Cheapest Auto Insurance in Texas (2026)

Car insurance rates are rising across the country, and Texas is no exception. The average Texas driver pays $165 per month for auto insurance, according to Insurify data.

Full-coverage auto insurance costs Texans an average of $210 per month — more than the national average of $175. A liability-only insurance policy costs an average of $119 per month in Texas, compared to the national average of $99.

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 costs insurers more for claims and drives 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 cheap car insurance in Texas.

6 of the cheapest car insurance companies in Texas

The insurers below are some of the cheapest car insurance companies in Texas.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $137/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $112/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $141/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $79/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $119/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $64/mo*
Overall rating 4.0 7,006 reviews	Overall rating 3.8 4,014 reviews	Overall rating 4.9 1,367 reviews	Overall rating 4.1 6,692 reviews	Overall rating 3.2 7,651 reviews	Overall rating 4.3 133 reviews
Value for money 3.8/5	Value for money 3.4/5	Value for money 4.9/5	Value for money 3.7/5	Value for money 3.1/5	Value for money 3.5/5
Customer service 4.0/5	Customer service 3.8/5	Customer service 4.8/5	Customer service 4.2/5	Customer service 3.4/5	Customer service 3.4/5
Claims handling 4.1/5	Claims handling 3.8/5	Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 3.4/5	Claims handling 3.8/5
Special highlight AI-generated from 7006 user reviews Teen drivers	Special highlight AI-generated from 4014 user reviews Accident forgiveness	Special highlight AI-generated from 1367 user reviews Members of the military community	Special highlight AI-generated from 6692 user reviews Customer service	Special highlight AI-generated from 7651 user reviews Competitive rates	Special highlight AI-generated from 133 user reviews Cheap rates

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Finding the best car insurance in Texas is about balancing cost with coverage and finding discounts to help you save. GEICO, Allstate, and USAA are some of Insurify’s top car insurance picks for Texas drivers.

GEICO

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User Reviews	4.0 7,006 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$97/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$177/mo

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Driver Reviews

4.0

Best choiceBased on 13,744 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (7,006)

Joan

Verified Review

Need the less than 50 mi per day discount

Reviewed in Utah on December 2025

I drive my car maybe some days about 20 miles to my volunteer job and am paying as much as someone driving 120 miles per day. Whatever happened to the discount for driving less than 50 miles per day? I have not seen any of it.

Ronald

Verified Review

Fair

Reviewed in Nebraska on December 2025

They won't negotiate a lower rate, even though I'm driving less because I retired.

Alan

Verified Review

Too expensive for the mileage per month or per year that I put on my car. I drive less than 400 miles a month.

Reviewed in Florida on December 2025

Too expensive for the mileage per month or per year that I put on my car. I drive less than 400 miles a month.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

653

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

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. 

GEICO has some of the cheapest car insurance rates in Texas and offers more than a dozen discounts that could lower your premiums even more, such as discounts for safe driving, taking defensive driving classes, and being a loyal customer.

Pros

• Above-average J.D. Power customer satisfaction rating in Texas

• AM Best financial strength rating of A++ (Superior)

Cons

• Higher rates for drivers with DUIs

• Doesn’t offer rideshare insurance

Allstate

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User Reviews	3.8 4,014 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.9 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$82/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$141/mo

Show Details

Driver Reviews

3.8

A solid optionBased on 8,000 verified guest reviews and ratings

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (4,014)

Van

Verified Review

Phone calls not received yet

Reviewed in California on December 2025

I didn't know that the policy was written in a way that it didn't cover the item when you first receive it. I was told that I needed to have the manufacturer involved first. I have tried contacting them, but they have not returned my phone calls. It's been frustrating.

Tracey

Verified Review

They Get You but then they GET YOU

Reviewed in Texas on December 2025

They raise your premium significantly every 6 months. I drive about 5,000 miles a year. The vehicle sits in the garage 85% of the time. I have had one claim my entire driving existence that cost under $1,500 (driving for 30 years since 1995) and that occurred in 2017. So no claims in 9 years. It is ridiculous that my premium goes up every 6 months.

Kenneth

Verified Review

Acceptable

Reviewed in Texas on December 2025

I have been with Allstate for over 40 years. I don't know how to compare them with anyone else. The claim handling has been good.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

646

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A-

Why we picked this company

Allstate has been in business for more than 90 years and offers competitive rates in the Lone Star State. The company operates in all 50 states and offers home, motorcycle, off-road vehicle, renters, term life, and auto insurance. Infrequent drivers can also save with Milewise, Allstate’s pay-per-mile program.

