🚗 Car insurance cost in Texas (2026)
The estimated average is $2,580 per year — above the national average (+20% vs. the U.S. average of $2,150).
Texas is home to about 30.5 million people, and car insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Houston typically differ from smaller towns.
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Texas car insurance estimator
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Car insurance cost in Texas cities
| City | Population | Est. car insurance |
|---|---|---|
| Houston | 2,314,157 | $2,890 |
| San Antonio | 1,495,295 | $2,890 |
| Dallas | 1,302,868 | $2,890 |
| Austin | 979,882 | $2,786 |
| Fort Worth | 978,468 | $2,786 |
| El Paso | 678,815 | $2,786 |
| Arlington | 394,602 | $2,683 |
| Corpus Christi | 316,239 | $2,683 |
| Plano | 285,494 | $2,683 |
| Lubbock | 263,930 | $2,683 |
| Laredo | 255,205 | $2,683 |
| Garland | 242,507 | $2,580 |
Texas car insurance FAQ
How much is car insurance in Texas?
The estimated average car insurance in Texas is $2,580 per year, which is above the national average (+20% vs. the U.S. average of $2,150). Texas ranks 13 of 51 states from most to least expensive.
Why is car insurance expensive in Texas?
Car insurance pricing in Texas reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on car insurance in Texas?
Compare at least three quotes from insurers active in Texas, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.