Car Insurance in Texas
Typical full coverage runs $2,100-$2,900 per year. Hail, big-city traffic and a high share of uninsured drivers shape Texas rates.
What Drivers Typically Pay
| Coverage level | Typical annual cost |
|---|---|
| Full coverage | $2,100 – $2,900 |
| State minimum | $650 – $850 |
The Texas minimum is 30/60/25: $30,000 per injured person, $60,000 per accident, and $25,000 property damage. With truck-heavy roads, $25,000 in property cover disappears quickly in a real accident.
Why Texas Costs What It Does
- Hail alley: North Texas hailstorms are a comprehensive-claim machine – one reason full coverage is pricey while minimum cover is moderate.
- Roughly 1 in 5 Texas drivers is uninsured, so uninsured-motorist claims are priced into everyone’s premium.
- Dallas, Houston and Austin congestion keeps collision frequency high.
- Large-vehicle culture: trucks and SUVs cost more to repair and do more damage.
How to Pay Less in Texas
- Add uninsured/underinsured motorist coverage – in Texas it is some of the best value protection you can buy.
- If you garage your car, say so; hail exposure matters to comprehensive pricing.
- Compare regional Texas insurers against the national brands – they often win on price here.
- Raising the comprehensive deductible specifically can cut costs in hail country.
Educational estimates from published industry rate studies – not insurance advice. Compare all states in our state-by-state guide or estimate your own premium with the insurance estimator.