Cheap Auto Insurance Quotes in Texas (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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 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.

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. For the complete list, see Insurify's best car insurance companies.

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, 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.

CityCheapest CarrierQuote
AllstateAllstate
$142/mo
GEICOGEICO
$127/mo
ProgressiveProgressive
$169/mo
ProgressiveProgressive
$149/mo
ProgressiveProgressive
$162/mo
AllstateAllstate
$96/mo
ProgressiveProgressive
$162/mo
ProgressiveProgressive
$54/mo
ProgressiveProgressive
$56/mo
ProgressiveProgressive
$59/mo
ProgressiveProgressive
$58/mo
State FarmState Farm
$113/mo
AllstateAllstate
$123/mo
State FarmState Farm
$144/mo
ProgressiveProgressive
$61/mo
ProgressiveProgressive
$64/mo
ProgressiveProgressive
$61/mo
AllstateAllstate
$113/mo
AllstateAllstate
$142/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.

texas

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 CompanyQuotes
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 CompanyQuotes
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.

Insurance CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
Allstate
$34/mo
Texas Farm Bureau Group
$38/mo
USAA
$39/mo
Republic Indemity
$42/mo
State Farm
$45/mo

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.

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.

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.

Greenes Cities

Roanoke

Greenes Cities
% of Hybrids / Electrics
5%
Most Patriotic City

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 with cars illustration

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.