Compare car insurance quotes in Texas
Jerry is a free app trusted by 158,979 Texas drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
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 $382 a month for full coverage. But in Texas, Jerry drivers pay:
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$94 to $184 per month for state-mandated minimum coverage.
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$226 to $438 per month for full coverage.
Checking rates from multiple carriers is often the best way to find good deals. Over the last 12 months, Jerry has helped Texans save an average of $607 per year on coverage by comparing quotes across insurers.
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.
Does it sound too time consuming? Jerry can help! Think us as your proactive assistant. We help you compare offers side-by-side and lock in your Texas car insurance in under 10 minutes directly in the app. The app is free, and we protect your privacy by never selling your info or spamming you with calls. If you ever need extra help, our licensed agents are just a tap away.
Just remember that your final quote will depend on personal factors like your driving record, your type of car and where in Texas 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 up to 40% 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 you’re building a unique policy, matching your current coverage, or just choosing the cheapest car insurance in Texas, shopping around helps you find the right fit.
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:
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$30,000 of bodily injury per person.
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$60,000 of bodily injury per accident.
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$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.
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Coverage definitions
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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|---|---|
| $349 | |
| $280 | |
| $293 | |
| $268 | |
| $267 | |
| $284 | |
| $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.
FAQ
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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)?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.