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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 January 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 January 13, 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 January 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 January 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $174 per month for car insurance, which is comparable to the Texas state average of $179 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 $117 per month for liability-only coverage and $232 per month for full-coverage insurance.
State Farm is the cheapest full-coverage car insurance company in Denton, with rates starting at $69 per month.
Car insurance for teen drivers in Denton costs an average of $327 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
▲▼
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.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
State Farm
9.3
$71
$38
Cheap rates
GEICO
9.0
$77
$41
Teen drivers
Allstate
8.9
$100
$54
Drivers 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.
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.
$37/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.
$69/mo
4.2
Best choiceBased on 9,419 verified guest reviews and ratings
▲
State Farm's score
▲▼
Industry average
▲▼
Coverage options
4.2
3.2
Customer service
4.1
3.6
Discounts
4
2.9
Policy transparency
4
3.1
Value
4
2.9
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 (5,180)
Sandra
January 13, 2025
Verified Review
Need Less Expensive Insurance
Good.
Uriel
January 13, 2025
Verified Review
Poor
Too expensive.
Pano
January 13, 2025
Verified Review
Excellent but Pricey Insurance
The insurance coverage is excellent, but it has gotten too pricey!
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
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.
$40/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.
$75/mo
4.0
Best choiceBased on 10,602 verified guest reviews and ratings
▲
GEICO's score
▲▼
Industry average
▲▼
Coverage options
4
3.2
Customer service
3.9
3.6
Discounts
3.8
2.9
Policy transparency
3.9
3.1
Value
3.8
2.9
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 (5,835)
Dan
January 13, 2025
Verified Review
Why I Changed
Too expensive.
Gaden
January 13, 2025
Verified Review
Geico is Great but Disrespects Good Customers
I have used Geico numerous times over the years as my car insurance carrier. I have always had an excellent relationship with Geico. However, this year Geico wanted $275/6mo MORE than at least one major competitor. This is unacceptable because I am a desirable client who drives safely, has a superior credit rating, a college graduate, a homeowner at the same location for 10 years (no mortgage), and no driving infractions. I would have preferred to stay with Geico but I am deeply offended by Geico's increase in my rate compared with other industry leaders. Very sad!
Kyle
January 13, 2025
Verified Review
High Cost
The cost is too high. They raised the rates even though we never made any claims.
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
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.
$97/mo
4.0
Best choiceBased on 5,842 verified guest reviews and ratings
▲
Allstate's score
▲▼
Industry average
▲▼
Coverage options
4
3.2
Customer service
3.8
3.6
Discounts
4
2.9
Policy transparency
3.9
3.1
Value
3.8
2.9
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 (3,188)
Randy
January 13, 2025
Verified Review
When I got insurance for my truck, which is almost 20 years old, the cost was too high. I was charged $500 for six months, which I find ridiculous. I was never informed that I had to sign anything to decline uninsured motorist coverage, and now I'm being charged for something I didn't want from the start. I'm considering cancelling my insurance unless this charge is reversed. I believe I should have been informed about this at the start of my policy, rather than being told later that I owe almost $200 for something I didn't want. I'm disappointed with Allstate Insurance and I wouldn't recommend them to others. I feel like I've been ripped off.
When I got insurance for my truck, which is almost 20 years old, the cost was too high. I was charged $500 for six months, which I find ridiculous. I was never informed that I had to sign anything to decline uninsured motorist coverage, and now I'm being charged for something I didn't want from the start. I'm considering cancelling my insurance unless this charge is reversed. I believe I should have been informed about this at the start of my policy, rather than being told later that I owe almost $200 for something I didn't want. I'm disappointed with Allstate Insurance and I wouldn't recommend them to others. I feel like I've been ripped off.
Kimberly
January 13, 2025
Verified Review
Go Elsewhere!
Go somewhere else. Allstate's prices are outrageously high.
Natasha
January 13, 2025
Verified Review
Excellent
Good. Matt has always been very helpful with any questions I've had.
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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Based on 3,806+ reviews
4.8/5
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 $1,403 per year, or $117 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$37
GEICO
$40
Allstate
$52
Mile Auto
$56
USAA
$66
Nationwide
$84
Root
$86
Mercury
$87
Progressive
$98
Dairyland
$108
Safeco
$110
Chubb
$113
National General
$123
The General
$127
Direct Auto
$127
Clearcover
$128
21st Century
$130
Bristol West
$130
Commonwealth Casualty
$133
AssuranceAmerica
$134
Elephant
$146
GAINSCO
$163
Liberty Mutual
$215
Foremost
$218
State Auto
$249
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 $232 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$69
GEICO
$75
Allstate
$97
Mile Auto
$116
USAA
$123
Mercury
$148
Nationwide
$156
Root
$166
Progressive
$171
Clearcover
$186
Safeco
$187
Chubb
$210
Elephant
$236
Direct Auto
$241
21st Century
$242
National General
$251
The General
$272
Bristol West
$276
Dairyland
$277
AssuranceAmerica
$296
Liberty Mutual
$326
GAINSCO
$348
Commonwealth Casualty
$368
State Auto
$464
Foremost
$465
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 January 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 January 13, 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 January 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 January 13, 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
▲▼
Minimum Requirements
▲▼
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:
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.
