Ranked #8 of 51 by Cost

2026 Texas Car Insurance Calculator

Estimate your monthly premium based on The Lone Star State averages

Texas state flag — 2026 car insurance rates

Rate Calculator

$287

per month

$3,444

per year

Updated July 1, 2026

Local insurance tip

Texas is one of the few states where insurers are required to offer a Personal Injury Protection (PIP) add-on, which you must affirmatively reject in writing to decline. Keeping the default $2,500 PIP is inexpensive and pays your medical bills and lost wages regardless of fault, making it one of the best-value coverages Texas drivers often unknowingly waive.

Cost Breakdown

Average Monthly Insurance Rate by Coverage Level
Coverage	Monthly	Description
TX minimum	$135	Legal bare minimum (liability only)
Standard liability	$215	High Liability, no physical damage
Full coverage	$287	Comprehensive ($500 ded.)
Premium protection	$390	Max liability ($250 ded.)

Average Monthly Insurance Rate by Age Group
Age	Risk	Monthly
16-19	Very high	$847
20-24	High	$474
25-54	Standard	$287
55-69	Low	$273
70+	Moderate	$359

Average Monthly Insurance Rate by Driving History
Violation	Risk	Monthly
Clean	Standard	$287
Speeding Ticket	Moderate	$350
At-Fault Accident	High	$425
DUI / DWI	Very high	$818

Texas Snapshot · July 2026

Texas Car Insurance Rates by County July 2026

$287/mo

State avg (+17% US AVG)

National Rank

38%

County Spread

Rate by Neighboring States (5)

Average Monthly Insurance Rate by State
Rank	State	Monthly	Population
1	Louisiana	$420+46%	4,508,066
2	Texas	$287	25,046,020
3	Oklahoma	$233-19%	3,725,119
4	Arkansas	$219-24%	2,907,346
5	New Mexico	$204-29%	2,036,065

State Insight

Texas is the most expensive of its neighbors by a significant margin outside Louisiana. Louisiana is dramatically more expensive, its litigation environment pushing it nearly 50% above Texas. Oklahoma and Arkansas are both meaningfully cheaper. New Mexico is the most affordable neighbor, its lower urban density and medical costs keeping it well below Texas despite sharing a long border.

Rate by Cities (Top 100)

