Cheapest Auto Insurance in Abilene, Texas (2023)

State Farm is the cheapest auto insurer in Abilene, Texas, with an average liability rate of $33 a month.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • 10+ years writing insurance and personal finance topics

  • Former associate finance editor for Investopedia

Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.

Featured in

media logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Updated November 30, 2023 at 11:00 AM PST

Save up to $717 by comparing quotes from the top 70+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Insurify’s expert insurance writers and editors operate independently of our insurance partners. As an independent agent and insurance comparison website, we make money through commissions from insurers. But that does not influence any editorial content, including reviews. Learn more.

If you want to live in a Texas city with affordable car insurance rates, Abilene is worth considering. Drivers in Abilene pay an average of $151 per month for car insurance, which is lower than the average cost of an auto policy in other Texas cities.

Abilene has a relatively small population — 127,000 people — compared to other Texas cities, which can contribute to its comparatively cheaper car insurance rates.[1] Here’s what you need to know about finding the cheapest car insurance rates in Abilene, Texas.

Quick Facts
  • The average cost of car insurance in Abilene is $91 a month for liability-only coverage and $210 a month for full coverage.

  • State Farm offers the cheapest liability-only insurance for drivers in Abilene, Texas.

  • Car insurance companies in Texas can use your credit information to determine your rates.[2]

Cheapest car insurance companies in Abilene

While State Farm offers the cheapest car insurance on average for drivers in Abilene, that doesn’t necessarily mean it’s the best option for every driver. The right car insurance company will depend on your unique situation and needs, so it’s a good idea to compare coverage and obtain quotes before choosing an insurer.

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.
Average Quote: Full CoverageAverage Quote: Liability OnlyBest for
State Farm4.5$64$39Affordable coverage
USAA4.5$115$69U.S. military members
Mile Auto3.5$93$49Low-mileage drivers
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for affordable coverage: State Farm

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.
842
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.
$33/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.
$54/mo

Compared to other popular auto insurance companies, State Farm offers cheap car insurance for Abilene drivers. Customers can also take advantage of plenty of its customizable coverage options.

In addition to offering cheap insurance in Abilene, State Farm also provides a variety of discounts. Policyholders can benefit from safe driving, multi-car, bundling, anti-theft discounts, and more. Drivers younger than 25 can also get involved in State Farm’s Steer Clear driving program to access lower insurance rates.

Pros
  • Low rates compared to competitors

  • Several discounts available

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

Cons
  • Can’t buy a policy online

  • Discounts may vary depending on location

  • Gap insurance not available

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

Best insurer for U.S. military members: 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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$59/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.
$98/mo

Abilene is home to Dyess Air Force Base and more than 8,000 military personnel. Service members seeking a new auto insurance policy can find affordable coverage with USAA. Since its founding in 1922, this insurance company has provided policies to people affiliated with the U.S. military.

USAA also offers special discounts for military members that could lower your insurance rates, including a 15% on-base discount for eligible drivers.

Pros
  • Several discounts available

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

  • A+ (Excellent) AM Best rating signals financial stability

Cons
  • Doesn’t offer gap insurance

  • Only available to people affiliated with U.S. military

  • Not the cheapest coverage option

They are the best in customer service.

Brenda - September 13, 2023
Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023
Verified

Great operation since I was a Lt.

raymond - September 7, 2023
Verified
Read our USAA review

Best insurer for low-mileage drivers: Mile Auto

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.
3.4
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).
NR
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.
$42/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.
$79/mo

Auto insurance companies often charge the same rates no matter how often you drive, but Mile Auto works differently. Rather than paying a standard rate, Mile Auto customers pay per mile each month.

Mile Auto charges a flat monthly rate, regardless of how much you drive, plus a per-mile rate that it adds at the end of the month. If you work from home in Abilene or simply don’t drive frequently, this car insurance company could be a smart option.

