Why Is My Car Insurance Going Up in Texas? (2025 Edition)

​​Car insurance rates in Texas are rising fast. Learn why premiums are spiking in 2024–2025 and how Corin Insurance Group can help you explore your options.

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If your car insurance premium in Texas—especially in the Dallas–Fort Worth (DFW) area—has increased recently, you're not alone. In 2024, the average full coverage car insurance cost in Texas rose by 15%, reaching $2,712, and projections indicate a further 6% increase in 2025, potentially pushing premiums close to $3,000 annually . Several factors contribute to these rising costs:(Houston Chronicle)

Key Factors Driving Up Car Insurance Rates in Texas

1. Severe Weather Events: Texas frequently experiences extreme weather conditions, including hailstorms, hurricanes, and floods, leading to a higher volume of insurance claims. These events increase the risk for insurers, prompting them to raise premiums to offset potential losses .

2. Rising Repair Costs: Inflation and supply chain disruptions have led to increased costs for vehicle repairs and parts. Tariffs on imports from countries like Canada and Mexico have further escalated these expenses, contributing to higher insurance premiums .(Houston Chronicle)

3. Increased Accident Rates: Urban areas like DFW have seen a rise in traffic congestion and accident frequency. Higher accident rates lead to more claims, which in turn drive up insurance costs for all drivers in the region.

4. Insurance Fraud and Litigation: Instances of insurance fraud and increased litigation costs have added financial pressure on insurance companies, leading them to adjust premiums accordingly.

5. Regulatory Environment: Texas operates under a "file-and-use" system, allowing insurers to implement rate changes with minimal oversight. This regulatory framework can lead to more frequent and significant premium increases .

How Corin Insurance Group Can Help
At Corin Insurance Group, LLC, we understand the challenges Texas drivers face with rising auto insurance premiums. As an independent agency, we partner with a diverse range of carriers to help you find the most competitive rates tailored to your needs. Our trusted carriers include:

· Safeco/Liberty Mutual: Offers customizable coverage options and discounts for bundling policies.

· Allstate: Known for comprehensive coverage and excellent customer service.

· Progressive: Provides competitive rates and a user-friendly digital experience.

· Foremost: Specializes in coverage for unique or high-risk vehicles.

· ASI Lloyds: Provides robust coverage options tailored to Texas drivers.
· And More!

By comparing quotes from these and other carriers, we aim to help you find an auto insurance policy that fits your needs and budget, potentially reducing your monthly premiums. Our goal is to ensure you're not overpaying for insurance, which can have a significant impact on your overall financial well-being.

If you're experiencing an increase in your car insurance premium and want to explore ways to manage or reduce your insurance costs, contact Corin Insurance Group today. Our experienced agents are here to help you navigate the complexities of auto insurance and find the best solutions for your situation.