Average Monthly Insurance Rate by City
Rank	City	Monthly	Population
1	Dallas	$333+16%	1,250,874
2	Garland	$331+15%	226,892
3	DeSoto	$328+14%	48,877
4	Cedar Hill	$322+12%	45,373
5	Mesquite	$315+10%	140,703
6	Irving	$313+9%	217,883
7	Houston	$312+9%	2,906,334
8	Rowlett	$311+8%	54,963
9	Richardson	$310+8%	99,347
10	Brownsville	$309+8%	195,686
11	Grand Prairie	$309+8%	174,375
12	Mission	$309+8%	167,182
13	Edinburg	$309+8%	136,507
14	Mcallen	$309+8%	131,628
15	Carrollton	$309+8%	119,595
16	Pharr	$309+8%	70,840
17	San Antonio	$308+7%	1,577,687
18	Pasadena	$307+7%	145,975
19	Laredo	$306+7%	248,210
20	Cypress	$304+6%	122,803
21	San Benito	$304+6%	55,878
22	Richmond	$302+5%	97,598
23	Harlingen	$302+5%	87,263
24	Weslaco	$302+5%	63,844
25	Baytown	$300+5%	103,027
26	Humble	$299+4%	130,866
27	Rockwall	$298+4%	56,131
28	Sugar Land	$297+3%	149,159
29	Orange	$296+3%	49,572
30	Tomball	$295+3%	68,059
31	North Richland Hills	$294+2%	61,653
32	Katy	$292+2%	250,975
33	Missouri City	$291+1%	91,828
34	Arlington	$290+1%	370,281
35	Wylie	$289+1%	48,197
36	Spring	$287	316,665
37	Friendswood	$287	47,636
38	Kingwood	$286	63,634
39	Eagle Pass	$286	53,040
40	Waxahachie	$286	46,402
41	Fort Worth	$285-1%	808,032
42	Amarillo	$284-1%	218,766
43	Beaumont	$284-1%	142,692
44	Mansfield	$284-1%	61,361
45	Mckinney	$283-1%	144,932
46	Grapevine	$283-1%	46,320
47	Burleson	$282-2%	59,744
48	Port Arthur	$282-2%	53,986
49	Plano	$281-2%	278,067
50	Odessa	$281-2%	137,390
51	Euless	$281-2%	60,449
52	Conroe	$280-2%	130,233
53	Pflugerville	$280-2%	68,789
54	Pearland	$279-3%	112,611
55	Allen	$279-3%	93,487
56	Magnolia	$279-3%	54,225
57	Keller	$277-3%	95,035
58	Austin	$276-4%	939,499
59	Lewisville	$276-4%	109,212
60	Bedford	$275-4%	46,885
61	Corpus Christi	$274-5%	305,739
62	El Paso	$273-5%	738,438
63	Tyler	$273-5%	144,160
64	Lufkin	$273-5%	63,040
65	Frisco	$272-5%	120,276
66	Nacogdoches	$272-5%	52,598
67	San Marcos	$271-6%	63,836
68	Galveston	$271-6%	49,659
69	The Colony	$271-6%	47,852
70	League City	$270-6%	71,580
71	Longview	$269-6%	102,348
72	Huntsville	$269-6%	63,487
73	Texas City	$268-7%	43,505
74	Granbury	$267-7%	47,119
75	Kyle	$267-7%	42,954
76	Bryan	$264-8%	89,322
77	Weatherford	$263-8%	65,228
78	Texarkana	$262-9%	60,677
79	Alvin	$261-9%	46,627
80	College Station	$260-9%	105,109
81	Flower Mound	$260-9%	64,771
82	Leander	$260-9%	54,068
83	Seguin	$259-10%	45,341
84	Lubbock	$258-10%	248,257
85	Cleburne	$257-10%	42,578
86	Round Rock	$255-11%	139,523
87	Cedar Park	$255-11%	65,099
88	Denton	$254-11%	139,552
89	New Braunfels	$254-11%	78,685
90	Sherman	$254-11%	46,563
91	Del Rio	$252-12%	48,149
92	Victoria	$251-13%	80,531
93	Waco	$250-13%	146,904
94	Midland	$246-14%	134,281
95	Killeen	$246-14%	134,151
96	Abilene	$244-15%	123,875
97	Georgetown	$242-16%	69,072
98	Wichita Falls	$239-17%	102,011
99	Temple	$238-17%	72,710
100	San Angelo	$236-18%	103,927

Compared to TX avg ($287)

City Insight

Dallas leads the major Texas cities. Its combination of vehicle theft, hail exposure and active litigation in Dallas County pushing it above Houston despite Houston's storm reputation. The Rio Grande Valley cities (McAllen, Edinburg, Mission and Brownsville), form a distinct high-rate cluster driven by high uninsured driver concentrations and cross-border traffic exposure along the Mexico corridor.

Rate by Counties (254)

