Cheap Car Insurance in Texas With Bad Credit (2026)
State Farm offers the cheapest car insurance for drivers with bad credit in Texas, averaging $62 per month.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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John LeachLicensed P&C Agent, Chief Copy Editor
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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Quick Facts
Texas allows insurers to use credit history to create a credit-based insurance score that helps determine car insurance rates.[1]
Drivers with bad credit pay an overall average rate of $198 for auto insurance in Texas.
Comparing quotes from at least three Texas insurers can help you find the cheapest rates with poor credit.
Cheapest car insurance in Texas for bad credit
State Farm offers some of the cheapest car insurance rates in Texas for drivers with bad credit. Although Texas insurance companies can use your credit history to set rates, insurers can’t deny, cancel, or refuse to renew a policy based only on your credit.
Here are the cheapest insurers in Texas for drivers with poor credit.
The below rates in Texas are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $62 |
| Allstate | $75 |
| Mile Auto | $79 |
| Progressive | $80 |
| GEICO | $85 |
| USAA | $95 |
| Mercury | $105 |
| First Acceptance | $109 |
| The General | $111 |
| Alinsco | $114 |
| GAINSCO | $117 |
| Lone Star | $118 |
| Commonwealth Casualty | $119 |
| Bristol West | $124 |
| Clearcover | $124 |
| Root | $125 |
| Covercube | $126 |
| Dairyland | $127 |
| AssuranceAmerica | $131 |
| Mendota | $133 |
| Excepsure | $139 |
| Sun Coast | $139 |
| Direct Auto | $140 |
| Safeco | $140 |
| National General | $143 |
| Elephant | $147 |
| Loop | $148 |
| Trexis One | $173 |
| 21st Century | $188 |
| Insurify Car | $190 |
| Hugo | $197 |
| Chubb | $208 |
| Liberty Mutual | $220 |
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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Liability rates for bad credit start at $62 per month
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Average Texas car insurance rates by credit tier
Texas car insurance costs more for drivers with poor credit than for drivers with good credit. Drivers with poor credit pay an average of about 28% more for coverage. Texas insurance premiums also run higher than the national average due to statewide risk factors such as severe weather and traffic congestion in major metropolitan areas.[2] [3]
The graph below compares average auto insurance rates in Texas with the national average by credit tier.
Credit Tier | Texas Average Monthly Rate | National Average Monthly Rate |
|---|---|---|
| Excellent | $142 | $124 |
| Good | $156 | $136 |
| Fair | $164 | $148 |
| Poor | $199 | $173 |
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 credit affects car insurance rates in Texas
Texas lets auto insurance companies use your credit history to set rates, but it can’t be the only risk factor the underwriting department uses. Texas insurers will also consider factors like your age, driving history, vehicle type, and ZIP code.
Companies create an insurance credit score using information from your credit report, such as how much debt you owe and whether you pay your bills on time. Studies show that people with fair or poor credit are more likely to file claims or miss premium payments.[4] Since these drivers are at a higher risk of filing claims, insurers typically charge higher premiums.
Texas allows a few exceptions if a divorce, temporary unemployment, or other qualifying life event affects your credit. You can request an exception in writing from your insurance company. It can decide not to consider that credit information, or it may use a neutral credit score to rate your insurance policy.
How to get cheaper Texas car insurance with bad credit
It’s possible to find cheap car insurance in Texas, even with bad credit. Here are some tips to help you get the cheapest insurance coverage:
Compare insurance quotes at each policy renewal. Rates can change often, especially after hail seasons, hurricanes, or major storm losses along the Gulf Coast. Comparing quotes regularly can ensure you get the best coverage in Texas at the lowest price.
Raise your deductibles. A higher deductible usually lowers monthly premiums, especially for full-coverage car insurance in storm-prone Texas cities. But make sure you can afford the higher out-of-pocket costs after a claim.
Bundle car and homeowners insurance. Bundling can streamline policy management and qualify you for insurance discounts, such as loyalty or multi-policy discounts.
Consider pay-per-mile or usage-based programs. Low-mileage drivers may save money through pay-as-you-go plans with companies like Metromile. Usage-based programs like Progressive’s Snapshot reward safe driving habits and clean driving records.
