Cheapest Auto Insurance in Denton, Texas (2024)

Located on the northern edge of the Dallas-Fort Worth metropolitan area, Denton is home to thousands of college students and a fast-growing population. Despite the growth, Denton isn’t too densely populated, which means less traffic congestion and some reasonable insurance rates.

Drivers in Denton pay an overall average of $178 per month for car insurance, which is comparable to the Texas state average of $180 per month. But comparing car insurance rates from multiple insurers could help you find cheaper-than-average rates.

Here’s what you need to know about finding the cheapest car insurance in Denton.

3 of the cheapest car insurance companies in Denton

Your ideal car insurance policy depends on your personal needs. Key features of your driver profile, such as your age, location, vehicle, and more, also affect how much you pay.

Below, you’ll find three of the most affordable car insurance companies in Denton. They can be a great place to start your search.

Best insurer for cheap rates: State Farm

Cheap Rates

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User Reviews	4.2 4,997 reviews
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.	$36/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.	$68/mo

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Driver Reviews

4.2

Best choiceBased on 9085 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (4,997)

Sofia

December 1, 2024

Verified Review

State Farm

I would not recommend them as they are one of the more expensive insurance companies and many of them will overcharge you.

Bernice

December 1, 2024

Verified Review

Fair

The price is too high for the elderly.

Donna

November 30, 2024

Verified Review

It's Okay, Could Be Better

There's too much runaround in getting answers.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

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 has been in business for more than 100 years. Today, it sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance. State Farm car insurance policies offer multiple ways to save, from customizing coverage types to a robust list of discounts.

Pros

• High rates of customer satisfaction

• Rideshare insurance available

Cons

• No gap insurance

• May not be the cheapest choice for drivers with violations

Best insurer for teen drivers: GEICO

Teen Drivers

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User Reviews	4.0 5,669 reviews
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.	9.0 /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.	$39/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.	$74/mo

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Driver Reviews

4.0

Best choiceBased on 10310 verified guest reviews and ratings

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (5,669)

Ronald

December 1, 2024

Verified Review

Best Insurance Company Ever

As usual, they make my life easy.

Dennis

November 29, 2024

Verified Review

Used to Have Low Rates, Not Anymore!

They were good until they started to raise my policy cost every six months for the last three years. I've never had an accident or claim, except for a windshield.

Timothy

November 28, 2024

Verified Review

3/5 Stars

I haven't had a claim yet, so I don't know how good they are. I'm not looking forward to a claim. Paying $100/month for one car seems very expensive, especially if driving less than 50 miles/day!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.74

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

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO sells homeowner, flood, life, business, and identity protection insurance, among other products.

Pros

• Good rates for good drivers, seniors, and young drivers

• Accident forgiveness available

Cons

• High rates for drivers with certain violations, like DUIs

• No rideshare or new car replacement coverage available

Best insurer for drivers with DUIs: Allstate

Drivers with DUIs

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User Reviews	4.0 3,081 reviews
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.	$52/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.	$95/mo

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Driver Reviews

4.0

Best choiceBased on 5666 verified guest reviews and ratings

How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,081)

Fernando

November 28, 2024

Verified Review

Just So

There needs to be more competition in drive-by-mile insurance.

Mark

November 28, 2024

Verified Review

Good

There is no communication other than policy renewal.

Nina

November 27, 2024

Verified Review

Unhappy Customer

They are overpriced.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

833

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.94

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

Founded by Sears executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Pros

• Well-established with superior ratings from AM Best

• Pay-per-mile option available

Cons

• Below-average customer satisfaction

• Rates are merely average compared to other insurers

How to get the cheapest car insurance in Denton

Living in Denton means you already deal with auto insurance rates that are slightly higher than the national average. Fortunately, you can lower your rates by employing any of the following strategies:

• Raise your deductible. A higher deductible typically leads to lower monthly car insurance premiums.

• Take advantage of discounts. Reach out to your insurance agent to see if you qualify for any car insurance discounts. Bundling discounts reward drivers who purchase home insurance, renters insurance, or other insurance products from their auto insurer.

• Purchase a safe vehicle. Drivers looking for cheap car insurance should choose cars with advanced safety features and strong safety records. These types of vehicles usually come with lower rates.

• Shop around and compare. Different insurers offer different rates. When shopping for car insurance, collect online quotes from at least three car insurance companies, then compare them side by side to find the best policy for you.

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Cheapest liability-only car insurance in Denton: State Farm

If you cause an accident, liability insurance covers the other driver’s medical bills and car repairs. But liability coverage won’t cover your own medical expenses or repairs. 

Denton drivers pay an average of $1,407 per year, or $117 per month, for liability coverage. The table below shows the cheapest liability-only car insurance options in Denton.