Pros
  • Relatively cheap coverage

  • Doesn’t require an in-car device

  • High AM Best rating

Cons
  • Not designed for high-mileage drivers

  • No advertised discounts

  • No mobile app available

How to get the cheapest car insurance in Abilene

The best way to find affordable car insurance in Abilene is to compare quotes from different insurers. Remember that insurance companies consider several things when determining your rates, including your driving record, location, age, gender, credit history, and more.[3]

In addition to comparing quotes, here are some tips for finding cheap car insurance in Abilene:

  • Research available discounts. Many auto insurance companies advertise discounts, but make sure you can qualify for them before purchasing a policy.

  • Opt for a higher deductible. Ask your insurer about increasing your deductible to reduce your monthly premiums. Just remember that if you file a claim, you’ll pay a larger amount before your insurance kicks in.

  • Improve your credit. Since insurance companies in Texas can consider your credit score when determining rates, improving your credit could help you secure the lowest rates.

Find Cheap Car Insurance in Abilene, Texas

Check quotes from 70+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest liability-only car insurance in Abilene

Property damage and bodily injury liability insurance protect you if you’re responsible for damaging someone’s property or injuring another driver or their passengers in an accident. On average, Abilene drivers pay $91 a month for liability coverage in the city. Because liability insurance is the bare-minimum coverage you can purchase, it’s usually your cheapest option.

Here’s a look at which insurance companies offer affordable liability-only coverage in Abilene.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm33
GEICO36
Mile Auto42
Allstate47
USAA59
Safeco70
Nationwide80
Midvale Home & Auto81
Progressive81
Mercury83
Dairyland88
Clearcover95
Chubb100
National General102
Liberty Mutual103
Elephant105
Commonwealth Casualty106
Direct Auto113
21st Century115
GAINSCO121
The General126
Bristol West136
AssuranceAmerica141
State Auto151
Infinity157
Foremost181
Hallmark190
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 Abilene

A full-coverage car insurance policy includes property damage and bodily injury liability, and it includes other coverages as well. Full-coverage insurance typically includes collision and comprehensive insurance, which cover damages to your vehicle, regardless of fault. The average cost of full-coverage car insurance in Abilene is $210 a month.

These companies offer the cheapest full-coverage insurance in Abilene.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm54
GEICO59
Allstate77
Mile Auto79
USAA98
Clearcover119
Mercury130
Travelers132
Nationwide136
Progressive139
Midvale Home & Auto147
Safeco148
Stillwater161
Chubb165
Elephant165
AssuranceAmerica190
21st Century191
Direct Auto198
Liberty Mutual207
Dairyland218
National General226
Bristol West237
Infinity237
The General246
Commonwealth Casualty263
GAINSCO266
State Auto277
Foremost337
Hallmark370
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.

Estimate your Abilene car insurance costs

Select discounts that apply to you
Save 31%
Save 8%
Save 23%
Save 39%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

Car insurance requirements in Texas

Texas requires all drivers to carry minimum car insurance liability limits, and the state is a tort, or at-fault, state. This means that the driver found at fault in an accident is responsible for paying for any damages to other vehicles or injuries to other parties. Drivers who aren’t at fault don’t need to file claims with their own insurance companies.

Here’s a look at the minimum coverage requirements in Texas:[4]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000

While you can drive legally in Texas with just state-minimum liability insurance, it may not offer enough protection for everyone. Here are some additional coverages you can consider adding to your Abilene car insurance policy:

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

    Collision coverage

    Collision coverage pays for damage to your car due to a motor vehicle accident.

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

    Comprehensive coverage

    Comprehensive coverage pays for damage to your vehicle due to non-collision events, such as natural disasters, severe weather events, fire, theft, or burglary.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for damage to your vehicle and medical expenses if you’re involved in a crash with someone who doesn’t have adequate car insurance.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    Personal injury protection (PIP) coverage pays for your medical care, lost wages, and other essential expenses, such as child care, if you’re injured in a motor vehicle accident. Car insurance policies in Texas include this coverage, but you can waive it with a written letter to your insurer.

Cheapest car insurance for drivers with an incident

If you’re a driver in Abilene with an incident on your record, your insurance company may deem you a high risk to insure. Incidents can include speeding tickets, driving under the influence, at-fault accidents, and other moving violations. Because of the higher risk associated with a poor driving record, these drivers tend to pay more for car insurance.

