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Why Compare Car Insurance Rates in Texas:

  • On average, people who compare rates save about $970 a year on car insurance
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Introduction

'Car insurance near me' or 'insurance agent' are erroneously considered two of the easiest ways to get cheap car insurance quotes. Unfortunately it is wrong.

According to our research, the average monthly cost of auto insurance in Texas (TX) is $162 for a full coverage policy. Our car insurance shopping guide for Texas drivers is based on rate data analysis and professional advice from our experienced insurance analysts. You'll discover how much coverage to purchase, how much it will cost, and how Texas auto insurance protects you and your family.

Our team of unbiased analysts were able to put together a set of car insurance companiesthat is easy on your pocket.

You'll learn everything you need to know about buying auto insurance in Texas right here. We at Way.com have also put a spotlight on how much auto insurance you require for your specific circumstances. That means you'll know what to expect when shopping for Texas auto insurance - and you won't overspend.


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Minimum Required Auto Insurance Coverage in Texas

Drivers in Texas are expected to buy a $55000 bond or liability auto insurance. Collision and extensive coverage are optional unless you purchased the car, in which case the lender is likely to demand such coverage as the condition of the loan.

But even though you own the car, liability coverage is a must. The minimum mandatory coverage limits set out by the Texas Department of Insurance are as follows:

  • $30000 for every wounded person
  • $25000 for property loss per accident
  • $60000 for accidents in an accident
Coverage Type Washington car insurance requirements
Bodily Injury Coverage $30000 per person; $60000 per accident
Property Damage Coverage $25000
Uninsured motorist $30000 per person and $60000 per accident
Personal injury protection $2500

A policy with this minimum amount of protection is referred to as 30/60/25 coverage. Remember that these are just state minimums.

According to state law, Texas drivers must have minimum insurance coverage of $30000 per wounded person, up to a maximum of $60000 per accident. Texas drivers must also have a minimum of $25,000 in property damage coverage. These coverage criteria are defined as 30/60/25 coverage by insurance and legal professionals.

These requirements, however, are just that: minimums, and there's no guarantee that minimum coverage will cover all of your recovery and repair costs if you're in an accident. As both cars and medical services are getting more costly, the minimum sum might not cover the accident's total cost. Most insurance and advocacy associations suggest that drivers have 100/300/100 coverage instead of the state's minimum liability coverage.

Cheapest Car Insurance in Texas for Minimum Required Coverage

Getting cheap liability insurance in Texas is a good way to save money. Unfortunately, they will not provide adequate protection in the event of an accident. In Texas, the bodily injury liability limit is only $60000 per accident, which may not be enough to cover the costs of injuries in a big collision. Furthermore, minimum liability policies do not cover damage to your car, covered by comprehensive and collision insurance under a full coverage policy.

Company Avg. Annual Premium
USAA $588
Texas Farm Bureau Group $619
Allstate $674
State Farm $714
Nationwide $844
Progressive $847

Do I Need More Than the Minimum Required State Coverage in Texas?

Texas insurance law mandates that you carry at least $30000 in bodily injury coverage per person, up to a total of $60000 per accident, and $25000 in property damage coverage. These Texas insurance requirements are known as the 30/60/25 coverage ratio. Consider increasing your liability insurance in Texas.

You should choose car insurance in Texas that provides more coverage than the basic requirement. Many consumers who get only the minimum Texas auto insurance rapidly discover that these coverage limitations are insufficient in the event of an accident. What happens if the bare minimum of insurance coverage is insufficient to pay the costs of an auto accident? You could lose your home, cash, investments, and other assets if you don't pay for the damages.

Purchasing appropriate insurance to cover you in an accident, especially uninsured/underinsured motorist coverage, is a safer alternative, even if it costs more than the state minimum coverage. The company financing the car for you will want collision and comprehensive coverage if you own a newer or more expensive car.

See what you could save on auto insurance

Cost of Auto Insurance Companies in Texas

Car insurance premiums differ depending on a variety of specific variables. Your car insurance premium can be slightly higher or lower than those Texas averages, depending on your coverage level, venue, driving background, and age.

Cheapest car insurance for Texas drivers

Although a full coverage policy commonly refers to auto insurance that includes comprehensive and collision coverage, a full coverage policy does not have a single meaning. A comprehensive coverage policy of Texas insurance costs an average of $1872 annually. The cheapest full coverage insurance providers are the cheapest minimum liability insurance companies: USAA and State Farm.

  • State Farm: State Farm is the lowest insurance company overall, and state farm's full coverage policy costs an average of $1098 per year.
  • USAA: Full coverage policies with USAA cost $1410 per year on average. However, membership is required.

Prices for full coverage policies can vary dramatically amongst insurers. Because of the wide range of pricing, you should compare multiple firms when getting quotations for a full coverage policy.

Company Annual rate
State Farm $1098
Chubb $2244
Nationwide $2409
Dairyland $2655

Cheap car insurance in Texas for young Texas drivers

Teenage drivers are more likely to be involved in accidents than adult drivers, making them riskier to insure. If possible, we at Way.com recommend that teen drivers obtain full coverage insurance. Collision and comprehensive coverage are especially beneficial for teenagers, who are statistically more likely to be involved in an accident and require auto repairs.

State Farm offers the best rates for minimal coverage to Texan teenagers. A year's worth of coverage costs $1335, which is $807 less than the state average. State Farm also has the best rates for complete coverage, charging teen drivers $5453 per year.

Company Avg. Annual Premium
State Farm $7,116
Progressive $9,273
Allstate $10,567

Cheap car insurance for Texas drivers with a speeding ticket

A speeding ticket on your driving record can affect your Texas quotes, though not as much as an accident where you were at fault. According to our research, a driver's typical car insurance quote in Texas increases by 93 percent if they have a single speeding ticket on their record.

Company Average Annual Rate
State Farm $1004
USAA $1,186
Farmers Insurance $1,505
Average $1,568
Nationwide $2,015
Allstate $2,220

Cheap auto insurance for Texas drivers after a car accident

Your driving history is one of the most important factors impacting car insurance costs. If you cause an accident in Texas, your full coverage insurance rates will increase by an average of 149%. After the rate hikes, the cheapest firms remained the same: State Farm, Farmers insurance, and USAA.

Company Average Annual Rate
State Farm $1,197
USAA $1,603
Farmers Insurance $1,638
Average $2,033
Nationwide $2,570
Allstate $3,439

Cheap car insurance for Texas drivers with a DUI

Texans who acquire a ticket for DUI may see their insurance rates jump from $1878 before the citation to $2,017 after an accident. State Farm and USAA continue to offer cheap full coverage insurance in Texas for drivers with DUI.

Company Avg. Annual Premium
State Farm $2,326
USAA $2,573
Progressive $2,582
Nationwide $3,358
Allstate $3,979
Texas Farm Bureau Group $6,181

Cheapest auto insurance for drivers with poor credit

Company Monthly rate
State Farm $179
Nationwide $260
Dairyland $285
Chubb $294
USAA $187

