Cheapest Auto Insurance in Texas (2024)

Texas drivers can find the cheapest car insurance rates with State Farm, which has liability only rates as low as $38 per month.

9 years writing data-driven content

Lifestyle contributor to 30+ local news sites

Cassie Sheets has a background in home and garden and real estate content. At Insurify, she translates industry jargon into insights that empower insurance buyers.

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10+ years in insurance and personal finance content

30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Corporate communications director for Insurance Information Institute

20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Updated June 12, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Cheapest recent rates in Texas

Progressive helped a Ford Focus driver in Elgin, Texas save on car insurance with this quote.

A Gladewater, Texas driver just saved on coverage for their Honda CR-V with this quote from Liberty Mutual.

State Farm's average rate for Texas drivers with good credit and a clean driving record.

Mile Auto helped a Dodge RAM 1500 driver in Rye, Texas save on car insurance with this quote.

A Waco, Texas driver just saved on coverage for their GMC Yukon XL with this quote from Hugo.

We just helped a driver in Lubbock, Texas cover their Chevrolet Malibu with this quote from Direct Auto.

Commonwealth Casualty helped a Chevrolet Blazer driver in Abilene, Texas save on car insurance with this quote.

A Waco, Texas driver just saved on coverage for their Chevrolet Silverado with this quote from National General.

We just helped a driver in Waco, Texas cover their GMC Yukon XL with this quote from Alinsco.

*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on June 12, 2024

A Fort Worth, Texas driver just saved on coverage for their Jeep Wrangler with this quote from Progressive.

We just helped a driver in Fort Worth, Texas cover their Mazda 3 with this quote from Liberty Mutual.

GEICO's average rate for Texas drivers with good credit and a clean driving record.

A Bedford, Texas driver just saved on coverage for their Nissan Kicks with this quote from Mile Auto.

We just helped a driver in Waco, Texas cover their Hyundai Santa FE with this quote from Alinsco.

Bristol West helped a Dodge RAM 1500 driver in Wellington, Texas save on car insurance with this quote.

A San Antonio, Texas driver just saved on coverage for their Honda Accord with this quote from Mercury.

We just helped a driver in Temple, Texas cover their Ford Escape with this quote from The General.

National General helped a Ford Escape driver in Temple, Texas save on car insurance with this quote.

*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on June 12, 2024

Car insurance rates are rising across the country, and Texas is no exception. The average Texas driver pays $185 per month for auto insurance, according to Insurify data.

Full-coverage auto insurance costs Texans an average of $251 per month — more than the $215 national average. A liability-only insurance policy costs an average of $119 per month in Texas, compared to the national average of $105.

Texans may be paying more for car insurance because the state has a large population with multiple major cities, where rates tend to be higher. Wildfires, hurricanes, and winter storms can cause car damage that cost insurers more for claims and drive rates higher.

Fortunately, savvy insurance shoppers can usually find a few ways to save. Here’s what you need to know if you’re shopping for the cheapest and best car insurance in Texas.

State Farm is one of the cheapest, all-around carriers in the state, with liability only and full-coverage policies priced at $38 and $63, respectively.

Texas is an at-fault state, meaning the driver who caused an accident is responsible for bodily injury and property damage costs. The at-fault driver’s insurance company covers the other involved parties.

Houston drivers pay 32% more for car insurance on average than those in Austin.

3 of the cheapest car insurance companies in Texas

Finding the best car insurance companies in Texas is about balancing cost with coverage and hunting down discounts that can help you save. GEICO, Allstate, and USAA offer some of the most affordable car insurance rates in the state, but each company offers policies with different coverage, benefits, and savings. The best car insurance for you depends on your unique needs.

Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

Best insurer for drivers with a clean record: GEICO

Drivers with a clean recordGEICO

GEICO, a Berkshire Hathaway subsidiary and one of the leading auto insurance companies in the U.S., was founded in Fort Worth in 1936 as the Government Employees Insurance Company. The insurer provides auto, homeowners, renters, boat, ATV, and business insurance through an intuitive website and mobile app. Known for affordable rates, GEICO offers more than a dozen car insurance discounts, including DriveEasy, a usage-based program that rewards safe drivers. The insurer earned the highest rating for financial stability and credit from A.M. Best.

