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Cheap Auto Insurance Quotes in Texas (January 2022)
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Last Updated: January 2022
How does a cowboy save on car insurance?
Everything's bigger in Texas. Car insurance premiums don't have to be. With more than twenty-two million registered vehicles on Texas roads, a solid auto insurance policy is necessary for all Lone Star drivers.
Cheapest Car Insurance in Texas
Here are the cheapest companies 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.
| Cheapest Companies | |
|---|---|
Progressive | $54/mo |
 Allstate | $96/mo |
 State Farm | $113/mo |
GEICO | $127/mo |
 Direct Auto | $144/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 company reviews. The following are the top rated companies that offer car insurance in Texas. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 Nationwide | $175/mo | |
 American Family | $224/mo | |
State Farm | $113/mo | |
GEICO | $127/mo | |
Allstate | $96/mo | |
 Liberty Mutual | $244/mo | |
 Mercury | $153/mo | |
Progressive | $54/mo |
Car Insurance in Texas
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Texas to find you the cheapest quotes in each of these metropolitan areas.
Houston, the most populated city in the state of Texas, comes with its own set of rules of the road. Natives of the Bayou City often comment on the labyrinthine set of bus stops, train tracks, and twisty roads that are common in downtown Houston.
Quotes by Top Companies
Quotes ($/mo)
$142
$166
$176
$177
$236
$321
$335
AllstateState FarmProgressiveMercuryNationwideDirect AutoLiberty Mutual
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Houston |  Allstate | $142/mo |
| San Antonio | GEICO | $127/mo |
| Dallas | Progressive | $169/mo |
| Austin | Progressive | $149/mo |
| Fort Worth | Progressive | $129/mo |
| El Paso | Allstate | $96/mo |
| Arlington | Progressive | $162/mo |
| Corpus Christi | Progressive | $54/mo |
| Plano | Progressive | $56/mo |
| Laredo | Progressive | $59/mo |
| Lubbock | Progressive | $58/mo |
| Garland |  State Farm | $113/mo |
| Irving | Allstate | $123/mo |
| Amarillo | State Farm | $144/mo |
| Grand Prairie | Progressive | $61/mo |
| Brownsville | Progressive | $64/mo |
| Pasadena | Progressive | $61/mo |
| Frisco | Allstate | $113/mo |
| Mesquite | Allstate | $142/mo |
| Abilene | Progressive | $92/mo |
| Addison |  Clearcover | $137/mo |
| Allen | Progressive | $124/mo |
| Aubrey | Progressive | $128/mo |
| Baird | Clearcover | $96/mo |
| Baytown | Progressive | $150/mo |
| Beaumont | Progressive | $120/mo |
| Bedford | Progressive | $97/mo |
| Boerne |  Apparent | $143/mo |
| Bryan | Progressive | $83/mo |
| Buda | Progressive | $99/mo |
| Burleson | Progressive | $101/mo |
| Carrollton | Progressive | $121/mo |
| Cedar Hill | Clearcover | $153/mo |
| Cedar Park | Progressive | $96/mo |
| College Station | Progressive | $98/mo |
| Conroe | Progressive | $132/mo |
| Converse | Progressive | $126/mo |
| Coppell | Clearcover | $148/mo |
| Copperas Cove | Progressive | $73/mo |
| Crowley | Progressive | $139/mo |
| Cypress | Progressive | $124/mo |
| Denton | Progressive | $110/mo |
| Desoto | Clearcover | $145/mo |
| Dickinson |  AssuranceAmerica | $119/mo |
| Edinburg | Progressive | $112/mo |
| Euless | Clearcover | $129/mo |
| Flower Mound | Progressive | $120/mo |
| Forney | Progressive | $108/mo |
| Fort Hood | Clearcover | $167/mo |
| Fulshear | Clearcover | $149/mo |
| Galveston | Progressive | $116/mo |
| Georgetown | Progressive | $103/mo |
| Granbury | Progressive | $106/mo |
| Grapevine | Clearcover | $121/mo |
| Humble | Progressive | $132/mo |
| Huntsville | Progressive | $89/mo |
| Hutto | Progressive | $111/mo |
| Katy | Clearcover | $155/mo |
| Keller | Progressive | $111/mo |
| Killeen | Clearcover | $114/mo |
| Kingwood | Progressive | $95/mo |
| Kyle | Clearcover | $133/mo |
| La Porte | Progressive | $106/mo |
| League City | Progressive | $116/mo |
| Leander | Progressive | $109/mo |
| Lewisville | Progressive | $130/mo |
| Little Elm | Clearcover | $147/mo |
| Magnolia | Progressive | $133/mo |
| Manor | Clearcover | $141/mo |
| Mansfield | Progressive | $122/mo |
| Mcallen | Apparent | $136/mo |
| Mckinney | Clearcover | $153/mo |
| Midland | Clearcover | $126/mo |
| Missouri City | Progressive | $128/mo |