Texas auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,996 1% $1
One Med/PIP claim $2,013 2% $27
One comp claim $2,127 8% $141
Failure to show documents $2,128 8% $142
Not-at-fault accident $2,129 8% $143
Driving with expired registration $2,145 8% $159
Driving without lights $2,157 9% $171
Failure to wear a seat belt $2,158 9% $172
Two Med/PIP claims $2,164 9% $178
Child safety restraint $2,173 10% $187
Texting while driving $2,211 12% $235
Cell phone violation $2,211 12% $225
Speeding 6 - 10 MPH over limit $2,219 12% $233
Speeding 16 - 20 MPH over limit $2,219 12% $233
Speeding 11 - 15 MPH over limit $2,219 12% $233
Speeding in school zone $2,229 13% $243
Driving too slowly $2,229 13% $243
Failure to stop at a red light $2,230 13% $244
In 65 MPH zone $2,232 13% $246
Improper passing $2,237 13% $251
Speeding 21 - 25 MPH over limit $2,241 13% $255
Wrong way/wrong lane $2,243 13% $257
Failure to yield $2,248 14% $262
Illegal turn $2,248 14% $262
Two comp claims $2,248 14% $262
Following too closely $2,252 14% $266
Passing school bus $2,262 14% $276
Operating a vehicle without permission $2,271 15% $285
At-fault accident - less than $1000 $2,469 25% $483
Driving with a suspended license $2,779 40% $793
Racing $2,781 41% $795
Reckless driving $2,822 43% $836
Open container $2,868 45% $882
Leaving scene of an accident/hit and run $2,870 45% $884
At-fault accident - $1000-$2000 $3,170 60% $1,184
At-fault accident - greater than $2000 $3,181 61% $1,195
Refusal to submit to a chemical test $3,236 63% $1,250
DUI $3,272 65% $1,286

Car insurance price trends in Texas

Year Avg. Annual Premium (Texas) Yearly Change (Texas) Avg. Annual Premium (US) Yearly Change (US)
2021 $1,594 $96 $1,539 $56
2020 $1,508 $89 $1,493 $71
2019 $1,429 -$351 $1,554 $33
2018 $1,790 -$6 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$313 $1,378 $98
2015 $1,885 $226 $1,280 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

What Is a Good Driver Discount Policy?

From firm to company, the definition of a good driver differs. Insurers examine your driving record, as well as your accident and claims history, to see if you qualify for the discount.

If you want to find out if you're eligible, talk to your insurance agent about the qualifications. If you haven't been in an accident in three years, some insurance may give you an accident-free discount, and others will only offer it after five years. Depending on the insurance, the discount is only granted to existing/continuing clients or new customers. Furthermore, the reduction percentage varies per company, and the discount may not be available for all coverages or in all jurisdictions.

If you're interested in the discount, check with your insurance agent to see if it's been applied or how you may acquire it to lower your premium. You can also inquire about it if you're thinking about moving insurance companies and comparing rates.

You can take steps to keep the discount once it has been applied to your insurance. It's simple to enhance your driving skills by taking a defensive driving course, and the training will teach you how to avoid vehicle accidents by teaching you safe driving strategies. Don't forget to stick to the regulations of the road. Your auto insurance rate is affected even if you get a speeding ticket.