Competitive rates for young drivers

Numerous discounts for a lower premium

Higher rates for drivers with DUIs

Doesn’t offer rideshare insurance

Poor

Super but not cheap

Horrible

Best insurer for infrequent drivers: Allstate

Infrequent driversAllstate

Allstate is a leading insurance company with more than 90 years of offering coverage. The company operates in all 50 states and offers home, motorcycle, off-road vehicle, renters, term life, and auto insurance. Allstate offers several discounts for car insurance, including for multiple policies, smart students, and safe drivers. Infrequent drivers can also save with Milewise, Allstate’s low-rate, pay-per-mile coverage.

Offers traditional and pay-per-mile coverage

Bundling discounts for home and auto insurance

Low customer satisfaction

Complaints of poor customer service

Allstate is a Good Company, but Disclosures are Not Discussed During Policy Acquisition

Excellent

Clipboard

Best insurer for military and veterans: USAA

military and veteransUSAA

USAA has provided insurance coverage to active-duty members of the military, veterans, and their immediate families for more than 100 years. In addition to affordable auto policies, USAA offers multiple insurance products, including homeowners, life, and health coverage. USAA provides discounts for bundling, insuring multiple vehicles, living on a military base, and more. The company earned the highest A.M. Best rating, A++, for financial strength.

Rewards safe drivers with a 30% discount through the SafePilot program

Among the highest-rated insurers in J.D. Power’s Overall Customer Satisfaction Study

Phone support isn’t available 24/7

Only available for active-duty or retired military personnel and their spouses and children

Great

Very Happy Customer

Fantastic

How to get the cheapest car insurance in Texas

Car insurance rates are surging across the country due to skyrocketing inflation, labor shortages, high repair costs, and an increase in traffic accidents. 

Texas drivers have a few options to lower their rates. The number one way safe drivers can reduce their premiums is by increasing their deductibles. A higher deductible means you’ll pay more out of pocket if you get into an accident. If you don’t want to raise your deductible, here are some other things you can do to save on car insurance:

Enroll in a defensive driving course to qualify for discounts or points reduction.

Talk to an insurance agent who can navigate complicated policies and help you save.

Invest in a car with robust anti-theft and safety features.

Take advantage of any car insurance discounts your insurer offers.

Compare quotes and shop around for the cheapest car insurance companies.

Cheapest liability-only car insurance in Texas: State Farm

Liability car insurance can reduce your out-of-pocket costs by paying for medical bills and property damage if you cause an accident. However, liability-only insurance covers the other person’s vehicle and medical expenses if you’re at fault — not your car or medical bills.

Texas requires a minimum of $30,000 in liability coverage, $60,000 per accident, and $25,000 for property damage.[1] If you want to stick with the minimum and keep your car insurance costs as low as possible, you can purchase a liability-only auto insurance policy.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest full-coverage car insurance in Texas: State Farm

Full-coverage auto insurance isn’t required in Texas, but it’s smart to purchase this type of policy if you want more robust financial protection. Full-coverage policies include liability insurance but also have comprehensive and collision coverages.

If you get into an accident, collision insurance will cover repairs to your vehicle. Comprehensive covers damage from non-collision events, like hailstorms or falling branches. While full-coverage policies have more expensive average rates than liability-only insurance, the difference is often worth it for drivers who want to avoid unexpected expenses. If you leased or financed your car, your leasing company or lender will likely require you to have full-coverage car insurance.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Car insurance requirements in Texas

Texas law requires 30/60/25 coverage, meaning all drivers must carry at least $30,000 in bodily injury coverage per person, up to a total of $60,000 per accident, and $25,000 coverage for property damage.

The required bodily injury liability coverage pays medical bills for the other driver and their passengers if you’re at fault in an accident. The property damage liability coverage pays for damage to the other driver’s car or property.

All insurance policies in Texas include personal injury protection (PIP), which pays for you and your passengers’ medical bills, lost wages, and funeral expenses in the case of a fatal accident. But you can opt out of the coverage by sending written notice to your insurance company.[2]

Texas insurers must also provide uninsured/underinsured (UM/UIM) motorist coverage, which pays if someone without sufficient insurance hits you. To opt out of PIP or UM/UIM coverage, you need to tell your insurance company in writing.

The required 30/60/25 coverage might not be enough to cover a serious accident and could leave policyholders with major out-of-pocket expenses, says Deon Williams, owner of Texas-based 4J Insurance Agency.

“I would rather send you to a different carrier than be responsible for writing bad policy. So, we don’t usually write that [30/60/25 policy] unless it’s something extenuating, like a senior citizen on a fixed income,” says Williams.

