Cheap Car Insurance in Texas 2019
Average Texas auto insurance premiums by company
| Company (click to see reviews) | Average annual premium |
|---|---|
| American National | $1,560 |
| American Alliance Insurance | $1,591 |
| Allied | $1,630 |
| Farm Bureau | $1,630 |
| Auto-Owners Insurance | $1,639 |
| The Hartford | $1,653 |
| American Casualty | $1,660 |
| Dairyland Insurance | $1,665 |
| AAA Insurance/Auto Club | $1,675 |
| 21st Century Insurance | $1,696 |
| American Family Insurance | $1,720 |
| The General | $1,720 |
| Safeway Insurance | $1,726 |
| USAA | $1,731 |
| Esurance | $1,737 |
| Travelers Insurance | $1,746 |
| Safeco | $1,762 |
| MetLife | $1,779 |
| State Farm | $1,798 |
| Allstate | $1,804 |
| Farmers Insurance | $1,818 |
| Amica | $1,823 |
| Windhaven | $1,835 |
| Mercury Insurance | $1,857 |
| Nationwide Insurance | $1,876 |
| Elephant Insurance | $1,891 |
| Liberty Mutual | $1,897 |
| Progressive Insurance | $1,904 |
| Infinity Insurance | $2,036 |
Insurance increase after a speeding ticket
Texans who get a speeding ticket see an average premium increase of 27%.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Texas | $1,773/year | $2,244/year | 27% |
| Nationwide average | 26% | ||
Insurance increase after an accident
Texas drivers who caused an accident got an average premium increase of 38%.
| State | Clean driving record | Chargeable accident, no injury | % increase |
|---|---|---|---|
| Texas | $1,773/year | $2,444/year | 38% |
| Nationwide average | 36% | ||
Insurance increase after a DUI
If you're convicted of a DUI, the average insurance increase in Texas is 27%.
| State | Clean record | DUI | % increase |
|---|---|---|---|
| Texas | $1,939/year | $2,245/year | 27% |
Average premiums in Texas cities
| City | Average annual premium |
|---|---|
| Abilene | $1,683 |
| Allen | $1,719 |
| Alvin | $1,733 |
| Amarillo | $1,748 |
| Arlington | $1,752 |
| Austin | $1,718 |
| Baytown | $1,979 |
| Beaumont | $1,977 |
| Bedford | $1,719 |
| Brownsville | $1,515 |
| Bryan | $1,681 |
| Burleson | $1,600 |
| Carrollton | $1,767 |
| Cedar Hill | $1,779 |
| Cedar Park | $1,737 |
| Cleburne | $1,693 |
| College Station | $1,652 |
| Conroe | $1,778 |
| Corpus Christi | $1,907 |
| Cypress | $1,806 |
| Dallas | $1,819 |
| Denton | $1,831 |
| Desoto | $1,765 |
| Dickinson | $1,756 |
| Edinburg | $1,582 |
| El Paso | $1,686 |
| Euless | $1,569 |
| Fort Worth | $1,762 |
| Frisco | $1,835 |
| Galveston | $1,742 |
| Garland | $1,762 |
| Georgetown | $1,757 |
| Granbury | $1,594 |
| Grand Prairie | $1,856 |
| Harlingen | $1,506 |
| Houston | $1,873 |
| Humble | $1,846 |
| Huntsville | $1,707 |
| Hurst | $1,778 |
| Irving | $1,730 |
| Katy | $1,825 |
| Keller | $1,664 |
| Killeen | $1,868 |
| Kyle | $1,834 |
| Lancaster | $1,992 |
| Laredo | $1,541 |
| League City | $1,788 |
| Leander | $1,899 |
| Lewisville | $1,825 |
| Longview | $1,693 |
| Lubbock | $1,745 |
| Lufkin | $1,775 |
| Magnolia | $2,048 |
| Mansfield | $1,786 |
| Mc Kinney | $1,745 |
| Mcallen | $1,697 |
| Mesquite | $1,792 |
| Midland | $1,809 |
| Mission | $1,786 |
| Missouri City | $1,849 |
| Montgomery | $1,765 |
| New Braunfels | $1,699 |
| North Richland Hills | $1,669 |
| Odessa | $1,905 |
| Orange | $1,979 |
| Pasadena | $1,774 |
| Pearland | $1,850 |
| Pflugerville | $1,833 |
| Plano | $1,755 |
| Port Arthur | $2,051 |
| Richardson | $1,802 |
| Richmond | $1,737 |
| Rockwall | $1,705 |
| Round Rock | $1,724 |
| Rowlett | $1,758 |
| San Angelo | $1,596 |
| San Antonio | $1,756 |
| San Marcos | $1,680 |
| Sherman | $1,821 |
| Spring | $1,850 |
| Stafford | $1,751 |
| Sugar Land | $1,777 |
| Temple | $1,644 |
| Texarkana | $1,806 |
| Texas City | $1,780 |
| The Colony | $1,802 |
| Tomball | $2,998 |
| Tyler | $1,613 |
| Victoria | $1,737 |
| Waco | $1,677 |
| Waxahachie | $1,621 |
| Weatherford | $1,690 |
| Wichita Falls | $1,664 |
| Wylie | $1,633 |
You must show an insurance ID card (or other proof of financial responsibility) if Texas if:
- Law enforcement requests it
- You renew vehicle registration
Penalties for not having auto insurance in Texas
- First offense: punishable by a fine $175 to $350; if the person is economically unable to pay, fine may be reduced to less than $175
- Subsequent offenses: fine of not less than $350 or more than $1,000
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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