Shop for Car Insurance in Abilene, TX

Rates start at $44 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket

While you want to get from Point A to Point B quickly, it’s wise to obey the posted speed limits in Abilene. A single speeding ticket can hike your insurance rates, and multiple tickets may result in even higher costs. Drivers in Abilene with a speeding ticket on their record pay an average of $205 a month for car insurance.

Here’s how insurance quotes can increase among insurance companies when you get a speeding ticket.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm3145
GEICO3449
Mile Auto3957
Allstate4464
USAA5580
Safeco6595
Nationwide75109
Midvale Home & Auto76110
Progressive76110
Mercury77113
Dairyland82120
Clearcover89129
Chubb93136
National General95139
Liberty Mutual96140
Elephant98143
Commonwealth Casualty99144
Direct Auto105154
21st Century107157
GAINSCO113165
The General118171
Bristol West127185
AssuranceAmerica132192
State Auto141205
Infinity147214
Foremost169246
Hallmark177259
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

In 2022, Abilene reported more than 2,000 motor vehicle crashes.[5] Like speeding tickets, at-fault accidents also affect the cost of your car insurance. Drivers with one or more at-fault accidents are often deemed a higher risk to insure, resulting in higher insurance costs.

The average cost of car insurance for drivers in Abilene with an at-fault record is $221 a month, but you may be able to find cheaper rates if you shop around and commit to driving safely.

Here’s a look at how average quotes compare for drivers with a clean record versus an at-fault accident.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Accident
State Farm3148
GEICO3453
Mile Auto3961
Allstate4469
USAA5586
Safeco65102
Nationwide75117
Midvale Home & Auto76118
Progressive76118
Mercury77121
Dairyland82129
Clearcover89139
Chubb93146
National General95149
Liberty Mutual96150
Elephant98153
Commonwealth Casualty99155
Direct Auto105165
21st Century107168
GAINSCO113177
The General118184
Bristol West127199
AssuranceAmerica132206
State Auto141221
Infinity147229
Foremost169264
Hallmark177277
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 DWI

Drivers in Abilene with past DWIs also pay higher car insurance rates. Insurance companies view drivers with DWIs on their records as high-risk and more likely to cause accidents and file claims. Abilene drivers with DWIs on their driving records pay an average of $251 a month for car insurance.

Here’s how insurance quotes compare with a clean driving record versus with a DWI.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith DWI
State Farm3155
GEICO3460
Mile Auto3970
Allstate4478
USAA5598
Safeco65116
Nationwide75133
Midvale Home & Auto76135
Progressive76135
Mercury77138
Dairyland82146
Clearcover89158
Chubb93166
National General95169
Liberty Mutual96171
Elephant98174
Commonwealth Casualty99176
Direct Auto105188
21st Century107191
GAINSCO113201
The General118209
Bristol West127226
AssuranceAmerica132234
State Auto141251
Infinity147261
Foremost169301
Hallmark177315
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

Insurance rates are generally the lowest for drivers ages 35 to 75. While drivers in their 30s and 40s tend to pay the cheapest rates, senior drivers pay a little bit more because of their increased mortality rates and decreased physical capabilities.[6] The average cost of car insurance for Abilene drivers in their 60s is $105 a month.

Here are the cheapest car insurance companies for senior drivers in Abilene.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
State Farm1728
GEICO1931
Mile Auto2242
Allstate2541
USAA3152
Safeco3778
Nationwide4272
Midvale Home & Auto4377
Progressive4373
Mercury4468
Dairyland46115
Clearcover5063
Chubb5387
Liberty Mutual54109
National General54119
Elephant5587
Commonwealth Casualty56138
Direct Auto59104
21st Century61101
GAINSCO64140
The General66129
Bristol West72125
AssuranceAmerica74100
State Auto79146
Infinity83125
Foremost95177
Hallmark100195
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

Insurance rates for young drivers skew much higher than those for adults. That’s because auto insurers view teens’ inexperience on the road as a potential risk. Teen drivers in Abilene pay an average of $259 a month for car insurance.

