Published car-insurance premium data for Texas (2025)
The lowest single filed rate anywhere in this survey is $198 and the highest is $40,402 — 204.1× apart, for defined hypothetical drivers.
Texas Department of Insurance · rates effective 1 June 2025 · annual premiums · 283,500 filed rates · retrieved 9 August 2026 · source document
- Driver profiles published
- 324
- Counties published
- 25
- Filed rates behind these pages
- 283,500
- Policy term
- annual
What TDI publishes, and why it looks like this
The Texas Department of Insurance runs an annual data call and publishes the results through a public rate-comparison service rather than a document. Every insurer above a size threshold files a sample rate for each combination of driver, vehicle, coverage limit and location the department defines, and the department assigns its own profile identifier to each combination. That identifier is what every profile on this site is keyed to. The grid is factorial and large: 324 driver profiles across 25 counties, 283,500 filed rates in all.
This data call is liability only. There is no comprehensive, collision, personal-injury or uninsured-motorist cover in it and no deductibles exist in the dataset at all, so its figures are not comparable with a full-coverage survey from another state. Rates are quoted per annual. We publish counties rather than ZIP codes because the department’s own figures are identical across ZIP codes that share a rating territory, and a per-ZIP page would mint thousands of duplicates of the same six numbers.
What these figures are, and what they are not
Each figure is computed from the premiums insurers filed with Texas Department of Insurance for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.
Liability only. TDI’s data call carries no comprehensive, collision, PIP, uninsured-motorist or medical-payments cover, and no deductibles exist in this dataset. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.
Every county TDI publishes
| County | Combinations | Lowest filed | Median range | Highest filed |
|---|---|---|---|---|
| Harris County sampled ZIP 77002 | 324 | $362 | $976–$7,980 | $37,464 |
| Dallas County sampled ZIP 75001 | 324 | $264 | $810–$6,142 | $30,778 |
| Tarrant County sampled ZIP 75050 | 324 | $261 | $717–$5,850 | $30,199 |
| Bexar County sampled ZIP 78002 | 324 | $326 | $792–$6,592 | $32,607 |
| Travis County sampled ZIP 78610 | 324 | $242 | $729–$5,700 | $31,188 |
| Collin County sampled ZIP 75002 | 324 | $261 | $718–$5,276 | $29,819 |
| Denton County sampled ZIP 75007 | 324 | $234 | $812–$5,634 | $37,866 |
| Fort Bend County sampled ZIP 77053 | 324 | $348 | $794–$7,230 | $29,971 |
| Hidalgo County sampled ZIP 78501 | 324 | $321 | $914–$7,142 | $35,132 |
| El Paso County sampled ZIP 79821 | 324 | $228 | $641–$4,952 | $27,611 |
| Montgomery County sampled ZIP 77301 | 324 | $280 | $688–$5,880 | $28,898 |
| Williamson County sampled ZIP 76511 | 324 | $254 | $658–$5,518 | $28,354 |
| Cameron County sampled ZIP 78520 | 324 | $269 | $822–$6,574 | $35,069 |
| Brazoria County sampled ZIP 77422 | 324 | $247 | $649–$4,698 | $35,194 |
| Bell County sampled ZIP 76501 | 324 | $198 | $575–$4,298 | $22,608 |
| Galveston County sampled ZIP 77510 | 324 | $286 | $765–$6,092 | $40,402 |
| Nueces County sampled ZIP 78330 | 324 | $299 | $799–$7,370 | $35,565 |
| Lubbock County sampled ZIP 79250 | 324 | $221 | $629–$4,878 | $32,172 |
| Hays County sampled ZIP 78610 | 324 | $260 | $685–$5,901 | $26,768 |
| Webb County sampled ZIP 78040 | 324 | $251 | $719–$5,758 | $34,341 |
| McLennan County sampled ZIP 76524 | 324 | $216 | $616–$4,508 | $23,306 |
| Jefferson County sampled ZIP 77613 | 324 | $302 | $771–$6,944 | $33,684 |
| Brazos County sampled ZIP 77801 | 324 | $203 | $598–$4,649 | $33,092 |
| Smith County sampled ZIP 75647 | 324 | $243 | $741–$5,752 | $26,853 |
| Ellis County sampled ZIP 75101 | 324 | $244 | $661–$5,426 | $22,453 |
The other dimension of this survey
TDI rates 324 driver profiles as well. Every one of them appears on the pages above, as a row inside each county page. The transposed pages — one page per driver profile, carrying every county — are a later batch, and are named here rather than linked because they do not exist yet.
