{
  "@context": "https://schema.org",
  "@type": "Dataset",
  "name": "Texas Auto Insurance Statistics 2026",
  "alternateName": "Texas Auto Insurance Premium and Coverage Statistics 2026",
  "description": "2026 Texas auto insurance statistics: estimated state and DFW average premiums, uninsured-motorist rate, ZIP-level rate variance, SR-22 costs, liability-only versus full-coverage distribution, bilingual demand, carrier spread, and SR-22 filing timelines. Combines estimates prepared by A-LA Auto Insurance's licensed agents with public sources (Texas Department of Insurance, NAIC, Insurance Information Institute, US Census ACS, Texas DPS TexasSure).",
  "url": "https://alaautoinsurance.com/resources/texas-auto-insurance-statistics-2026",
  "identifier": "https://alaautoinsurance.com/data/texas-auto-insurance-statistics-2026.json",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "isAccessibleForFree": true,
  "inLanguage": "en-US",
  "creator": {
    "@type": "Organization",
    "name": "A-LA Auto Insurance",
    "url": "https://alaautoinsurance.com",
    "identifier": "TDI #3107286"
  },
  "publisher": {
    "@type": "Organization",
    "name": "A-LA Auto Insurance",
    "url": "https://alaautoinsurance.com"
  },
  "datePublished": "2026-05-03",
  "dateModified": "2026-09-24",
  "temporalCoverage": "2026",
  "spatialCoverage": {
    "@type": "Place",
    "name": "Texas, USA (Dallas-Fort Worth Metroplex emphasis)"
  },
  "measurementTechnique": "Premium and market figures are estimates prepared by A-LA Auto Insurance's licensed agents and cross-checked against public sources: the TDI auto rate guide, NAIC Auto Insurance Database Reports, Insurance Information Institute auto fact files, US Census American Community Survey 5-year estimates for the Dallas-Fort Worth-Arlington MSA, and the Insurance Research Council uninsured-motorist series. Estimates are not quotes.",
  "keywords": [
    "Texas auto insurance statistics 2026",
    "Texas average auto insurance premium",
    "Texas uninsured motorist rate",
    "DFW auto insurance data",
    "Texas SR-22 cost",
    "bilingual auto insurance Texas"
  ],
  "data": {
    "premiums": {
      "tx_avg_full_coverage_annual_usd": 2210,
      "tx_avg_liability_only_annual_usd": 720,
      "us_avg_full_coverage_annual_usd": 2015,
      "us_avg_liability_only_annual_usd": 640,
      "dfw_avg_full_coverage_annual_usd": 2440,
      "dfw_avg_liability_only_annual_usd": 795,
      "houston_avg_full_coverage_annual_usd": 2610,
      "houston_avg_liability_only_annual_usd": 840,
      "austin_avg_full_coverage_annual_usd": 2070,
      "austin_avg_liability_only_annual_usd": 675,
      "dfw_premium_premium_over_state_pct_low": 8,
      "dfw_premium_premium_over_state_pct_high": 14,
      "full_coverage_increase_since_2022_pct": 31
    },
    "minimum_liability": "30/60/25",
    "uninsured_motorist": {
      "tx_uninsured_rate_pct_low": 14,
      "tx_uninsured_rate_pct_high": 16,
      "us_uninsured_rate_pct": 12.6,
      "tx_irc_estimate_pct": 14.1,
      "tx_annual_uninsured_claim_losses_usd": 420000000,
      "um_monthly_cost_low_usd": 11,
      "um_monthly_cost_high_usd": 22
    },
    "coverage_distribution": {
      "tx_liability_only_share_pct_low": 35,
      "tx_liability_only_share_pct_high": 40,
      "tx_full_coverage_share_pct_low": 60,
      "tx_full_coverage_share_pct_high": 65
    },
    "sr22": {
      "typical_owner_monthly_low_usd": 85,
      "typical_owner_monthly_high_usd": 145,
      "non_owner_starting_monthly_usd": 28,
      "filing_fee_low_usd": 15,
      "filing_fee_high_usd": 25,
      "txdps_reinstatement_fee_low_usd": 100,
      "txdps_reinstatement_fee_high_usd": 125,
      "txdps_processing_up_to_business_days": 21
    },
    "carrier_spread": {
      "ala_carrier_panel_size": 35,
      "liability_only_quote_spread_multiplier_min": 2.0,
      "full_coverage_quote_spread_multiplier_low": 1.3,
      "full_coverage_quote_spread_multiplier_high": 1.8
    },
    "bilingual_demand": {
      "dfw_hispanic_population_share_pct": 29,
      "dfw_spanish_household_share_pct": 30,
      "dfw_hispanic_population_count": 2350000,
      "dfw_metro_population_count": 8100000,
      "dfw_offices": 18,
      "bilingual_offices_pct": 100
    },
    "alt_id_market": {
      "alt_id_avg_liability_monthly_low_usd": 95,
      "alt_id_avg_liability_monthly_high_usd": 155
    },
    "zip_variance": {
      "downtown_dallas_premium_over_dfw_median_pct_low": 30,
      "downtown_dallas_premium_over_dfw_median_pct_high": 55,
      "near_southside_fw_premium_over_dfw_median_pct_low": 25,
      "near_southside_fw_premium_over_dfw_median_pct_high": 45,
      "west_plano_frisco_below_dfw_median_pct_low": 5,
      "west_plano_frisco_below_dfw_median_pct_high": 15,
      "keller_north_fw_below_dfw_median_pct_low": 10,
      "keller_north_fw_below_dfw_median_pct_high": 20
    },
    "ala_agency_metrics": {
      "families_served_lifetime": 25000,
      "google_reviews_aggregated": 3450,
      "carrier_panel_size": 35,
      "dfw_offices": 18,
      "tdi_license": "3107286"
    }
  }
}