Cheapest Auto Insurance in Texas (2024)

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

Cassie Sheets
Written byCassie Sheets
Cassie Sheets
Cassie SheetsData Journalist
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  • Lifestyle contributor to 30+ local news sites

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

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Evelyn PimplaskarEditor-in-Chief, Director of Content
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Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

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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 Halachev
Data reviewed byKonstantin Halachev
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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.

Updated June 13, 2024

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Cheapest recent rates in Texas

Recent Texas car insurance prices for Honda, GMC, Buick , and more.

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

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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

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

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

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

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

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

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

3 of the cheapest car insurance companies in Texas

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

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest for
GEICO4.4$69$41Drivers with a clean record
Allstate4.4$90$54Infrequent drivers
USAA4.7$113$90Military families
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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

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

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for drivers with a clean record: GEICO

Compare personalized, real-time quotes
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.
4.4
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.
$69/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

Read our GEICO review
Joyce - June 13, 2024
Verified

Excellent

Use Geico, they will work with you.

Polly - June 13, 2024
Verified

Very Sad

The rates are too high.

Larry - June 12, 2024
Verified

Poor

The insurance is overpriced.

Best insurer for infrequent drivers: Allstate

Compare personalized, real-time quotes
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.
4.4
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.
$90/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

Read our Allstate review
Mark - June 13, 2024
Verified

Terrible, company didn't cover two rocks hitting my windshield

The assistance was awful.

Jay - June 13, 2024
Verified

Not the Greatest, But OK

The app isn't great, so it's better to deal with an agent.

Louis - June 13, 2024
Verified

Allstate is Overpriced

They are way too expensive.

Best insurer for military and veterans: USAA

Compare personalized, real-time quotes
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.
4.7
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.
$113/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

Read our USAA review
Dorothy - June 13, 2024
Verified

Price

It's a good company, but the price increases every year.

Steven - June 13, 2024
Verified

Hopeless

I am a disabled veteran. I lost my phone and got a new number. I needed to adjust my policy and had forgotten my old phone number and password codes. They would not allow access to my account to make changes. It became a nightmare. Otherwise, they are a good company.

Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

How to get the cheapest car insurance in Texas

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

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

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

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

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

  • Take advantage of any car insurance discounts your insurer offers.

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

Cheapest liability-only car insurance in Texas: State Farm

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

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
State Farm$38
GEICO$41
Mile Auto$54
Allstate$54
Hugo$56
USAA$68
Safeco$82
Nationwide$85
Mercury$89
Progressive$98
Midvale Home & Auto$98
Dairyland$104
Clearcover$112
Chubb$115
National General$120
Liberty Mutual$128
Elephant$128
Direct Auto$132
21st Century$133
Commonwealth Casualty$135
The General$141
GAINSCO$155
Bristol West$157
State Auto$177
AssuranceAmerica$179
Infinity$191
Hallmark$210
Foremost$219
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: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
State Farm$63
GEICO$69
Allstate$90
USAA$113
Mile Auto$113
Clearcover$142
Mercury$143
Hugo$144
Nationwide$163
Safeco$170
Progressive$172
Midvale Home & Auto$175
Chubb$192
Elephant$215
21st Century$222
AssuranceAmerica$236
Liberty Mutual$266
Direct Auto$267
National General$267
Dairyland$269
The General$298
Infinity$299
Bristol West$316
State Auto$321
GAINSCO$339
Commonwealth Casualty$355
Foremost$448
Hallmark$458
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.

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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 $238 a month for auto insurance — noticeably more than drivers with clean records, who pay $160.

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

Find Cheap Car Insurance in Texas

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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]

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$38$49
GEICO$41$53
Mile Auto$54$75
Allstate$54$70
Hugo$56$77
USAA$68$88
Safeco$82$108
Nationwide$85$111
Mercury$89$124
Progressive$98$127
Midvale Home & Auto$98$132
Dairyland$104$136
Clearcover$112$147
Chubb$115$151
National General$120$152
Liberty Mutual$128$183
Elephant$128$183
Direct Auto$132$173
21st Century$133$178
Commonwealth Casualty$135$193
The General$141$185
GAINSCO$155$222
Bristol West$157$202
State Auto$177$249
AssuranceAmerica$179$237
Infinity$191$258
Hallmark$210$273
Foremost$219$314
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.