Pros

• Above-average J.D. Power customer satisfaction rating in Texas

• Bundling discounts for home and auto insurance

Cons

• May not have the lowest rates in Texas

• Negative customer reviews on Trustpilot

USAA

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User Reviews	4.9 1,367 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$104/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$178/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,559 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,367)

Scott

Verified Review

USAA is good but shop around. You could do better.

Reviewed in Colorado on December 2025

Overpriced compared to other carriers.

Don

Verified Review

Good coverage and great customer service.

Reviewed in Indiana on December 2025

My insurance is based on recommendations by USAA to cover my assets. I'm comfortable with my coverage even though it costs more than other insurance companies that cover less.

Marc

Verified Review

Staying with

Reviewed in Massachusetts on December 2025

Unique and much cheaper than any others.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

710

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA has provided insurance coverage to active-duty members of the military, veterans, and their immediate families for more than 100 years. The insurer could be a good option for the nearly 1.6 million veterans in Texas.

In addition to affordable auto policies, USAA offers multiple insurance products, including homeowners, life, and health coverage. The company also has discounts for bundling, insuring multiple vehicles, living on a military base, and more.

Pros

• AM Best financial strength rating of A++ (Superior)

• Discount of up to 30% through the SafePilot program

Cons

• No 24/7 live customer support

• Only active-duty or retired military personnel and their families are eligible for coverage

Calculate how much your Texas car insurance might cost

See how much you might pay for a Texas car insurance policy using the calculator below.

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 you can reduce your premiums is by increasing your deductible. 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. But 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.

Liability insurance in Texas costs an average of $119 per month. Take a look at the cheapest liability-only insurers in the table below.

The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$58
Mile Auto	$73
Allstate	$82
Progressive	$85
GEICO	$97
USAA	$104
Mercury	$113
Root	$114
Hugo	$116
Dairyland	$120
Bristol West	$123
The General	$123
Commonwealth Casualty	$125
Nationwide	$130
GAINSCO	$131
AssuranceAmerica	$133
Clearcover	$135
Sun Coast	$141
Safeco	$142
Direct Auto	$145
National General	$149
Elephant	$153
Chubb	$176
21st Century	$204
Liberty Mutual	$264

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Texas: State Farm

Texas doesn’t require full-coverage auto insurance, 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.

Texas drivers pay $119 per month, on average, for a full-coverage policy. The table below shows which insurers offer the cheapest full coverage in Texas.

The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$100
Allstate	$141
Progressive	$152
Mile Auto	$154
Mercury	$171
GEICO	$177
USAA	$178
Root	$205
Safeco	$216
Clearcover	$219
Nationwide	$224
Direct Auto	$230
Elephant	$239
The General	$241
Bristol West	$250
National General	$255
GAINSCO	$265
Sun Coast	$266
AssuranceAmerica	$281
Commonwealth Casualty	$300
Chubb	$303
Liberty Mutual	$341
Dairyland	$346
21st Century	$350

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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. 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 your 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.

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person / $60,000 per accident
Property damage liability	$25,000

Is state-minimum car insurance enough coverage in TX?

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 you feel the minimum coverage isn’t sufficient, you can add additional coverages to make sure you’re protected no matter the circumstances. Optional add-ons include:

• 

  Additional liability insurance

  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.

• 

  Collision coverage

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

• 

  Comprehensive coverage

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

• 

  Roadside assistance coverage

  Roadside assistance coverage 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 coverage

  Gap insurance covers the difference between your totaled car and the outstanding auto loan balance. Lenders often require this coverage if you finance or lease your vehicle.

• 

  Rental reimbursement coverage

  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 in Texas

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 $183 per month for auto insurance — noticeably more than drivers with clean records, who pay $137.

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.

Shop for Texas Car Insurance

Monthly liability rates average $140 for drivers with an incident

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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).

Most auto insurance companies raise rates after a speeding ticket. But some insurers might not raise rates for drivers older than 25 without a similar violation in the past three years.

In Texas, drivers with a speeding ticket on their record pay an average of $257 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.

The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$58	$72
Mile Auto	$73	$88
Allstate	$82	$105
Progressive	$85	$104
GEICO	$97	$125
USAA	$104	$132
Mercury	$113	$156
Root	$114	$150
Hugo	$116	$154
Dairyland	$120	$147
Bristol West	$123	$152
The General	$123	$162
Commonwealth Casualty	$125	$146
Nationwide	$130	$166
GAINSCO	$131	$154
AssuranceAmerica	$133	$167
Clearcover	$135	$174
Sun Coast	$141	$172
Safeco	$142	$186
Direct Auto	$145	$180
National General	$149	$183
Elephant	$153	$180
Chubb	$176	$220
21st Century	$204	$264
Liberty Mutual	$264	$332

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $274 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.

