Question 1

What is the average auto insurance cost in Texas?

Accepted Answer

The median 6-month auto insurance premium in Texas is $933. Premiums range from $481 to $2,892 depending on carrier, ZIP code, and coverage level. That's a 6x spread between the cheapest and most expensive areas.

Question 2

Which carrier is cheapest in Texas?

Accepted Answer

USAA has the lowest median premium in Texas at $622/6mo. It's the #1 cheapest option in 2,600 ZIP codes (100% of the state). However, the cheapest carrier varies by ZIP code — compare all 11 carriers to find the best rate in your area.

Question 3

What are the most expensive ZIP codes in Texas?

Accepted Answer

The most expensive ZIP codes in Texas are 77411 (Alief, $2,403/6mo), 77291 (Houston, $2,403/6mo), 77290 (Houston, $2,403/6mo). Urban areas and regions with higher accident rates tend to have the highest premiums.

Question 4

How many carriers does TrueFactor track in Texas?

Accepted Answer

TrueFactor tracks 11 auto insurance carriers across 2,600 ZIP codes in Texas. All data is sourced from SERFF regulatory rate filings — the official rate structures filed with the Texas Department of Insurance. Data covers filings from 2019 to present and is updated within days of regulatory approval.

Question 5

Why is auto insurance so expensive in some parts of Texas?

Accepted Answer

Auto insurance premiums in Texas vary by up to 6x between ZIP codes — from $481 to $2,892 per 6-month term. This variation is driven by territorial rating factors in each carrier's SERFF filing, which reflect local accident frequency, claim severity, theft rates, and repair costs. The most expensive ZIP code is 77411 (Alief) at $2,403/6mo. Urban and high-density areas consistently have higher filed rates due to greater accident frequency.

#	Carrier	Median 6-Mo	#1 Cheapest In	% of ZIPs
1	USAA	$622	2,600 ZIPs	100%
2	GEICO	$631	0 ZIPs	0%
3	Amica Mutual	$881	0 ZIPs	0%
4	Progressive	$907	0 ZIPs	0%
5	The Hartford	$907	0 ZIPs	0%
6	Farmers	$933	0 ZIPs	0%
7	Nationwide	$950	0 ZIPs	0%
8	Travelers	$967	0 ZIPs	0%
9	Liberty Mutual	$993	0 ZIPs	0%
10	State Farm	$1,096	0 ZIPs	0%
11	Allstate	$1,123	0 ZIPs	0%

City	Avg Median	ZIPs
Texhoma	$481	1
Bowie	$481	1
Forestburg	$481	1
Montague	$481	1
Muenster	$481	1

City	Avg Median	ZIPs
Alief	$2,403	1
Bellaire	$2,318	2
Channelview	$2,233	1
Missouri City	$2,170	2
Stafford	$2,092	2

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