Texas Auto Insurance Rates
Median premium: $950/6mo across 9 carriers and 2,600 ZIP codes.
Premiums range from $490 to $2,892 — a 5.9x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$950
per 6 months
ZIP Codes
2,600
with rate data
Carriers
9
rated in TX
Price Spread
5.9x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $622 | 2,600 ZIPs | 100% | |
| 2 | GEICO | $631 | 0 ZIPs | 0% | |
| 3 | Progressive | $907 | 0 ZIPs | 0% | |
| 4 | Farmers | $933 | 0 ZIPs | 0% | |
| 5 | Nationwide | $950 | 0 ZIPs | 0% | |
| 6 | Travelers | $967 | 0 ZIPs | 0% | |
| 7 | Liberty Mutual | $993 | 0 ZIPs | 0% | |
| 8 | State Farm | $1,096 | 0 ZIPs | 0% | |
| 9 | Allstate | $1,123 | 0 ZIPs | 0% |
Geographic Insights
Cheapest Cities in Texas
| City | Avg Median | ZIPs |
|---|---|---|
| Texhoma | $490 | 1 |
| Bowie | $490 | 1 |
| Forestburg | $490 | 1 |
| Montague | $490 | 1 |
| Muenster | $490 | 1 |
Most Expensive Cities in Texas
| City | Avg Median | ZIPs |
|---|---|---|
| Alief | $2,448 | 1 |
| Bellaire | $2,361 | 2 |
| Channelview | $2,275 | 1 |
| Missouri City | $2,210 | 2 |
| Stafford | $2,131 | 2 |
ZIP Code Extremes
Most Expensive ZIP
$2,448/6mo
77411 (Alief)
Cheapest ZIP
$490/6mo
73960 (Texhoma)
5.9x
Price Spread
The most expensive ZIP in Texas costs 5.9x more than the cheapest. Your ZIP code matters more than you think.
Texas Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Texas
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Access ZIP-level rate data across all 9 carriers, 2,600 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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