What Texas drivers actually pay for car insurance, from the National Association of Insurance Commissioners’ 2024 Auto Insurance Database (published September 2026) — plus the hail, deer, and 30/60/25 minimums behind the #6 ranking.
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Texas at a glance
The figures below are the NAIC’s combined average premium for Texas — the average cost of a policy carrying liability, collision, and comprehensive coverage, 2024 calendar year, published September 2026.
Average car insurance premium · Texas$1,917/yr~$160 a month · #6 of 51 states (1 = priciest) · 119% of the US average
$1,917/yrAverage annual premium (NAIC 2024)
~$160/moMonthly equivalent
119%Of the national average
#6 of 51Price rank (1 = priciest)
Texas$1,917/yrTexas average · ~$160/mo
+$304/yrvs national average
National average$1,613/yrAll 50 states + DC
Texas vs the country
Louisiana · neighbor$2,151/yr
Texas · your state$1,917/yr
United States average$1,613/yr
Maine · cheapest state$1,000/yr
How it works: figures are the NAIC’s state combined average premiums — liability + collision + comprehensive written premiums divided by liability written car-years, 2024 calendar year, published September 2026. Monthly = annual ÷ 12. Rank is out of all 50 states + DC, priciest first. These are premiums paid, averaged across coverage amounts and driver profiles — a quote for your specific car, record, and ZIP will differ. Nothing you type leaves your device.
How this number is measured
The $1,917 figure isn’t a quote — it’s what Texas drivers actually paid on average for policies carrying liability, collision, and comprehensive coverage. The NAIC compiles written premiums from every insurer and divides by insured car-years, so the number reflects real policies, not advertised rates.
What the typical Texas driver pays per year: $1,917.
Monthly equivalent
annual ÷ 12
The monthly budget figure: about $160.
Index vs US average
state avg ÷ $1,613 × 100
Texas sits at 119% of the national average — 19 points above the typical state.
Price rank
sorted, priciest first
Texas is #6 of 51 — behind Florida, Louisiana, New York, DC, and Georgia.
3 things Texas drivers should know
Texas requires 30/60/25 liability: $30,000 bodily injury per person, $60,000 per accident, $25,000 property damage. That’s liability only — it pays the other driver, not you. One luxury SUV in a chain-reaction crash on I-35 can blow through $25,000 in property damage alone, which is why agents routinely recommend limits well above the minimum.
Hail and deer are Texas’s signature comprehensive claims. North Texas hailstorms have produced some of the costliest vehicle-damage events in the country, and deer collisions are a regular occurrence on rural highways. Both live under comprehensive coverage — which Texas law doesn’t require, but lenders do, and which is worth pricing even on a paid-off car in hail country.
About 14.5% of Texas drivers are uninsured (2023), and minimum-limits drivers are everywhere. Uninsured/underinsured motorist coverage is inexpensive relative to the protection it buys here — it’s the line item agents in Texas recommend most.
Who uses this page
Movers: budgeting a move to Texas — is ~$160/month about right for your car insurance?
Policyholders: checking whether the number your insurer quoted is anywhere near the state average.
Hail-country drivers: deciding whether comprehensive coverage and its deductible are worth it where you park.
Researchers & students: the NAIC figures are public statistics — cite them with the block below.
Accuracy & limitations
These are 2024-calendar-year averages published in September 2026 — the freshest official data available, but your 2026 quote will differ by ZIP code (Houston vs. Amarillo is a different risk pool), vehicle, driving record, coverage limits, deductible, and credit-based insurance score. Treat $1,917/yr as a benchmark, not a quote. Severe-weather states also move fast: one bad hail season can shift the next round of rates.
Cite this pageBright Side Kit. “Average Car Insurance Cost in Texas.” brightoolbox.com, 2026.Bright Side Kit. "Average Car Insurance Cost in Texas." https://brightoolbox.com/car-insurance-cost-texas/ Accessed October 21, 2026.
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Frequently asked questions
How much is car insurance in Texas per month?
The state average premium is about $160 a month ($1,917 a year) according to NAIC 2024 data — 119% of the national average, ranking #6 of 51 states. Houston and Dallas drivers typically pay above the average; rural West Texas drivers often pay below it.
Why is Texas car insurance so expensive?
Severe weather and scale: North Texas hailstorms produce some of the costliest vehicle-damage events in the country, deer collisions are common on rural highways, hail-season flooding hits the big metros, and 14.5% of drivers are uninsured. Add vast urban sprawl (more miles driven) and rising repair costs, and Texas lands at #6 nationally.
What are the minimum car insurance requirements in Texas?
30/60/25 liability: $30,000 bodily injury per person, $60,000 per accident, $25,000 property damage. That’s the legal floor — it pays the other driver, never you. Most agents recommend 100/300/100 or higher; the price jump from minimums to mid-tier limits is usually modest.
Does Texas car insurance cover hail damage?
Only if you carry comprehensive coverage — hail is a comprehensive claim, not collision, and Texas law doesn’t require it. In hail country, that’s the coverage that earns its keep: one spring storm can total a roof and hood. Your comprehensive deductible applies, and some drivers in North Texas keep it lower than their collision deductible for exactly this reason.
Do I need comprehensive coverage in Texas?
Legally no — but think twice before dropping it. Comprehensive covers hail, flood, theft, vandalism, fire, and deer strikes: essentially the entire Texas weather-and-wildlife menu. If your car is financed or leased, your lender requires it. On a paid-off older car, compare one year of comprehensive premium against the car’s realistic market value.
What’s the cheapest way to lower my Texas car insurance?
Shop at least three insurers every renewal (Texas rates vary wildly by carrier and ZIP), ask about telematics/usage-based programs, raise your deductibles if you have an emergency fund, bundle with renters or homeowners insurance, and take a state-approved defensive driving course for the discount. The math behind every quote is in how car insurance premiums are calculated.