Drivers in Texas save an average of $516/year
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$2,280/year
High traffic + flood risk drive costs up
$2,016/year
Dense metro + theft rates elevate premiums
$1,752/year
Below Houston/Dallas, growing population
$1,632/year
Among Texas's lower big-city rates
$1,884/year
Tracks closely with Dallas rates
$1,488/year
One of Texas's most affordable cities
*Rates based on 30-year-old driver with clean record, full coverage
Texas drivers pay an average of $1,872/year for full coverage and around $660/year for minimum liability. Rates vary widely by city — Houston averages $2,280/year while El Paso averages closer to $1,488/year.
Geico and State Farm consistently offer the lowest minimum liability rates in Texas, often starting around $400–$500/year for clean-record drivers. For full coverage, Texas Farm Bureau, USAA (for military members), and Progressive are typically the most competitive.
Severe weather (hail, hurricanes, tornadoes), an uninsured-driver rate around 8%, dense metro traffic in Houston and Dallas, and rising repair costs all elevate Texas premiums. Hail and flood claims are particularly expensive for insurers.
Texas requires 30/60/25 liability coverage: $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage. Uninsured/underinsured motorist coverage and Personal Injury Protection are optional but recommended.
Yes — Houston has the highest average rates in Texas, around $2,280/year, due to flood risk, dense traffic, vehicle theft, and accident frequency. Comparing carriers can typically save Houston drivers $500–$800/year.
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