Best Car Insurance Companies in Texas (June 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, Licensed Insurance Agent
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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
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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
Updated
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Best car insurance companies in Texas
To find the best car insurance companies in Texas, we analyzed 120+ car insurance companies that operate in the Lone Star State. We prioritized affordability, customer service, discounts, and coverage options in our selection. Here are the Texas car insurance companies that rose to the top.
GEICO: Best for drivers with a clean record in Texas
| 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. | $70/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. | $147/mo |
4.0
Best choice in TexasBased on 19,051 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 7,856 GEICO reviews
Verified Purchase
Reviewed in Texas on June 24, 2026
Great price, easy to work with.
Verified Review
Reviewed in Texas on June 22, 2026
I have basic liability and it's expensive! Why did my rates go higher?
Verified Purchase
Reviewed in Texas on June 16, 2026
I'm very happy with my policy. It covers all I need it to.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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
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
Allstate: Best for infrequent drivers in Texas
| 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. | $62/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. | $120/mo |
3.8
A solid option in TexasBased on 11,283 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 4,514 Allstate reviews
Verified Review
Reviewed in Texas on June 27, 2026
I have not made any claims, and I have had no tickets or DUIs, but my rates increased simply because my husband is deceased. I do not drive any differently than before. They also doubled my house coverage and did not send the cards to prove insurance coverage.
Verified Review
Reviewed in Texas on June 26, 2026
Allstate is okay. Didn't feel like I was in good hands though. No one could reduce my rate for a car that was parked 95% of the time. I found a car insurance rate for $68 per month with roadside assistance.
Verified Review
Reviewed in Texas on June 20, 2026
Considering how little we use or travel in it, the price is a bit high. We are seniors.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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
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
USAA: Best for military families in Texas
| 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. | $78/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 3,876 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.8 | 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 1,604 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 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
State Farm: Best for overall value in Texas
| User Reviews | 4.1 |
|---|---|
| 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. | 9.3 /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. | $43/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. | $85/mo |
4.1
Best choice in TexasBased on 19,096 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 7,705 State Farm reviews
Verified Review
Reviewed in Texas on June 24, 2026
Costs are increasing, but the local service is excellent.
Verified Review
Reviewed in Texas on June 21, 2026
Good.
Verified Review
Reviewed in Texas on June 16, 2026
Good but expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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
State Farm offers some of the lowest premiums in Texas, whether you need full coverage or basic liability. But Texas drivers don’t have to sacrifice coverage options, discounts, or customer service to get those low rates. In Texas, State Farm scores above average for overall customer satisfaction, according to J.D. Power.[1]
And 19,096 Insurify customers give State Farm high praise across multiple metrics, including 4.1 out of 5 for claims handling, 4.1 for overall experience, and 3.7 for value.
Pros
High customer satisfaction scores
Cheapest rates in Texas
Numerous discounts for further savings
Cons
Doesn’t offer accident forgiveness
No gap coverage available
May be significantly higher cost for drivers with violations
Progressive: Best for discounts in Texas
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 616 |
|---|---|
| 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. | 8.7 /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. | $117/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 8,654 Progressive reviews
Verified Review
Reviewed in Texas on June 23, 2026
Price increase on first renewal.
Verified Review
Reviewed in Texas on June 21, 2026
It's a good insurance company. Now, every insurance is pricey. I haven't had any issues with them, so I would recommend it to my friends.
Verified Review
Reviewed in Texas on June 20, 2026
Representatives I talked to have been rude and dismissive. They blame you even for accidents which are not your fault. Their premiums are too high and then their deductible makes it like you don't even have coverage.
…
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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
Progressive’s average full-coverage and minimum-coverage rates are competitive in Texas, although it’s not the cheapest insurer. But it stands out for its range of discounts that can help Texas drivers lower their rates even more.
For example, Progressive offers significant savings for bundling auto and home policies and an average savings of 12% for insuring more than one vehicle with the company. Its good student discount is also generous, at 5% or more.
Pros
Competitive rates in Texas
Loan/lease payoff coverage available
Offers injury coverage for pets hurt in a covered accident
Cons
Below-average customer satisfaction in Texas, per J.D. Power
Accident forgiveness not available
Trustpilot score just 1.2 out of 5 stars
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. 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.
Average cost of car insurance in Texas
The average cost of car insurance fell 6% last year nationwide, according to Insurify data. In Texas, the average cost of full-coverage car insurance fell nearly 8% by the end of 2025. Still, Texans pay more than the national average for car insurance. The state’s average monthly quote is $111 for liability-only insurance and $206 for full coverage, Insurify data shows.
Multiple factors explain why car insurance is expensive in Texas. The state experiences severe weather, from coastal storms and high winds to flooding and wildfires. Such weather events can lead to high claims costs for insurers.
Multiple urban areas with large populations, high accident rates, inflation, high speed limits, and a high percentage of uninsured drivers also contribute to Texas’ higher rates.[2]
But by the end of 2026, Insurify data scientists predict that Texas rates will increase just 0.3%.
