Best Car Insurance for Drivers With
Bad Credit in Texas

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Bad Credit Car Insurance in Texas

It's like they say: everything is bigger in Texas. But if you're a Texan with a bad credit score, will your car insurance also come with a bigger price tag?

Unfortunately, Texas is one of many states that take your credit score into account when determining your car insurance rates. Luckily, credit isn't the only factor that goes into calculating your rates. But if you have a checkered credit history, a Texas-based car insurance company could charge you higher prices as a result.

Texas Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$250
Excellent
$279
Good
$281
Average
$304
Poor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Texas?

Drivers in Texas who have bad credit tend to pay just under 10 percent more for car insurance on average. This is another $25 per month, which adds up to $300 more for car insurance per year.

In general, Texas's average car insurance rates are pretty high compared to the rest of the country, so it'll come as a relief that bad credit won't raise your car insurance rate by even 10 percent.

$255
Avg. Monthly Cost - for Drivers with Good Credit
$280
Avg. Monthly Cost - for Drivers with Bad Credit
$25 Monthly Impact of Bad Credit on Rates
9.80% Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Texas?

In Texas, car insurance companies have the right to take a look at your credit score before determining your car insurance rate. So you'll most likely undergo a credit check as you shop for car insurance in Texas.

But if you have a bad credit score, you still have some options. Empower Insurance in Texas is a popular choice that advertises no credit checks. Other drivers might want to see if they can find a major national insurer that tends to offer reasonable rates for drivers with bad credit.

Best Car Insurance Companies for Bad Credit in Texas

Clearcover Inc., Direct Auto, and AssuranceAmerica offer the cheapest monthly insurance rates for drivers with bad credit in Texas. Meanwhile, if you're dealing with a bad driving record on top of poor credit, you should seek out affordable high-risk policies from Kemper and Bristol West.

CarrierAvg. Monthly Cost
Clearcover Inc$133
Direct Auto$155
AssuranceAmerica$181
Apparent Insurance$183
Elephant.com$184
Dairyland Insurance$191
Commonwealth Casualty Auto$195
Safeco Insurance$203
Bristol West$206
GAINSCO$208

Texas Car Insurance Rates by Credit Tier

In Texas, it looks like the better your credit is, the less you'll pay for car insurance. Those with poor credit pay $304 on average, which is over $50 more than those with excellent credit. Meanwhile, there's only a negligible difference in rates for those with good or average credit.

Credit TierAvg. Monthly Cost
Excellent$250
Good$279
Average$281
Poor$304

Car Insurance Rates With Bad Credit in Texas Cities

As one of the largest states in the country, Texas is home to some major metropolitan areas. And it seems like the bigger the city, the bigger the car insurance price tag. Houston has the highest average rate at $311 per month, while Fort Worth residents pay a much more reasonable $229.

CityCredit TierAvg. Monthly Cost
HoustonPoor$311
San AntonioPoor$244
DallasPoor$280
Fort WorthPoor$229
AustinPoor$253
ArlingtonPoor$239

Tips for Researching Bad Credit Texas Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Texas draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.