Ask about Texas car insurance discounts and rate protection features. Many Texas insurers offer a defensive driving course discount if you complete a state-approved course. And if you add accident forgiveness to your policy, it can protect your future rates if you get into an at-fault accident.
Is bad credit considered ‘high-risk’ in Texas?
Yes. Texas car insurance companies may consider drivers with bad credit to be high-risk drivers because insurers associate lower credit scores with higher claim activity. But poor credit alone doesn’t automatically make someone a high-risk driver.
High-risk drivers in Texas usually need an SR-22 form that insurers file with the Texas Department of Insurance (TDI) to prove they have state-minimum coverage. Drivers who may need an SR-22 include people with:[5]
DUIs or DWIs
Multiple convictions for driving without insurance
Convictions for driving without a valid license
Texas already has relatively expensive car insurance compared to nearby states like New Mexico and Oklahoma. Hailstorms, flooding, uninsured drivers, and high accident and theft rates, especially in congested cities like Dallas, Houston, and San Antonio, can further drive premiums up.[6] [7]
High-risk drivers pay an average of around 28% more for auto insurance in Texas, though actual rates vary depending on your location, driving record, and vehicle type.
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Best car insurance in Texas for drivers with bad credit
Texas drivers with poor credit history often need affordable rates, flexible payment and coverage options, and strong customer support. The following insurers are some of the best for drivers with bad credit in Texas, from Amarillo to Dallas to Corpus Christi, and everywhere in between.
USAA: Best for military families and veterans
| User Reviews | 4.9 |
|---|---|
| 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. | $77/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. | $152/mo |
4.9
Best choice in TexasBased on 3,956 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 47 reviews from Texas driversSee all 1,612 USAA reviews
Verified Review
Reviewed in Texas on June 15, 2026
They raised our premium by $1,000 for filing a claim. We are leaving USAA. We should not be punished for filing an insurance claim.
Verified Review
Reviewed in Texas on June 14, 2026
The policy coverage is good, but the premiums are ridiculously high.
Verified Review
Reviewed in Texas on June 11, 2026
They left me stranded for 3 to 4 hours with no tow truck. They mixed up where to pick up the car from the accident. I was treated poorly the night of the accident, and they did not call for a tow truck until I was left in the dark.
…
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 is a strong option for active-duty military, veterans, and eligible family members in Texas. It offers some of the more affordable premiums for drivers with poor credit history and has strong third-party customer satisfaction scores. Low-mileage and safe drivers could save even more with USAA’s SafePilot and SafePilot Miles programs that track driving habits and mileage.
Pros
Highly rated customer satisfaction in Texas region
Multiple safe driving discounts
Competitive Texas driver rates
Cons
Limited customer support hours
Only available to past and present military members
One local branch office in San Antonio
Nationwide: Best for customizable coverage
| User Reviews | 4.2 |
|---|
4.2
Best choice in TexasBased on 1,000 verified driver reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing recent national reviewsSee all 519 Nationwide reviews
Verified Review
Reviewed in New York on July 1, 2026
There are no discounts for senior citizens.
Verified Review
Reviewed in New York on May 21, 2026
Just your average auto insurance company.
Verified Review
Reviewed in South Carolina on May 15, 2026
Expensive for the coverage provided.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
639
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
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
Nationwide may be a good fit for Texas drivers who want personalized support from an insurance agent and flexible coverage options. Though Nationwide’s rates can be higher for drivers with bad credit, bundling, setting up automatic payments, and being a safe, accident-free driver can help you get more affordable premiums.
Pros
Wide range of coverage options
Multiple discount opportunities
Access to local insurance agents across Texas
Cons
Many cheaper competitors in Texas
Poor Trustpilot rating
No new car replacement coverage available
Mile Auto: Best for low-mileage drivers
| User Reviews | 4.5 |
|---|---|
| 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. | 8.8 /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. | $64/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. | $142/mo |
4.5
Best choice in TexasBased on 207 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 4.0 | 2.9 |
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing recent national reviewsSee all 69 Mile Auto reviews
Verified Purchase
Reviewed in Georgia on June 6, 2026
Overall, I had a good experience and saved money.