Find Cheap Car Insurance in Texas
Rates start at $43/mo. for minimum coverage
Excellent
4.7 out of 5 based on 15,342 reviews
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How to get the best car insurance in Texas
Your lifestyle, location, and budget all matter when you’re searching for the best auto coverage in Texas. 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. Nearly 65% of Texas drivers own their cars free and clear, and those drivers could save by choosing a liability-only policy.
But even if you opt for liability-only coverage, it’s still a good idea to buy more than the Texas state minimums of 30/60/25. If you cause an accident that totals someone’s brand-new vehicle, property damage costs could easily exceed the state minimum of $25,000.
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.
Consider taking optional coverages, rather than opting out
Texas car insurance law doesn’t require you to buy uninsured motorist coverage or personal injury protection. But it does require insurers to automatically include it in every auto policy they sell in Texas.[3] If you don’t want it, you have to opt out.
But with about 12% of Texas drivers going uninsured, it’s a good idea to consider keeping those opt-out coverages. If an uninsured driver causes an accident that damages your car or injures you or your passengers, you’d either need to rely on your own insurance or sue the driver to recover financial damages.
In a state with a high number of uninsured drivers, adding uninsured motorist coverage and PIP to your policy can provide an added layer of protection.
Compare quotes
Shopping around is the best way to figure out what’s available and what policy is the best fit. Insurers selling policies in Texas have numerous rating factors to consider, from weather risks in a given area to vehicle theft rates. Each company weighs factors differently, which is why the same driver can see widely different rates from different companies.
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.
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 are the best car insurance companies in Texas?
GEICO, Allstate, and USAA are among 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 $43 per month. Rates will vary by location, driving record, and more individual rating factors.
How much car insurance do you need in Texas?
You’ll need at least $30,000 of bodily injury coverage per person, $60,000 of bodily injury per accident, and $25,000 of property damage coverage to legally drive in Texas.[4] And if you lease or finance your vehicle, your leasing company or lender will likely require you to buy full coverage.
Texas requires insurers to automatically include uninsured motorist coverage and personal injury protection in every policy, and you have to opt out if you don’t want them. But with 12% of Texas drivers going uninsured, keeping those optional coverages can offer you greater financial protection.
Sources
- J.D. Power. "J.D. Power 2025 U.S. Auto Insurance Study."
- Insurance Institute for Highway Safety. "Maximum posted speed limits."
- State of Texas. "Insurance Code."
- Texas Department of Insurance. "Auto insurance guide."
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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Texas insurers must include personal injury protection in all auto policies, but drivers can choose to opt out of the coverage.
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What Age Does Insurance Go Down in Texas?
Texas car insurance rates are highest for teen drivers but tend to drop once drivers reach their 20s.
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How Much is Insurance for a 16-Year-Old in Texas?
On average, teen drivers in Texas pay $308 per month, but that number can change based on multiple factors.
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What Happens If Someone Borrows Your Car and Gets Into an Accident in Texas
If someone borrows your car in Texas, financial responsibility depends on their relationship with you, whether they had permission to borrow your car, and the purpose of their use.
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What Is 30/60/25 Insurance in Texas?
Texas law requires drivers to carry a minimum of 30/60/25 liability insurance.
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Can You Own a Car Without Insurance in Texas?
You’ll likely need insurance when you own a car in Texas, since the Lone Star State requires most drivers to provide proof of insurance to complete registration.
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How Long Do You Have to Get Insurance on a Used Car in Texas?
If you buy a used car in Texas, you’ll need insurance before you can drive it home. If you have an existing policy, it’ll cover the car for 20 days.
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How Long Can You Stay on Your Parents’ Car Insurance in Texas?
Texas has no official time limit for how long you can stay on your parents’ insurance, but you may need your own policy if you move out.
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How Long Do You Have to Get Insurance on a Used Car in Texas?
You need to get car insurance right away when you buy a used car. But if you already have car insurance, you may be able to use that coverage temporarily.
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Does a Vehicle Have to Be in Your Name to Insure It in Texas?
You generally can’t get insurance for a car you don’t own, but you have other options if you regularly drive someone else’s car.
Cheapest Car Insurance Quotes in Texas
State Farm offers the cheapest car insurance in Texas, with an average monthly premium of $43 for minimum coverage. Compare real-time quotes for Texas drivers and buy your policy online in minutes.
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Cheapest Car Insurance Quotes in Mesquite, Texas (June 2026)
The cheapest insurance company in Mesquite, Texas, is State Farm, with an average monthly premium of $49 for liability-only coverage. Mesquite’s high rate of accidents, fatal crashes, and exposure to wind and hurricanes play a part in its average premiums.
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Cheap Car Insurance Quotes in Katy, Texas (June 2026)
State Farm offers the cheapest car insurance in Katy, with an average rate of $52 per month. Several areas of the Katy Freeway are listed in the top 100 most congested road segments in Texas. Increased congestion has led to collision hot spots with crash rates above the state and national averages.
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Cheapest Car Insurance Quotes in Grand Prairie, Texas (June 2026)
State Farm is the cheapest insurer in Grand Prairie, with an average liability rate of $46 per month. Right in the middle of Dallas and Fort Worth, Grand Prairie experiences heavy traffic, which insurers consider when setting rates.
