Car insurance quotes in Texas
The average car insurance rate in Texas is $1,293 for a six-month policy — 11% more expensive than the U.S. average.[1] But don’t be fooled — your location is just one piece of the puzzle. Car insurance rates in Texas are shaped by a variety of factors, including your age and driving history.
According to our data, 45% of Texans believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options. Keep reading to discover what you can expect to pay for coverage, or enter your ZIP code above for free quotes from top insurers.
Cheap full coverage insurance in Texas
In 2026, the average cost of full coverage insurance in Texas is $1,293 for a six-month policy. Full coverage is a popular choice here, with 57% of The Zebra’s Texas customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Texas Farm Bureau — they’re known for offering some of the most competitive rates in the state.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $818 | $136 |
| State Farm | $909 | $151 |
| GEICO | $932 | $155 |
| USAA | $1,120 | $187 |
| Auto Club | $1,247 | $208 |
| Progressive | $1,561 | $260 |
| Encompass | $1,889 | $315 |
| Safe Auto | $2,124 | $354 |
| Allstate | $2,179 | $363 |
Local insights
Drivers near you in Texas weigh in
“We have a $500 deductible and uninsured coverage. In my experience, Progressive and Geico have been the cheapest.”
-Reddit user on r/Texas
“I pay about $150-$160 a month with Progressive for a 2020 Ford Fusion. I had a wreck back in 2023 but wasn’t at fault so my price stayed the same through that whole experience.”
-Reddit user on r/Dallas
Cheap liability insurance in Texas
The average cost for liability insurance in Texas is $507 for a 6-month policy.[1] For our user profile, Texas Farm Bureau offers the most affordable liability insurance options in the state at $50/mo.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Texas, a full coverage insurance policy with a $500 deductible costs $1,293 for a 6-month policy, considerably more than liability-only car insurance.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $303 | $50 |
| GEICO | $350 | $58 |
| USAA | $362 | $60 |
| State Farm | $422 | $70 |
| Auto Club | $508 | $85 |
| Progressive | $561 | $94 |
| Safe Auto | $759 | $127 |
| Allstate | $832 | $139 |
| Encompass | $863 | $144 |
What are the best car insurance companies in Texas?
We’ve named AAA as Texas’s top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
Car insurance in popular Texas cities
Car insurance companies calculate your rate based on many factors, with the location of the vehicle being an important one. The cheapest car insurance is found in Waco, Texas, and the most expensive in Houston, Texas.
Have a look at the table below to see average car insurance costs in some of Texas’ biggest cities.
