USAA Texas Auto Insurance Rates
Median premium: $622/6mo across 2,600 ZIP codes.
Based on SERFF regulatory rate filings — updated March 2026.
How USAA Compares in Texas
Median 6-month premium across all rated ZIPs. USAA highlighted in blue.
Geographic Detail
Cheapest Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| Texhoma | $320 | -66% |
| Bowie | $320 | -66% |
| Forestburg | $320 | -66% |
Most Expensive Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| Alief | $1,602 | +69% |
| Bellaire | $1,545 | +63% |
| Channelview | $1,489 | +57% |
USAA Texas Insurance FAQ
ZIP Code Lookup
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Other carriers in Texas
USAA ranks #1 out of 9 carriers in Texas with a median 6-month premium of $622. This places USAA 35% below the statewide median of $950. The carrier covers 2,600 ZIP codes across the state, with premiums ranging from $320 to $1,602.
USAA is the cheapest option in 100% of Texas ZIP codes (2,600 ZIPs). The most affordable USAA rates are found in Texhoma, where the average premium is just $320. On the other end, Alief has the highest USAA premiums, averaging $1,602 per 6-month term.
All rate data is sourced from SERFF regulatory filings and validated through TrueFactor's AI-powered validation pipeline. Rates shown are for a standard driver profile (35-year-old, clean record, 2024 Toyota Camry LE, 50/100/50 liability). Actual premiums may vary based on your specific profile, driving history, and coverage selections. Data is updated continuously as new filings are processed.
Want to see rates for your ZIP code?
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.