Cheapest Car Insurance in Texas After an Accident
State Farm offers the cheapest car insurance in Texas after an accident. Its liability insurance rates average $59 per month.
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Written byMandy Sleight
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Mandy SleightInsurance Writer
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Drivers with an at-fault accident pay about 25% more for auto insurance, on average, in the Lone Star State. Comparison shopping can help you find the best car insurance companies offering the lowest rates for Texans with an accident history.
Read on to learn more about how a car accident affects your premiums in Texas, where to find the cheapest auto insurance, and how accident forgiveness can protect your insurance premiums.
Quick Facts
Texas car insurance costs around $148 per month for liability insurance and $276 for full coverage per month.
State Farm and Allstate are the cheapest insurers in Texas with an at-fault accident, averaging $59 and $84 for liability coverage per month.
Texans report a car accident every 59 seconds, with speeding the top contributing factor.[1]
Cheapest car insurance companies in Texas after an accident
You can find the cheapest car insurance coverage after an accident by comparing prices from several auto insurance companies. In Texas, State Farm offers the cheapest average liability rates, at $59 per month.
Premiums increase after an accident because insurers see you as more likely to file future insurance claims.[2] Check out the table below for the cheapest average monthly rates with an accident in Texas, according to Insurify data.
The below rates in Texas are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $59 | $112 |
| Allstate | $84 | $160 |
| Mile Auto | $85 | $183 |
| Progressive | $87 | $154 |
| GEICO | $93 | $194 |
| USAA | $105 | $202 |
| Freedom National | $113 | $366 |
| First Acceptance | $118 | $286 |
| Alinsco | $124 | $238 |
| The General | $127 | $279 |
| Lone Star | $128 | $297 |
| GAINSCO | $129 | $242 |
| Mercury | $129 | $206 |
| Commonwealth Casualty | $130 | $284 |
| Nationwide | $133 | $255 |
| Bristol West | $135 | $257 |
| Dairyland | $136 | $324 |
| Root | $139 | $226 |
| Covercube | $142 | $324 |
| Mendota | $142 | $273 |
| AssuranceAmerica | $144 | $268 |
| Clearcover | $146 | $249 |
| Sun Coast | $152 | $297 |
| National General | $157 | $256 |
| Direct Auto | $159 | $246 |
| Safeco | $161 | $233 |
| Loop | $161 | $292 |
| Elephant | $161 | $243 |
| Chubb | $178 | $340 |
| Trexis One | $182 | $370 |
| 21st Century | $209 | $402 |
| Liberty Mutual | $250 | $356 |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
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How much does car insurance in Texas increase after an accident?
Car insurance is higher in Texas compared to the national average, and rates can increase significantly after an accident. Drivers with a clean driving record pay about $159 per month, while those with an at-fault accident pay around $212 per month.
Texas is an at-fault state, which means your car insurance rates will typically increase more when you cause an accident than if you weren’t at fault. It’s usually an at-fault claim if your insurer pays for damage under bodily injury liability coverage or property damage liability coverage. Insurers also typically treat hitting an object, such as a pole or guardrail, as an at-fault accident.
Getting a speeding ticket or driving under the influence (DUI) can raise your rates even more. Insurers also consider your prior driving record. If you had a previous accident or ticket, you could see even steeper increases.
Driving Record | Average Monthly Rate |
|---|---|
| Clean driving record in Texas | $159 |
| At-fault accident in Texas | $212 |
Disclaimer: Table data is based on real-time Texas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How long does an accident stay on your record in Texas?
An accident typically stays on your driving record for three years in Texas.[3] Your insurance company can increase your rates for an at-fault accident at your next renewal. How much depends on the insurer, accident severity, and your prior record.
Insurers can’t raise your premium for a no-fault accident that wasn’t payable under your car insurance policy. But you could see higher rates if you’ve had two or more in a single year, according to the Texas Department of Insurance (TDI).[4]
Speeding tickets usually stay on for three years, but a DUI conviction can stay on your record indefinitely in Texas.[5] That said, insurers can typically only consider infractions on your driving record for up to five years.
How to get cheaper Texas car insurance after an accident
Higher rates are common after an accident. But Texas drivers still have ways to save. Here are some tips to get cheap car insurance in Texas after a crash:
Compare quotes regularly
Premiums vary widely between insurers in Texas. Shopping around is key to getting the right car insurance coverage at the best price.
Take a defensive driving course
In Texas, eligible drivers can complete a state-approved course to qualify for a discount.
Bundle policies
Many insurers in cities like Houston offer a multi-policy discount for bundling auto and home insurance.
Review coverage options
If you’re still driving around your old Ford pickup — one of the most popular vehicles in Texas — dropping extras like roadside assistance or collision coverage can lower your premium.
Consider pay-per-mile insurance
If you drive less than the Texas average of 9,526 miles per year, you might save with pay-as-you-go insurance.
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What is accident forgiveness, and do you need it in Texas?
Accident forgiveness is an optional add-on that prevents your insurance premiums from increasing after your first at-fault accident. Only some insurance companies, like Allstate, GEICO, and Progressive, offer accident forgiveness.
This type of coverage usually costs extra, and the cost varies by insurer. But if you’re a safe driver with a clean driving record, you may earn it for free.
While accident forgiveness can provide peace of mind and protect your rates from future increases, it’s important to read the fine print. It may only cover one accident, so future claims can still raise rates.
Car insurance after an accident in Texas FAQs
Here are some quick answers to common questions people ask about car insurance in Texas after an accident.
What is the cheapest car insurance in Texas after an accident?
State Farm offers the cheapest car insurance in Texas after an accident, at an average monthly rate of $59, according to Insurify data. Rates vary based on your driving record, coverage options, and ZIP code. Comparing multiple insurers is the best way to find the cheapest premium.
What is the best car insurance after an accident?
Car insurance companies with strong customer service and claims support ratings, and flexible coverage options are the best after an accident. Consider insurers offering extra protections like accident forgiveness and diminishing deductibles, which can help offset higher deductibles that lower premiums post-accident.
Which insurance company has the best claim settlement?
Top insurers in Texas known for the best claim settlement experience include companies like Nationwide, State Farm, and USAA.[6][7] These companies tend to handle insurance claims quickly and fairly, which is important after a car accident involving coverages like property damage, bodily injury liability, or personal injury protection (PIP).
Which insurance has the best accident forgiveness?
Allstate, GEICO, and Progressive are well known for accident forgiveness programs. Some offer it as an add-on, while others include it for safe drivers or loyal customers. The best option depends on your eligibility and how much you’re willing to pay for extra premium protection.
How much will insurance go up with an at-fault accident in Texas?
Insurance premiums in Texas increase by about 25% on average after an at-fault accident, according to Insurify data. The exact insurance depends on factors like accident severity, your previous driving record, and your car insurance company’s pricing model.
Sources
- Texas.gov. "Texas Department of Transportation Traffic Safety Data Portal: Statewide."
- Office of Public insurance Counsel. "How is My Car Insurance Rate Calculated?."
- Department of Public Safety. "How to Order a Driver Record."
- Texas Department of Insurance. "Consumer Bill of Rights."
- Nolo.com. "Texas DWI/DUI Laws and 1st, 2nd, & 3rd Conviction Penalties."
- Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
- Naic.org. "Consumer Insurance Refined Search Results."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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Mandy SleightInsurance Writer
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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