Verified Purchase
Reviewed in Tennessee on May 6, 2026
I just wish they would send me an actual insurance card and my policy info in the mail, not just email, because I have no way to print it.
Verified Purchase
Reviewed in Georgia on April 16, 2026
This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
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
Why we picked this company
If you’re a low-mileage driver looking for basic liability coverage or no-frills full coverage in Texas, Mile Auto may be the most affordable option. It uses a pay-per-mile system that can help remote workers, retirees, and occasional Texas drivers save money. Mile Auto requires a monthly photo of your odometer reading to calculate rates, rather than using tracking devices.
Pros
Affordable rates for low-mileage drivers
Simple pay-per-mile pricing
No tracking app required
Cons
Not ideal for frequent drivers
Fewer coverage options available
Only available online
Our editorial team analyzed regional and national auto insurance companies that sell policies in Texas to assess which offer the best rates, coverage options, customer service, and savings to drivers with a low credit score. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Texas car insurance with bad credit FAQs
Texas drivers with bad credit often have questions about rates, insurers, and ways to save money. Here are answers to some common questions.
What car insurance companies don’t check credit in Texas?
American Access Casualty Company and the Texas Automobile Insurance Plan Association are the only two Texas insurers that offer no-credit-check car insurance. Other insurers may use your credit history to help set your premiums.
How does having bad credit affect car insurance rates in Texas?
On average, drivers with bad credit pay about 28% more for car insurance in Texas than people with good credit. That’s because studies show that drivers with poor credit are more likely to file claims.
How can you get affordable car insurance in Texas with bad credit?
Texas drivers with bad credit can get more affordable coverage with a few strategies, including making on-time payments to boost credit and asking about discounts.
Bundling your car and home or renters with the same insurance company and comparing rates regularly — especially young drivers who typically pay the most for auto insurance — are some of the best ways to reduce your premiums.
Sources
- Texas.gov. "Credit scoring and insurance."
- Texas Film Commission. "Agriculture, Climate & Geography."
- Texas A&M Transportation Institute. "Texas’ Top 100 Congested Road Segments."
- Insurance Information Institute. "Trends and Insights: Risk-Based Pricing of Insurance."
- Department of Public Safety. "Section 9: SR-22 (Proof of Financial Responsibility)."
- National Insurance Crime Bureau. "Nationwide Decline in Vehicle Thefts Continues Through First Half of 2025."
- Texas Department of Transportation. "Census Index and Crash Rate Dashboard."
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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Cheapest Car Insurance Quotes in San Antonio (July 2026)
State Farm offers San Antonio drivers the lowest car insurance rates, at $47 per month. San Antonio’s heavy traffic congestion contributes to its higher-than-average car insurance costs.
Cheapest Car Insurance Quotes in Dallas (July 2026)
State Farm offers Dallas drivers the cheapest car insurance rates, at $51 per month for liability coverage. But Dallas drivers face above-average rates, possibly due to heavy traffic congestion and high vehicle theft rates.
Cheapest Car Insurance Quotes in Lubbock, Texas (July 2026)
State Farm is the best option for cheap car insurance in Lubbock, with rates starting at $42 per month. Find out how to compare car insurance rates to get the best deal.
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Cheap Car Insurance Quotes in Garland, Texas (July 2026)
State Farm has the lowest average car insurance rates in Garland, at $51 per month for liability coverage. Garland is a suburb of Dallas, so it sees more commuting congestion, higher vehicle theft rates, and higher car insurance costs.
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Cheapest Car Insurance Quotes in San Marcos, Texas (July 2026)
State Farm offers the cheapest car insurance quotes in San Marcos, with rates at $43 per month. San Marcos is at risk of natural hazards, like tornadoes, hail, and wildfires, which can affect the cost of car insurance.
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Cheapest Car Insurance Quotes in Laredo (July 2026)
State Farm has the cheapest car insurance in Laredo, with average rates of $43 per month. Heavy traffic on U.S. Highway 83 and Interstate 35 can influence local rates.
