Compare car insurance quotes in Texas
Jerry uses real data from 125,310 Texas drivers to help you:
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Compare insurance options in minutes.
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Bundle, buy, and switch in the app or by phone.
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Avoid long forms and phone calls.
Average Texas car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $383 a month for full coverage. But in Texas, Jerry drivers pay:
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$94 to $188 per month for state-mandated minimum coverage, and
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$226 to $440 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often get even lower rates. This last year, Jerry has helped Texans save an average of $664 on coverage just by comparing their options. Jerry makes it easy to shop rates and personalize your coverage on Texas car insurance in under 10 minutes. Our process is free and completely online, so you never have to worry about us selling your information or spamming you with phone calls.
That said, each driver’s personal price will depend on a number of factors, including your driving history, what you drive and where you live. Here are some full coverage rates that Jerry drivers in Texas have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Texas is by bundling your car and home insurance. On average, Jerry homeowners save between 15% and 25% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Texas drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage, whether that means building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Texas that you can find.
Jerry helps you find quotes from up to 20 trusted insurers in the Lone Star State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for Texas drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Texas
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Texas car insurance coverage requirements
Drivers in Texas are legally required to carry liability insurance coverage. State minimum requirements include:
- $30,000 of bodily injury per person.
- $60,000 of bodily injury per accident.
- $25,000 for property damage.
While this is the minimum insurance you need to get behind the wheel in Texas, most Jerry drivers choose to buy higher liability limits, comprehensive and collision coverage. Considering that 15% of Texas drivers are uninsured, buying uninsured/underinsured motorist (UIM) protection is also recommended.
Factors affecting Texas car insurance rates in 2026
Hurricanes
Texas gets at least one hurricane annually, on average, according to the National Oceanic and Atmospheric Administration (NOAA). This especially impacts rates in big cities like Houston, Galveston and Corpus Christi.
High-traffic corridors
Sixteen interstates run through Texas, per TXDOT, and in major cities the highways can be as wide as 12 lanes. More drivers traveling at high speeds at once creates a real risk for insurers, which they pass on to their customers in the form of higher premiums.
Uninsured drivers
Nearly one in six Texas drivers is uninsured, which bumps up the risks for everyone on the road. You can buy UM/UIM coverage to protect yourself from uninsured drivers, but this comes at an added cost.
Accident frequency
Accidents resulting in death or injury have been on the rise statewide since 2021, per the Texas Department of Transportation (TXDOT). An uptick in severe crashes is a red flag for insurers, leading to higher premiums.
Flood-related losses
If you live in the Hill Country (also known as Flash Flood Alley), you’re going to see a good number of storms each year. Many of these storms cause flooding substantial enough to lift cars off the road and send them downstream.
Hail and freezing
There are hundreds of hail events in Texas counties each year, according to NOAA, which can break windshields and ding cars. Road salting is uncommon in most areas of Texas, so even rare ice storms can cause dangerous road conditions.
Average cost of car insurance in major Texas cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $350 | |
| $282 | |
| $293 | |
| $270 | |
| $269 | |
| $285 | |
| $284 | |
| $242 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Texas quotes in as little as 2 minutes.
Learn more about driving in Texas
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Everything you need to know about Texas towing laws.
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How to register your car in Texas when moving from out of state.
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How to get a temporary license plate in Texas.
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How to get a driving license with an H4 visa in Texas.
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Learn how at-fault states affect your car insurance.
FAQs
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Is Texas an at-fault insurance state?
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Can I let someone else drive my car in Texas?
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How can I lower my Texas car insurance rates?
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What happens if I get pulled over without insurance in Texas?
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Does Texas require personal injury protection (PIP)?
