Texas auto insurance averages - $1,428.94 per year in 2023, ranked #13 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Texas's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,428.94 ▲15.9% | $798 |
| 2022 | $1,233.39 ▲9.8% | $691 |
| 2021 | $1,123.12 ▲3.5% | $627 |
| 2020 | $1,085.40 ▼5.1% | $612 |
| 2019 | $1,143.91 | $650 |
Evidence lead: Five-year movement
Texas's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Five-year movement
Texas's average expenditure posted a +24.9% increase from 2019 through 2023, ranking #5 of 51 for five-year movement. This is among the fastest changes in the state set. It describes the endpoints of the series and does not assign a cause to the movement.
Year-by-year shape
The one interruption in Texas's series is a steep one: -5.1% into 2020, the second-largest single-year move on the page. What followed more than erased it, leaving the 2023 average well clear of the 2019 figure, with the most recent step at +15.9%. Read the drop as one reporting year, not a change in direction.
Coverage-component signature
Texas's most distinctive 2023 component is comprehensive: $400.01, or 60.6% above the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
2023 cost position
Texas sits at #13 of 51 with $1,428.94 in average expenditure. It is outside the top-ten extreme but remains in the upper portion of the 2023 distribution. The measure reflects the coverage mix actually purchased in the state, so it should be read as a market benchmark rather than a price prediction.
Narrow registry context
Texas's complaint lookup is comparatively narrow: 40 represented companies and 4,543 records, ranking #42 and #43 among 51 jurisdictions. The smaller footprint makes the displayed denominators essential context. It must not be converted into a complaint-rate judgment or used as a causal story for the separate auto-cost series.
Nearest expenditure peers. By average expenditure, Texas's closest peers in this dataset are Michigan ($1,443.45) and Colorado ($1,452.82), both within a few dollars of Texas's own $1,428.94.
Note on state comparisons: These averages reflect the mix of coverages purchased in Texas, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
