Cheapest Auto Insurance in Denton, Texas (2025)

State Farm offers the cheapest car insurance in Denton, with minimum-coverage policies as low as $38 per month.

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Cheapest recent rates near Denton, Texas

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $68/mo for full coverage in Denton and other Texas cities.

*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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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 $173 per month for car insurance, which is comparable to the Texas state average of $176 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.

Quick Facts
  • On average, Denton drivers pay $118 per month for liability-only coverage and $227 per month for full-coverage insurance.

  • State Farm is the cheapest full-coverage car insurance company in Denton, with rates starting at $72 per month.

  • Car insurance for teen drivers in Denton costs an average of $334 per month, overall.

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.

Insurance Company
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
State Farm9.3$74$41Cheap rates
GEICO9.0$81$44Teen drivers
Allstate8.9$105$58Drivers with DUIs
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.
  • 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 cheap rates: State Farm

User Reviews
4.2
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.
$38/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
4.2
Best choiceBased on 10,954 verified guest reviews and ratings
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.

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

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,948)

Sabrina

May 7, 2025

Verified Review

Friendly company

They are very responsible and have a friendly demeanor.

Merrill

May 7, 2025

Verified Review

Good experience overall

Easy to deal with but a little bit pricey. Saved money at first, but increases put the numbers up.

Pamela

May 7, 2025

Verified Review

Feel I'm being taken

I like my agent. I don't like paying for other people's mistakes. I feel as a senior I'm paying too much. No DUIs or accidents, and I'm still paying over $100 a month. I could go on...
See all State Farm reviews
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

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 /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.
$41/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
4.1
Best choiceBased on 11,760 verified guest 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 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 For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,367)

Howard

May 7, 2025

Verified Review

Looking for better premiums

It seems expensive, especially when I bundle my motorcycle too.

Lisa

May 7, 2025

Verified Review

Look elsewhere

Expensive. My bill keeps going up.

Chester

May 7, 2025

Verified Review

The best price in an overpriced industry

Best price I could find by hundreds, but not cheap.
See all GEICO reviews
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

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.
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.
$53/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.
$102/mo
4.0
Best choiceBased on 6,691 verified guest 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 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 For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,603)

Latosha

May 6, 2025

Verified Review

Pleasant

They offer everything you need easily and conveniently with no hassle.

Haakayoo

May 5, 2025

Verified Review

Allstate is getting too expensive

I am not sure I would recommend Allstate to anyone at this time. Although their bundles are still better than those offered by many of their competitors, they raise their auto premiums by huge margins every premium cycle under the guise that there are a lot of claims filed by drivers in Georgia. Although that is true, it does not justify the 30% to 35% premium increases I have seen in the last year alone. I suspect the four accidents I have had since March 21, 2024. Although I was absolved of fault by the police reports in as many as three of them, my six-monthly premiums jumped from $870 before March 21, 2024, to $1,395 in the most recent renewal. That is a whopping 60% increase in a single year!

Yolanda

May 5, 2025

Verified Review

Awesome Agents

I never had to file a claim, so I don't know how that works. However, I have needed to make late payments, and my guy Lyle is awesome and very understanding. The one thing that is confusing is the safe driver's discount. My first month, I saved like $166, and it was applied to my bill, which I love. Then, like 3 months went by with no savings, and I know I didn't change my driving habits. Then another time, I saved over $100. But otherwise, it's a great company. They actually email back the same day or the next day.
See all Allstate reviews
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 $1,414 per year, or $118 per month, for liability coverage. The table below shows the cheapest liability-only car insurance options in Denton.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
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Average Monthly Quote
sort ascsort desc
State Farm$38
GEICO$41
Allstate$53
Mile Auto$57
USAA$68
Nationwide$86
Mercury$89
Progressive$98
Root$100
Dairyland$110
Chubb$116
Safeco$118
Direct Auto$127
The General$127
National General$127
Clearcover$128
AssuranceAmerica$129
Bristol West$130
Commonwealth Casualty$132
21st Century$133
Elephant$146
GAINSCO$165
Foremost$217
Liberty Mutual$233
State Auto$256
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 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 $227 per month. The table below highlights the cheapest car insurance companies in Denton for full-coverage policies.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$72
GEICO$79
Allstate$102
Mile Auto$117
USAA$128
Mercury$160
Nationwide$161
Progressive$171
Root$190
Safeco$191
Clearcover$211
Chubb$219
Direct Auto$239
Elephant$243
National General$251
21st Century$253
The General$260
Bristol West$270
AssuranceAmerica$283
Dairyland$289
Liberty Mutual$327
GAINSCO$354
Commonwealth Casualty$369
Foremost$472
State Auto$484
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 recent rates near Denton, Texas

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $68/mo for full coverage in Denton and other Texas cities.