The average cost of car insurance rates in top Cities


City Average Yearly Rate
Abbott$1,673
Abernathy$1,733
Abilene$1,733
Abram$2,177
Ace$1,841
Ackerly$1,781
Addison$2,213
Adkins$1,889
Adrian$1,781
Afton$1,721
Agua Dulce$1,901
Aiken$1,685
Alamo$2,201
Alamo Heights$1,985
Alanreed$1,745
Alba$1,793
Albany$1,673
Albert$1,829
Aldine$2,465
Aledo$1,817
Alice$1,949
Alief$2,225
Allen$1,949
Alleyton$1,673
Allison$1,721
Alma$1,817
Alpine$1,661
Altair$1,721
Alto$1,817
Alton$2,201
Alvarado$1,805
Alvin$1,973
Alvord$1,745
Amargosa$1,949
Amarillo$2,009
Amherst$1,733
Anahuac$1,973
Anderson$1,805
Andrews$1,733
Angleton$1,865
Anna$1,877
Annetta$1,817
Annetta North$1,817
Annona$1,721
Anson$1,697
Anthony$1,817
Anton$1,757
Apple Springs$1,781
Aquilla$1,673
Aransas Pass$1,781
Archer City$1,697
Argyle$1,853
Arlington$2,045
Armstrong$1,889
Arp$1,805
Art$1,721
Artesia Wells$1,937
Arthur City$1,721
Asherton$1,793
Aspermont$1,685
Atascocita$2,177
Atascosa$1,985
Athens$1,757
Atlanta$1,841
Aubrey$1,865
Austin$1,925
Austwell$1,757
Avalon$1,781
Avery$1,709
Avinger$1,817
Avoca$1,709
Axtell$1,685
Azle$1,781
Bacliff$1,937
Bagwell$1,745
Bailey$1,697
Baird$1,661
Balch Springs$2,225
Balcones Heights$2,117
Ballinger$1,649
Balmorhea$1,721
Bandera$1,733
Bangs$1,649
Banquete$1,901
Bardwell$1,829
Barker$1,937
Barksdale$1,745
Barnhart$1,685
Barrett$2,129
Barry$1,661
Barstow$1,697
Bartlett$1,685
Barton Creek$1,901
Bartonville$1,853
Bastrop$1,805
Batesville$1,769
Batson$1,877
Bay City$1,781
Bayou Vista$1,925
Bayside$1,865
Baytown$2,105
Beasley$1,961
Beaumont$2,105
Bebe$1,757
Beckville$1,829
Bedford$1,901
Bedias$1,793
Bee Cave$1,865
Bee House$1,661
Beeville$1,721
Bellaire$2,117
Bellevue$1,661
Bellmead$1,757
Bells$1,673
Bellville$1,733
Belmont$1,877
Belton$1,721
Ben Arnold$1,781
Ben Bolt$1,949
Ben Franklin$1,721
Ben Wheeler$1,841
Benavides$1,853
Benbrook$1,877
Bend$1,757
Benjamin$1,697
Berclair$1,721
Bergheim$1,721
Bertram$1,829
Beverly Hills$1,697
Bevil Oaks$2,009
Big Bend National Park$1,673
Big Lake$1,709
Big Sandy$1,829
Big Spring$1,733
Big Wells$1,781
Bigfoot$1,733
Biggs Field$1,865
Birome$1,685
Bishop$1,829
Bivins$1,841
Blackwell$1,697
Blanco$1,865
Blanket$1,673
Bledsoe$1,781
Bleiblerville$1,709
Blessing$1,721
Bloomburg$1,853
Blooming Grove$1,685
Bloomington$1,865
Blossom$1,721
Blue Mound$1,961
Blue Ridge$1,865
Bluegrove$1,685
Bluff Dale$1,721
Bluffton$1,757
Blum$1,709
Boerne$1,817
Bogata$1,685
Boling$1,877
Bolivar Peninsula$1,937
Bon Wier$1,829
Bonham$1,757
Booker$1,685
Borger$1,769
Bovina$1,685
Bowie$1,709
Boyd$1,805
Boys Ranch$1,793
Brackettville$1,781
Brady$1,709
Brandon$1,697
Brashear$1,673
Brazoria$1,805
Breckenridge$1,757
Bremond$1,769
Brenham$1,841
Briar$1,793
Briarcliff$1,841
Bridge City$1,961
Bridgeport$1,805
Briggs$1,745
Briscoe$1,697
Broaddus$1,793
Bronson$1,793
Bronte$1,649
Brookeland$1,829
Brookesmith$1,637
Brookshire$1,949
Brookside Village$1,973
Brookston$1,721
Brownfield$1,781
Brownsboro$1,841
Brownsville$2,069
Brownwood$1,685
Bruceville$1,685
Bruni$1,997
Brushy Creek$1,841
Bryan$1,733
Bryson$1,721
Buchanan Dam$1,781
Buchanan Lake Village$1,781
Buckholts$1,709
Buda$1,853
Buffalo$1,685
Buffalo Gap$1,673
Bullard$1,877
Bulverde$1,793
Buna$1,889
Bunker Hill Village$2,141
Burkburnett$1,601
Burkett$1,673
Burkeville$1,805
Burleson$1,841
Burlington$1,757
Burnet$1,805
Burton$1,769
Bushland$1,949
Byers$1,673
Bynum$1,661
Cactus$1,841
Caddo$1,757
Caddo Mills$1,793
Caldwell$1,793
Call$1,877
Calliham$1,793
Calvert$1,769
Camden$1,793
Cameron$1,769
Cameron Park$2,081
Camp Swift$1,805
Camp Wood$1,709
Campbell$1,721
Campbellton$1,733
Canadian$1,697
Canton$1,805
Canutillo$1,841
Canyon$1,889
Canyon Lake$1,829
Carbon$1,685
Carlsbad$1,637
Carlton$1,709
Carmine$1,757
Carrizo Springs$1,829
Carrollton$2,057
Carthage$1,817
Cason$1,781
Castell$1,709
Castle Hills$2,081
Castroville$1,817
Cat Spring$1,709
Catarina$1,781
Cayuga$1,745
Cedar Creek$1,997
Cedar Hill$2,093
Cedar Lane$1,781
Cedar Park$1,793
Cedar Point$1,817
Cee Vee$1,637
Celeste$1,769
Celina$1,949
Center$1,805
Center Point$1,709
Centerville$1,709
Central Gardens$2,069
Centralia$1,757
Chandler$1,829
Channelview$2,189
Channing$1,745
Chapman Ranch$1,937
Chappell Hill$1,829
Charlotte$1,757
Chatfield$1,697
Cherokee$1,745
Chester$1,817
Chico$1,745
Chicota$1,769
Childress$1,661
Chillicothe$1,685
Chilton$1,649
China$1,913
China Spring$1,721
Chireno$1,781
Chriesman$1,793
Christine$1,745
Christoval$1,613
Chula Vista$1,985
Cibolo$1,865
Cienegas Terrace$1,757
Cinco Ranch$1,985
Circle D-KC Estates$1,805
Cisco$1,673
Clarendon$1,721
Clarksville$1,685
Clarksville City$1,889
Claude$1,877
Clayton$1,817
Clear Lake Shores$1,889
Cleburne$1,745
Cleveland$1,961
Clifton$1,649
Clint$1,889
Cloverleaf$2,225
Clute$1,805
Clyde$1,673
Coahoma$1,649
Cockrell Hill$2,357
Coldspring$1,805
Coleman$1,673
College Station$1,697
Collegeport$1,733
Colleyville$1,805
Collinsville$1,721
Colmesneil$1,805
Colorado City$1,673
Columbus$1,697
Comanche$1,697
Combes$2,033
Combine$2,021
Comfort$1,733
Commerce$1,745
Como$1,709
Comstock$1,853
Concan$1,745
Concepcion$1,805
Concord$1,757
Conroe$1,913
Converse$1,961
Cookville$1,853
Coolidge$1,661
Cooper$1,697
Copeville$1,805
Coppell$1,961
Copper Canyon$1,853
Copperas Cove$1,745
Corinth$1,853
Corpus Christi$1,985
Corrigan$1,817
Corsicana$1,685
Cost$1,757
Cotton Center$1,721
Cottonwood Shores$1,781
Cotulla$1,781
Coupland$1,745
Covington$1,673
Coyanosa$1,697
Crandall$1,949
Crane$1,745
Cranfills Gap$1,649
Crawford$1,709
Cresson$1,781
Crockett$1,757
Crosby$2,129
Crosbyton$1,721
Cross Mountain$1,985
Cross Plains$1,685
Cross Roads$1,877
Crowell$1,661
Crowley$1,853
Crystal Beach$1,937
Crystal City$1,841
Cuero$1,709
Cumby$1,697
Cuney$1,829
Cunningham$1,685
Cushing$1,805
Cypress$2,069
Cypress Mill$1,865
D Hanis$1,721
Daingerfield$1,817
Daisetta$1,961
Dale$1,973
Dalhart$1,745
Dallardsville$1,829
Dallas$2,261
Dalworthington Gardens$1,937
Damon$1,913
Danbury$1,841
Danciger$1,913
Danevang$1,721
Darrouzett$1,709
Dawn$1,685
Dawson$1,685
Dayton$1,997
De Berry$1,853
De Kalb$1,745
De Leon$1,697
Deanville$1,817
Decatur$1,805
DeCordova$1,793
Deer Park$2,021
Del Rio$1,745
Del Valle$1,997
Dell City$1,685
Delmita$2,021
Denison$1,709
Dennis$1,685
Denton$1,853
Denver City$1,709
Deport$1,685
Desdemona$1,757
DeSoto$2,153
Detroit$1,697
Devers$1,973
Devine$1,805
Deweyville$2,045
Diana$1,925
Diboll$1,829
Dickens$1,733
Dickinson$1,949
Dike$1,685
Dilley$1,793
Dime Box$1,829
Dimmitt$1,709
Dinero$1,793
Dobbin$1,877
Dodd City$1,781
Dodge$1,793
Dodson$1,649
Doffing$2,177
Donie$1,637
Donna$2,141
Doole$1,721
Doolittle$2,237
Doss$1,745
Double Oak$1,853
Doucette$1,889
Dougherty$1,697
Douglass$1,793
Douglassville$1,805
Driftwood$1,781
Dripping Springs$1,805
Driscoll$1,853
Dryden$1,697
Dublin$1,709
Dumas$1,805
Duncanville$2,177
Dunn$1,673
Dyess AFB$1,697
Eagle Lake$1,757
Eagle Pass$1,985
Early$1,673
Earth$1,769
