto with home or renters; raising your deductible; asking about low-mileage and safe-driver discounts; comparing at least 3 carriers — the same driver is quoted hundreds apart. The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare Texas Car Insurance Rates — Free, 2 Minutes →The average full-coverage car insurance in Texas is about $2,631 per year for full coverage as of 2026 — 5% above the national average of $2,513 per year for full coverage. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
Texas ranks 18th out of 51 for car insurance cost. Rates run high largely because of hurricanes on the coast, hail and tornadoes inland.
The fastest levers: bundling auto with home or renters, raising your deductible, asking about low-mileage and safe-driver discounts. Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.