| New Braunfels | Progressive | $112/mo |
| North Richland Hills | Progressive | $108/mo |
| Odessa | Progressive | $123/mo |
| Orange | Progressive | $143/mo |
| Pearland | Progressive | $108/mo |
| Pflugerville | Progressive | $123/mo |
| Red Oak | Progressive | $149/mo |
| Richardson | Progressive | $114/mo |
| Richmond | Progressive | $137/mo |
| Roanoke | Clearcover | $132/mo |
| Rockwall | Progressive | $132/mo |
| Round Rock | Progressive | $117/mo |
| Rowlett | Clearcover | $140/mo |
| Royse City | Clearcover | $149/mo |
| San Marcos | Progressive | $120/mo |
| Schertz | Clearcover | $132/mo |
| Spring | Progressive | $128/mo |
| Stafford | Clearcover | $149/mo |
| Sugar Land | Progressive | $113/mo |
| The Colony | Clearcover | $131/mo |
| Tomball | Progressive | $129/mo |
| Tyler | Progressive | $104/mo |
| Waxahachie | Progressive | $103/mo |
| Webster | Progressive | $109/mo |
| Wylie | Progressive | $125/mo |
Cheapest Liability Auto Insurance in Texas
For drivers in Texas, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Texas. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Texas.
| Cheapest companies | |
|---|---|
Progressive | $86/mo |
 State Auto | $99/mo |
 Safeco | $105/mo |
 Kemper Preferred | $108/mo |
 Commonwealth Casualty | $109/mo |
Cheapest Full Coverage Auto Insurance in Texas
For drivers in Texas, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Texas. The following are the best insurance rates from carriers that offer full coverage auto insurance in Texas.
| Cheapest companies | |
|---|---|
 Clearcover | $154/mo |
Progressive | $155/mo |
 Apparent | $193/mo |
 Elephant | $194/mo |
Direct Auto | $196/mo |
Texas Driving Facts
Minimum Car Insurance Requirements in TX
All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:
- $30,000/$60,000 bodily injury liability per person/accident
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.
- $25,000 propery damage liability per accident
The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Cheapest Car Insurance Quotes in Texas by Profile
Here are the cheapest insurance companies in Texas based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
Cheap Car Insurance for Good Drivers
For Texas drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Texas, at $54 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
Progressive | $54/mo |
Allstate | $96/mo |
State Farm | $113/mo |
GEICO | $127/mo |
Direct Auto | $144/mo |
Cheap Car Insurance for Drivers with DUI
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
Allstate | $47/mo |
Texas Farm Bureau Group | $50/mo |
Republic Indemity | $55/mo |
Cheap Car Insurance for Drivers with an At-Fault Accident
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
Texas Farm Bureau Group | $35/mo |
Allstate | $38/mo |
Republic Indemity | $40/mo |
Cheap Car Insurance for Speeding Drivers
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
Allstate | $35/mo |
Texas Farm Bureau Group | $35/mo |
Republic Indemity | $44/mo |
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Texas, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Allstate offers the cheapest car insurance rates for young drivers, averaging $34 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Texas 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Texans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
Allstate | $34/mo |
Texas Farm Bureau Group | $38/mo |
USAA | $39/mo |
Republic Indemity | $42/mo |
State Farm | $45/mo |
SR-22 Insurance in Texas
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Texas on your behalf.
TX DMV Information
With a population nearing 30 million, it’s no wonder the Texas Department of Motor Vehicles has many outposts across the state.
Every office is open weekdays from 8 AM to 5 PM, with some locations offering additional early-morning and weekend hours. The DMV is notorious for long lines and wait times.
At the DMV, Texas residents can access services like driver’s license and identification card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services provided by the Texas Department of Insurance. Many services are available online and via U.S. Mail for convenience. Unfortunately, the Texas Department of Public Safety does not offer appointments. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours. Regardless of where you live in the Lone Star State, a DMV shouldn’t be too far.