East Bernard$1,745
Eastland$1,721
Easton$1,937
Ecleto$1,733
Ector$1,709
Edcouch$2,165
Eddy$1,697
Eden$1,661
Edgecliff Village$1,985
Edgewood$1,853
Edinburg$2,225
Edmonson$1,769
Edna$1,697
Edroy$1,817
Egypt$1,769
Eidson Road$1,985
El Campo$1,673
El Cenizo$2,105
El Indio$1,985
El Lago$2,021
El Paso$1,889
Eldorado$1,625
Electra$1,649
Elgin$1,853
Eliasville$1,733
Elkhart$1,805
Ellinger$1,661
Elm Creek$1,985
Elm Mott$1,697
Elmaton$1,769
Elmendorf$1,901
Elmo$1,973
Elsa$2,141
Elysian Fields$1,889
Emerald Bay$1,865
Emory$1,757
Encinal$1,769
Encino$1,937
Energy$1,733
Enloe$1,721
Ennis$1,817
Enochs$1,829
Eola$1,649
Era$1,685
Escobares$2,117
Etoile$1,793
Euless$1,961
Eustace$1,781
Evadale$1,889
Evant$1,661
Everman$1,913
Fabens$1,889
Fair Oaks Ranch$1,817
Fairfield$1,673
Fairview$1,961
Falcon Heights$2,093
Falcon Mesa$1,913
Falfurrias$1,853
Falls City$1,733
Fannett$2,117
Fannin$1,709
Farmers Branch$2,153
Farmersville$1,901
Farnsworth$1,757
Farwell$1,685
Fate$1,973
Fayetteville$1,697
Fentress$1,757
Ferris$1,925
Fieldton$1,757
Fischer$1,805
Flatonia$1,805
Flint$1,877
Flomot$1,745
Florence$1,661
Floresville$1,769
Flower Mound$1,817
Floydada$1,709
Fluvanna$1,757
Flynn$1,745
Follett$1,733
Forest Hill$1,961
Forestburg$1,721
Forney$2,045
Forreston$1,817
Forsan$1,709
Fort Bliss$1,889
Fort Clark Springs$1,781
Fort Davis$1,649
Fort Hancock$1,769
Fort Hood$1,853
Fort Mc Kavett$1,697
Fort Sam Houston$1,997
Fort Stockton$1,709
Fort Worth$1,949
Four Corners$2,273
Fowlerton$1,793
Francitas$1,709
Franklin$1,685
Frankston$1,817
Fred$1,817
Fredericksburg$1,709
Fredonia$1,757
Freeport$1,829
Freer$1,817
Fresno$2,201
Friendswood$1,937
Friona$1,697
Frisco$1,889
Fritch$1,805
Frost$1,661
Fruitvale$1,805
Fulshear$1,973
Fulton$1,757
Gail$1,781
Gainesville$1,745
Galena Park$2,273
Gallatin$1,889
Galveston$2,009
Ganado$1,673
Garciasville$2,081
Garden City$1,697
Garden Ridge$1,877
Gardendale$1,805
Garfield$2,009
Garland$2,189
Garrison$1,793
Garwood$1,685
Gary$1,781
Gatesville$1,733
Gause$1,781
George West$1,781
Georgetown$1,673
Geronimo$1,709
Gholson$1,745
Giddings$1,829
Gilchrist$1,925
Gillett$1,721
Gilmer$1,901
Girard$1,721
Girvin$1,697
Gladewater$1,829
Glen Flora$1,745
Glen Rose$1,733
Glenn Heights$2,009
Glidden$1,673
Gober$1,745
Godley$1,769
Golden$1,793
Goldsboro$1,661
Goldsmith$1,781
Goldthwaite$1,685
Goliad$1,697
Gonzales$1,829
Goodfellow AFB$1,697
Goodrich$1,829
Gordon$1,709
Gordonville$1,697
Goree$1,673
Gorman$1,709
Gouldbusk$1,697
Graford$1,745
Graham$1,709
Granbury$1,829
Grand Prairie$2,081
Grand Saline$1,829
Grandfalls$1,685
Grandview$1,781
Granger$1,721
Granite Shoals$1,841
Grape Creek$1,613
Grapeland$1,745
Grapevine$1,877
Greatwood$1,985
Green Valley Farms$2,033
Greenville$1,793
Greenwood$1,781
Gregory$1,793
Groesbeck$1,649
Groom$1,745
Groves$2,093
Groveton$1,793
Grulla$2,033
Gruver$1,721
Guerra$1,985
Gun Barrel City$1,769
Gunter$1,793
Gustine$1,721
Guthrie$1,697
Guy$1,949
Hackberry$1,901
Hale Center$1,757
Hallettsville$1,745
Hallsville$1,865
Haltom City$1,961
Hamilton$1,697
Hamlin$1,697
Hamshire$2,153
Hankamer$2,033
Happy$1,709
Hardin$1,913
Hargill$2,153
Harker Heights$1,697
Harleton$1,865
Harlingen$2,045
Harper$1,709
Harrold$1,673
Hart$1,721
Hartley$1,733
Harwood$1,841
Haskell$1,673
Haslet$1,865
Hawk Cove$1,853
Hawkins$1,745
Hawley$1,721
Hearne$1,781
Heath$2,021
Hebbronville$1,889
Hedley$1,733
Hedwig Village$2,153
Heidenheimer$1,601
Helotes$2,009
Hemphill$1,793
Hempstead$1,925
Henderson$1,889
Henrietta$1,649
Hereford$1,685
Hermleigh$1,697
Hewitt$1,661
Hext$1,697
Hickory Creek$1,889
Hico$1,685
Hidalgo$2,165
Hideaway$1,877
Higgins$1,709
High Island$1,949
Highland Park$2,129
Highland Village$1,853
Highlands$2,153
Hill Country Village$1,913
Hillcrest$1,949
Hillister$1,817
Hillsboro$1,697
Hilltop Lakes$1,733
Hilshire Village$2,261
Hitchcock$1,913
Hobson$1,709
Hochheim$1,709
Hockley$1,997
Holiday Lakes$1,865
Holland$1,625
Holliday$1,685
Holly Lake Ranch$1,745
Hollywood Park$1,913
Homestead Meadows North$1,925
Homestead Meadows South$1,925
Hondo$1,769
Honey Grove$1,745
Hooks$1,781
Horizon City$1,949
Horseshoe Bay$1,757
Houston$2,309
Howe$1,721
Hubbard$1,685
Hudson$1,853
Hudson Bend$1,865
Hudson Oaks$1,781
Huffman$2,105
Hufsmith$2,117
Hughes Springs$1,853
Hull$1,973
Humble$2,177
Hungerford$1,817
Hunt$1,733
Hunters Creek Village$2,153
Huntington$1,817
Huntsville$1,805
Hurst$1,925
Hutchins$2,285
Hutto$1,769
Hye$1,829
Idalou$1,817
Iglesia Antigua$2,021
Imperial$1,685
Indian Hills$2,057
Indian Lake$1,973
Indian Springs$1,817
Industry$1,721
Inez$1,673
Ingleside$1,829
Ingram$1,745
Iola$1,757
Iowa Park$1,625
Ira$1,721
Iraan$1,697
Iredell$1,697
Irene$1,697
Irving$2,093
Italy$1,829
Itasca$1,685
Ivanhoe$1,793
Jacinto City$2,285
Jacksboro$1,709
Jacksonville$1,805
Jamaica Beach$1,973
Jarrell$1,721
Jasper$1,865
Jayton$1,733
Jbsa Lackland$2,033
Jbsa Randolph$1,817
Jefferson$1,829
Jermyn$1,709
Jersey Village$2,273
Jewett$1,673
Joaquin$1,805
Johnson City$1,877
Joinerville$1,865
Jollyville$1,877
Jones Creek$1,829
Jonesboro$1,709
Jonesville$1,889
Josephine$1,985
Joshua$1,841
Jourdanton$1,769
Juarez$2,033
Judson$1,817
Junction$1,733
Justiceburg$1,745
Justin$1,841
Kamay$1,625
Karnack$1,877
Karnes City$1,721
Katy$2,021
Kaufman$1,865
Keene$1,769
Keller$1,829
Kemah$1,865
Kemp$1,793
Kempner$1,757
Kendalia$1,709
Kendleton$1,901
Kenedy$1,721
Kennard$1,769
Kennedale$1,901
Kenney$1,769
Kerens$1,649
Kermit$1,709
Kerrick$1,709
Kerrville$1,697
Kildare$1,829
Kilgore$1,865
Killeen$1,745
Kingsbury$1,697
Kingsland$1,805
Kingsville$1,829
Kingwood$2,045
Kirby$2,033
Kirbyville$1,817
Kirvin$1,697
Klondike$1,697
Knickerbocker$1,565
Knippa$1,721
Knott$1,709
Knox City$1,673
Kopperl$1,697
Kosse$1,733
Kountze$1,889
Kress$1,697
Krugerville$1,865
Krum$1,817
Kurten$1,709
Kyle$1,913
La Blanca$2,141
La Coste$1,793
La Feria$2,021
La Grange$1,661
La Grulla$2,105
La Homa$2,189
La Joya$2,129
La Marque$1,937
La Porte$2,021
La Pryor$1,853
La Puerta$2,117
La Salle$1,709
La Vernia$1,829
La Villa$2,165
La Ward$1,745
Lackland AFB$2,033
LaCoste$1,793
Lacy-Lakeview$1,757
Ladonia$1,733
Lago Vista$1,793
Laguna Heights$1,997
Laguna Park$1,649
Laguna Vista$1,997
Laird Hill$1,865
Lake Brownwood$1,685
Lake Bryan$1,709
Lake Cherokee$1,829
Lake Creek$1,709
Lake Dallas$1,877
Lake Dunlap$1,733
Lake Jackson$1,817
Lake Kiowa$1,745
Lake Medina Shores$1,733
Lake Worth$1,889
Lakehills$1,865
Lakeside$1,913
Lakeview$1,685
Lakeway$1,865
Lamar$1,757
Lamesa$1,829
Lampasas$1,709
Lancaster$2,237
Lane City$1,793
Laneville$1,853
Langtry$1,733
Lantana$1,841
Laredo$2,093
Larue$1,781
Las Lomas$2,117
Las Palmas II$2,033
Las Quintas Fronterizas$1,985
Lasara$1,949
Latexo$1,757
Laughlin AFB$1,745
Laureles$2,033
Lavon$1,985
Lawn$1,661
Lazbuddie$1,757
Leaday$1,685
League City$1,913
Leakey$1,685
Leander$1,817
Ledbetter$1,793
Leesburg$1,805
Leesville$1,781
Lefors$1,721
Leggett$1,997
Lelia Lake$1,685