Instead, Williams says the ideal minimum would be $100,000 for bodily injury, $300,000 per accident, and $100,000 for property damage. “Usually, the difference between that and the state liability limits is about $15 a month. People spend more on Netflix.”

If Texas drivers feel the minimum coverage isn’t sufficient, they can add additional coverages to ensure they’re protected no matter the circumstances, including:

Beyond the required 30/60/25 policy, this coverage protects you if you’re in an at-fault accident where the cost of injuries or property damage exceeds your coverage, ensuring you won’t have major out-of-pocket medical or car repair bills.

This pays to repair or replace your car, regardless of who’s at fault.

This pays for damage not caused by an accident, including from fire, falling objects, vandalism, and theft.

This includes discounted or flat rates on towing, lockout services, tire changes, jump starts, gas delivery, winching, and transportation assistance if you get stranded on the road.

Gap insurance covers the difference between your totaled car and the outstanding auto loan balance and is often required by lenders.

This add-on policy covers the cost of a rental car up to a daily limit if your car is in the shop for repairs after an accident.

Cheapest car insurance for drivers with an incident

Insurance companies analyze your level of risk to determine your premium, so your driving history affects your auto insurance rates. If you have an at-fault accident, DUI, or speeding violation on record or have other traffic violations like rolling through a stop sign, insurers may charge you more for car insurance.

The difference between premiums for drivers with and without an incident on record isn’t insignificant. Insurify’s proprietary data reveals drivers with at-fault accidents on record pay an average of $238 a month for auto insurance — noticeably more than drivers with clean records, who pay $160.

If your premium increases after a driving incident, you’re not necessarily stuck with a higher rate. Some insurance companies penalize incidents with steeper increases than others, and shopping around could help you save.

Find Cheap Car Insurance in Texas

Cheapest car insurance for drivers with a speeding ticket: State Farm

Insurance companies take speeding seriously for a good reason. Nearly 30% of fatal crashes involve speeding. An additional 13% of injury crashes and 10% of property-damage-only crashes were speeding-related, according to the National Highway Traffic and Safety Administration (NHTSA).[1]

Most auto insurance companies raise rates after a speeding ticket. For example, on average, Progressive customers pay 15% more after their first speeding ticket.[2] Some insurers might not raise rates for drivers older than 25 without a similar violation in the past three years.[3]

In Texas, drivers with a speeding ticket on their record pay an average of $360 per month. Comparing quotes from multiple insurers and maintaining a clean driving record going forward can help you secure affordable car insurance after a speeding violation.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Cheapest car insurance for drivers with an at-fault accident: State Farm

Getting into an at-fault accident can cause your car insurance rates to increase by an average of 26%, according to Insurify’s proprietary data. Even drivers who aren’t at fault face average increases of nearly 10% after an accident.

On average, Texas drivers who have had an accident pay $385 per month. Some insurers include accident forgiveness in your policy, but others offer it as add-on coverage or not at all.

If you don’t qualify for accident forgiveness, your rates will eventually decrease after an accident if you maintain a safe driving record. In the meantime, completing a defensive driving course approved by your insurer, raising your deductible, or comparing rates could reduce your car insurance premium.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest car insurance for drivers with a DUI: State Farm

Finding cheap car insurance can be more difficult if you have a DUI on your driving record. Texas drivers with a DUI pay an average cost of $435 per month. In fact, drivers with a DUI/DWI pay about 66% more for auto insurance than those with a clean driving record, but you can still find ways to get a cheaper rate.

Shopping around, comparing quotes, and taking advantage of insurer discounts can reduce your premium, even if you have a DUI.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest car insurance for seniors: State Farm

Your age significantly affects your car insurance premium. Rates typically decrease after age 25 as drivers gain more experience behind the wheel, and senior drivers pay the lowest rates on car insurance as a group.

But insurance companies tend to raise rates for drivers older than 75 due to an increasing risk of accidents. Drivers older than 70 have higher crash and death rates than drivers ages 35 to 53 due to age-related declines in visual, cognitive, and physical function and increased vulnerability to injury, according to the Insurance Information Institute.[4]

Senior drivers in Texas pay a monthly average of $86 for liability-only car policies, and $181 for full coverage. Many insurers also offer discounts to seniors with clean driving records. Comparing quotes and coverage from multiple insurers can help you find the best car insurance for senior drivers.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Cheapest car insurance for teens: State Farm

Getting a driver’s license is a thrilling rite of passage for most teenagers. The insurance rates for teen drivers are a lot less exciting. Insurance companies set higher premiums for young drivers due to increased risk and lack of experience. For example, teen drivers in Texas pay an average cost of $206 and $434 for liability only and full coverage, respectively.