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Cheapest Car Insurance Quotes in Beaumont (June 2026)
The cheapest car insurance in Beaumont comes from State Farm, with an average liability-only rate of $47 per month. Beaumont’s location along the Gulf Coast, combined with an $850 million I-10/US 69 project that’s reshaping traffic patterns, puts extra pressure on local car insurance rates.
Cheapest Car Insurance Quotes in Plano, Texas (June 2026)
State Farm offers the lowest car insurance rates in Plano, charging an average of $43 per month for minimum coverage. Plano is generally a very safe place to drive, but plenty of Dallas-based traffic congestion flows through this affluent suburb, which can keep costs elevated.
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Cheapest Car Insurance Quotes in Galveston, Texas (June 2026)
State Farm is the cheapest auto insurance option in Galveston, with liability rates of $45 per month. Heavy congestion, especially during tourist season, affects the city’s rates.
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Cheapest Car Insurance Quotes in Brownsville, Texas (June 2026)
State Farm is the cheapest auto insurance company in Brownsville, with rates of $44 per month. Brownsville drivers face a seasonal risk of rain and wind damage from tropical storms, which increases full-coverage pricing.
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Cheapest Car Insurance Quotes in Huntsville (June 2026)
State Farm has the cheapest liability insurance in Huntsville, Texas, with rates as low as $42 per month. Even though Huntsville is at risk for hurricanes and flooding, the city’s rates are slightly lower than the state average.
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Cheapest Car Insurance Quotes in Denton (June 2026)
Most Denton drivers find that State Farm offers the lowest auto insurance rates, at $42 per month. Heavy traffic from I-35 and a seasonal abundance of college students can make driving in Denton challenging.
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Cheap Car Insurance Quotes in Killeen (June 2026)
State Farm offers the cheapest car insurance in Killeen, with an average liability-only price of $40 per month. Heavy traffic along U.S. 190 and near Fort Hood also influences costs in the area.
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Cheapest Car Insurance Quotes in San Antonio (June 2026)
State Farm offers San Antonio drivers the lowest car insurance rates, at $45 per month. San Antonio’s heavy traffic congestion contributes to its higher-than-average car insurance costs.
Cheapest Car Insurance Quotes in Dallas (June 2026)
State Farm offers Dallas drivers the cheapest car insurance rates, at $49 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 (June 2026)
State Farm is the best option for cheap car insurance in Lubbock, with rates starting at $40 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 (June 2026)
State Farm has the lowest average car insurance rates in Garland, at $49 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 (June 2026)
State Farm offers the cheapest car insurance quotes in San Marcos, with rates at $41 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 (June 2026)
State Farm has the cheapest car insurance in Laredo, with average rates of $42 per month. Heavy traffic on U.S. Highway 83 and Interstate 35 can influence local rates.
Cheap Car Insurance Quotes in Abilene, Texas (June 2026)
State Farm is the cheapest car insurance company for Abilene drivers, with rates at $36 per month. Local West Texas factors like severe thunderstorms and hail can increase your insurance rates.
Cheapest Car Insurance Quotes in Fort Worth (June 2026)
Fort Worth drivers can find the lowest car insurance rates from State Farm, with liability coverage averaging $43 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 (June 2026)
State Farm has the cheapest car insurance in McAllen, at an average of $47 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 (June 2026)
Progressive provides the cheapest car insurance in Port St. Lucie, with an average liability rate of $72 per month. Storm flooding can affect driving conditions in Port Saint Lucie, especially on roads like Westmoreland Boulevard, Morningside Boulevard, Ballantrae, and Tesoro.
Cheapest Car Insurance Quotes in El Paso (June 2026)
State Farm is the cheapest insurer in El Paso, with an average monthly rate of $38 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 (June 2026)
The cheapest insurance in Spring, Texas, is available from State Farm, averaging $49 per month. Heavy traffic on Interstate 45 and car theft can affect rates.
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Cheap Car Insurance Quotes in New Braunfels, Texas (June 2026)
State Farm has the cheapest car insurance in New Braunfels, with an average monthly liability rate of $39. 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 (June 2026)
State Farm offers the cheapest car insurance in Houston, with liability rates averaging $58 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 (June 2026)
State Farm offers the cheapest car insurance in Odessa, Texas, with premiums averaging $44 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 (June 2026)
Drivers in Irving, Texas, can find the cheapest rates with State Farm, at $46 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 (June 2026)
State Farm offers the best rates on Corpus Christi car insurance, at $45 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 (June 2026)
State Farm offers the cheapest liability car insurance rates in Austin, at $45 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 (June 2026)
State Farm offers some of the cheapest car insurance in Arlington, Texas, with an average monthly premium of $44 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 (June 2026)
State Farm offers Amarillo drivers the most affordable car insurance, followed by Allstate and Mile Auto. 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 (June 2026)
The cheapest car insurance in Midland is from State Farm, with liability rates of $40 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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Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Evelyn PimplaskarEditor-in-Chief, Director of Content
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