Cheap Car Insurance in Texas (With Quotes, August 2022)

They say everything is bigger in the Longhorn State. Unfortunately for Texas drivers, that applies to car insurance rates too, with monthly premiums higher than the national average. So looking for cheap car insurance is going to be like finding the best barbecue; it’ll take a bit of sampling.

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The car insurance companies at the top of this list beat the average rates in Texas by a mile. When you’re getting started on your quest for cheap car insurance, it’s great to know who has the most attractive auto insurance quotes right off the bat.

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Cheapest Liability Auto Insurance in Texas

Liability insurance has two components: bodily injury liability, which covers medical bills you owe to injured people if an accident is your fault, and property damage liability, which covers payments to fix or replace people’s cars or property you damage in an at-fault accident. Liability insurance alone is a risky but sure way to get cheap auto insurance, as you can see:

Cheapest Full-Coverage Auto Insurance in Texas

With a full-coverage policy, you’ll be better protected, but your auto insurance rates will be a bit higher. Still, on top of liability insurance to pay for other people’s bodily injury and property damage, you’ll have comprehensive coverage to protect your car from theft, weather, and vandalism, and collision coverage for your car and medical payments—in any accident.

But wait. The cheapest car insurance isn’t always worth the price. No one wants an insurance policy from a company with abysmal customer satisfaction and financial stability ratings. Instead, you can find affordable car insurance from the best car insurance companies out there. This table lets you compare insurance premiums alongside a company’s reputation:

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

If you’ve racked up violations on your driving record, such as speeding tickets, DUIs, and car accidents, auto insurance companies are going to be hesitant to give you their cheapest rates. This makes it all the more important to get quotes from all the insurance providers you can until you find the right one.

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Cheap Car Insurance for Good Drivers in Texas

To be considered a good driver, you will have to maintain a clean driving record with few or no at-fault accidents, speeding tickets, DUIs, or other citations for three to five years. If you can manage it, you’ll have access to some of the best cheap car insurance Texas drivers can buy. Check out these Texas car insurance rates for good drivers:

Cheap Car Insurance for Drivers with DUI in Texas

A DUI is bad news, including for your auto insurance premiums. But if you take the time to explore your options, you won't have to settle for high rates. Even drivers with a spotty driving history can find cheap car insurance. Take a look at the most affordable insurance options for Texas drivers with DUIs.

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SR-22 Insurance in Texas

If you’re caught driving without a driver’s license or get a DUI or some other serious violation, you may need to get SR-22 insurance in order to start driving again. This somewhat narrows your insurance options, and your liability coverage will be more expensive. But with these companies, you’ll find SR-22 insurance you can afford.

Cheap Car Insurance for Drivers with an At-Fault Accident in Texas

When you’re buying an auto insurance policy, an at-fault accident is going to raise your rates. But don’t despair. There are plenty of Texas auto insurance companies that provide reasonable car insurance premiums to drivers with car accidents in their driving history. Here’s a list to get you started:

Cheap Car Insurance for Drivers with Speeding Tickets in Texas

Texas has more miles of highway than any other state. And you know that not every Texas driver is going the speed limit. When you get a speeding ticket, your car insurance premiums tend to go up. But when you shop around, look out for these companies that have the cheapest rates available to drivers with speeding tickets:

Credit history can also be a factor that plays into your car insurance costs. According to Insurify data, Texas drivers with poor credit will pay over $100 more per month than drivers with excellent credit. That’s because drivers with poor credit tend to account for more paid claims than drivers with good credit history.

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Ouch. Teen drivers in Texas pay average rates of almost $500 per month? That’s a huge burden for young drivers who can typically only make the state minimum wage of $7.25 per hour. It means a lot of young drivers and teen drivers are on Texas roads uninsured or underinsured with minimum liability policies. Luckily, as you get older, your average rates lower.

Where car accidents are more likely, insurance premiums increase. While Texas auto insurance rates are typically above the national average, big cities like Houston, Dallas, and Austin have even higher average costs. Find your city below to see how average rates compare across the Longhorn State.

Every state has minimum insurance requirements, and Texas is no exception. Additionally, all drivers in Texas will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Texas.

Minimum Car Insurance Requirements in Texas

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 be 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^[1] are:

• $30,000 per person for bodily injury
• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Texas DMV Information

The Texas DMV can help you get your driver’s license, renew your current one, register a car, change your address, get a CDL, and access other important services Texas drivers rely on. You can do most of these things online.

Public Transportation in Texas

Texas public transportation serves hundreds of millions of riders each year in urban centers, in rural areas, and everywhere in between. Chances are, your community has a number of transit resources to help you get around your town, county, or region.

What is a new car insurance grace period in Texas?

Drivers in Texas typically have a grace period after purchasing a new car during which they can add their new car’s policy to their plan or make any necessary policy modifications. Even though you should add your new car to your insurance policy fairly soon after purchasing, you have cushion time. Texas does not have a specific state law, so the grace period will vary by insurer.

Don’t let knowing you have some time to insure your new car make you feel too comfortable and completely miss the grace period. Be sure to look up online or inquire your insurance company regarding the specific grace period for your insurance company, and try to enroll in coverage at least a few days before the end of the grace period—especially if you’re uninsured.

What happens if you have a traffic incident or accident during the grace period?

During the grace period between buying and insuring a car, some drivers may get into a car accident or commit a traffic offense of some kind. If a person has existing coverage that has not yet been updated to include the new car, their current coverage will extend to the new vehicle—as long as the accident or offense occurred in the insurance company’s grace period.

As always, customers in their grace period should be sure to keep proof of their insurance with them in the car to show if necessary. Uninsured customers in an accident or offense with a new vehicle, however, will likely face hefty fees and perhaps even a misdemeanor offense in the state of Texas. Purchasing insurance decreases the likelihood of incurring significant fees.

Most Texans own their homes—62 percent, in fact, according to available state census data—and need both home and auto insurance coverage. Many insurance companies that offer both home and auto coverage provide bundling discounts to save policyholders money on their premiums. Rather than paying two separate rates for more, customers can pay one for less.

Best Companies for Home and Auto Insurance Bundles in Texas

The costs of home and auto insurance as separate or bundled policies vary, making considering all provider options very important for potential policyholders. To help Texans find an insurance company that provides excellent, affordable coverage, Insurify identified the three top insurers for home and auto insurance in the state—in addition to a few honorable mentions to consider.

Top insurance providers for Texas home and auto insurance policies include Allstate, Farmers, and Progressive. All three of these companies offer affordable rates, opportunities for discounts, and more to provide their policyholders with quality coverage. Other companies to check out include GEICO, Amica, USAA, and Texas Farm Bureau Mutual Insurance Company.

How much do Texans save by bundling home and auto insurance?

On average, Texas customers who bundle home and auto insurance save around 18 percent in discounts. The broader bundling discount range in Texas spans from 5 to 25 percent. Policyholders who bundle benefit from savings, the convenience of dealing with one company, and stronger relationships with their insurers. Is bundling home and auto insurance right for you?

The Texas drivers who do the most aggressive comparison-shopping to find the most car insurance quotes they can are rewarded with the cheapest car insurance rates. And to get this done, Insurify is your best companion. In only a few minutes, you’ll have a free list of car insurance quotes from top companies so you can find the cheapest rates out there.