Leming$1,829
Lenorah$1,781
Leon Valley$2,129
Leona$1,697
Leonard$1,697
Leroy$1,661
Levelland$1,853
Lewisville$1,949
Lexington$1,817
Liberty$1,913
Liberty City$1,829
Liberty Hill$1,697
Lillian$1,805
Lincoln$1,829
Lindale$1,877
Linden$1,805
Lindsay$1,733
Lingleville$1,685
Linn$2,069
Lipan$1,757
Lipscomb$1,721
Lissie$1,757
Little Elm$1,961
Little River Academy$1,637
Little River-Academy$1,637
Littlefield$1,757
Live Oak$1,961
Liverpool$1,913
Livingston$1,817
Llano$1,709
Llano Grande$2,117
Lockhart$1,877
Lockney$1,745
Lodi$1,841
Log Cabin$1,769
Lohn$1,709
Lolita$1,721
Lometa$1,709
London$1,733
Lone Oak$1,781
Lone Star$1,901
Long Branch$1,853
Longview$1,901
Loop$1,733
Lopeno$1,937
Lopezville$2,213
Loraine$1,673
Lorena$1,673
Lorenzo$1,733
Los Ebanos$2,069
Los Fresnos$1,973
Los Indios$2,069
Lost Creek$1,889
Lott$1,649
Louise$1,709
Lovelady$1,757
Loving$1,685
Lowake$1,649
Lozano$2,057
Lubbock$1,889
Lucas$1,913
Lueders$1,697
Lufkin$1,841
Luling$1,877
Lumberton$1,973
Lyford$1,901
Lyons$1,769
Lytle$1,841
Mabank$1,793
Macdona$1,973
Madisonville$1,793
Magnolia$1,949
Malakoff$1,769
Malone$1,697
Manchaca$1,865
Manor$1,949
Mansfield$1,901
Manvel$1,985
Maple$1,781
Marathon$1,673
Marble Falls$1,841
Marfa$1,637
Marietta$1,817
Marion$1,865
Markham$1,769
Marlin$1,745
Marquez$1,697
Marshall$1,889
Mart$1,685
Martindale$1,829
Martinsville$1,793
Maryneal$1,649
Mason$1,697
Masterson$1,877
Matador$1,745
Matagorda$1,697
Mathis$1,841
Maud$1,793
Mauriceville$2,057
Maxwell$1,865
May$1,673
Maydelle$1,853
Maypearl$1,817
Mc Camey$1,721
Mc Caulley$1,673
Mc Dade$1,877
Mc Gregor$1,685
Mc Leod$1,853
Mc Neil$1,745
Mc Queeney$1,781
Mcadoo$1,745
McAllen$2,237
McCamey$1,733
Mcfaddin$1,685
McGregor$1,685
McKinney$1,949
McLean$1,721
McLendon-Chisholm$2,033
McQueeney$1,769
Meadow$1,805
Meadowlakes$1,841
Meadows Place$2,177
Medina$1,817
Megargel$1,685
Melissa$1,925
Melvin$1,661
Memphis$1,661
Menard$1,697
Mentone$1,709
Mercedes$2,057
Mereta$1,625
Meridian$1,673
Merit$1,757
Merkel$1,649
Mertens$1,697
Mertzon$1,625
Mesquite$2,177
Mexia$1,709
Meyersville$1,685
Miami$1,721
Mico$1,829
Midfield$1,733
Midkiff$1,721
Midland$1,757
Midlothian$1,841
Midway$1,757
Midway North$2,129
Midway South$2,129
Mila Doce$2,057
Milam$1,805
Milano$1,781
Miles$1,625
Milford$1,769
Millersview$1,649
Millican$1,745
Millsap$1,673
Minden$1,913
Mineola$1,781
Mineral$1,745
Mineral Wells$1,781
Mingus$1,709
Mirando City$2,009
Mission$2,165
Mission Bend$2,453
Missouri City$2,189
Mobeetie$1,685
Monahans$1,733
Mont Belvieu$2,057
Montague$1,709
Montalba$1,733
Monte Alto$2,165
Montgomery$1,901
Moody$1,685
Moore$1,733
Moran$1,685
Morgan$1,697
Morgan Mill$1,745
Morgan's Point Resort$1,721
Morse$1,733
Morton$1,781
Moscow$1,769
Moulton$1,685
Mound$1,733
Mount Calm$1,685
Mount Enterprise$1,805
Mount Pleasant$1,829
Mount Vernon$1,733
Mountain Home$1,697
Muenster$1,709
Muldoon$1,781
Muleshoe$1,757
Mullin$1,709
Mumford$1,757
Munday$1,673
Murchison$1,781
Murillo$2,225
Murphy$1,973
Myra$1,733
Myrtle Springs$1,817
Nacogdoches$1,817
Nada$1,853
Naples$1,805
Nash$1,877
Nassau Bay$2,057
Natalia$1,805
Naval Air Station Jrb$1,997
Navasota$1,865
Nazareth$1,721
Neches$1,757
Nederland$2,069
Needville$1,997
Nemo$1,721
Nevada$1,985
New Baden$1,673
New Boston$1,805
New Braunfels$1,769
New Caney$1,973
New Deal$1,841
New Fairview$1,817
New Home$1,805
New London$1,841
New Territory$2,009
New Ulm$1,673
New Waverly$1,853
Newark$1,829
Newcastle$1,685
Newton$1,829
Nixon$1,757
Nocona$1,685
Nolan$1,649
Nolanville$1,721
Nome$2,057
Nordheim$1,697
Normangee$1,733
Normanna$1,805
North Alamo$2,201
North Cleveland$1,997
North Houston$2,081
North Richland Hills$1,937
North San Pedro$1,901
North Zulch$1,733
Northlake$1,841
Norton$1,661
Notrees$1,757
Novice$1,697
Nursery$1,685
O Brien$1,685
Oak Grove$1,865
Oak Leaf$1,973
Oak Point$1,961
Oak Ridge North$1,937
Oak Trail Shores$1,853
Oakhurst$1,841
Oakland$1,709
Oakville$1,757
Oakwood$1,697
Odell$1,721
Odem$1,865
Odessa$1,901
Odonnell$1,793
Oglesby$1,625
Oilton$2,069
Oklaunion$1,661
Old Glory$1,685
Old Ocean$1,853
Olden$1,709
Olivarez$2,129
Olmito$2,033
Olmos Park$2,045
Olney$1,673
Olton$1,757
Omaha$1,805
Onalaska$1,829
Orange$2,057
Orange Grove$1,829
Orangefield$2,009
Orchard$1,985
Ore City$1,877
Orla$1,817
Ottine$1,829
Ovalo$1,697
Overton$1,841
Ovilla$1,985
Oyster Creek$1,829
Ozona$1,709
Paducah$1,661
Paige$1,877
Paint Rock$1,661
Palacios$1,757
Palestine$1,769
Palm Valley$2,033
Palmer$1,889
Palmhurst$2,189
Palmview$2,165
Palmview South$2,153
Palo Pinto$1,697
Paloma Creek$1,889
Paloma Creek South$1,973
Paluxy$1,769
Pampa$1,709
Pandora$1,793
Panhandle$1,829
Panna Maria$1,841
Panola$1,733
Panorama Village$1,853
Pantego$1,985
Paradise$1,841
Paris$1,757
Parker$1,925
Pasadena$2,105
Pattison$1,925
Pattonville$1,709
Pawnee$1,805
Pearland$1,973
Pearsall$1,781
Peaster$1,637
Pecan Acres$1,853
Pecan Gap$1,697
Pecan Grove$2,021
Pecan Hill$1,973
Pecan Plantation$1,781
Pecos$1,721
Peggy$1,721
Pelican Bay$1,793
Pendleton$1,613
Penelope$1,685
Penitas$2,177
Pennington$1,757
Penwell$1,721
Pep$1,745
Perezville$2,177
Perrin$1,733
Perryton$1,685
Petersburg$1,733
Petrolia$1,673
Petronila$1,829
Pettus$1,757
Petty$1,709
Pflugerville$1,829
Pharr$2,201
Pickton$1,721
Pierce$1,697
Pilot Point$1,769
Pine Harbor$1,829
Pinehurst$1,997
Pineland$1,781
Pinewood Estates$1,949
Piney Point Village$2,141
Pipe Creek$1,865
Pittsburg$1,805
Placedo$1,817
Plains$1,721
Plainview$1,817
Plano$2,009
Plantersville$1,805
Pleasanton$1,817
Pledger$1,781
Plum$1,649
Point$1,769
Point Comfort$1,721
Pointblank$1,853
Pollok$1,805
Ponder$1,781
Pontotoc$1,733
Poolville$1,685
Port Aransas$1,793
Port Arthur$2,093
Port Bolivar$1,937
Port Isabel$1,997
Port Lavaca$1,781
Port Mansfield$1,865
Port Neches$2,045
Port O Connor$1,769
Port O'Connor$1,769
Porter$2,021
Porter Heights$2,021
Portland$1,805
Post$1,757
Poteet$1,757
Poth$1,781
Potosi$1,733
Pottsboro$1,709
Pottsville$1,733
Powderly$1,685
Powell$1,661
Poynor$1,793
Prairie Hill$1,685
Prairie Lea$1,853
Prairie View$1,997
Premont$1,805
Presidio$1,649
Preston$1,709
Price$1,877
Priddy$1,685
Primera$2,033
Princeton$1,889
Proctor$1,697
Progreso$2,081
Prosper$1,937
Providence$1,889
Purdon$1,661
Purmela$1,709
Putnam$1,673
Pyote$1,697
Quail$1,685
Quail Creek$1,697
Quanah$1,673
Queen City$1,853
Quemado$1,853
Quinlan$1,853
Quitaque$1,673
Quitman$1,745
Rainbow$1,721
Ralls$1,745
Rancho Alegre$1,949
Rancho Chico$1,817
Rancho Viejo$2,069
Randolph$1,781
Randolph AFB$1,841
Ranger$1,745
Rankin$1,709
Ransom Canyon$1,829
Ratcliff$1,769
Ravenna$1,721
Raymondville$1,913
Raywood$1,997
Reagan$1,733
Realitos$1,829
Red Oak$1,973
Red Rock$1,901
Redford$1,637
Redwater$1,805
Redwood$1,877
Refugio$1,769
Reid Hope King$2,093
Reklaw$1,841
Rendon$1,877
Reno$1,805
Rhome$1,817
Ricardo$1,829
Rice$1,721
Richards$1,877
Richardson$2,045
Richland$1,685
Richland Hills$1,973
Richland Springs$1,709