Shop for Car Insurance in Denton, TX
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4.8/5
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 $316 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$37
$47
GEICO
$40
$51
Allstate
$52
$67
Mile Auto
$56
$72
USAA
$66
$84
Nationwide
$84
$109
Root
$86
$119
Mercury
$87
$119
Progressive
$98
$125
Dairyland
$108
$138
Safeco
$110
$143
Chubb
$113
$147
National General
$123
$158
The General
$127
$167
Direct Auto
$127
$163
Clearcover
$128
$164
21st Century
$130
$172
Bristol West
$130
$168
Commonwealth Casualty
$133
$183
AssuranceAmerica
$134
$170
Elephant
$146
$181
GAINSCO
$163
$224
Liberty Mutual
$215
$296
Foremost
$218
$300
State Auto
$249
$343
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 $168 for liability-only car insurance and $333 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$37
$50
GEICO
$40
$54
Allstate
$52
$71
Mile Auto
$56
$77
USAA
$66
$90
Nationwide
$84
$115
Root
$86
$125
Mercury
$87
$126
Progressive
$98
$135
Dairyland
$108
$145
Safeco
$110
$149
Chubb
$113
$154
National General
$123
$166
The General
$127
$176
Direct Auto
$127
$176
Clearcover
$128
$187
21st Century
$130
$181
Bristol West
$130
$176
Commonwealth Casualty
$133
$177
AssuranceAmerica
$134
$176
Elephant
$146
$194
GAINSCO
$163
$211
Liberty Mutual
$215
$310
Foremost
$218
$314
State Auto
$249
$362
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 — $380 on average for full coverage and $192 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$37
$61
GEICO
$40
$66
Allstate
$52
$85
Mile Auto
$56
$92
USAA
$66
$108
Nationwide
$84
$138
Root
$86
$128
Mercury
$87
$133
Progressive
$98
$161
Dairyland
$108
$177
Safeco
$110
$169
Chubb
$113
$185
National General
$123
$202
The General
$127
$208
Direct Auto
$127
$208
Clearcover
$128
$210
21st Century
$130
$213
Bristol West
$130
$213
Commonwealth Casualty
$133
$218
AssuranceAmerica
$134
$220
Elephant
$146
$240
GAINSCO
$163
$267
Liberty Mutual
$215
$353
Foremost
$218
$358
State Auto
$249
$409
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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$52
$28
GEICO
$58
$31
Allstate
$76
$41
Mile Auto
$85
$41
USAA
$96
$51
Nationwide
$113
$61
Mercury
$115
$68
Progressive
$120
$69
Root
$137
$71
Chubb
$149
$80
Safeco
$157
$92
Clearcover
$158
$109
21st Century
$176
$95
Direct Auto
$182
$96
Elephant
$185
$114
National General
$186
$91
The General
$213
$100
Bristol West
$216
$102
Dairyland
$216
$84
AssuranceAmerica
$219
$99
Liberty Mutual
$265
$175
GAINSCO
$284
$133
Commonwealth Casualty
$287
$104
State Auto
$340
$183
Foremost
$363
$170
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 $220 per month for liability-only coverage and $436 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$126
$68
GEICO
$128
$68
Allstate
$184
$99
USAA
$219
$118
Mile Auto
$236
$114
Root
$263
$136
Mercury
$274
$161
Nationwide
$290
$156
Progressive
$315
$181
Clearcover
$352
$242
Safeco
$372
$219
Elephant
$407
$252
Chubb
$427
$230
21st Century
$436
$234
The General
$458
$214
Direct Auto
$465
$245
Dairyland
$469
$183
Bristol West
$491
$231
National General
$519
$254
AssuranceAmerica
$570
$258
Liberty Mutual
$586
$387
GAINSCO
$631
$296
Commonwealth Casualty
$669
$242
State Auto
$871
$468
Foremost
$873
$409
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.
Find Car Insurance in Denton, Texas
Rates start as low as $37/mo. for liability coverage
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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]
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 $174 per month is higher than the national average of $152 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 $237 per month.
Below, you can see average quotes in other Texas cities and how they compare to Denton.
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 $174 per month. The average rate for liability-only coverage is $117, and the average rate for full coverage is $232 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 $37 for liability coverage. GEICO and Allstate are also cheap options, with monthly liability rates of $40 and $52, 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.
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.
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
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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