Here are a few things you can do if you’re a teen driver seeking affordable car insurance in Abilene:

  • Stay on your parents’ insurance. Car insurance coverage is often less expensive if you stay on your parents’ insurance rather than purchasing your own policy.

  • Drive an older, reliable car. Choosing a safe, older car is another way to keep your costs down, as many car insurance companies offer lower insurance rates when vehicles have certain safety features and are lower in value.

  • Get good grades. Many insurers offer good student discounts if you maintain good grades.

Here are some of the most affordable car insurance options in Abilene for teen drivers.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
State Farm5793
GEICO62101
Mile Auto72135
Allstate81132
USAA101168
Safeco120254
Nationwide137233
Midvale Home & Auto139252
Progressive139238
Mercury142223
Dairyland151374
Clearcover163204
Chubb171283
National General175387
Liberty Mutual177355
Elephant180283
Commonwealth Casualty182451
Direct Auto194339
21st Century197327
GAINSCO207456
The General216422
Bristol West233406
AssuranceAmerica242326
State Auto259475
Infinity269406
Foremost310577
Hallmark326634
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.

Find Car Insurance for Teens in Abilene

Teen drivers pay an average of $156 for a liability policy

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Abilene car insurance quotes by credit tier

Insurance companies in Texas can consider your credit score when determining your insurance rates.[2] Drivers with excellent or good credit scores generally pay lower car insurance rates than drivers with poor credit scores, though insurers in Texas are prohibited from relying solely on your credit to determine costs.

Here are the average car insurance costs in Abilene, based on credit tier.

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.

Is car insurance more expensive in Abilene?

Texas has relatively high auto insurance rates compared to the national average. But coverage is relatively affordable in Abilene compared to the rest of the state. It costs an average of $178 a month to insure a car in Texas, but only $151 per month on average in Abilene.

Insurance rates can vary within ZIP codes based on a city’s population, population density, crime rate, and other factors. Because Abilene is a smaller town far from major metropolitan areas, it tends to have cheaper car insurance rates than other cities.

More cities in Texas

Here’s how the average cost of car insurance in Abilene compares to costs in other Texas cities.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Amarillo$103$235
Arlington$126$235
Austin$126$235
Beaumont$136$279
Corpus Christi$122$230
Dallas$139$265
El Paso$93$207
Fort Worth$123$231
Irving$135$263
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.

Abilene car insurance FAQs

Learn how to shop for car insurance quotes, and check out Insurify’s answers to common questions about auto coverage in Abilene below.

  • How much is car insurance in Abilene?

    The average cost of car insurance in Abilene is $91 a month for liability-only coverage and $210 a month for full coverage.

  • What company has the cheapest car insurance in Abilene?

    The cheapest car insurance companies in Abilene are State Farm and GEICO, with average liability-only rates of $33 and $36 a month, respectively. But one of the best ways to find the cheapest car insurance for your unique driver profile is to shop with different companies and compare quotes.

  • What are the best car insurance companies in Abilene?

    Among the best car insurance companies in Abilene are State Farm, USAA, and Mile Auto. These insurers have comparatively cheap car insurance rates, high customer satisfaction ratings, and solid Insurify Quality Scores.

  • How much is car insurance per month in Texas?

    The average cost of car insurance in Texas is $237 a month for full coverage and $119 a month for liability coverage.

  • What is the bare-minimum car insurance in Texas?

    Texas requires drivers to purchase 30/60/25 liability coverage to drive. These limits translate into $30,000 per person and $60,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[4]

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. U.S. Census Bureau. "QuickFacts: Lubbock city, Texas; Dallas city, Texas; Abilene city, Texas." Accessed September 13, 2023
  2. Texas Department of Insurance. "Credit Scoring and Insurance." Accessed September 13, 2023
  3. III. "What determines the price of an auto insurance policy?." Accessed September 13, 2023
  4. Texas Department of Insurance. "Auto insurance guide." Accessed September 13, 2023
  5. Texas Department of Transportation. "Crashes and Injuries Cities and Towns: 2022." Accessed September 13, 2023
  6. III. "Senior driving safety and insurance tips." Accessed September 13, 2023
Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all