Auto Insurance
3 min read

What Is The Average Cost Of Car Insurance In Texas?

Published on
April 26, 2022

Car insurance in Texas can be expensive, generally close to $1,800 dollars a year. That’s more than 25% more than the U.S. average, but auto insurance can be affected more than just by state lines. Factors including age, gender, marital status, credit score, driving violations, and coverage level can adjust premiums up or down.

In this article, we will look at those factors and see how prices elsewhere compare to providing coverage and the average cost of care insurance in Texas.

Care Insurance Rate Factors


Your car insurance rates generally decrease as you get older. Typically, car insurance is more costly as a young driver, as insurance companies see teen drivers as more of a risk or less responsible. In Texas, the average cost for auto insurance for a teen driver is around $7,300 per year, compared to $1,500 per year for a driver between the ages of 50-59. Texas is the 37th cheapest when it comes to first year drivers. Just something to keep in mind. 


Gender doesn’t have a significant impact on your car insurance as say location or age would.  Generally, it is used as a rating factor by auto insurers and price does not vary too far one way or the other.


Marriage can definitely be a benefit when it comes to saving on your policy. On average, married Texans can save close to $200 a year on their coverage. This rate is actually higher than the national average, which is right around $75 per year. On the flip side, Texas is the sixth most expensive state in the United States for those who are single.


Credit can be a big factor in terms of saving money on your car insurance. Data trends show us that the higher your credit score, the more insurable the individual. In Texas, the average driver who carries a credit score of 800 or higher can save nearly $1,700.

Finding insurance coverage with a bad credit history can be an tough task, but shopping around can help alleviate some of that stress. Or you can switch to car insurance company that believes the use of credit score in insurance pricing is unfair—like us.

Driving Record

Keeping a clean driving record is the simplest way to keep the average cost of your car insurance down in texas. If you are found to be at fault in an accident or charged with a driving offense, insurance rates are sure to rise. The more this happens, the more expensive your insurance coverage gets. For instance, if you are convicted of a DUI in Texas, your rates can rise by as much as $700, and a traffic accident could bring an increase of close to $1,000.

Coverage Selection

Finally, how much you are going to pay in car insurance depends on the type of coverage you decide to put on your vehicle. Liability coverage is usually less expensive but also required. Your premiums can get pricey when you add in comprehensive and collision coverage.

How LOOP Can Help

If you are looking for the best insurance coverage in Texas, LOOP is for you. We are committed to making insurance purchases as easy as possible, transparent, and fair to all drivers.

LOOP provides coverage for all of Texas from Austin to Dallas and San Antonio. Get a quote today!

Quick Navigation

You don’t need a good credit score to have great car insurance!

Check out how much you could save today.

Check Our Prices
You don’t need a good credit score to have great car insurance!

Check out how much you could save today.

Check Our Prices
A weekly newsletter with useful info to help you get to where you’re going.
By subscribing you agree to with our Privacy Policy and provide consent to receive updates from our company.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.