The Texas Department of Motor Vehicles has hundreds of outposts, including regional service centers in El Paso, Midland-Odessa, Lubbock, Amarillo, Abilene, Wichita Falls, Austin, Waco, Fort Worth, Dallas, Longview, San Antonio, Pharr, Corpus Christi, Houston, and Beaumont.
For more detailed rates on specific personas and driving histories, use our Texas insurance rate resources.
Insurify Insights: How Texas Drivers Measure Up
Moving Violations Rank
Texas
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Texas drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Texas
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. Among all fifty states, Texas drivers rank 36 in the number of car accidents per driver.
- Rank of States: #36
- Percent of drivers in Texas with an accident: 9.42%
- Drivers in TX with an accident in their driving history paid on average 37.67% more than drivers with a clean record
Speeding in Texas
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Texas drivers rank 38 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #38
- Percent of drivers in Texas with a speeding ticket: 8.67%
- Drivers in TX with a speeding ticket in their driving history paid on average 32.09% more than drivers with a clean record
DUI/DWIs in Texas
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Texas drivers rank 46 in the number of DUI’s per driver across all fifty states.
- Rank of States: #46
- Percent of drivers in Texas with a DUI: 1.29%
- Drivers in TX with a DUI in their driving history paid on average 23.26% more than drivers with a clean record
Most Popular Vehicle in Texas
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Texas is the Ford F-Series Pickup.
Rude in Texas
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Texas drivers rank 6 in rude driving infractions.
- Rank of States: #6
- Percent of drivers in Texas with a reckless driving violation: 1.43%
- Drivers in TX with a reckless driving violation in their driving history paid on average 33.02% more than drivers with a clean record.
Safest Drivers in Texas
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Texas drivers rank 14 in clean driving records across all fifty states.
- Rank of States: #14
- Percent of drivers in Texas with clean record: 82.9%
Street Racing in Texas
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Texas drivers rank 35 in street racing violations per driver.
- Rank of States: #35
- Percent of drivers in Texas with a street racing violation: --%
Failure to Yield the Right of Way in Texas
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Texas drivers rank 33 in failure to yield violations per driver across all fifty states.
- Rank of States: #33
- Percent of drivers in Texas with a failure to yield violation: 0.33%
- Drivers in TX with a failure to yield violation in their driving history paid on average 43.72% more than drivers with a clean record
Reckless Drivers in Texas
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. Among all fifty states, Texas drivers rank 49 in the number of reckless driving offenses per driver.
- Rank of States: #49
- Percent of drivers in Texas with a reckless driving offense: 0.02%
Hybrid/Electric Vehicle Ownership in Texas
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Texas drivers rank 16 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #16
- Percent of drivers in Texas with a hybrid/electric vehicle: 1.09%
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.
Flower Mound
% of Hybrids / Electrics
4%
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
#14
Ranked
2%Structurally Deficient
Rural Bridges
#17
Ranked
1%Fatality Rate per 100M VMT
on Rural Roads
#10
Ranked
FAQs - Texas Car Insurance
Is car insurance mandatory in Texas?
Yes. Drivers in Texas must have proof of auto insurance that meets the state's minimum requirements to drive in the state legally. If caught driving an uninsured vehicle, Texans risk civil or criminal charges. First-time offenders of driving as an uninsured motorist in Texas will be slapped with a citation and fines ranging from $175 to $350. Drivers are required to keep proof of insurance on their person any time they are operating a vehicle on Texas roadways. The Texas Department of Insurance states that electronic documents accessible from a smartphone are sufficient proof of insurance if you are not driving with a hard copy of your insurance documentation. Your proof of insurance must include the car insurance company's name, address, policy holder's period of coverage, and auto insurance policy number.
Do I need Personal Injury Protection (PIP) coverage in Texas?
Personal Injury Protection covers the costs of medical bills resulting from a car accident. If you are injured in a car accident, Personal Injury Protection (PIP) pays for contributes towards medical expenses and other related costs. In Texas, PIP Coverage can help with: Medical expenses from injuries suffered in an auto accident. Lost wages due to missed time at work. Replacement services to assist in domestic work you could have done on your own before you were injured. In Texas, PIP coverage is mandatory unless explicitly declined in a waiver.
Which company offers the cheapest car insurance in Texas?
The best way to get the cheapest car insurance in Texas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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