Average Monthly Insurance Rate by County
Rank	County	Monthly	Population
1	Dallas	$326+14%	2,410,325
2	Harris	$308+7%	4,117,183
3	Hidalgo	$308+7%	773,798
4	Bexar	$307+7%	1,695,333
5	Webb	$306+7%	249,532
6	Cameron	$306+7%	406,162
7	Waller	$302+5%	38,435
8	Rockwall	$297+3%	78,537
9	Chambers	$297+3%	31,475
10	Fort Bend	$296+3%	539,048
11	Starr	$296+3%	61,163
12	Liberty	$295+3%	72,571
13	Willacy	$295+3%	21,997
14	Kaufman	$294+2%	97,881
15	Orange	$294+2%	84,826
16	San Jacinto	$287	31,426
17	Bandera	$287	20,163
18	Tarrant	$286	1,747,697
19	Maverick	$286	54,258
20	Ellis	$285-1%	157,209
21	Harrison	$285-1%	53,092
22	Jim Hogg	$285-1%	5,350
23	Potter	$285-1%	119,575
24	Panola	$284-1%	22,904
25	Jefferson	$284-1%	251,163
26	Randall	$284-1%	119,591
27	Collin	$283-1%	728,135
28	Upshur	$281-2%	35,507
29	Montgomery	$281-2%	446,351
30	Ector	$281-2%	139,875
31	Rusk	$280-2%	44,405
32	Hardin	$280-2%	55,197
33	Brooks	$279-3%	7,514
34	Kenedy	$279-3%	277
35	Travis	$278-3%	1,008,116
36	Smith	$276-4%	213,182
37	Jasper	$276-4%	35,289
38	Zapata	$276-4%	13,528
39	Newton	$275-4%	10,568
40	Tyler	$275-4%	21,145
41	Caldwell	$275-4%	37,497
42	Polk	$274-5%	45,118
43	McMullen	$274-5%	505
44	Nueces	$274-5%	338,489
45	El Paso	$274-5%	789,678
46	Angelina	$273-5%	87,073
47	Galveston	$272-5%	310,523
48	Camp	$271-6%	14,196
49	Marion	$271-6%	10,834
50	Nacogdoches	$271-6%	62,491
51	Madison	$271-6%	13,125
52	Sabine	$271-6%	10,993
53	Johnson	$271-6%	164,248
54	Jim Wells	$271-6%	41,439
55	Cherokee	$270-6%	43,689
56	Anderson	$270-6%	60,372
57	Trinity	$270-6%	14,616
58	San Augustine	$270-6%	8,219
59	Wise	$270-6%	56,480
60	Walker	$270-6%	68,480
61	Hutchinson	$270-6%	22,708
62	Denton	$269-6%	715,299
63	Gregg	$269-6%	147,172
64	Shelby	$269-6%	26,389
65	Brazoria	$269-6%	327,935
66	Guadalupe	$269-6%	113,637
67	Cass	$268-7%	28,559
68	Moore	$268-7%	21,705
69	Reeves	$268-7%	13,783
70	Henderson	$267-7%	85,115
71	Hunt	$267-7%	77,824
72	Houston	$267-7%	24,714
73	Hood	$267-7%	52,738
74	Coke	$267-7%	3,104
75	Atascosa	$267-7%	45,949
76	Hays	$267-7%	172,368
77	Armstrong	$267-7%	1,782
78	Van Zandt	$266-7%	49,754
79	Robertson	$266-7%	15,758
80	Burnet	$266-7%	35,916
81	Oldham	$266-7%	2,674
82	Wood	$265-8%	46,163
83	Leon	$265-8%	19,634
84	Parker	$265-8%	103,940
85	Cochran	$265-8%	3,149
86	Dawson	$265-8%	13,535
87	Fannin	$264-8%	33,262
88	Grimes	$264-8%	28,735
89	Matagorda	$264-8%	36,891
90	Austin	$264-8%	29,441
91	Medina	$264-8%	41,930
92	Navarro	$263-8%	47,014
93	Rains	$263-8%	9,898
94	Franklin	$263-8%	8,168
95	Somervell	$263-8%	8,413
96	Edwards	$263-8%	1,940
97	Borden	$263-8%	275
98	Red River	$262-9%	13,025
99	Delta	$262-9%	4,966
100	Titus	$262-9%	31,470
101	Palo Pinto	$262-9%	29,780
102	Baylor	$262-9%	3,820
103	Lampasas	$262-9%	21,049
104	Brazos	$262-9%	194,431
105	Kendall	$262-9%	35,130
106	Bastrop	$262-9%	75,047
107	Llano	$262-9%	22,091
108	Dimmit	$262-9%	9,834
109	Zavala	$262-9%	11,690
110	Carson	$262-9%	5,731
111	Martin	$262-9%	5,024
112	Cooke	$261-9%	35,326
113	Wilbarger	$261-9%	13,410
114	Mason	$261-9%	3,898
115	Washington	$261-9%	33,822
116	Swisher	$261-9%	8,373
117	Lynn	$261-9%	5,896
118	Jones	$261-9%	12,935
119	Loving	$261-9%	80
120	Bowie	$260-9%	92,125
121	Schleicher	$260-9%	3,377
122	Gray	$260-9%	22,640
123	Hardeman	$260-9%	4,178
124	Hockley	$260-9%	21,935
125	Gaines	$260-9%	16,825
126	Morris	$259-10%	13,751
127	Freestone	$259-10%	18,052
128	Jack	$259-10%	8,586
129	Eastland	$259-10%	19,532
