Best Car Insurance Companies in Texas (March 2026)
GEICO, Allstate, and USAA are the top insurers in Texas, offering competitive rates and coverage options.
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Written byJulia Taliesin
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Julia TaliesinEconomic Analyst, Insurance
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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Edited byEvelyn Pimplaskar
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Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Every driver has a unique profile that insurers consider when setting rates. Your neighbor might recommend their insurance company, but if you have different driving habits, you could possibly find a better policy from another insurer.
Comparing car insurance rates will always help you find the best fit, but finding the best coverage can be time-consuming. To help you find the best car insurance in Texas, Insurify analyzed 155 insurers based on criteria including customer satisfaction, discounts, affordability, availability, and financial strength.
Quick Facts
State Farm offers the cheapest rates for auto insurance in Texas, with liability-only rates as low as $57 per month.
Texans pay above-average rates for car insurance.
According to the latest report from the Insurance Research Council, approximately 13.8% of Texas drivers don’t have car insurance.[1]
Best car insurance companies in Texas
Insurify prioritized affordable rates and quality customer service when researching the best car insurance companies in Texas. GEICO, Allstate, and USAA offer cheaper-than-average rates to Texas drivers and rank well in overall customer satisfaction.
Insurance Company | 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. | Liability Only | Full Coverage | Best For |
|---|---|---|---|---|
| GEICO | 9.2 | $95 | $181 | Drivers with a clean record |
| Allstate | 8.9 | $81 | $143 | Infrequent drivers |
| USAA | 9.1 | $102 | $180 | Military families |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for drivers with a clean record: GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $95/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. | $181/mo |
4.0
Best choice in TexasBased on 16,013 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Texas for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Texas for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 reviews from Texas drivers - See all 7,420 GEICO reviews
Josh
Verified Review
Geico Two-Step
Reviewed in Texas on March 4, 2026
I have multiple insurance companies currently. Geico needs better training for their representatives. Don’t tell customers one thing and then tell the consumer the exact opposite from the next representative. I will never use Geico again, even though they are almost 50% cheaper than State Farm, Allstate, or Progressive.
Jeanette
Verified Review
Too much $$$
Reviewed in Texas on March 2, 2026
Started out well, but the price increased regularly with no claims, no accidents, and no tickets. It more than doubled in 8 years!
Zee
Verified Review
Expensive but probably a good insurance
Reviewed in Texas on February 25, 2026
It is very expensive; the Geico Auto help is very good.
Tom
Verified Review
Understand what you bought before you sign
Reviewed in Texas on February 25, 2026
Make sure they explain the policy thoroughly before you sign!
Joann
Verified Review
The Policy That Goes Up
Reviewed in Texas on February 24, 2026
I was drawn in with a low rate, then they increased it on me in 3 months.
Miguel
Verified Review
Fairness
Reviewed in Texas on February 24, 2026
They are good overall, but too expensive for my budget!
Garry
Verified Review
So disappointed
Reviewed in Texas on February 24, 2026
After being with Geico for five years with no claims or accidents, they almost doubled our rates. They are about the money, not the customers.
Debra
Verified Review
I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.
Reviewed in Texas on February 21, 2026
I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.
Guy
Verified Review
Nickels and Dimes
Reviewed in Texas on February 21, 2026
Make sure you know the final price is the one quoted. Geico nickeled and dimed us after we agreed on a policy fee.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
GEICO’s average rates in Texas are already low, and drivers who are accident-free for five years can qualify for a 22% premium discount. GEICO offers 15 additional discounts, including ones for good students, military personnel, having multiple vehicles, and more. Since the insurer also sells homeowners, life, renters, boat, motorcycle/ATV, and business insurance, you could also secure savings by bundling another GEICO policy with your auto insurance.
Texas drivers can file claims quickly by phone, online, or through GEICO’s mobile app. GEICO has excellent financial strength and credit ratings from AM Best, which means it’s well-positioned to meet its claims obligations.
Pros
Below-average rates in Texas
Highly rated mobile app
Above-average J.D. Power customer satisfaction scores in Texas
Cons
Below-average J.D. Power claims satisfaction nationwide
Higher rates for drivers with DUIs
Gap coverage not available
Best insurer for infrequent drivers: Allstate
| User Reviews | 3.8 |
|---|---|
| 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. | 8.9 /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. | $81/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. | $143/mo |
3.8
A solid option in TexasBased on 9,438 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Texas for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Texas for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 reviews from Texas drivers - See all 4,268 Allstate reviews
Tom
Verified Review
Car insurance is a monopoly
Reviewed in Texas on March 3, 2026
Insurance is outrageously expensive. Try not to put teens on your policy.