Drivers ages 16 to 19 have a higher risk of motor vehicle crashes than any other age group and a crash fatality rate that’s nearly three times as high as for drivers ages 20 and up, according to the Insurance Institute for Highway Safety.[5] Teenage drivers can secure a lower car insurance rate by being added to their parents’ policies, driving a car model that’s cheaper to insure, qualifying for good student discounts, or comparing rates.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest recent rates in Texas

We just helped a driver in Elgin, Texas cover their Ford Focus with this quote from Progressive.

A Gladewater, Texas driver just saved on coverage for their Honda CR-V with this quote from Liberty Mutual.

GEICO's average rate for Texas drivers with good credit and a clean driving record.

We just helped a driver in Rye, Texas cover their Dodge RAM 1500 with this quote from Mile Auto.

A Linden, Texas driver just saved on coverage for their Ford Mustang with this quote from Safeco.

Alinsco helped a GMC Yukon XL driver in Waco, Texas save on car insurance with this quote.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

We just helped a driver in Fort Worth, Texas cover their Mazda 3 with this quote from Liberty Mutual.

A Fort Worth, Texas driver just saved on coverage for their Jeep Wrangler with this quote from Progressive.

Allstate's average rate for Texas drivers with good credit and a clean driving record.

We just helped a driver in Bedford, Texas cover their Nissan Kicks with this quote from Mile Auto.

A Temple, Texas driver just saved on coverage for their Ford Escape with this quote from The General.

Elephant helped a Nissan Sentra driver in San Benito, Texas save on car insurance with this quote.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Texas car insurance quotes by credit tier

Insurance companies pay out nearly twice as much on property damage liability policies for customers with the lowest credit scores compared to those with the highest scores, according to the Federal Trade Commission (FTC).[6] Because people with low credit scores tend to be more costly to insure, insurance companies typically charge these customers more for auto insurance.

While some states, like California, ban using credit scores for insurance pricing, Texas insurers can and do consider your score. An excellent or good credit score could secure you a lower rate, but the average cost of car insurance goes up if you have a poor credit score.

Texas car insurance FAQs

If you still have questions about buying car insurance in the Lone Star State, here’s some more information to help as you research your coverage options.

How much is car insurance in Texas?

The overall average cost of car insurance in Texas is about $185 per month — 21% more than the overall national average cost. Texans pay an average of $251 per month for full-coverage auto insurance and $119 for a liability-only policy.

What are the best car insurance companies in Texas?

State Farm and GEICO are the best car insurance companies in Texas. In addition to offering lower rates, State Farm has an IQ Score of 4.6 and GEICO has a 4.4 score. The IQ Score objectively analyzes and calculates a score for insurers based on their customer satisfaction ratings, average monthly premiums, financial strength, and more.

Why is auto insurance so expensive in Texas?

Everything’s bigger in Texas — including the state’s exposure to increasing auto claims tied to climate-related events. Texas has a long history of costly storms that cause billions of dollars in property damage. From Jan. 1, 2023, to July 17, 2023, the National Centers for Environmental Information recorded more than 500 tornado, hail, and wind events for the state.[3] When insurance companies face big losses in a state, raising rates is one way to cover their losses.

Can your driving record affect the cost of car insurance in Texas?

Yes. Your driving record significantly affects your car insurance costs. For example, good drivers with a clean record free of traffic infractions typically pay the lowest rates for car insurance. Drivers with DUIs, at-fault accidents, and other moving violations typically face the highest car insurance premiums.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

Cassie Sheets has more than nine years of experience creating compelling content for clients, brands, and local news sites. She started her career at Movoto Real Estate, where she transformed dry data into interesting insights for potential homebuyers. She’s since covered a wide range of topics, from pop culture news to home and garden trends. Before joining Insurify, Cassie wrote engaging landing pages and blog posts for medical practices at MyAdvice. Now, she uses her knack for diving into the latest data and pulling out key details to empower insurance buyers. Cassie holds a BFA in Creative Writing from Columbia College Chicago. In her free time, you can find her exploring the city with her dog, trying not to fall over in yoga classes, and petting cats at the shelter.

10+ years in insurance and personal finance content

30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

Read Editorial Guidelines

Featured in

Corporate communications director for Insurance Information Institute

20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Read Editorial Guidelines

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

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