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Auto insurance rates, minimum coverage requirements, and driver statistics for Texas (TX).
Avg Annual Premium
$1,940
$214 above national avg
Cost Rank
#13
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
14.1%
of drivers
Min Liability
$640/yr
Legal minimum
Average Premium
$1,940/yr
State average
Full Coverage
$1,940/yr
Comprehensive + Collision
Texas requires:
30/60 / 25 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $5,238 | $5,917 | $4,559 |
| 20-25 | $3,492 | $3,880 | $3,104 |
| 26-35 | $2,134 | $2,231 | $2,037 |
| 36-45 | $1,940 | $1,979 | $1,901 |
| 46-55 | $1,843 | $1,882 | $1,804 |
| 56-65 | $1,785 | $1,824 | $1,746 |
| 65+ | $2,037 | $2,095 | $1,979 |
Rates shown are annual averages for each age group in Texas. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Texas | National Avg |
|---|---|---|
| Average Annual Premium | $1,940 | $1,726 |
| Uninsured Rate | 14.1% | 11.1% |
| Registered Vehicles | 23,899,720 | 5,330,804 |
| Accidents per Year | 358,495 | 79,962 |
Population
29,146,000
Registered Vehicles
23,899,720
Accidents per Year
358,495
Vehicles per Capita
0.82
The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.
Read our full methodology or contact us with corrections.