Richmond$2,021
Richwood$1,817
Riesel$1,661
Ringgold$1,685
Rio Bravo$2,093
Rio Frio$1,697
Rio Grande City$2,117
Rio Hondo$2,009
Rio Medina$1,853
Rio Vista$1,769
Rising Star$1,661
River Oaks$1,997
Riviera$1,733
Roanoke$1,793
Roans Prairie$1,805
Roaring Springs$1,733
Robert Lee$1,649
Robinson$1,673
Robstown$1,901
Roby$1,685
Rochelle$1,685
Rochester$1,697
Rock Island$1,709
Rockdale$1,769
Rockport$1,757
Rocksprings$1,769
Rockwall$2,009
Rockwood$1,673
Rogers$1,637
Rollingwood$1,889
Roma$2,117
Roman Forest$1,973
Romayor$1,961
Roosevelt$1,721
Ropesville$1,805
Rosanky$1,865
Roscoe$1,637
Rosebud$1,757
Rosenberg$2,021
Rosharon$2,021
Rosita$1,985
Ross$1,697
Rosser$1,877
Rosston$1,661
Rotan$1,673
Round Mountain$1,865
Round Rock$1,793
Round Top$1,793
Rowena$1,637
Rowlett$2,093
Roxton$1,745
Royse City$1,973
Rule$1,685
Runaway Bay$1,817
Runge$1,697
Rusk$1,829
Rye$1,961
Sabinal$1,733
Sabine Pass$2,081
Sachse$2,069
Sacul$1,805
Sadler$1,697
Saginaw$1,925
Saint Hedwig$1,925
Saint Jo$1,697
Salado$1,649
Salineno$2,117
Salt Flat$1,685
Saltillo$1,685
Sam Norwood$1,769
Sam Rayburn$1,817
San Angelo$1,625
San Antonio$2,045
San Augustine$1,793
San Benito$2,045
San Carlos I$2,093
San Diego$1,817
San Elizario$1,925
San Felipe$1,769
San Isidro$1,973
San Juan$2,201
San Leon$1,961
San Marcos$1,889
San Patricio$1,853
San Saba$1,733
San Ygnacio$1,937
Sand Springs$1,733
Sanderson$1,697
Sandia$1,829
Sanford$1,733
Sanger$1,745
Sansom Park$1,997
Santa Anna$1,673
Santa Elena$1,985
Santa Fe$1,925
Santa Maria$2,009
Santa Rosa$2,021
Santo$1,709
Saragosa$1,829
Saratoga$1,913
Sarita$1,865
Satin$1,697
Savannah$1,865
Savoy$1,673
Scenic Oaks$1,901
Schertz$1,853
Schulenburg$1,673
Schwertner$1,721
Scotland$1,685
Scottsville$1,721
Scroggins$1,745
Scurry$1,865
Seabrook$2,021
Seadrift$1,781
Seagoville$2,069
Seagraves$1,733
Sealy$1,793
Sebastian$1,889
Seguin$1,733
Selma$1,877
Selman City$1,721
Seminole$1,769
Serenada$1,637
Seth Ward$1,817
Seven Points$1,793
Seymour$1,673
Shady Hollow$1,913
Shady Shores$1,841
Shallowater$1,817
Shamrock$1,709
Shavano Park$2,009
Sheffield$1,697
Shelbyville$1,841
Sheldon$2,237
Shenandoah$1,877
Shepherd$1,961
Sheppard AFB$1,673
Sheridan$1,709
Sherman$1,733
Sherwood Shores$1,685
Shiner$1,685
Shiro$1,781
Shoreacres$2,033
Sidney$1,697
Sienna Plantation$2,057
Sierra Blanca$1,709
Siesta Acres$1,985
Siesta Shores$1,913
Silsbee$1,961
Silver$1,637
Silverton$1,673
Simms$1,745
Simonton$1,937
Sinton$1,817
Skellytown$1,697
Skidmore$1,793
Slaton$1,793
Slidell$1,793
Smiley$1,757
Smithville$1,829
Smyer$1,805
Snook$1,781
Snyder$1,721
Socorro$1,913
Somerset$1,901
Somerville$1,769
Sonora$1,673
Sour Lake$1,949
South Alamo$2,201
South Bend$1,733
South Houston$2,393
South Mountain$1,721
South Padre Island$1,937
South Plains$1,697
Southlake$1,865
Southmayd$1,733
Southside Place$2,105
Spade$1,781
Sparks$1,937
Spearman$1,721
Spicewood$1,841
Splendora$1,973
Spring$2,033
Spring Branch$1,841
Spring Valley Village$2,261
Springlake$1,721
Springtown$1,865
Spur$1,709
Spurger$1,793
St. Hedwig$1,925
St. Jo$1,697
St. Paul$1,817
Stafford$2,189
Stamford$1,709
Stanton$1,757
Staples$1,841
Star$1,709
Stephenville$1,709
Sterling City$1,673
Stinnett$1,757
Stockdale$1,793
Stonewall$1,829
Stowell$2,009
Stratford$1,781
Strawn$1,745
Streetman$1,661
Sublime$1,733
Sudan$1,781
Sugar Land$2,045
Sullivan City$2,129
Sulphur Bluff$1,685
Sulphur Springs$1,709
Summerfield$1,745
Sumner$1,673
Sundown$1,817
Sunnyvale$2,093
Sunray$1,769
Sunrise Beach Village$1,697
Sunset$1,757
Sunset Valley$1,949
Surfside Beach$1,829
Sutherland Springs$1,781
Sweeny$1,793
Sweet Home$1,721
Sweetwater$1,661
Sylvester$1,673
Taft$1,757
Taft Southwest$1,757
Tahoka$1,805
Talco$1,745
Talpa$1,709
Talty$2,045
Tarpley$1,709
Tarzan$1,865
Tatum$1,937
Taylor$1,721
Taylor Lake Village$2,021
Teague$1,637
Tehuacana$1,697
Telegraph$1,733
Telephone$1,721
Telferner$1,781
Tell$1,673
Temple$1,649
Tenaha$1,817
Tennessee Colony$1,745
Tennyson$1,661
Terlingua$1,673
Terrell$1,949
Terrell Hills$1,973
Texarkana$1,841
Texas City$1,949
Texhoma$2,021
Texline$1,757
The Colony$1,937
The Hills$1,877
The Woodlands$1,889
Thicket$1,901
Thomaston$1,805
Thompsons$2,057
Thorndale$1,781
Thornton$1,661
Thrall$1,721
Three Rivers$1,769
Throckmorton$1,709
Tiki Island$1,973
Tilden$1,817
Timberwood Park$1,997
Timpson$1,793
Tioga$1,661
Tivoli$1,757
Tokio$1,721
Tolar$1,769
Tom Bean$1,733
Tomball$2,045
Tool$1,793
Tornillo$1,853
Tow$1,781
Toyah$1,721
Toyahvale$1,721
Trent$1,637
Trenton$1,757
Trinidad$1,721
Trinity$1,829
Trophy Club$1,781
Troup$1,781
Troy$1,625
Tuleta$1,733
Tulia$1,709
Turkey$1,697
Tuscola$1,709
Tye$1,673
Tyler$1,877
Tynan$1,829
Umbarger$1,913
Universal City$1,865
University Park$2,105
Utopia$1,709
Uvalde$1,721
Uvalde Estates$1,721
Val Verde Park$1,757
Valentine$1,673
Valera$1,697
Valley Mills$1,709
Valley Spring$1,709
Valley View$1,673
Van$1,829
Van Alstyne$1,769
Van Horn$1,685
Van Vleck$1,781
Vancourt$1,625
Vanderpool$1,733
Vega$1,757
Venus$1,805
Veribest$1,505
Vernon$1,637
Victoria$1,709
Vidor$2,033
Villa Verde$2,117
Village Mills$1,865
Vinton$1,805
Voca$1,709
Von Ormy$1,973
Voss$1,685
Votaw$2,045
Waco$1,721
Wadsworth$1,745
Waelder$1,829
Waka$1,709
Wake Village$1,865
Walburg$1,673
Wall$1,673
Waller$1,985
Wallis$1,925
Wallisville$2,021
Walnut Springs$1,697
Warda$1,709
Waring$1,841
Warren$1,865
Warrenton$1,793
Washington$1,817
Waskom$1,889
Watauga$1,925
Water Valley$1,637
Waxahachie$1,841
Wayside$1,841
Weatherford$1,757
Webster$2,045
Weesatche$1,709
Weimar$1,709
Weinert$1,673
Weir$1,673
Welch$1,781
Wellborn$1,649
Wellington$1,697
Wellman$1,757
Wells$1,841
Wells Branch$1,853
Weslaco$2,117
West$1,685
West Alto Bonito$2,117
West Columbia$1,841
West Lake Hills$1,889
West Livingston$1,817
West Odessa$1,949
West Orange$2,057
West Point$1,769
West University Place$2,117
Westbrook$1,661
Westdale$1,829
Westhoff$1,697
Westlake$1,781
Westminster$1,877
Weston$2,009
Weston Lakes$1,949
Westover Hills$1,889
Westway$1,841
Westwood Shores$1,829
Westworth Village$1,985
Wharton$1,769
Wheeler$1,697
Wheelock$1,757
White Deer$1,721
White Oak$1,853
White Settlement$1,901
Whiteface$1,769
Whitehouse$1,865
Whitesboro$1,697
Whitewright$1,721
Whitharral$1,817
Whitney$1,649
Whitsett$1,745
Whitt$1,769
Wichita Falls$1,625
Wickett$1,697
Wiergate$1,829
Wild Peach Village$1,817
Wildorado$1,841
Willis$1,925
Willow City$1,745
Willow Park$1,781
Wills Point$1,817
Wilmer$2,189
Wilson$1,733
Wimberley$1,829
Windcrest$1,949
Windom$1,745
Windthorst$1,697
Wingate$1,673
Wink$1,709
Winnie$2,057
Winnsboro$1,709
Winona$1,841
Winters$1,661
Woden$1,793
Wolfe City$1,685
Wolfforth$1,793
Woodbranch$1,973
Woodcreek$1,817
Woodlake$1,829
Woodlawn$1,925
Woodsboro$1,781
Woodson$1,733
Woodville$1,853
Woodway$1,613
Wortham$1,673
Wrightsboro$1,817
Wyldwood$1,997
Wylie$2,069
Yancey$1,745
Yantis$1,757
Yoakum$1,685
Yorktown$1,697
Zapata$1,913
Zavalla$1,805
Zephyr$1,673

