If you think Texas car insurance rates are on the rise, it’s not your imagination. Based on a report released earlier this year by the National Association of Insurance Commissioners, Texas premiums now rank 11th highest in the nation. Two years ago, we were ranked 14th highest in the nation. The average Texas car insurance premium, based on the 2009 data used for the NAIC report (the most recent nationwide data available), is now $1,022 a year. The national annual average rate is $901.