*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

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]

Coverage
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Minimum Requirements
sort ascsort desc
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000 per accident

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

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

    Collision coverage

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

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

    Comprehensive coverage

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

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

    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 $306 for full coverage and $159 for liability-only insurance. The table below shows the cheapest insurers after a speeding ticket.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$38$48
Allstate$53$68
Mile Auto$57$71
USAA$68$87
Nationwide$86$111
Mercury$89$123
Progressive$98$126
Root$100$140
Dairyland$110$141
Chubb$116$149
Safeco$118$155
Direct Auto$127$164
The General$127$169
National General$127$162
Clearcover$128$168
AssuranceAmerica$129$162
Bristol West$130$169
Commonwealth Casualty$132$179
21st Century$133$175
Elephant$146$185
GAINSCO$165$224
Foremost$217$294
Liberty Mutual$233$316
State Auto$256$332
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

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 $164 for liability-only car insurance and $316 for full coverage. Here are the cheapest car insurance companies in Denton for drivers with an at-fault accident in their driving history.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$38$50
Allstate$53$70
Mile Auto$57$77
USAA$68$90
Nationwide$86$115
Mercury$89$129
Progressive$98$134
Root$100$144
Dairyland$110$146
Chubb$116$154
Safeco$118$164
Direct Auto$127$173
The General$127$174
National General$127$166
Clearcover$128$190
AssuranceAmerica$129$165
Bristol West$130$173
Commonwealth Casualty$132$174
21st Century$133$180
Elephant$146$193
GAINSCO$165$212
Foremost$217$304
Liberty Mutual$233$327
State Auto$256$345
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 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 — $361 on average for full coverage and $188 for liability only. Here are the cheapest car insurance companies in Denton for people with a DUI in their driving history.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$38$61
Allstate$53$85
Mile Auto$57$91
USAA$68$109
Nationwide$86$138
Mercury$89$137
Progressive$98$157
Root$100$147
Dairyland$110$176
Chubb$116$186
Safeco$118$185
Direct Auto$127$203
The General$127$203
National General$127$203
Clearcover$128$205
AssuranceAmerica$129$207
Bristol West$130$208
Commonwealth Casualty$132$211
21st Century$133$213
Elephant$146$234
GAINSCO$165$264
Foremost$217$348
Liberty Mutual$233$373
State Auto$256$410
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

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 $137. Here are the cheapest car insurance companies in Denton for senior drivers.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$54$29
Allstate$80$41
Mile Auto$86$42
USAA$100$53
Nationwide$117$62
Progressive$119$68
Mercury$126$70
Chubb$156$83
Root$159$84
Safeco$160$99
Clearcover$178$108
Direct Auto$180$96
21st Century$186$98
National General$186$94
Elephant$187$112
The General$203$99
Bristol West$212$102
AssuranceAmerica$213$97
Dairyland$227$86
Liberty Mutual$265$189
GAINSCO$286$133
Commonwealth Casualty$286$102
State Auto$359$190
Foremost$372$171
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 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 $228 per month for liability-only coverage and $438 for full coverage, on average. Here are the cheapest auto insurance companies in Denton for teen drivers.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
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Full Coverage
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Liability Only
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State Farm$136$72
Allstate$201$104
USAA$236$125
Mile Auto$245$120
Mercury$305$170
Nationwide$312$166
Root$312$164
Progressive$324$185
Safeco$398$246
Clearcover$416$252
Elephant$436$262
The General$447$218
Chubb$465$246
21st Century$472$248
Direct Auto$477$254
Dairyland$492$187
Bristol West$493$237
National General$520$263
AssuranceAmerica$553$252
Liberty Mutual$598$426
GAINSCO$666$310
Commonwealth Casualty$684$245
Foremost$906$417
State Auto$1,163$615
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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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.

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 Denton?

Denton’s average car insurance rate of $173 per month is higher than the national average of $150 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 $231 per month.

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

City
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Full Coverage
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Liability Only
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Arlington$239$126
Austin$231$132
Dallas$267$132
El Paso$200$99
Fort Worth$232$120
Houston$311$172
Irving$248$129
Plano$234$126
San Antonio$233$125
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.

Denton car insurance FAQs

Car insurance rates can be high in Denton, but you can keep your rates low with the following information.

  • How much is car insurance in Denton, Texas?

    The average rate for car insurance in Denton is $173 per month. The average rate for liability-only coverage is $118, and the average rate for full coverage is $227 per month.

  • Which company has the cheapest car insurance rates in Denton?

    Denton drivers can find the cheapest car insurance rates with State Farm, which has a monthly rate of $38 for liability coverage. GEICO and Allstate are also cheap options, with monthly liability rates of $41 and $53, respectively.

  • What are the best car insurance companies in Denton?

    State Farm, GEICO, and Allstate rank as three of the top insurers in Denton. All three are leading national insurers with impressive Insurify Quality Scores. In addition, each insurer has received recognition for their variety of offerings, customer service, and financial stability.

  • What is the bare-minimum car insurance in Texas?

    To drive legally in Texas, you must have car insurance that meets the state’s minimum requirements for bodily injury and property damage liability. For bodily injury, your coverage must amount to at least $30,000 per person and $60,000 per accident. For property damage liability, your coverage must meet or exceed $25,000 per accident.

  • Can you avoid paying for car insurance in Texas?

    No. To drive in Texas, you must have coverage that meets the state’s minimum requirements outlined above. But you can choose to carry coverage that exceeds those minimums.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Related articles

Sources

  1. Texas Department of Insurance. "Shopping for auto insurance: What to know before you buy a policy."
  2. NOLO. "Texas's Speeding Laws."
  3. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  4. CDC. "Teen Drivers and Passengers: Get the Facts."
  5. Texas Department of Insurance. "Credit Scoring and Insurance."
A.M. Steinbach
A.M. SteinbachInsurance Writer

A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.

A.M. has been a contributor at Insurify since December 2022.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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