Cheap Car Insurance in Texas 2019

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Average Texas auto insurance premiums by company

Average annual premium

$1,560

$1,591

$1,630

$1,630

$1,639

$1,653

$1,660

$1,665

$1,675

$1,696

$1,720

$1,720

$1,726

$1,731

$1,737

$1,746

$1,762

$1,779

$1,798

$1,804

$1,818

$1,823

$1,835

$1,857

$1,876

$1,891

$1,897

$1,904

$2,036

Insurance increase after a speeding ticket

Texans who get a speeding ticket see an average premium increase of 27%.

Insurance increase after an accident

Texas drivers who caused an accident got an average premium increase of 38%.

Insurance increase after a DUI

If you're convicted of a DUI, the average insurance increase in Texas is 27%.

Average premiums in Texas cities

$1,683

$1,719

$1,733

$1,748

$1,752

$1,718

$1,979

$1,977

$1,719

$1,515

$1,681

$1,600

$1,767

$1,779

$1,737

$1,693

$1,652

$1,778

$1,907

$1,806

$1,819

$1,831

$1,765

$1,756

$1,582

$1,686

$1,569

$1,762

$1,835

$1,742

$1,762

$1,757

$1,594

$1,856

$1,506

$1,873

$1,846

$1,707

$1,778

$1,730

$1,825

$1,664

$1,868

$1,834

$1,992

$1,541

$1,788

$1,899

$1,825

$1,693

$1,745

$1,775

$2,048

$1,786

$1,745

$1,697

$1,792

$1,809

$1,786

$1,849

$1,765

$1,699

$1,669

$1,905

$1,979

$1,774

$1,850

$1,833

$1,755

$2,051

$1,802

$1,737

$1,705

$1,724

$1,758

$1,596

$1,756

$1,680

$1,821

$1,850

$1,751

$1,777

$1,644

$1,806

$1,780

$1,802

$2,998

$1,613

$1,737

$1,677

$1,621

$1,690

$1,664

$1,633

You must show an insurance ID card (or other proof of financial responsibility) if Texas if:

Penalties for not having auto insurance in Texas

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 21, 2019

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