Texas car insurance calculator

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As a motorist in Texas, understanding the significance of securing car insurance that complies with the state’s minimum requirements is crucial. Yet, discovering the optimal coverage that aligns with your budget can be a challenging endeavor. This is where our Texas car insurance calculator proves invaluable.

Utilize our auto insurance calculator to approximate your annual and monthly car insurance expenses in Texas, taking into account your vehicle’s make and model. This empowers you to make well-informed decisions about your coverage.

Texas car insurance calculator

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*It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

How much is vehicle model important in calculating car insurance in Texas

In Texas, the make and model of a vehicle can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For instance, the car insurance rate for a 2022 Acura ILX 2.4L is $1,888 a year for a full coverage policy, whereas average insurance premiums in Texas for a Toyota 4Runner Limited is $1,926 annually – that’s $38 more compared to Acura ILX 2.4L.

How insurers calculate car insurance in Texas using car model year

In Texas and many other places, a car’s model year can influence how much you pay for car insurance. For example, someone with a 2021 Chevrolet Blazer 2LT pays around $2,109 a year for insurance, whereas the car insurance rate for a 2022 Chevrolet Blazer 2LT is $1,842 per year.

Does the cost of car insurance in Texas decrease as a vehicle gets older?

Usually, in Texas, car insurance becomes cheaper for older car models. As a car gets older, its value goes down because of depreciation. Because car insurance is meant to cover the repair or replacement costs, the insurance company’s responsibility decreases with an older vehicle. This leads to lower car insurance premiums in Texas.

People driving a 2020 Honda Accord LX in Texas usually pay $155 per month for full coverage car insurance. On the other hand, car insurance for the 2022 Honda Accord LX costs $152 each month in Texas, which is $3 less than the 2020 model.

Older vehicles might not be as tempting to thieves as newer ones with fancy security features. The lower risk of theft can also mean lower insurance costs.

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Texas by city

Car insurance cost estimate in Texas

The average premium for car insurance in Texas is $1,875 per year or $156 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in Texas for different coverage levels.

Car insurance in Texas usually costs about $1,875 per year or $156 per month. But remember, your actual price might be different based on the coverage you pick. Let’s take a look at estimated car insurance costs in Texas for different coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$659	$1,875	$408	$520

The bottom line: Texas car insurance calculator

The Texas car insurance calculator determines your rates based on factors such as location and vehicle make and model year. By entering your information, you can get estimated quotes from the calculator. Remember that rates may vary, and it’s wise to get quotes from multiple insurers to find the best deal tailored to your needs.