South Texas market with hail risk and high uninsured driver rates.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in Texas was approximately $1,226/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
Texas Department of Insurance — licenses carriers and agents in Texas, reviews rate filings, and handles consumer complaints.
Texas Department of Insurance — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
Texas is an at-fault (tort) state. The driver who causes an accident is financially responsible through their liability coverage.
We've ranked auto insurance carriers for 2026 against ClearValue's published methodology.
See best auto insurance companies 2026 — editorial picks