The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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

View Full Bio

Insurance Company	Clean Driving Record	With Accident
State Farm	$58	$76
Mile Auto	$73	$97
Allstate	$82	$108
Progressive	$85	$111
GEICO	$97	$124
USAA	$104	$137
Mercury	$113	$168
Root	$114	$150
Hugo	$116	$140
Dairyland	$120	$156
Bristol West	$123	$160
The General	$123	$168
Commonwealth Casualty	$125	$163
Nationwide	$130	$172
GAINSCO	$131	$167
AssuranceAmerica	$133	$176
Clearcover	$135	$196
Sun Coast	$141	$184
Safeco	$142	$197
Direct Auto	$145	$196
National General	$149	$196
Elephant	$153	$198
Chubb	$176	$230
21st Century	$204	$273
Liberty Mutual	$264	$349

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $280 per month for full-coverage car insurance. In fact, drivers with a DUI/DWI pay about 66% more for auto insurance than people 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.

The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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

View Full Bio

Insurance Company	Clean Driving Record	With DUI
State Farm	$58	$81
Mile Auto	$73	$103
Allstate	$82	$115
Progressive	$85	$113
GEICO	$97	$135
USAA	$104	$146
Mercury	$113	$165
Root	$114	$161
Hugo	$116	$163
Dairyland	$120	$169
Bristol West	$123	$173
The General	$123	$173
Commonwealth Casualty	$125	$176
Nationwide	$130	$183
GAINSCO	$131	$184
AssuranceAmerica	$133	$187
Clearcover	$135	$190
Sun Coast	$141	$188
Safeco	$142	$214
Direct Auto	$145	$204
National General	$149	$209
Elephant	$153	$215
Chubb	$176	$247
21st Century	$204	$287
Liberty Mutual	$264	$371

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Your age affects your car insurance premium significantly. 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 70 due to an increased risk of accidents. Drivers older than 70 have higher crash and death rates than drivers ages 35–53 due to age-related declines in visual, cognitive, and physical function and increased vulnerability to injury, according to the Insurance Information Institute.^[3]

Senior drivers in Texas pay a monthly average of $100 for liability-only car policies and $177 for full coverage. Many insurers also offer discounts to seniors with clean driving records.

The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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

View Full Bio

Insurance Company	Full Coverage	Liability Only
State Farm	$59	$34
Allstate	$92	$53
Mile Auto	$100	$47
GEICO	$110	$60
Progressive	$113	$63
Mercury	$115	$76
USAA	$119	$70
Nationwide	$129	$75
Root	$144	$80
Direct Auto	$151	$95
National General	$160	$94
Safeco	$166	$109
Elephant	$169	$108
Chubb	$170	$99
The General	$171	$87
Clearcover	$173	$107
Bristol West	$174	$86
AssuranceAmerica	$187	$89
Sun Coast	$197	$104
GAINSCO	$202	$100
Commonwealth Casualty	$211	$88
21st Century	$221	$129
Liberty Mutual	$234	$181
Dairyland	$267	$92

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 monthly cost of $235 and $414 for liability only and full coverage, respectively.

Drivers ages 16–19 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.^[4]

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.

The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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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Insurance Company	Full Coverage	Liability Only
State Farm	$201	$117
Allstate	$290	$169
Progressive	$300	$168
Mile Auto	$328	$155
Mercury	$330	$218
GEICO	$333	$182
USAA	$343	$200
Root	$372	$207
Clearcover	$381	$235
Elephant	$436	$279
The General	$440	$225
Safeco	$454	$298
Nationwide	$455	$264
Bristol West	$465	$229
Direct Auto	$465	$293
GAINSCO	$512	$253
Sun Coast	$524	$278
National General	$535	$313
Commonwealth Casualty	$576	$240
AssuranceAmerica	$592	$280
Dairyland	$606	$210
Liberty Mutual	$627	$486
Chubb	$653	$379
21st Century	$660	$385

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 people with the highest scores, according to the Federal Trade Commission (FTC). 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 credit history when setting rates. 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.

Car insurance rates across Texas cities

Where you live in Texas, down to your ZIP code, can affect your car insurance rates. Insurance companies consider the number of claims filed in your area when setting rates. They also consider factors like your city’s crime rates and your proximity to a fire station.

In the table below, you can see average car insurance rates in several Texas cities.

Texas car insurance FAQs