Pamela
Verified Review
Satisfied
Reviewed in Texas on February 27, 2026
Affordable
William
Verified Review
Bad assistance during a flood
Reviewed in Texas on February 26, 2026
Very disappointed in how they acted after a flood in Conroe, TX. They did okay, but when there was an issue with a flatbed truck you sent that caused some driveway damage, they did not help me at all!
Donald
Verified Review
Allstate reps are customer caring and honest.
Reviewed in Texas on February 24, 2026
Consider Allstate coverage as a good deal.
Constance
Verified Review
Taking Full Advantage of a Loyal Customer
Reviewed in Texas on February 21, 2026
My current insurer is Allstate. I had an unfortunate year in 2024. A dog ran in front of us and did major damage to our front end. A few short weeks later, an 18-wheeler blew a rear dual tire that hit our Jeep and caused us to spin and slam into a guardrail. Neither accident was our fault nor could they be avoided. The consequence was that our premiums have almost tripled and continue to rise. They know it will be difficult for us to change policies. Our credit rating is not exceptional due to a limited income and the huge rise in premiums and other bills. As soon as I can change insurance carriers, I will. No customer loyalty. I had never missed a premium.
Carlos
Verified Review
Price Increases
Reviewed in Texas on February 19, 2026
They are nice people, but they are terrible when it comes to helping out with costs. Every 6 months, the price increases and they never have a reason. All they say is, "Well, everything is going up." One time they said, "Just like eggs and milk, prices keep going up."
Patricia
Verified Review
Price fair, but claim process difficult
Reviewed in Texas on February 17, 2026
The price was right; however, when I needed to file a claim, it became a nightmare.
Martha
Verified Review
Expensive car insurance needs to be cheaper for a 25-year-old car
Reviewed in Texas on February 16, 2026
It's expensive for only driving 4 miles a day or less.
Roger
Verified Review
Just Average
Reviewed in Texas on February 13, 2026
Just average rates, especially high for low mileage drivers.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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
Allstate’s Milewise pay-per-mile car insurance is a great option for infrequent or low-mileage drivers. The insurer offers competitive average rates in Texas, but some drivers could pay even less with a pay-per-mile policy. Here’s how it works: Your daily base rate and per-mile rate add up to your monthly insurance premium.
Allstate uses a device placed in your car to track the miles you drive and a mobile app so you have transparency into your driving and costs. Texas drivers can save even more with Allstate’s numerous discounts and rest easy knowing Allstate has the financial and credit strength to pay claims.
Pros
Offers car insurance for travel to Mexico
Above-average claims satisfaction nationwide, according to 2024 J.D. Power study
Discounts for bundling policies, new cars, and more
Cons
Average J.D. Power customer satisfaction rating in Texas
Low customer ratings on Trustpilot
Rates are merely average compared to other insurers
Best insurer for military families: USAA
| 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. | $102/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. | $180/mo |
4.9
Best choice in TexasBased on 3,128 verified driver reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Texas for
Members of the military community
Outstanding customer service
Competitive rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Texas for
Members of the military community
Outstanding customer service
Competitive rates
Showing 57 reviews from Texas drivers - See all 1,477 USAA reviews
Paul
Verified Review
Discount Restrictions
Reviewed in Texas on February 22, 2026
I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.
Alex
Verified Review
Poor
Reviewed in Texas on February 19, 2026
Be careful because they were raising rates on us.
Harvey
Verified Review
Overall Outstanding Service
Reviewed in Texas on February 18, 2026
Excellent and professional service. My minor complaint is that it is somewhat expensive.
William
Verified Review
Excellent
Reviewed in Texas on February 16, 2026
Great service, expensive.
Laura
Verified Review
25+ Years, Only 1 Small Claim
Reviewed in Texas on February 8, 2026
I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.
Edward
Verified Review
What happened to USAA Customer Service?
Reviewed in Texas on January 29, 2026
USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.
Richard
Verified Review
One claim, handled fairly reasonably, but sharp increases each year.
Reviewed in Texas on January 27, 2026
Pricey increases annually, especially in home coverage.
Jerry
Verified Review
USAA EXPERIENCE: Been a member for over 50 years and never disappointed.
Reviewed in Texas on January 27, 2026
Excellent member since 1972.
Bonnie
Verified Review
Price for protection?
