Compare Car Insurance Quotes in Texas

Compare car insurance quotes from top providers Texas to find high quality coverage at an affordable rate.

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Cheapest Car Insurance in Texas

Best Car Insurance in Texas

Texas Insurance Coverage

Texans pay a high price for car insurance because the state has more fatal car accidents and hailstorms than other states, which translate into high claims costs. Drivers pay a monthly average of$218 for state-mandated minimum coverage.

Compare this to the national average, which is currently $222.

Drivers in Texas are legally required to carry these minimum levels of coverage:

$30,000 of bodily injury per person.
$60,000 of bodily injury per accident.
$25,000 for property damage.

Car insurance by city in Texas

Cheap Car Insurance in El Paso (August 2025)

El Paso drivers have the added stress of crowded border crossings, meaning affordable and robust car insurance is a must-have.

Cheap Car Insurance in Waco, TX (August 2025)

Your car insurance rate in Waco, Texas is highly influenced by your driving history, age and other factors. Review quotes that other drivers in your area have received to find the cheapest rate.

Cheap Car Insurance in Dallas (August 2025)

Dallas drivers may pay higher premiums than Texans in more rural areas, which means it's wise to cost-compare with multiple insurers to find the best rate.

Cheap Car Insurance in Houston (August 2025)

Houston drivers can expect to pay higher car insurance premiums than those in more rural areas with fewer weather hazards, but it's still possible to find affordable coverage.

Cheap Car Insurance in San Antonio (August 2025)

As San Antonio's population grows, reliable and affordable car insurance is a must-have for residents.

Cheap Car Insurance in Fort Worth, Texas (August 2025)

A robust car insurance policy can serve Fort Worth drivers well as they navigate complex interchanges and occasionally-hazardous weather conditions.

Cheap Car Insurance in Arlington, TX (August 2025)

Arlington is a high-traffic urban area, meaning car insurance costs may be higher than more rural parts of Texas. It's wise to comparison shop with multiple insurers to find the cheapest policy.

Cheap Car Insurance in Austin (August 2025)

Austin locals have the luxury of often-mild weather and quick travel times, but visitors and traffic congestion can complicate the commute.

Find affordable car insurance in minutes.

COMPARE QUOTES

Check out recent quotes Jerry customers have gotten for car insurance in Texas.

Date of Quote	Insurance Company	Monthly Quote
August 19, 2025	Clearcover	$281
August 18, 2025	Bristol West	$266
August 18, 2025	Clearcover	$185
August 18, 2025	Liberty Mutual	$484
August 18, 2025	Mendota	$395

Last Updated Aug. 20, 2025

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

35-45 years old.
Clean driving record.
$50,000 in bodily injury liability, per person.
$100,000 in bodily injury liability, per accident.
$1,000 deductible for comprehensive and collision insurance.

Factors affecting Texas car insurance rates in 2025

Though car insurance rates are tailored to each driver, Texans face a unique set of challenges, including:

More accidents: Accidents that result in death or injury have been on the rise statewide since 2021, according to the Texas Department of Transportation (TXDOT). An increase in severe crashes is an indicator to insurers that they are more likely to have to pay out a severe accident claim, which leads them to charge higher premiums.
Dense highways: Sixteen interstates run through Texas, according to 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.
Hurricanes: The state is hit by at least one hurricane a year, on average, according to the National Oceanic and Atmospheric Administration. Many of these come up through the Gulf coast, sweeping over cities like Houston, Galveston and Corpus Christi along the way. Insurers hedge against the significant damage these storms can cause by keeping insurance costs high.
Flooding: If you live in the Hill Country, you’re going to see a good number of storms each year. This area is called Flash Flood Alley because it’s where the warm air off the Gulf collides with the cool northern air, causing extra-wet wet seasons. These storms can cause flooding substantial enough to lift cars off the road and send them downstream, and insurers view that as a risk of living in the area.
Freezes: A less common but still-trecherous occurrence in the state is a good dayslong freeze. Most cities in Texas don’t salt roads like other states do after a freeze, and some cities don’t treat the roads before one, so when it does freeze, drivers are vulnerable to slippery roads — a risk insurers account for, especially up in the Dallas-Fort Worth area.