Car insurance in Crowley, TX runs close to the Texas full-coverage average of $2,751 a year. That number matters more here than in most towns, because Crowley has grown faster than almost anywhere else south of Fort Worth.

The city counted 18,070 residents at the 2020 census, up 40.8% from 2010. Current estimates put the population near 20,500. For a town that started as a 19th-century farming settlement, that is a lot of new drivers added to the roads in a short stretch of time.

Crowley Auto Insurance by the Numbers

Way.com estimates a six-month full-coverage policy in Crowley at roughly $1,292, which works out to about $2,584 a year — a bit under the statewide full-coverage average of $2,751. Minimum-liability coverage, built around Texas's 30/60/25 floor, runs closer to the $786-a-year state average.

Crowley Auto Insurance at a Glance

  • Full coverage estimate: ~$2,584/yr (six-month estimate x2)
  • Minimum liability average: close to the state average (~$786/yr)
  • State minimum required: 30/60/25 liability
  • Fault system: At-fault (tort) — Texas standard
  • Median household income: approximately $95,030
  • Population: 18,070 (2020 census), up 40.8% from 2010

A Railroad Town at a Crossroads

Crowley traces back to around 1848, when settlers began farming near Deer Creek. The town took shape in its present location once a railroad line reached the area, and it took its name from a transportation official with the railroad. Voters first incorporated the community in 1951, and Crowley became a home-rule city in 1972.

  • FM 1187 & FM 731: The intersection that still marks the historic center of town.
  • Southern Tarrant County: Most of Crowley sits here, with a smaller edge reaching into Johnson County.
  • Crowley ISD: The local school district has expanded alongside the city's new subdivisions.

That crossroads layout still shapes how traffic moves through town, with FM 1187 carrying the bulk of local commercial and commuter traffic toward Fort Worth.

Why Crowley Keeps Growing

Crowley went from roughly 12,800 residents in 2010 to 18,070 by the 2020 census — a 40.8% jump in a single decade. Current estimates put the population closer to 20,500, driven by new subdivisions built on farmland south of Fort Worth. Homeownership in Crowley runs near 74%, and median household income has climbed to roughly $95,030.

Insurers price liability risk off claims history, which usually lags population growth by a few years. That lag is a real part of why Crowley's rates still sit close to the statewide average instead of running clearly above it, even with thousands of new drivers added to local roads over the past decade.

What Texas Actually Requires

Crowley follows the same 30/60/25 liability minimum as every other Texas city: $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 for property damage. Texas is an at-fault state, so the driver who causes a crash — and their insurer — pays first. Our minimum vs. full coverage guide breaks down when that floor is enough and when it isn't.

Insurers must offer uninsured/underinsured motorist coverage in Texas, and you can only decline it in writing. With roughly 14% of Texas drivers uninsured statewide, that coverage is worth keeping even on a Crowley policy that already tracks close to the state average.

Getting the Most Out of a Crowley Policy

Shop at least three quotes at renewal — Crowley's rate sits close to the state average rather than clearly above or below it, and carriers price that middle ground very differently. With homeownership in Crowley running near 74%, ask specifically about garage-parking and bundled home-and-auto discounts; both fit the newer subdivisions driving the city's growth. Our premium-cutting guide covers the rest of the discounts worth asking about.