Insurance in Texas

In 2023, the average Texas driver spent $1,429 per insured vehicle on liability, collision and comprehensive coverage (NAIC Auto Insurance Database Report, 2023 data). Your actual rate depends on your age, driving record, vehicle, location within Texas, and coverage levels.

Compare quotes from multiple carriers using Truvo — it's free and takes 2 minutes. Bundling car and home insurance often saves up to 25%. You can also save with a clean driving record, higher deductibles, and multi-policy discounts.

Key factors include your ZIP code within Texas, driving record, age, credit score, vehicle and home details, coverage level, and claims history. Texas has above-average auto rates due to its large driving population, weather risks, and high uninsured driver rates. Home insurance is also elevated due to hail, wind, and hurricane exposure.