Texas City drivers pay an average of $2,604/year — $833 more than the national average. With 683 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $888/year.
(888) 217-6781Estimated full coverage auto insurance rates for Texas City, TX from top carriers. Rates are adjusted for Texas City's 683 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $866 | $144/mo |
| GEICO | $987 | $165/mo |
| Progressive | $1,114 | $186/mo |
| State Farm | $1,217 | $203/mo |
| Allstate | $1,484 | $247/mo |
Estimates based on 2026 rate filings for ZIP 77590. USAA is cheapest at ~$144/mo. Actual rates vary by driver profile and exact Texas City location.
These Texas City-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Texas City, TX. Takes under 2 minutes.
(888) 217-6781With 51,898 residents, Texas City is a growing community in Texas where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like hurricanes, tornadoes, hail, flooding, extreme heat and commuter corridors still influence premiums. Texas City drivers often find rates slightly below the Texas state average.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Texas City can swing your premium by hundreds of dollars. Here's how rates compare across Texas City neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 77605 | Texas City South Side | $2,433/yr | $203/mo |
| 77593 | Texas City North Side | $2,576/yr | $215/mo |
| 77594 | Texas City West Side | $2,598/yr | $217/mo |
| 77598 | Texas City East Side | $2,627/yr | $219/mo |
| 77590 | Texas City Downtown/Central | $2,793/yr | $233/mo |
The cheapest ZIP is 77605 (Texas City South Side) at $2,433/yr. The most expensive is 77590 (Texas City Downtown/Central) at $2,793/yr — a $360/year difference for the same driver.
Your Texas City ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Texas City. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,468/yr | $456/mo | +110% vs avg |
| Young Adult (20-25) | $3,646/yr | $304/mo | +40% vs avg |
| Adult (26-35) | $2,604/yr | $217/mo | 0% vs avg |
| Mid-Career (36-50) | $2,292/yr | $191/mo | -12% vs avg |
| Senior (51-65) | $2,161/yr | $180/mo | -17% vs avg |
| 65+ | $2,318/yr | $193/mo | -11% vs avg |
Teens in Texas City pay an average of $5,468/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,161/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Texas City drivers can save up to $888/year. ZIP 77605 (Texas City South Side) has the lowest rates starting at $2,433/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes