Cheapest Auto Insurance in Dallas, Texas (2024)

State Farm offers the cheapest liability rate in Dallas, at $43 per month.

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Emily Guy Birken
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Mark Friedlander
Reviewed byMark Friedlander
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Mark FriedlanderDirector, Corporate Communications
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Updated March 1, 2024 at 11:00 AM PST

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Founded in 1841 as a small trading post, Dallas is now the ninth-largest U.S. city. The city’s population density may help explain its relatively high overall average insurance cost of $207 per month. Drivers in bigger cities with higher population densities face increased risks of car accidents.

The average cost of insurance in the Lone Star State is $183 per month, which is lower than Dallas rates and higher than the national average cost of $156.

Even though rates in Dallas — and the rest of Texas — are relatively high, you can help lower your car insurance costs by comparing quotes from multiple insurers. Here’s what you need to know about finding the cheapest rates in Dallas.

Quick Facts
  • State Farm, GEICO, and Mile Auto have the cheapest average liability rates in Dallas.

  • Texas insurers can consider your credit-based insurance score when determining car insurance premiums.

  • On average, Dallas drivers pay $138 per month for liability coverage and $277 for full coverage.

Cheapest car insurance companies in Dallas

The best auto insurance company for you depends on your financial situation and insurance needs. Each insurer uses different criteria to set rates. Factors like your gender, marital status, ZIP code, driving history, and credit history go into these calculations.[1] Even if multiple insurers use similar rating factors, the weights applied to them can vary by insurer.

Dallas drivers need to compare quotes from several insurance companies to find the best coverage at the right price. The following three insurers offer some of the best coverage in Dallas at an affordable price. The quotes provided below reflect average costs in the state of Texas.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.5$64$38Cheap rates
GEICO4.2$70$42Discounts
USAA4.5$114$69Military members and families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$72/mo

Founded in 1922, State Farm is the largest auto insurance company in the United States by market share. The company offers multiple ways to save through a robust list of discounts and the ability to customize coverage types, making it one of the best and most inexpensive options for drivers.

Additionally, State Farm ranked second in customer satisfaction in Texas in the 2023 J.D. Power U.S. Auto Insurance Study and earned an A++ (Superior) financial strength rating from AM Best, the highest level possible.

Pros
  • High J.D. Power customer satisfaction rating

  • Rideshare insurance available

Cons
  • Gap insurance not available

  • May not be the cheapest choice for drivers with violations or accidents

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$48/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.
$79/mo

Established in 1936, GEICO is another one of the largest companies in the auto insurance industry. The company has a reputation for discounts and a variety of coverage offerings.

GEICO offers a number of discounts related to vehicle equipment, driving history and habits, education, affiliations, customer loyalty, and more. Ideally, you can use multiple discounts to maximize your savings.

Pros
  • At least 16 available discounts

  • Award-winning mobile phone app and website

Cons
  • Below-average J.D. Power customer satisfaction rating in Texas

  • Limited local insurance agents

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Best insurer for the military community: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$129/mo

Founded in 1922 when 25 Army officers joined together to insure each other’s automobiles, USAA is still offering car insurance to active-duty military members, veterans, and their families more than 100 years later.

Around 130,000 veterans live in Dallas County, making USAA a great insurance company option for a portion of the Dallas population.

Pros
  • A++ (Superior) financial strength rating from AM Best

  • Offers usage-based auto insurance

Cons
  • Only available to active-duty military, veterans, and their family members

  • Doesn’t have 24/7 customer service

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Find Cheap Car Insurance in Dallas, Texas

Liability coverage starts at $43 per month

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How to get the cheapest car insurance in Dallas

The cheapest car insurance in Dallas will look different for each driver because insurers use a number of different factors to set premium rates. It’s important to get quotes and compare rates from multiple insurance companies to find the cheapest insurance for you.

In addition to shopping around, these strategies can also help you find the cheapest car insurance in Dallas:

  • Maintain a clean driving record. Safe drivers earn the lowest insurance costs.

  • Adjust your coverage levels. You can make a number of tweaks to your insurance policy to reduce your costs, such as increasing your comprehensive or collision deductibles, dropping collision or comprehensive coverage, or decreasing your coverage limits. Just make sure you don’t lower your coverage so much that you can’t afford to cover the out-of-pocket costs after an accident.

  • Take advantage of discounts. Most insurance companies offer discounts to customers who bundle home insurance or renters insurance with their auto insurance. Other common discounts reward safe drivers and good students.

  • Improve your credit score. Insurance companies in Texas can use your credit history as a factor in setting your rates. Improving your credit will save you money on car insurance, and it can improve your finances in general.

Cheapest liability-only car insurance in Dallas: State Farm

If you cause a car accident, liability car insurance will pay for the other party’s vehicle damage and medical expenses stemming from the accident. However, liability-only coverage doesn’t pay to repair or replace your vehicle. This coverage can work as an inexpensive option for budget-minded drivers, but it could cost more in the long run if you cause an accident.[2]

The cheapest insurer for liability-only car insurance in Dallas is State Farm, with an average monthly cost of $43. This is significantly less expensive than the average monthly cost of $138 for this coverage in Dallas. Find additional cheap liability-only coverage options for Dallas drivers below.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm43
GEICO48
Mile Auto58
Hugo60
Allstate61
USAA78
Safeco92
Nationwide104
Mercury106
Midvale Home & Auto110
Progressive110
Clearcover118
Dairyland118
Chubb132
National General136
Liberty Mutual141
Elephant143
Commonwealth Casualty146
Direct Auto150
21st Century153
GAINSCO166
The General166
Bristol West183
State Auto197
AssuranceAmerica206
Infinity207
Foremost242
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Dallas: State Farm

Drivers in Dallas may want to consider full-coverage car insurance since it provides more protection than liability-only coverage. In particular, full-coverage insurance includes collision coverage, which pays for damage to your car if you cause an accident, and comprehensive coverage, which kicks in for vehicle damage from non-collision incidents, like fire, theft, and weather hazards.

Lenders may require you to purchase full-coverage insurance if you have an auto loan or lease your car. The average monthly cost of full-coverage insurance is $277 in Dallas.

Here are several insurers that offer the cheapest full-coverage car insurance options in Dallas.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm72
GEICO79
Allstate102
Mile Auto115
USAA129
Clearcover156
Hugo163
Mercury170
Nationwide183
Travelers184
Progressive195
Midvale Home & Auto197
Safeco198
Chubb219
Elephant230
21st Century253
AssuranceAmerica269
Direct Auto287
Liberty Mutual288
Dairyland296
National General302
Infinity314
The General337
Bristol West339
GAINSCO361
State Auto362
Commonwealth Casualty372
Foremost482
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Texas

Texas is an at-fault state, which means the at-fault driver is responsible for covering the other party’s vehicle damages and medical costs.[3]

Texas requires all drivers to purchase minimum amounts of bodily injury and property damage liability coverage. To legally drive in the state, you need to purchase the following minimum coverages:[4]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000 per accident

Texas drivers don’t need to carry more than the above minimum requirements, but you should consider increasing these coverage amounts and types in case of a serious accident. Dallas drivers may want to consider the following optional coverages for more vehicle protection:

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Personal injury protection (PIP) coverage

    All auto insurance policies in Texas automatically include PIP, but you can opt out of it with a written request. This kind of insurance pays for your and your passengers’ medical bills and some other expenses following an accident.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist’s coverage kicks in if you have an accident with an uninsured or underinsured driver. It also covers hit-and-run accidents. As with PIP coverage, all insurance policies in Texas must offer this kind of coverage, and you have to make your opt-out request in writing.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to repair or replace your vehicle following a collision with another vehicle or object, like a tree or light pole, regardless of fault. Collision also covers rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage will pay to repair or replace your vehicle following damage from a non-collision incident, such as a storm, theft, vandalism or fire.

Cheapest car insurance for drivers with an incident

Drivers with a clean record typically pay the lowest insurance rates. If you have a past incident on your driving record — such as an at-fault accident, speeding ticket, DWI, or other moving violation — you can expect higher insurance premiums.

On average, Dallas drivers with a past incident pay $281 per month for car insurance. The severity and frequency of your violations will also influence how much you pay for car insurance. Here’s how different incidents may affect your insurance rates and where you can look for affordable insurance even with a spotty driving record.

Shop for Car Insurance in Dallas, TX

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding can have some serious consequences. In 2020, 37% of traffic deaths in Texas were speed-related, according to data from the National Highway Traffic Safety Administration (NHTSA).[5] The dangers associated with speeding explain why insurers may charge drivers more for coverage if they have a ticket.

The average cost of car insurance for Dallas drivers with a past speeding ticket is $288 per month. Compare average quotes from different insurers below.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm4354
GEICO4861
Mile Auto5885
Hugo6084
Allstate6177
USAA7899
Safeco92126
Nationwide104133
Mercury106154
Progressive110145
Clearcover118161
Dairyland118155
Chubb132170
National General136173
Liberty Mutual141193
Elephant143183
Commonwealth Casualty146180
Direct Auto150198
21st Century153203
GAINSCO166205
The General166218
Bristol West183236
State Auto197261
AssuranceAmerica206283
Infinity207278
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you have an at-fault accident on your record, it’s likely that insurance companies will view you as a higher risk than drivers with no accidents. Depending on the severity and circumstances of the accident and your driving history, your insurer may increase your premiums or even drop you after an at-fault accident. However, accident forgiveness coverage could help hold your rates steady after your first at-fault accident. You'll generally need to have a clean driving record for three to five years to be eligible to buy this type of coverage.

Finding affordable insurance after an at-fault accident isn’t impossible. Dallas drivers with a past accident pay an average of $308 per month for coverage.

Here are average liability-only quotes from several insurers for drivers with an at-fault accident.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Accident
State Farm4358
GEICO4865
Mile Auto5892
Hugo6081
Allstate6183
USAA78106
Safeco92137
Nationwide104142
Mercury106164
Progressive110156
Clearcover118192
Dairyland118164
Chubb132181
National General136188
Liberty Mutual141206
Elephant143196
Commonwealth Casualty146200
Direct Auto150213
21st Century153215
GAINSCO166222
The General166233
Bristol West183248
State Auto197290
AssuranceAmerica206296
Infinity207280
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DWI: State Farm

Driving under the influence, which is called “driving while intoxicated” (DWI) in Texas, is a serious traffic offense that comes with some major penalties. A first DWI offense in Texas comes with a fine of up to $2,000, up to 180 days in jail, and the loss of your driver’s license for up to a year. These penalties increase for subsequent offenses.[6]

In Texas, a DWI can stay on your record permanently. Drivers who have a past DWI may struggle to find affordable car insurance, but several insurance companies offer coverage for drivers with a DWI conviction. The average cost of car insurance for a Dallas driver with a past DWI is $349.

Compare average liability quotes from the following insurers that offer coverage to drivers with a DWI.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith DWI
State Farm4370
GEICO4878
Mile Auto5894
Hugo6092
Allstate6199
USAA78126
Safeco92149
Nationwide104168
Mercury106174
Progressive110178
Clearcover118191
Dairyland118191
Chubb132214
National General136220
Liberty Mutual141228
Elephant143231
Commonwealth Casualty146214
Direct Auto150243
21st Century153248
GAINSCO166269
The General166269
Bristol West183296
State Auto197319
AssuranceAmerica206333
Infinity207335
Foremost242392
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Your age affects how much you pay for car insurance. Older drivers tend to pay less for their car insurance than young drivers due to safer driving habits. In most cases, premium rates decrease for most drivers around age 35 and remain low for another four decades. However, around age 70, rates tend to increase again because senior drivers may experience aging-related risk factors that lead to more accidents.

The overall average cost of car insurance for senior drivers in Dallas is $147 per month. Here’s how average quotes from several different insurers vary for senior drivers.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
State Farm3152
GEICO3558
Mile Auto4283
Allstate4677
USAA5896
Nationwide73128
Progressive73130
Safeco73157
Mercury80129
Chubb89148
Dairyland89223
Clearcover102135
Elephant105168
National General105233
21st Century107177
Commonwealth Casualty107272
Liberty Mutual107219
Direct Auto108206
GAINSCO126274
The General129262
Bristol West137253
AssuranceAmerica147192
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers have the highest insurance costs of any demographic, in part due to limited driving experience. But they’re also more likely to take risks on the road, which is why the youngest drivers have a higher rate of fatal crashes, according to the NHTSA.[7]

Even though teenagers generally pay higher rates than other drivers, you can use a few strategies to find cheap car insurance as a teenage driver. For example, teen drivers will typically pay less for coverage if they join their parents’ existing policy, drive a safe car, earn good grades to qualify for a good student discount, or attend school away from home. Minor teens won't be able to legally buy coverage of their own without the written consent of a parent or guardian.

