How Much Is Car Insurance in Texas?


Car insurance is a bit tricky to understand. We get that and we’re here to help! One reason it can feel confusing is because the prices aren’t simple to understand. Car insurance isn’t like going to the store to buy a carton of eggs. Everyone will pay a slightly different amount for their car insurance policy. Why is this? How much is car insurance in Texas? Pronto Insurance is here to break it all down for you!

Table of Contents

  • Understanding the Factors That Affect Your Car Insurance Price
  • How Much Is Car Insurance in Texas?
  • Texas Car Insurance Through Pronto Insurance

Understanding the Factors That Affect Your Car Insurance Price

If you, your neighbor, your best friend, and your mom all go to the same store to buy the same carton of eggs, you’ll all pay the same price. That is how many products in our lives work, but not insurance. These four people would more than likely all pay different amounts for car insurance.

The price you will end up paying for car insurance is based on a variety of factors. These include:

Car insurance policies aren’t a one-size-fits-all thing! You may end up paying more than your mom, because she is older, but less than your neighbor, because he has a past DUI. Your best friend elected for roadside assistance, but you only want the state minimum coverage, which means she’ll pay more than you but also have more benefits to enjoy. 

How Much Is Car Insurance in Texas?

As you can see from the examples above, this isn’t a simple question to answer. We’ll do our best, though, and this can be accomplished by looking at a few averages. 

Value Penguin found that the average price of car insurance in Texas is $666 per year. This breaks down to be $56 per month, for minimum coverage. Perhaps you want more than the minimum. The average cost of full coverage, including comprehensive and collision, is $1,872 per year or $156 per month. Of course, you’ll want to keep in mind that everyone’s rate will be different based on where they live, what car they have, their driving history, and more.

Value Penguin also found that for a full coverage policy, insurance in Texas is 4% less expensive than the national average. However, it’s one of the most expensive states for car insurance in the South. 

Texas Car Insurance Through Pronto Insurance

How much is car insurance in Texas for you as an individual? Whether you opt for full coverage, as low a monthly premium as possible, or something in between, Pronto Insurance offers the car insurance you’re looking for, at a price you’ll be happy to pay. Texas car insurance doesn’t have to be costly to provide you with the financial protection you need!


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