Reviewed in Texas on January 26, 2026
We have been very happy with the quality of service we've received over the years. They are one of the highest-rated companies. Although, the increase in price is a big concern.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 provides insurance coverage for active-duty military members, veterans, and their families. Since Texas is home to 15 active-duty military installations and more than 1.5 million veterans, many Texans can take advantage of USAA’s great rates. The insurer even offers a discount to people living on a military base.
USAA also sells homeowners, renters, life, and health insurance, so auto policyholders can save by bundling policies. USAA has high customer satisfaction ratings in Texas and claims satisfaction scores nationwide, according to 2024 J.D. Power studies.
Pros
SafePilot telematics safe driving program offers discount of up to 30%
Below-average rates in Texas
A++ (Superior) financial strength rating from AM Best
Cons
Only available to active-duty or retired military personnel and their families
Live 24/7 customer support not available
Above-average volume of consumer complaints in the National Association of Insurance Commissioners’ index
How to find the best car insurance for you
Your lifestyle, location, and budget all matter when you’re searching for the best auto coverage. Here are some tips to start the process:
Consider coverage levels
Liability-only insurance is typically cheaper than full coverage. If you lease or finance your car, your leasing company or lender will require you to have full-coverage car insurance. Minimum insurance requirements differ by state, but liability-only insurance could save you money if you own an older vehicle or don’t drive much.
Keep in mind that carrying only state-minimum coverage can leave you vulnerable to a substantial financial loss from an at-fault accident. Research the different types of coverage to find what fits.
Think about your driving habits
Your driving record affects your rates significantly, and knowing your habits can help you pick the best policy. For example, if you’ve received a speeding ticket, you may want to look for companies with lower rates for drivers with an incident. Or, if you drive infrequently, you may save money with pay-per-mile coverage.
Compare quotes
Shopping around is the best way to figure out what’s available and what policy is the best fit.
Ask about discounts
Most insurers offer discounts for safe driving, insuring multiple vehicles, bundling policies, vehicle safety features, and more. Ask an agent what discounts are available.
Find Cheap Car Insurance in Texas
Rates start at $57/mo. for minimum coverage
Excellent
4.7 out of 5 based on 12,427 reviews
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Average cost of car insurance in Texas
The average cost of car insurance increased by 24% last year nationwide, according to Insurify data. Texans pay more than the national average for car insurance. The state’s average monthly quote is $118 for liability-only insurance and $208 for full coverage, Insurify data shows.
In 2024, car insurance costs spiked 15% nationwide by mid-year. The average price of full-coverage car insurance continues to rise nationwide, and Insurify data scientists predict a 23% average increase in Texas by the end of 2024.
The below rates in Texas are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $57 | $101 |
| Mile Auto | $74 | $157 |
| Progressive | $80 | $141 |
| Allstate | $81 | $143 |
| GEICO | $95 | $181 |
| USAA | $102 | $180 |
| Mercury | $112 | $171 |
| First Acceptance | $115 | $275 |
| Lone Star | $117 | $291 |
| Alinsco | $118 | $235 |
| Dairyland | $120 | $338 |
| Freedom National | $121 | $314 |
| Root | $121 | $209 |
| Commonwealth Casualty | $122 | $288 |
| The General | $123 | $239 |
| Bristol West | $125 | $250 |
| Mendota | $126 | $257 |
| Covercube | $127 | $300 |
| GAINSCO | $127 | $254 |
| Nationwide | $129 | $227 |
| AssuranceAmerica | $135 | $275 |
| Clearcover | $135 | $221 |
| Sun Coast | $138 | $261 |
| Safeco | $141 | $216 |
| Direct Auto | $146 | $224 |
| National General | $146 | $249 |
| Loop | $147 | $277 |
| Elephant | $150 | $236 |
| Trexis One | $158 | $327 |
| Chubb | $174 | $306 |
| 21st Century | $201 | $354 |
| Liberty Mutual | $262 | $341 |
On Insurify's secure site
4.8/5
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.
Why is car insurance in Texas so expensive?
Texas doesn’t have the highest premiums in the country (Maryland currently does), but Texans pay rates that are higher than the national average. Multiple factors affect the cost of car insurance, but inflation and severe weather are mainly responsible for Texas’ higher rates.
The rising cost of labor, repairs, and new-car prices mean even small accidents can result in expensive claims. Natural disasters like hurricanes, tornadoes, and hailstorms are driving weather-related claims in new areas. For example, Houston drivers face higher premiums than Austin or Dallas drivers, according to Insurify data.
