Texas ranks as the 13th-costliest state for car insurance, with an average full-coverage premium of $2,470 in 2025, about 15% above the national average. Despite an 8% rate drop in 2025, costs rose nearly 58% since 2021 due to factors like severe weather, high traffic and accident rates, uninsured drivers, high speed limits, inflation, and location. Rates may rise slightly in 2026. To lower premiums, drivers can seek discounts, bundle policies, choose higher deductibles, drive safely, and compare quotes.
