Compare Car Insurance Quotes in Texas
Jerry is a free app trusted by 160,887 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 $153 a month for state minimum and $382 a month for full coverage. But in Texas, Jerry drivers pay:
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$92 to $187 per month for state-mandated minimum coverage.
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$228 to $434 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 $621 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
Texas ranks among the most expensive states for home insurance, driven by hurricanes on the Gulf Coast, tornadoes and hail across North Texas, and severe thunderstorms statewide. Bundling home and auto insurance is one of the most impactful ways to offset those steep premiums.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a 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 insurers is the simplest way to make sure you’re getting the right coverage at the right price. Whether you’re building a new policy, matching your current one or looking for the cheapest car insurance in Texas, it pays to see what’s out there.
That matters in Texas, where the sheer size of the state means driving conditions vary enormously. Houston and Dallas-Fort Worth traffic, West Texas highway miles, Gulf Coast weather exposure and border-region driving all produce very different risk profiles and rates. Jerry works with Texas drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
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, many 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 averages at least one hurricane a year, according to NOAA, and coastal cities like Houston, Galveston and Corpus Christi take the hardest hit. We recommend keeping comprehensive coverage because that’s what pays for storm damage, even when your car is just sitting in the driveway.
High-traffic corridors
Sixteen interstates run through Texas, and in major metros the highways can stretch to 12 lanes wide. More drivers traveling at high speeds means more crashes and more claims. Drive defensively and consider a telematics program like Jerry DriveShield, so your safer habits can translate into a lower rate.
Uninsured drivers
Nearly one in six Texas drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Rising crash severity
Accidents resulting in death or serious injury have been climbing statewide since 2021, per the Texas Department of Transportation. That trend is a red flag for insurers, and it shows up in premiums. Consider carrying liability limits that actually protect your assets, not just the state minimum.
Flood-related losses
If you live in the Hill Country, also known as Flash Flood Alley, heavy storms and flooding are part of the deal. Floodwaters can lift cars off the road and total them in minutes. Keeping comprehensive coverage is a good call if flooding is a risk where you drive or park.
Hail and freezing
Texas sees hundreds of hail events a year, according to NOAA, cracking windshields and denting panels across the state. Road salting is uncommon in most areas, so even a rare ice storm can make conditions dangerous fast. Comprehensive coverage handles hail damage, and collision coverage protects you if icy roads lead to a crash.
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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City
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Average monthly cost
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|---|---|
| $348 | |
| $280 | |
| $293 | |
| $268 | |
| $266 | |
| $284 | |
| $283 | |
| $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.