Cheap Car Insurance Quotes in Abilene, Texas (July 2026)
State Farm is the cheapest car insurance company for Abilene drivers, with rates at $38 per month. Local West Texas factors like severe thunderstorms and hail can increase your insurance rates.
Cheapest Car Insurance Quotes in Fort Worth (July 2026)
Fort Worth drivers can find the lowest car insurance rates from State Farm, with liability coverage averaging $44 per month. High vehicle theft rates and frequent hailstorms may influence how much you pay for auto insurance in Fort Worth.
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Cheap Car Insurance Quotes in McAllen, Texas (July 2026)
State Farm has the cheapest car insurance in McAllen, at an average of $49 per month for liability coverage. McAllen faces severe storm threats, pushing its rates slightly above the state average.
Cheapest Car Insurance Quotes in Port St. Lucie, Florida (July 2026)
State Farm provides the cheapest car insurance in Port St. Lucie, with an average liability rate of $73 per month. Storm flooding can affect driving conditions in Port Saint Lucie, especially on roads like Westmoreland Boulevard, Morningside Boulevard, Ballantrae, and Tesoro.
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Cheapest Car Insurance Quotes in El Paso (July 2026)
State Farm is the cheapest insurer in El Paso, with an average monthly rate of $39 for liability-only coverage. El Paso’s relatively light traffic and low vehicle theft rate make it an affordable city for auto coverage.
Cheapest Car Insurance Quotes in Spring, Texas (July 2026)
The cheapest insurance in Spring, Texas, is available from State Farm, averaging $51 per month. Heavy traffic on Interstate 45 and car theft can affect rates.
Cheap Car Insurance Quotes in New Braunfels, Texas (July 2026)
State Farm has the cheapest car insurance in New Braunfels, with an average monthly liability rate of $41. Visiting and residential drivers should stay alert to the major roadway improvement projects taking place over the next few years.
Cheapest Car Insurance Quotes in Houston (July 2026)
State Farm offers the cheapest car insurance in Houston, with liability rates averaging $60 per month. Houston’s hurricane exposure and high road congestion contribute to the city’s higher premiums.
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Cheap Car Insurance Quotes in Odessa, Texas (July 2026)
State Farm offers the cheapest car insurance in Odessa, Texas, with premiums averaging $46 per month. Odessa has one of the country’s highest vehicle theft rates — a major factor contributing to the city’s higher auto insurance costs.
Cheapest Car Insurance Quotes in Irving, Texas (July 2026)
Drivers in Irving, Texas, can find the cheapest rates with State Farm, at $48 per month. Irving’s premiums may be influenced by its thousands of traffic crashes each year and heavy commuter traffic through the Dallas-Fort Worth metro area.
Cheap Car Insurance Quotes in Corpus Christi, Texas (July 2026)
State Farm offers the best rates on Corpus Christi car insurance, at $47 per month for minimum coverage. Auto theft rates are high, though, making full coverage worth the extra cost.
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Cheap Car Insurance Quotes in Austin, Texas (July 2026)
State Farm offers the cheapest liability car insurance rates in Austin, at $47 per month. The city’s high vehicle theft rate increases insurers’ risk and drives up costs for Austin drivers.
Cheap Car Insurance Quotes in Arlington, Texas (July 2026)
State Farm offers some of the cheapest car insurance in Arlington, Texas, with an average monthly premium of $47 for liability coverage. Event traffic around AT&T Stadium and congestion along I-20 and I-30 may influence crash risk and insurance rates.
Cheapest Car Insurance Quotes in Amarillo (July 2026)
State Farm offers Amarillo drivers the most affordable car insurance, followed by Allstate and Progressive. With a lower population than many Texas cities, Amarillo drivers pay lower car insurance rates than the rest of the Lone Star State.
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Cheapest Car Insurance Quotes in Midland, Texas (July 2026)
The cheapest car insurance in Midland is from State Farm, with liability rates of $41 per month. Heavy, oilfield‑related traffic in areas like Loop 250 and Interstate 20 increases collision risk and affects how much you’ll pay for coverage.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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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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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969