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

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyClean Driving RecordWith Accident
State Farm$38$52
GEICO$41$57
Mile Auto$54$81
Allstate$54$75
Hugo$56$75
USAA$68$94
Safeco$82$110
Nationwide$85$119
Mercury$89$131
Progressive$98$138
Midvale Home & Auto$98$143
Dairyland$104$144
Clearcover$112$165
Chubb$115$160
National General$120$166
Liberty Mutual$128$193
Elephant$128$174
Direct Auto$132$187
21st Century$133$188
Commonwealth Casualty$135$184
The General$141$199
GAINSCO$155$208
Bristol West$157$214
State Auto$177$269
AssuranceAmerica$179$249
Infinity$191$261
Hallmark$210$282
Foremost$219$331
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. Texas drivers with a DUI pay an average cost of $435 per month. In fact, drivers with a DUI/DWI pay about 66% more for auto insurance than those with a clean driving record, but you can still find ways to get a cheaper rate.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyClean Driving RecordWith DUI
State Farm$38$65
GEICO$41$70
Mile Auto$54$84
Allstate$54$92
Hugo$56$96
USAA$68$116
Safeco$82$140
Nationwide$85$145
Mercury$89$138
Progressive$98$168
Midvale Home & Auto$98$168
Dairyland$104$178
Clearcover$112$191
Chubb$115$197
National General$120$205
Liberty Mutual$128$219
Elephant$128$219
Direct Auto$132$226
21st Century$133$227
Commonwealth Casualty$135$231
The General$141$241
GAINSCO$155$265
Bristol West$157$268
State Auto$177$303
AssuranceAmerica$179$306
Infinity$191$327
Hallmark$210$359
Foremost$219$374
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.[4]

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyFull Coverage Liability Only
State Farm$32$19
GEICO$39$23
Allstate$51$31
Mile Auto$62$30
USAA$65$39
Hugo$75$29
Mercury$77$48
Nationwide$79$41
Progressive$79$45
Clearcover$86$68
Chubb$92$55
Midvale Home & Auto$93$52
Safeco$103$49
21st Century$116$70
Elephant$125$75
AssuranceAmerica$131$99
Liberty Mutual$150$72
Direct Auto$151$75
Dairyland$161$62
Infinity$163$104
National General$168$76
State Auto$176$97
Bristol West$188$93
The General$189$90
GAINSCO$227$104
Commonwealth Casualty$231$88
Foremost$256$125
Hallmark$262$120
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. For example, teen drivers in Texas pay an average cost of $206 and $434 for liability only and full coverage, respectively.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyFull Coverage Liability Only
State Farm$104$63
GEICO$106$63
Allstate$154$93
USAA$183$110
Mile Auto$215$103
Hugo$246$96
Mercury$255$159
Clearcover$271$213
Nationwide$273$142
Midvale Home & Auto$298$167
Progressive$305$174
Elephant$347$207
Chubb$347$208
Safeco$348$168
21st Century$362$217
AssuranceAmerica$429$326
Dairyland$441$170
The General$472$223
Direct Auto$477$236
Liberty Mutual$483$233
National General$493$222
Bristol West$527$262
Infinity$537$343
State Auto$557$307
GAINSCO$593$271
Commonwealth Casualty$616$234
Foremost$778$380
Hallmark$796$365
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 recent rates in Texas

Recent Texas car insurance prices for Jeep, Chevrolet, Mazda , and more.

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

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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 those with the highest scores, according to the Federal Trade Commission (FTC).[6] Because people with low credit scores tend to be more costly to insure, insurance companies typically charge these customers more for auto insurance.

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

Rates by Credit Tier

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

  • What are the best car insurance companies in Texas?

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

  • Why is auto insurance so expensive in Texas?

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

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

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

Methodology

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

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

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

  • 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.

Sources

  1. Texas Department of Insurance. "Shopping for auto insurance: What to know before you buy a policy."
  2. Texas Department of Insurance. "Automobile insurance guide."
  3. National Centers for Environmental Information. "Storm Events Database."
  4. ScienceDirect. "Continued trends in older driver crash involvement rates in the United States."
  5. IIHS. "Fatality Facts."
  6. FTC. "Credit-Based Insurance Scores."
Cassie Sheets
Cassie SheetsData Journalist

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 Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
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.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
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 Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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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