Cheapest Auto Insurance in Texas (2025)

Car insurance rates are rising across the country, and Texas is no exception. The average Texas driver pays $176 per month for auto insurance, according to Insurify data.

Full-coverage auto insurance costs Texans an average of $227 per month — more than the national average of $192. A liability-only insurance policy costs an average of $126 per month in Texas, compared to the national average of $107.

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 best car insurance in Texas.

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 Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only
GEICO	9.2	$185	$130
Allstate	8.9	$122	$76
USAA	9.1	$155	$96

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

GEICO

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User Reviews	4.0 6,437 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
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.	$130/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.	$185/mo

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Driver Reviews

4.0

Best choiceBased on 12,010 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,437)

Jon

Verified Review

I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.

Reviewed in Washington on July 2025

I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.

Richard

Verified Review

Pricing Information

Reviewed in Florida on July 2025

They quoted me one price, but when I called them back, they gave me another, higher price.

Jacq

Verified Review

My policy is expensive and customer service is lacking

Reviewed in New Jersey on July 2025

I find my policy to be expensive, and when I need help, I have to call multiple times to get my issue resolved. Overall, I'm unsatisfied with the service.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

653

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

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. 

GEICO has some of the cheapest car insurance rates in Texas and offers more than a dozen discounts that could lower your premiums even more, such as discounts for safe driving, taking defensive driving classes, and being a loyal customer.

Pros

• Above-average J.D. Power customer satisfaction rating in Texas

• AM Best financial strength rating of A++ (Superior)

Cons

• Higher rates for drivers with DUIs

• Doesn’t offer rideshare insurance

Allstate

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User Reviews	3.9 3,663 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.9 /10
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.	$76/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.	$122/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 6,878 verified guest reviews and ratings

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,663)

Ann

Verified Review

Rates Increased Despite Good Record

Reviewed in North Carolina on July 2025

Raising car insurance on a housed vehicle with little use.

Ernestine

Verified Review

My experience with the agency was excellent. He took his time to explain the policies.

Reviewed in Georgia on July 2025

Try Allstate first if you need auto or homeowners insurance.

Patricia

Verified Review

Why I Need to Change Insurance Companies!

Reviewed in Texas on July 2025

Ownership has changed and everything has gone downhill! Prices overall have increased and I'm not rewarded for good, safe driving!

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

646

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A-

Why we picked this company

Allstate has been in business for more than 90 years and offers competitive rates in the Lone Star State. The company operates in all 50 states and offers home, motorcycle, off-road vehicle, renters, term life, and auto insurance. Infrequent drivers can also save with Milewise, Allstate’s pay-per-mile program.

Pros

• Above-average J.D. Power customer satisfaction rating in Texas

• Bundling discounts for home and auto insurance

Cons

• May not have the lowest rates in Texas

• Negative customer reviews on Trustpilot

USAA

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User Reviews	4.9 1,196 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
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.	$96/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.	$155/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,109 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,196)

James

Verified Review

Great insurance for those who qualify.

Reviewed in Nebraska on July 2025

When a claim is made, USAA will settle the claim in a fast and reasonable manner. They have your back.

William

Verified Review

May find more affordable.

Reviewed in Washington on July 2025

Great service, too high premiums.

Errin

Verified Review

They Could Do Better!

Reviewed in Florida on July 2025

Average, but not a real discount rate, and rates go up yearly and worsen after even a small claim.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

710

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA has provided insurance coverage to active-duty members of the military, veterans, and their immediate families for more than 100 years. The insurer could be a good option for the nearly 1.6 million veterans in Texas.

In addition to affordable auto policies, USAA offers multiple insurance products, including homeowners, life, and health coverage. The company also has discounts for bundling, insuring multiple vehicles, living on a military base, and more.

Pros

• AM Best financial strength rating of A++ (Superior)

• Discount of up to 30% through the SafePilot program

Cons

• No 24/7 live customer support

• Only active-duty or retired military personnel and their families are eligible for coverage

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 you can reduce your premiums is by increasing your deductible. 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.

Find Cheap Car Insurance in Texas

Liability rates start as low as $54 per month

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Based on 3,806+ reviews

4.8/5

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. But 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.

Liability insurance in Texas costs an average of $126 per month. Take a look at the cheapest liability-only insurers in the table below.

The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$54
Mile Auto	$70
Allstate	$76
USAA	$96
Mercury	$97
Progressive	$102
Nationwide	$121
Dairyland	$122
Root	$122
The General	$125
Bristol West	$126
AssuranceAmerica	$129
GEICO	$130
Safeco	$131
Commonwealth Casualty	$133
Clearcover	$136
National General	$146
Direct Auto	$148
GAINSCO	$152
Elephant	$157
Chubb	$164
21st Century	$189
Foremost	$208
Liberty Mutual	$260
Hugo	$301
State Auto	$362

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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

Texas doesn’t require full-coverage auto insurance, 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.

Texas drivers pay $126 per month, on average, for a full-coverage policy. The table below shows which insurers offer the cheapest full coverage in Texas.

The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$87
Allstate	$122
Mile Auto	$144
USAA	$155
Mercury	$161
Progressive	$177
GEICO	$185
Nationwide	$195
Safeco	$212
Clearcover	$223
Root	$224
The General	$247
Elephant	$248
Direct Auto	$249
National General	$260
Bristol West	$262
Chubb	$263
AssuranceAmerica	$279
21st Century	$304
GAINSCO	$307
Dairyland	$334
Liberty Mutual	$340
Commonwealth Casualty	$355
Foremost	$423
State Auto	$582

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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. 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 your 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 / $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

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

• 

  Comprehensive coverage

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

• 

  Roadside assistance coverage

  Roadside assistance coverage 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.

