In Texas, most auto insurance projects cost between $500 and $3,000 per year, with a typical price near $1,200. Local labour, permits and materials move the final price, so treat the range below as a planning guide.
Typical auto insurance cost
$500 – $3,000
per year · typical $1,200
A general planning range, not a quotation.
Auto insurance cost breakdown
- Minimum liability$300 – $800typical $500
- Full coverage$800 – $2,000typical $1,200
- High-risk driver$2,000 – $5,000typical $3,000
At a glance
- Typical range$500 – $3,000
- Unitper year
- Cities covered91
What Auto Insurance costs
Average annual premium for a standard policy. Rates vary by state/province, driving record, and coverage level. Shop around for best deals.
By city in Texas
- Abilene
- Allen
- Amarillo
- Arlington
- Atascocita
- Austin
- Baytown
- Beaumont
- Bedford
- Brownsville
- Bryan
- Burleson
- Carrollton
- Cedar Hill
- Cedar Park
- Channelview
- College Station
- Conroe
- Coppell
- Corpus Christi
- Dallas
- DeSoto
- Denton
- Duncanville
- Edinburg
- El Paso
- Euless
- Farmers Branch
- Flower Mound
- Fort Worth
- Friendswood
- Frisco
- Galveston
- Garland
- Georgetown
- Grand Prairie
- Grapevine
- Haltom City
- Harlingen
- Houston
- Hurst
- Irving
- Keller
- Killeen
- Kyle
- Lake Jackson
- Laredo
- League City
- Leander
- Lewisville
- Little Elm
- Longview
- Lubbock
- McAllen
- McKinney
- Mesquite
- Midland
- Mission
- Mission Bend
- Missouri City
- New Braunfels
- North Richland Hills
- Odessa
- Pasadena
- Pearland
- Pflugerville
- Pharr
- Plano
- Port Arthur
- Richardson
- Rockwall
- Rosenberg
- Round Rock
- Rowlett
- San Angelo
- San Antonio
- Schertz
- Sherman
- Spring
- Sugar Land
- Temple
- Texarkana
- Texas City
- The Colony
- The Woodlands
- Tyler
- Waco
- Waxahachie
- Weslaco
- Wichita Falls
- Wylie
Frequently asked questions
What factors affect my premium most?
Age, driving history, location, vehicle type, and credit score (US) are primary. Safer drivers get lower rates.
How can I lower my auto insurance cost?
Bundle policies, increase deductible, maintain good credit, and ask for discounts like safe driver or multi-vehicle.
How much does insurance go up after an accident?
Typically 20-50% for at-fault accidents, lasting 3-5 years. Accident forgiveness can prevent increases.