130	Throckmorton	$259-10%	1,522
131	Wharton	$259-10%	40,509
132	Frio	$259-10%	17,506
133	Gonzales	$259-10%	20,003
134	Blanco	$259-10%	9,700
135	Mitchell	$259-10%	9,432
136	Falls	$258-10%	15,524
137	Comal	$258-10%	125,814
138	Hansford	$258-10%	5,969
139	Lubbock	$258-10%	272,877
140	Knox	$257-10%	3,541
141	Coryell	$257-10%	55,551
142	Uvalde	$257-10%	26,532
143	Castro	$257-10%	7,396
144	Bailey	$257-10%	7,518
145	Young	$256-11%	18,815
146	Erath	$256-11%	36,118
147	Mills	$256-11%	4,691
148	Sherman	$256-11%	2,366
149	Yoakum	$256-11%	8,596
150	Upton	$256-11%	3,353
151	Hudspeth	$256-11%	3,325
152	Grayson	$255-11%	124,346
153	Lamar	$255-11%	49,495
154	Hopkins	$255-11%	34,115
155	Montague	$255-11%	20,919
156	Haskell	$255-11%	5,805
157	Shackelford	$255-11%	3,038
158	Limestone	$255-11%	22,807
159	Reagan	$255-11%	3,390
160	Lee	$255-11%	16,227
161	Calhoun	$255-11%	21,349
162	LaSalle	$255-11%	6,842
163	Duval	$255-11%	12,620
164	Crane	$255-11%	4,193
165	Glasscock	$255-11%	963
166	Winkler	$255-11%	7,099
167	Clay	$254-11%	7,464
168	Archer	$254-11%	6,571
169	Colorado	$254-11%	21,451
170	Wilson	$254-11%	38,625
171	Gillespie	$254-11%	25,074
172	Parmer	$254-11%	9,931
173	Hartley	$254-11%	1,314
174	Dallam	$254-11%	11,492
175	Deaf Smith	$254-11%	19,473
176	Scurry	$254-11%	17,082
177	Ward	$254-11%	10,629
178	Hill	$253-12%	34,777
179	Hamilton	$253-12%	9,224
180	Williamson	$253-12%	434,395
181	Bosque	$253-12%	19,002
182	Kimble	$253-12%	4,345
183	San Patricio	$253-12%	69,433
184	Hemphill	$253-12%	3,771
185	Lamb	$253-12%	13,997
186	Roberts	$253-12%	837
187	Motley	$253-12%	1,149
188	Floyd	$253-12%	6,313
189	Briscoe	$253-12%	1,638
190	Terry	$253-12%	12,607
191	Garza	$253-12%	6,477
192	Howard	$253-12%	35,361
193	Callahan	$252-12%	12,762
194	Concho	$252-12%	4,009
195	Menard	$252-12%	2,060
196	Irion	$252-12%	1,504
197	Crockett	$252-12%	3,693
198	Sutton	$252-12%	4,180
199	Sterling	$252-12%	1,143
200	Burleson	$252-12%	17,041
201	Jackson	$252-12%	12,833
202	Bee	$252-12%	30,923
203	Val Verde	$252-12%	48,430
204	Donley	$252-12%	3,666
205	Foard	$252-12%	1,406
206	Crosby	$252-12%	5,923
207	Pecos	$252-12%	15,569
208	Stephens	$251-13%	9,250
209	Brown	$251-13%	38,106
210	San Saba	$251-13%	5,901
211	Victoria	$251-13%	87,546
212	Refugio	$251-13%	7,475
213	Kleberg	$251-13%	32,048
214	Hale	$251-13%	37,291
215	Ochiltree	$251-13%	10,028
216	Terrell	$251-13%	927
217	Coleman	$250-13%	8,904
218	DeWitt	$250-13%	16,219
219	Lavaca	$250-13%	23,452
220	Aransas	$250-13%	20,073
221	Lipscomb	$250-13%	3,329
222	Dickens	$250-13%	2,600
223	Comanche	$249-13%	12,475
224	Karnes	$249-13%	16,373
225	Kinney	$249-13%	3,598
226	Wheeler	$249-13%	5,589
227	Collingsworth	$249-13%	2,889
228	Childress	$249-13%	7,088
229	King	$249-13%	262
230	Hall	$249-13%	3,214
231	Cottle	$249-13%	1,493
232	Stonewall	$249-13%	1,439
233	Nolan	$249-13%	15,807
234	Kent	$249-13%	743
235	Fisher	$249-13%	3,510
236	Real	$248-14%	3,351
237	Fayette	$248-14%	24,660
238	Culberson	$248-14%	2,336
239	Milam	$247-14%	24,242
240	McLennan	$247-14%	236,812
241	Runnels	$247-14%	11,065
242	Kerr	$247-14%	48,654
243	McCulloch	$246-14%	8,400
244	Goliad	$246-14%	5,967
245	Live Oak	$246-14%	8,998
246	Midland	$246-14%	134,281
247	Andrews	$246-14%	14,786
248	Jeff Davis	$246-14%	2,350
249	Taylor	$245-15%	137,201
250	Bell	$243-15%	321,262
251	Brewster	$242-16%	8,979
252	Presidio	$240-16%	7,641
253	Wichita	$239-17%	129,828
254	Tom Green	$236-18%	107,190