On average, the cost of car insurance for teen drivers in Dallas is $353 per month. Here are some of the cheapest average quotes offered to teen drivers in Dallas.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
State Farm72121
GEICO74122
Allstate105175
Hugo105286
Mile Auto108214
USAA126208
Safeco161347
Nationwide174306
Dairyland187468
Mercury191307
Progressive192341
Clearcover207273
Elephant231372
Liberty Mutual234478
Chubb238395
21st Century250413
Commonwealth Casualty251640
National General253563
The General258525
Direct Auto268512
GAINSCO293637
Bristol West297550
State Auto345634
Infinity379574
AssuranceAmerica382499
Foremost424844
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Dallas car insurance quotes by credit tier

Texas allows insurance companies to use drivers’ credit history as a factor in determining premium rates. State law requires the Texas Department of Insurance to regulate how insurers use credit. This oversight protects consumers in Texas with several important rules:

  • Insurers can’t use credit as the only factor in setting insurance rates.

  • Consumers have the right to know what scoring system a company uses.

  • Companies must tell consumers how to dispute inaccurate credit information.[8]

Even with these protections in place, credit history can affect how much drivers in Dallas pay for auto insurance. Drivers with good or excellent credit generally pay lower rates than people with poor credit.

Here are the average monthly quotes for full-coverage auto insurance in Dallas by credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Dallas?

The average cost of coverage in Dallas is $138 per month for liability coverage and $277 for full-coverage insurance. These costs are slightly higher than the Texas state average of $119 per month for liability coverage and slightly lower than than the Texas full-coverage average of $247.

Dallas residents pay more than the national average, which is $103 per month for liability-only coverage and $210 for full-coverage insurance. Drivers in Dallas likely face high rates due to the city’s higher population density and congested highways.

More cities in Texas

Though it’s not the most expensive city in Texas for car insurance, Dallas does have higher costs than some other cities in the Lone Star State. Houston has the highest rates for both liability and full-coverage insurance, while Plano has the lowest liability-only rates and Garland has the lowest full-coverage premiums.

Check out how Dallas compares to the following Texas cities.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Abilene$92$206
Amarillo$103$238
Arlington$124$244
Austin$129$230
Beaumont$137$284
Brownsville$109$232
Corpus Christi$121$228
Denton$116$246
El Paso$92$217
Fort Worth$123$243
Galveston$123$237
Garland$135$264
Grand Prairie$132$273
Houston$169$312
Huntsville$106$225
Irving$133$269
Killeen$108$210
Laredo$106$229
Lubbock$108$238
Mesquite$132$282
Odessa$105$273
San Antonio$124$241
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Dallas car insurance FAQs

Before you start shopping around for auto coverage, you should decide on the right amount of insurance for your needs. The following information should help answer your remaining questions about finding car insurance in Dallas.

  • How much is car insurance in Dallas?

    The overall average cost of car insurance in Dallas is $207 per month. Dallas drivers pay $138 per month for liability coverage and $277 for full-coverage insurance, on average. How much you pay for coverage will depend on your driving record, age, credit history, and more.

  • Who has the cheapest car insurance in Dallas?

    With a liability car insurance rate of $43 per month, State Farm is the cheapest car insurance company in Dallas. GEICO and Mile Auto also offer affordable coverage, with rates of $48 and $58 per month, respectively. The best way to find cheap car insurance is to compare quotes from multiple insurers at once.

  • What are the best car insurance companies in Dallas?

    The best car insurance company in Dallas is State Farm, which has a high Insurify Quality (IQ) Score of 4.5 out of 5, an A++ (Superior) financial strength rating from AM Best, and a high customer satisfaction rating from J.D. Power. On average, State Farm policyholders in Texas pay $38 per month for liability coverage and $64 for full coverage. Other top insurers include GEICO and USAA.

  • What is the minimum car insurance required in Texas?

    Texas drivers need to carry at least $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage. Insurers in Texas must also offer all drivers personal injury protection and uninsured/underinsured motorist coverage, though drivers can opt out of both these coverages in writing.

  • Is Texas a no-fault state?

    No. Texas is an at-fault state, which means the driver who causes the accident must cover the other party’s resulting vehicle repairs and medical expenses.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed November 6, 2023
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed November 6, 2023
  3. NOLO. "Texas Car Accident Laws." Accessed November 6, 2023
  4. Texas Department of Insurance. "Auto insurance guide." Accessed November 6, 2023
  5. National Highway Traffic Safety Administration. "Traffic Safety Facts 2020 Data." Accessed November 6, 2023
  6. Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI." Accessed November 6, 2023
  7. National Highway Traffic Safety Administration. "Teen Driving." Accessed November 6, 2023
  8. Texas Department of Insurance. "Credit Scoring and Insurance." Accessed November 6, 2023
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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