How to find the best car insurance in Texas

When it comes to who gets the best auto insurance in Texas, drivers who reside in remote areas with less traffic and have the cheapest cars are frequently the ones who get the best car insurance in Texas. Several other characteristics influence your price, including your gender, age, and whether or not you are married. One of the essential elements, however, is the credit score.

Another approach to save money is to shop around for insurance. Each insurance company sets its rates, and no two policies are the same. Depending on whether you buy liability, comprehensive, or collision coverage, the cost varies significantly.

Take into account the quantity and types of coverage specified on your quote. Keep in mind that you want the greatest coverage for your money. Don't forget to check the deductible, which is the amount you'll have to pay out of pocket if you have an accident.

The average cost of car insurance in Texas

Have you always wondered how much is car insurance in Texas? According to our research, the average monthly cost of car insurance in Texas (TX) is $159 for a full coverage policy. Our car insurance shopping guide for Texas drivers is based on rate data analysis and professional advice from our experienced team of insurance analysts.

Reasons Why Auto Insurance Costs More in Texas

You're not alone if you've noticed your auto insurance quotes steadily rising. Car insurance prices have risen for everyone in general during the last few years. There is no single explanation for why auto insurance is so expensive in Texas, and however, there are a few factors that could be causing it:

  • Population concentration
  • Rise in accidents
  • Increased speed limits
  • Uninsured motorists
  • Minimum requirements on the higher side
  • Natural calamities

Things to Know About Car Insurance When Moving to Texas

When you're moving to a new state, the last thing you want to think about is getting insurance. If you've recently relocated to Texas or have lived there your entire life and want to make sure you're receiving the best bargain, it's critical to learn everything you can about auto insurance.