Compared to TX avg ($287)

County Insight

Dallas County leads the state, with Harris County and Hidalgo and Cameron counties in the Rio Grande Valley close behind. The Valley counties stand out, their elevated rates relative to population size reflect high uninsured driver exposure and cross-border claim complexity. The far West Texas counties like Brewster and Presidio are the most affordable, their sparse populations and minimal traffic keeping rates well below the rest of the state.

What Every Texas Driver Needs To Know

What are the minimum car insurance requirements in TX for 2026?

Texas requires 30/60/25 minimums: $30,000 bodily injury per person, $60,000 per accident and $25,000 for property damage. Texas is an at-fault state. Insurers are also required to offer Personal Injury Protection (PIP) of at least $2,500, which you must reject in writing if you do not want it.

Does Texas require Uninsured Motorist coverage?

Texas does not mandate UM/UIM coverage, but insurers must offer it and you must sign a written waiver to decline. Texas has a high uninsured driver rate — estimated around 20% — and is a large state where rural accidents can occur far from witnesses or immediate help. UM coverage is particularly valuable on long stretches of rural highway where at-fault drivers may flee the scene.

How does hail and weather affect Texas auto insurance premiums?

Texas sits in one of the most active hail corridors in North America and comprehensive claims from hail damage are a major cost driver for Texas insurers, particularly in the Dallas-Fort Worth Metroplex and along the I-35 corridor. If you drop comprehensive coverage to save money, a single hail storm can result in thousands of dollars in out-of-pocket repair costs. Comprehensive is strongly recommended anywhere in the state.

What are the penalties for driving uninsured in Texas?

Texas fines for a first uninsured driving offense range from $175 to $350, rising to $350–$1,000 for subsequent offenses. Your vehicle can also be impounded. Texas operates a TexasSure insurance verification system that law enforcement and the DMV use to confirm coverage in real time. A surcharge of $250 per year for three years is also added to your license fee after an uninsured conviction.

Sources: Texas DPS