• 

  Gap coverage

  Gap insurance covers the difference between your totaled car and the outstanding auto loan balance. Lenders often require this coverage if you finance or lease your vehicle.

• 

  Rental reimbursement coverage

  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 $193 per month for auto insurance — noticeably more than drivers with clean records, who pay $149.

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.

Shop for Texas Car Insurance

Monthly liability rates average $144 for drivers with an incident

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Based on 3,806+ reviews

4.8/5

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).

Most auto insurance companies raise rates after a speeding ticket. But some insurers might not raise rates for drivers older than 25 without a similar violation in the past three years.

In Texas, drivers with a speeding ticket on their record pay an average of $267 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: Wednesday, July 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$54	$64
Mile Auto	$70	$80
Allstate	$76	$91
USAA	$96	$115
Mercury	$97	$126
Progressive	$102	$120
Nationwide	$121	$146
Dairyland	$122	$146
Root	$122	$154
The General	$125	$158
Bristol West	$126	$153
AssuranceAmerica	$129	$149
GEICO	$130	$160
Safeco	$131	$161
Commonwealth Casualty	$133	$152
Clearcover	$136	$169
National General	$146	$174
Direct Auto	$148	$178
GAINSCO	$152	$174
Elephant	$157	$181
Chubb	$164	$196
21st Century	$189	$232
Foremost	$208	$253
Liberty Mutual	$260	$317
Hugo	$301	$362
State Auto	$362	$439

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $282 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: Wednesday, July 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
State Farm	$54	$67
Mile Auto	$70	$88
Allstate	$76	$95
USAA	$96	$120
Mercury	$97	$134
Progressive	$102	$127
Nationwide	$121	$152
Dairyland	$122	$153
Root	$122	$151
The General	$125	$163
Bristol West	$126	$158
AssuranceAmerica	$129	$153
GEICO	$130	$153
Safeco	$131	$173
Commonwealth Casualty	$133	$167
Clearcover	$136	$192
National General	$146	$181
Direct Auto	$148	$191
GAINSCO	$152	$185
Elephant	$157	$196
Chubb	$164	$204
21st Century	$189	$240
Foremost	$208	$264
Liberty Mutual	$260	$330
Hugo	$301	$382
State Auto	$362	$457

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $275 per month for full-coverage car insurance. In fact, drivers with a DUI/DWI pay about 66% more for auto insurance than people 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: Wednesday, July 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
State Farm	$54	$74
Mile Auto	$70	$96
Allstate	$76	$104
USAA	$96	$132
Mercury	$97	$132
Progressive	$102	$123
Nationwide	$121	$166
Dairyland	$122	$167
Root	$122	$167
The General	$125	$172
Bristol West	$126	$173
AssuranceAmerica	$129	$177
GEICO	$130	$178
Safeco	$131	$183
Commonwealth Casualty	$133	$182
Clearcover	$136	$187
National General	$146	$200
Direct Auto	$148	$203
GAINSCO	$152	$209
Elephant	$157	$215
Chubb	$164	$225
21st Century	$189	$259
Foremost	$208	$285
Liberty Mutual	$260	$357
Hugo	$301	$413
State Auto	$362	$497

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 affects your car insurance premium significantly. 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 70 due to an increased risk of accidents. Drivers older than 70 have higher crash and death rates than drivers ages 35–53 due to age-related declines in visual, cognitive, and physical function and increased vulnerability to injury, according to the Insurance Information Institute.^[3]

Senior drivers in Texas pay a monthly average of $105 for liability-only car policies and $189 for full coverage. Many insurers also offer discounts to seniors with clean driving records.

The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
State Farm	$50	$31
Allstate	$77	$48
Mile Auto	$86	$42
USAA	$99	$62
Nationwide	$107	$66
GEICO	$109	$77
Mercury	$111	$67
Progressive	$124	$71
Chubb	$140	$87
Direct Auto	$152	$90
National General	$154	$86
Root	$154	$84
Safeco	$157	$97
The General	$160	$81
Elephant	$169	$107
Clearcover	$170	$103
Bristol West	$172	$83
AssuranceAmerica	$176	$81
21st Century	$181	$112
Dairyland	$221	$81
GAINSCO	$221	$110
Liberty Mutual	$226	$173
Commonwealth Casualty	$239	$89
Foremost	$300	$147
State Auto	$348	$216

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 monthly cost of $246 and $443 for liability only and full coverage, respectively.

Drivers ages 16–19 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.^[4]

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: Wednesday, July 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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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Insurance Company	Full Coverage	Liability Only
State Farm	$169	$105
Allstate	$245	$153
USAA	$292	$181
Mile Auto	$303	$147
Mercury	$310	$187
GEICO	$341	$239
Progressive	$345	$199
Nationwide	$387	$240
Root	$403	$220
Clearcover	$409	$250
The General	$437	$221
Elephant	$441	$279
Safeco	$445	$275
Bristol West	$483	$232
Direct Auto	$502	$298
National General	$541	$304
AssuranceAmerica	$567	$262
Chubb	$567	$353
21st Century	$573	$356
Dairyland	$574	$209
GAINSCO	$590	$292
Liberty Mutual	$632	$483
Commonwealth Casualty	$667	$250
Foremost	$827	$407
State Auto	$1,429	$889

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. 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 people with the highest scores, according to the Federal Trade Commission (FTC). 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 credit history when setting rates. 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.

Texas car insurance FAQs