Cheapest full-coverage car insurance in Denton: State Farm

Full-coverage car insurance policies include liability insurance, as well as collision coverage and comprehensive coverage. Collision insurance covers damage to your own vehicle after an accident, while comprehensive covers your car’s repairs if it’s damaged in a non-collision event, like a fire, severe weather, or an act of vandalism.

Full coverage is a good option for drivers of new, high-value, or financed cars, though this more robust policy type usually comes with a higher price tag.

In Denton, full-coverage insurance averages $239 per month. The table below highlights the cheapest car insurance companies in Denton for full-coverage policies.

Car insurance requirements in Texas

To drive legally in Texas, you must carry liability insurance that meets the basic minimum requirements. The table below shows how much car insurance is required in Texas:^[1]

While the table above illustrates what you need in Texas, you may want to enhance your coverage with the following options:

• 

  Collision coverage

  If you cause an accident, collision insurance covers the cost of repairs to your own vehicle.

• 

  Comprehensive coverage

  If a non-collision event causes damage to your car, comprehensive insurance covers the cost of repairs.

• 

  Uninsured/underinsured motorist coverage

  If you get in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages, your uninsured/underinsured motorist coverage will kick in.

Cheapest car insurance for drivers with an incident

You’ll pay more for car insurance if you have an incident on your record. Incidents can include speeding tickets, driving under the influence, at-fault accidents, and other moving violations. Car insurance companies see drivers with these types of incidents on their record as more likely to file a claim in the future, so they charge higher premiums to offset this risk.

Here, you’ll see how different incident types can affect your rates.

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

Speeding is considered a misdemeanor in Texas, and it can come with a fine ranging from $130 to $300 depending on how significantly the driver exceeded the speed limit.^[2] If you earn a speeding ticket on your record, you should probably expect your insurance rates to rise as well.

Denton drivers cited for speeding pay average monthly rates of $326 for full coverage and $159 for liability-only insurance. The table below shows the cheapest insurers after a speeding ticket.

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

Having an at-fault accident on your driving record will often cause higher car insurance rates. How much your rate increases depends on the severity of the crash and the value of the insurance claim. Drivers with at-fault accidents on their driving records typically deal with higher rates for about three years.^[3]

On average, an at-fault accident can boost Denton drivers’ monthly premiums to $169 for liability-only car insurance and $346 for full coverage. Here are the cheapest car insurance companies in Denton for drivers with an at-fault accident in their driving history.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI is one of the most severe incidents you can have on your driving record. If you’re cited for DUI, it’ll often lead to a steep rise in car insurance rates, and some insurers may drop your coverage altogether. In Texas, you must also file a special form called an SR-22 for two years after the date of your DUI conviction.

Denton drivers with a DUI on their records can see their monthly rates increase substantially — $394 on average for full coverage and $193 for liability only. Here are the cheapest car insurance companies in Denton for people with a DUI in their driving history.

Cheapest car insurance for seniors: State Farm

Age is another major factor that determines your car insurance rates. While drivers enjoy low rates during their middle-aged years, those rates increase again around age 70. This is because faculties commonly reduce at this age and because the likelihood of an accident leading to severe medical costs increases.

Senior drivers in Denton have an overall average monthly insurance rate of $140. Here are the cheapest car insurance companies in Denton for senior drivers.

Cheapest car insurance for teens: State Farm

Teen drivers pay higher average insurance rates than any other age group. This is because car insurance companies see teen drivers as high-risk drivers due to their comparatively high accident rates. CDC data shows that teen drivers are nearly three times as likely to be involved in a serious crash as drivers age 20 and older.^[4]

Luckily, teens can save on car insurance by staying on their parents’ insurance plan, maintaining a safe driving record, opting for a vehicle with a strong safety record, and taking advantage of good student discounts.

Car insurance for teen drivers in Denton costs $218 per month for liability-only coverage and $444 for full coverage, on average. Here are the cheapest auto insurance companies in Denton for teen drivers.

Denton car insurance quotes by credit tier

Texas state law allows car insurance companies to take your credit history into consideration when determining your car insurance rates. But companies may not refuse you coverage or cancel your coverage due to your credit history.^[5]

As the chart below shows, Denton drivers with excellent or good credit scores pay lower car insurance rates on average compared to drivers with poor credit scores.

Is car insurance more expensive in Denton?

Denton’s average car insurance rate of $178 per month is higher than the national average of $153 per month.

Car insurance rates can vary by ZIP code based on a variety of factors, such as local repair costs, property values, the frequency of insurance fraud, local crime rates, and local weather patterns.

More cities in Texas

Car insurance rates vary from city to city in Texas. While Denton doesn’t have the cheapest car insurance in Texas, its full-coverage rates are still at or below the state average of $239 per month.

Below, you can see average quotes in other Texas cities and how they compare to Denton.

Denton car insurance FAQs