- Single female, age 16 to 24, one at-fault accident, 100/300/100 limits
- Single female, age 16 to 24, one speeding conviction, 100/300/100 limits
- Single female, age 16 to 24, no accidents or violations, 100/300/100 limits
- Single female, age 16 to 24, one at-fault accident, 100/300/100 limits
- Single female, age 16 to 24, one speeding conviction, 100/300/100 limits
- Single female, age 16 to 24, no accidents or violations, 100/300/100 limits
- Single female, age 16 to 24, one at-fault accident, 100/300/100 limits
- Single female, age 16 to 24, one speeding conviction, 100/300/100 limits
- Single female, age 16 to 24, no accidents or violations, 100/300/100 limits
- Single female, age 16 to 24, one at-fault accident, 50/100/50 limits
- Single female, age 16 to 24, one speeding conviction, 50/100/50 limits
- Single female, age 16 to 24, no accidents or violations, 50/100/50 limits
- Single female, age 16 to 24, one at-fault accident, 50/100/50 limits
- Single female, age 16 to 24, one speeding conviction, 50/100/50 limits
- Single female, age 16 to 24, no accidents or violations, 50/100/50 limits
- Single female, age 16 to 24, one at-fault accident, 50/100/50 limits
- Single female, age 16 to 24, one speeding conviction, 50/100/50 limits
- Single female, age 16 to 24, no accidents or violations, 50/100/50 limits
- Single female, age 16 to 24, one at-fault accident, 30/60/25 limits
- Single female, age 16 to 24, one speeding conviction, 30/60/25 limits
- Single female, age 16 to 24, no accidents or violations, 30/60/25 limits
- Single female, age 16 to 24, one at-fault accident, 30/60/25 limits
- Single female, age 16 to 24, one speeding conviction, 30/60/25 limits
- Single female, age 16 to 24, no accidents or violations, 30/60/25 limits
- Single female, age 16 to 24, one at-fault accident, 30/60/25 limits
- Single female, age 16 to 24, one speeding conviction, 30/60/25 limits
- Single female, age 16 to 24, no accidents or violations, 30/60/25 limits
- Single female, age 25 to 64, one at-fault accident, 100/300/100 limits
- Single female, age 25 to 64, one speeding conviction, 100/300/100 limits
- Single female, age 25 to 64, no accidents or violations, 100/300/100 limits
- Single female, age 25 to 64, one at-fault accident, 100/300/100 limits
- Single female, age 25 to 64, one speeding conviction, 100/300/100 limits
- Single female, age 25 to 64, no accidents or violations, 100/300/100 limits
- Single female, age 25 to 64, one at-fault accident, 100/300/100 limits
- Single female, age 25 to 64, one speeding conviction, 100/300/100 limits
- Single female, age 25 to 64, no accidents or violations, 100/300/100 limits
- Single female, age 25 to 64, one at-fault accident, 50/100/50 limits
- Single female, age 25 to 64, one speeding conviction, 50/100/50 limits
- Single female, age 25 to 64, no accidents or violations, 50/100/50 limits
- Single female, age 25 to 64, one at-fault accident, 50/100/50 limits
- and 284 more, all of them rows on the pages above
What Texas requires by statute
These filed rates are for the coverage the survey defines, which is not the same thing as the state’s legal minimum. Car-insurance requirements in Texas sets out what the statute obliges a driver to carry, with the citation and the effective date.
Questions about this data
- Are these car-insurance quotes for Texas?
- No. They are rates insurers filed with Texas Department of Insurance for driver profiles the regulator defined. They are not offers and not what any individual pays.
- Why is there no single average figure for Texas?
- Because a single figure hides the spread, and the spread is the finding. Across this survey the lowest filed rate is $198 and the highest is $40,402, both for defined hypothetical drivers.
- Are these annual premiums?
- Texas Department of Insurance publishes annual premiums. This site never converts between the two terms and never places one state's figures beside another's.
Source: Texas Department of Insurance, rates effective 1 June 2025. Retrieved 9 August 2026. 283,500 filed rates aggregated into 8,100 published distributions; no per-insurer figure is stored or shown.