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.
Evelyn PimplaskarEditor-in-Chief, Director of Content
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.
Mark FriedlanderDirector, Corporate Communications
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.
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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Car insurance rates are rising across the country, and Texas is no exception. The average Texas driver pays $215 per month for auto insurance in 2023, according to Insurify data.
Full-coverage auto insurance costs Texans an average of $262 per month — 52% more than the $172 national average. A liability-only insurance policy costs an average of $170 per month in Texas, compared to the national average of $106.
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.
Quick Facts
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.
Drivers with excellent credit pay an average of $197 monthly for car insurance in Texas, but those with poor credit face a steep monthly premium of $397.
Best 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.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Monthly Quote
Average Annual Quote
Best for
GEICO
4.3
$41
$492
Drivers with a clean record
Allstate
4.2
$53
$636
Infrequent drivers
USAA
4.3
$67
$804
Military families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
Best insurer for drivers with a clean record: GEICO
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
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.
$41/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.
$66/mo
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.
Pros
Competitive rates for young drivers
Numerous discounts for a lower premium
Cons
Higher rates for drivers with DUIs
Doesn’t offer rideshare insurance
Good communication
John - February 4, 2023
Verified
They offer the best rate.
Shannon - February 1, 2023
Verified
Any time I called them, they were on top of it and gave me an answer right away.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832
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.
$54/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.
$86/mo
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.
Pros
Offers traditional and pay-per-mile coverage
Bundling discounts for home and auto insurance
Cons
Low customer satisfaction
Complaints of poor customer service
Good company, but costs more for premiums
Patricia - February 1, 2023
Verified
My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.
Burl - January 30, 2023
Verified
They’ve given good service, but there were times when things could have been handled a bit more professionally.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
885
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.
$68/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.
$108/mo
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.
Pros
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
Cons
Phone support isn’t available 24/7
Only available for active-duty or retired military personnel and their spouses and children
The representative was very helpful and caring. I felt valued.
Tawana - January 17, 2023
Verified
I have been a member for 14 years. They have always delivered excellent customer care anytime I needed to reach out to them for any reason, whether it was to resolve an issue or assist me with an application for one of the many services and products they offer.
Car insurance rates are surging across the country due to skyrocketing inflation, labor shortages, high repair costs, and an increase in traffic accidents.
Williams is seeing higher premiums across the board. “Sometimes, I have to tell people, ‘Stay with your current carrier, but here’s how you’re going to mitigate your premiums.’”
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, Williams says. A higher deductible means you’ll pay more out of pocket if you get into an accident, but “you’re betting on yourself,” he says.
If you don’t want to raise your deductible, here are some other things you can do to save on car insurance:
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.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
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.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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. 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.
Coverage
Minimum Requirements
Bodily injury liability
$30,000 per person and $60,000 per accident
Property damage liability
$25,000
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:
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
This pays to repair or replace your car, regardless of who’s at fault.
Comprehensive coverage
This pays for damage not caused by an accident, including from fire, falling objects, vandalism, and theft.
Roadside assistance
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.
Guaranteed asset protection (gap) insurance
Gap insurance covers the difference between your totaled car and the outstanding auto loan balance and is often required by lenders.
Rental reimbursement
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 $336 a month for auto insurance — just under $70 more than drivers with clean records, who pay $267.
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.
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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).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 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: Monday, September 18 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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. 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: Monday, September 18 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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. 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.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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.5
But many insurers 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.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.
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.2 Teenage drivers can secure a lower car insurance rate by being added to their parents’ policies, driving acar model that’s cheaper to insure, qualifying for good student discounts, or comparing rates.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
More cities in Texas
Insurance companies consider your location when pricing auto insurance premiums. If you live in a densely populated city, your rates will likely be higher than in a rural area due to a greater risk of vandalism, theft, and accidents.7
Some of the largest cities in Texas have more expensive rates than others. Austin drivers pay an average of $282 per month for a full-coverage policy. The average driver in Houston pays 32% more, with a rate of $372.
Houston’s population is 2,302,878, which is more than double the size of Austin’s population of 974,447. But poverty rates and related poor credit scores may play a role in Houston’s higher insurance premiums. Houston has a poverty rate of 19.5% compared to Austin’s 12.5%.8
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $256 per month — 21% more than the overall national average cost. Texans pay an average of $307 per month for full-coverage auto insurance and $205 for a liability-only policy.
What are the best car insurance companies in Texas?
Based on their Insurify Quality Scores, 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 4.4 and GEICO has a 4.2 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.
Insurify Insights
How Texas Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Texas below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Texas drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Texas
#34
State with the Most Speeding Tickets Rank
#35
State with the Moving Violations Rank
#37
State with the Most DUIs Rank
#25
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Texas is the #32 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #32
Percent of drivers in Texas with an accident: 8.2%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Texas is the #37 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #37
Percent of drivers in Texas with a DUI: 1%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Texas is the #43 state in the country for drivers with a reckless driving offense on record.
Rank among states: #43
Percent of drivers in Texas with a reckless driving offense: 0.9%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Texas is the #45 state in the country for drivers with a rude driving violation on record.
Rank among states: #45
Percent of drivers in Texas with a rude driving violation: 1%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Texas is the #34 state in the country for drivers with a speeding ticket on record.
Rank among states: #34
Percent of drivers in Texas with a speeding ticket: 7.5%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Texas is the #50 state in the country for drivers with a failure to yield violation on record.
Rank among states: #50
Percent of drivers in Texas with a failure to yield violation: 0%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
National Centers for Environmental Information. "Storm Events Database." Accessed July 17, 2023
Cassie SheetsContent Writer
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.
Evelyn PimplaskarEditor-in-Chief, Director of Content
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.
Mark FriedlanderDirector, Corporate Communications
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.
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.
GEICO
Allstate
USAA
