Merrill Burchell, Car Insurance Writer
Car insurance in Texas costs an average of $1,600 to $1,900 per year, or about $135 to $160 per month, for a good driver with good credit and moderate coverage, according to industry research.
Your own car insurance rates in Texas will depend on your age, driving and credit histories, car model, coverage level, and location, among other factors. Location is a significant factor in Texas. It’s a big state with multiple metropolitan areas, many small towns and large expanses of open land. Dallas has the most expensive insurance rates in the state. They can be 50%-100% higher than rates in the cheapest areas of the state, like Killeen and New Braunfels, depending on your insurance provider. It’s very important to shop around and compare rates among insurance companies.
Not all states allow insurers to factor your credit history into your rates, but in Texas, credit scores can make at least as big of a difference as location. Drivers with poor or no credit can pay more than twice as much as drivers with excellent credit. Again, it’s important to comparison shop for your insurance policy, especially if your credit is at one end of the range or the other. How much credit scores affect car insurance costs varies significantly by insurer. In most states, for example, GEICO puts considerably less weight on credit scores than State Farm or Farmers.
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