As you search for the best car insurance, comparing quotes will help you find the most affordable coverage in your area since location is a significant factor affecting premiums.
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How much car insurance coverage you need in Texas
Texas law requires all drivers to have at least $30,000 of bodily injury protection per person, up to $60,000 per accident, and $25,000 of property damage liability insurance. You may also see this written as 30/60/25 coverage.[2]
Type of Liability Coverage | Amount Texas Requires |
|---|---|
| Bodily injury liability (per person) | $30,000 |
| Bodily injury liability (per accident) | $60,000 |
| Property damage liability (per person) | $25,000 |
State-minimum vs. full coverage
Whether you should get liability-only or full-coverage car insurance may not be entirely up to you. For example, if you lease or finance your vehicle — meaning you still owe money on your loan or lease — your leasing company or lender will require you to have collision and comprehensive coverage in addition to minimum liability coverage.
If you own your car outright, full coverage may still be the best option since it’ll help protect your financial investment in your vehicle. If your vehicle is older and worth less than a full-coverage policy or you have enough money to cover unexpected damages out of pocket, liability-only coverage could save you money on premiums.
The Texas Department of Insurance recommends drivers consider buying more liability coverage than the state’s minimums. If you cause an accident and damage costs exceed your liability coverage limits, you’ll be responsible for paying the rest out of pocket.
For Example
The average cost of a new car was $48,759 at the end of 2023, according to Kelley Blue Book.[3] If you’re at fault in an accident that totals the other driver’s new car, the cost to replace the vehicle will likely be much higher than the Texas state minimum of $25,000 for property damage.
Best car insurance in Texas FAQs
Searching for the best car insurance in the state of Texas can be time-consuming, so here’s some additional information to help you along the way.
What is the best car insurance in Texas?
GEICO, Allstate, and USAA are the top insurers selling coverage in Texas, based on Insurify’s analysis. But the best car insurance company for you will depend on your needs and unique driver profile.
What is the cheapest car insurance in Texas?
The cheapest Texas car insurance company is State Farm, with an average liability-only rate of $57 per month. Rates will vary by location, driving record, and more individual rating factors.
What car insurance discounts should I look for in Texas?
Look for any and all discounts. You can get discounts for bundling your insurance policies and insuring multiple vehicles with the same company, having safety features, maintaining a clean driving record, and more.
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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March 5, 2026
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Cheap Car Insurance in Plano, TX, Starting at $58
March 5, 2026
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Best Cheap Car Insurance in Lubbock, TX, From $55
March 5, 2026
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Cheapest Car Insurance Quotes in Odessa, TX,
March 5, 2026
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Cheap Car Insurance in Midland, TX, Starting at $54
March 5, 2026
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Cheapest Car Insurance Quotes in McAllen, TX,
March 5, 2026
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Cheap Car Insurance in Mesquite, TX, Starting at $67
March 5, 2026
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Cheap Car Insurance in Brownsville, TX, Starting at $58
March 5, 2026
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Best Cheap Car Insurance in Laredo, TX, From $57
March 5, 2026
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Cheapest Car Insurance Quotes in Killeen, TX
March 5, 2026
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Best Cheap Car Insurance in Huntsville, TX, From $54
March 5, 2026
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Cheapest Car Insurance Quotes in Irving, TX
March 5, 2026
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Cheap Car Insurance in Houston, TX, Starting at $78
March 5, 2026
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Best Cheap Car Insurance in Galveston, TX, From $58
March 5, 2026
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Cheapest Car Insurance Quotes in Grand Prairie, TX,
March 5, 2026
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Cheap Car Insurance in Garland, TX, Starting at $65
March 5, 2026
Cheap Car Insurance in Fort Worth, Texas, From $58
March 5, 2026
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Best Cheap Car Insurance in El Paso, TX, From $51
March 5, 2026
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Cheap Car Insurance in Denton, TX, Starting at $57
March 5, 2026
Cheap Car Insurance in Dallas, Texas, From $66
March 5, 2026
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Best Cheap Car Insurance in Corpus Christi, TX, From $60
March 5, 2026
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Cheap Car Insurance in Beaumont, TX, Starting at $62
March 5, 2026
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Best Cheap Car Insurance in Austin, TX, From $60
March 5, 2026
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Sources
- Insurance Research Council (IRC). "Uninsured Motorists 2017-2022."
- Texas Department of Insurance. "Auto Insurance Guide."
- Kelley Blue Book. "Can I Afford a Car in 2024?."
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Julia TaliesinEconomic Analyst, Insurance
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.