Texas car insurance cost calculator

Full-coverage car insurance in Texas averages about $1,886 a year ($157/mo) for a clean-record 40-year-old driver — roughly 27% above the US average of $1,484. State-minimum coverage averages about $823 a year. Estimate your own cost below.

Estimated premium

$157.17/mo

Annual$1,886

Coverage levelFull

Age factor×1

Profile: 40-year-old driver, 2012 Toyota Camry, 100/300/100 full coverage, $1,000 deductible, clean record (MoneyGeek 2026).

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Texas car insurance cost at a glance

Full coverage (avg/yr): $1,886
State minimum (avg/yr): $823
Age 25, full coverage: $2,169
Age 60, full coverage: $1,735
US average (full/yr): $1,484

Frequently asked questions

How much is car insurance in Texas?

Full-coverage car insurance in Texas averages about $1,886 per year, or $157 per month, for a clean-record 40-year-old driver. State-minimum coverage averages about $823 per year.

Is car insurance expensive in Texas?

Texas is above the national average. Full coverage there averages $1,886 a year versus the US average of $1,484 — about 27% above.

What is the cheapest car insurance in Texas?

The cheapest option in Texas is usually state-minimum liability coverage, averaging about $823 a year — but it carries far lower limits than full coverage and may leave you underinsured.

How can I lower my car insurance in Texas?

Compare quotes from several carriers, raise your deductible, bundle auto and home, and ask about safe-driver, low-mileage and good-credit discounts. Rates in Texas vary widely by insurer, so shopping around matters most.

How this estimate is calculated

We start from the 2026 average annual Texas premium for a standard 40-year-old driver profile (full or state-minimum coverage), then apply an age factor from published by-age averages. Your vehicle, driving record, credit, mileage and discounts also affect real quotes and aren't modeled here.

See our full methodology for assumptions, limits and the 2026 data used.

Sources

Written by: Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
Reviewed: Figures checked against the cited sources
Last updated: June 13, 2026
Standards: Editorial policy

This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.