Cheapest Car Insurance in Texas

Here are the cheapest carriers in Texas for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Texas.

Companies Quotes
Progressive

Progressive

$7 /mo
State Farm

State Farm

$113 /mo
Direct General

Direct General

$144 /mo
Mercury

Mercury

$153 /mo
Nationwide

Nationwide

$175 /mo

Best Car Insurance in Texas

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Texas.

Companies Insurify
Composite Score
Quotes

American Family

92
$224 /mo

Nationwide

85
$175 /mo

Liberty Mutual

84
$244 /mo

State Farm

84
$113 /mo

Progressive

82
$7 /mo

Mercury

82
$153 /mo

Car Insurance in Texas

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Texas to find you the cheapest quotes in each of these metropolitan areas.

Houston, the most populated city in the state of Texas, and comes with its own set of rules of the road. Natives of the Bayou City often comment on the labyrinthine set of bus stops, train tracks, and twisty roads that are common in downtown Houston.

Texas Driving Facts

The state of Texas effectively banned texting and driving on September 1, 2017.

Texas' minimum liability auto insurance limits are as follows:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

dui
States with Most
DUIs Rank
#43
moving violations
States with Most
Moving Violations Rank
#47
popular car
State's
Most Popular Car
Ford F-Series Pickup
speeding violations
States with Most
Speeding Tickets Rank
#42
suspended licenses
States with Most
Suspended Licenses Rank
#21

Greenest Cities in Texas

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Texas offers many green driver incentives, including federal tax credits, repair vouchers and replacement assistance for fuel-efficient vehicles, vouchers, grants, rebates, and discounts through some car insurance carriers.

green city award

Addison


most patriotic
% of Hybrids/Electrics 2%

Most Patriotic City

Killeen

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Killeen won Insurify's Most Patriotic Cities Award for the state of Texas. It is the site of the storied Fort Hood, which is one of the physically largest military bases in the world.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Texas is vital for all car insurance shoppers hitting the road in The Lone Star State.

Road Rankings

14% Rural Roads in
Poor Condition

#23 Ranked

2% Fatality Rate per 100M VMT
on Rural Roads

#13 Ranked