Overview
- The statewide average for full-coverage policies ended 2025 at $2,470 after peaking at $2,708 in February and then declining through the year.
- Texas drivers still paid more than the country overall, with the state’s average 15% above the national figure in 2025.
- Preliminary state data show crashes fell by more than 3% last year with nearly 9% fewer fatal accidents and over 10% fewer fatalities.
- NICB reports Texas kept the eighth-highest vehicle theft rate but saw a 25% drop in the first half of 2025 versus a year earlier, factors Insurify links to easing premiums.
- Insurify projects about a 0.3% uptick for Texas in 2026, with higher parts costs or tariffs posing upside risk, and notes vans, SUVs and crossovers are typically cheapest to insure, led by the Ford Transit at $1,857.