  • According to surveys, Texans pay significantly more for auto insurance than the national average. Knowing the minimum coverage levels and what you can do to reduce the cost of your premium is beneficial.
  • In the United States, the average yearly cost of auto insurance is $963, while the average cost in Texas is $1050. This is slightly under a tenth of a percent higher than the national average. It's important to remember that average car insurance rates can only tell you so much.
  • Various elements go into determining the cost of your coverage, and they depend on both you and the insurance company you choose. While you shouldn't put too much weight on that number, it is useful to bear in mind while you shop for the greatest deal.
  • One of these considerations is the location where you live. The most expensive cities in Texas are Houston, McAllen, and Mission, while the least expensive cities are Memphis, Ballinger, and Childress. These distinctions are based on population density and average travel time.

Car Insurance Discounts in Texas

You can get the cheapest car insurance in Texas through discounts. Your Texas quotesof car insurance might be on the higher side but once you activate the following discounts you will be eligible for cheap insurance in Texas. Some insurers offer an annual discount on the prepayment of your premium. Here are several more auto insurances offers that could be made available from some of the best insurance companies in Texas.

Category Nationwide Allstate State Farm USAA
Multi-Policy YES YES YES YES
Good Student YES YES YES YES
Eco-Friendly or Hybrid Vehicle NO NO NO NO
Automatic Payments YES YES NO NO
Vehicle Safety Equipment NO YES YES NO
Anti-Theft Equipment YES YES YES NO
Good Driving History YES NO YES YES
Low Mileage YES NO NO YES
New Vehicle NO YES NO NO

See what you could save on auto insurance

Texas Car Insurance Laws

Individuals that are not eligible for liability insurance by conventional the Texas Car Insurance Plan Association can protect channels. Applicants must comply with these conditions to qualify:

  • Have a valid license for a driver
  • Be a resident of Texas or a car registered in Texas
  • Certify that two or more firms have refused insurance coverage in the past 60 days.

Texas provides harsh fines for uninsured motorists. Uninsured drivers will face punishment for the following:

  • First offense: $175—$350 fine
  • Second offense: $350–$1,000 fine, two-year revocation of driver's license and vehicle impoundment;
  • Driving without a license: up to $2,000 in penalty and 180 days in prison.

Texas has also launched TexasSure, an electronic database that detects drivers who do not have compulsory insurance coverage. This service shall warn drivers who cause their coverage to lapse.

Individuals that are not eligible for liability insurance by conventional the Texas Car Insurance Plan Association can protect channels. Applicants must comply with these conditions to qualify:

  • Have a valid license for a driver
  • Be a resident of Texas or a car registered in Texas
  • Certify that two or more firms have refused insurance coverage in the past 60 days.

Texas car insurance requirements

All drivers in Texas are required by law to have proper auto insurance. Although Texas does not require drivers to obtain uninsured and underinsured motorist coverage, it is a good idea to have it in your policy.

This sort of insurance covers you if you're hurt in an accident caused by a driver who doesn't have insurance or doesn't have enough coverage to cover your losses.

We have covered the minimum requirements of car insurance in Texas in the section 'Minimum Required Auto Insurance Coverage in Texas'.

What is PIP? What is the importance of PIP in Texas?

PIP insurance is a type of first-party auto insurance that covers your medical bills, lost earnings, and other costs if you are injured in a car accident. Medical expenditures for passengers in your car who are injured in a collision are also covered by PIP.

Unless you sign a waiver denying coverage, personal injury protection (PIP) insurance is required in Texas. If you decline the coverage, you may find yourself uninsured if you are unexpectedly wounded in an accident and face large medical bills or lost pay.

In Texas, personal injury protection coverage compensates for you and your passengers if you or your passengers are injured in an automobile collision, regardless of who is at fault.

PIP includes:

  • Reasonable medical costs, including necessary surgeries, X-rays, dental or eye treatments, medical procedures, prosthetic devices, and professional nursing
  • Ambulance services
  • Rehabilitation therapies
  • Funeral services
  • Lost income resulting from the accident
  • Replacement of necessary services provided by the injured party, such as family care or household maintenance, if the injured is not an income producer.

What is the cost of PIP in Texas?

Every driver in Texas must have at least $2,500 in personal injury protection (PIP) insurance. If you want more financial security, you can usually get coverage for $5,000 or $10,000. The policy limit refers to the total benefits available across all expenses for each person injured in an accident.

In Texas, personal injury protection insurance costs vary depending on where you reside, how much coverage you need, and your driving record. To guarantee you're obtaining a good rate, we recommend checking quotes from at least three to four insurers before deciding on a policy.

If you buy more coverage than the $2,500 minimum, the cost of PIP insurance usually goes up a little. In Texas, declining PIP coverage does not affect your liability insurance premiums, as it would in a pure no-fault jurisdiction. No tort barrier in Texas limits your ability to file a claim against another party involved in an accident. Tort thresholds are common in no-fault states that require PIP insurance because they limit lawsuits to only those with serious injuries.

Personal injury protection insurance only covers expenditures incurred within three years of an accident. However, we encourage that you notify the insurer as soon as you become aware of any injuries or expenses.

When making a claim, including all receipts, bills, payment proof, and other related papers to ensure that it is processed fast, it's critical to keep track of all treatments and charges and to collect documentation from the proper service provider proving that they were related to the car accident.

Otherwise, you might not be able to get a complete refund. PIP only pays 80% of lost wages as a result of an accident, and it frequently needs proof of income previous to the collision and proof that the injuries were directly related to the loss of income.

Similarly, PIP pays for 80% of a caregiver's expenses while injured.

Auto Insurance Coverage Types

Most drivers do not consider car insurance unless they are forced to. Most people buy car insurance without giving it much thought or knowing exactly what their policy covers.

In Texas, drivers are responsible for the costs of any collisions they cause. If another driver causes a collision that results in injury, the victim may be eligible to seek compensation through a personal injury or wrongful death claim.

The majority of people buy car insurance to cover the costs of causing a collision. In reality, Texas law mandates that all motorists carry liability insurance. When an insured's negligence or misconduct results in personal injury or property damage, the insured's coverage may offer reimbursement for the following costs:

  • Medical and funeral costs, lost wages, compensation for pain and suffering
  • Car repair or replacement costs
  • The cost of a car rental

Even though Texas law only mandates liability coverage, many insurance firms employ a standardized policy called the Texas Personal Automobile Policy, which includes eight different categories of coverage:

Many Texas drivers choose to carry some of the Texas Personal Automobile Policy's optional coverages.

Proof of Auto Insurance in Texas

Drivers in the state shall have evidence of insurance or alternative documents. You need to provide proof of insurance under a variety of circumstances:

  • As ordered by the police.
  • Involved in a traffic accident
  • Registration and renewal of vehicle registration
  • When applying for and renewing a license for a driver

Auto insurers are expected to send insurance cards to policyholders. Individuals depending on insurance alternatives will obtain certificates instead of an insurance card. You can use your mobile to hold your card.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Who has the cheapest car insurance in Texas?

State Farm has the cheapest car insurance in Texas

What is the average cost of car insurance in Texas?

Texas's average auto insurance premium is $1415 per year—9 percent lower than the US average. However, the cost of car insurance is impacted by more than just state lines. Auto insurance rates include various variables, including age, gender, marital status, credit, and driving background.

Is car insurance high in Texas?

In Texas, car insurance is more expensive than the national average for full coverage, but less than the national average for limited coverage, which is about $1500 a year for full coverage and about $600 per year for minimum coverage.

What auto insurance coverage is required in Texas?

Texas law allows you to have at least $30000 in liability coverage per person, up to a limit of $60000 per accident, and $25000 in property damage coverage. Opt to buy increased liability coverage.

Who has the best insurance rates in Texas?

State Farm has the cheapest average cost when compared to other insurers. State Farm would cost $527 per year.

How much is car insurance in Texas?

The average cost of auto insurance in Texas is $77 a month for minimum insurance coverage.

What is the minimum car insurance required in Texas?

Texas law allows you to have at least $30000 in liability coverage per person, up to a limit of $60000 per accident, and $25000 in property damage coverage. Opt to buy increased liability coverage.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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