Cheap Auto Insurance Quotes in Denton, TX, for 2023

Save up to $717 by comparing quotes from the top 70+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

Table of contents

Table of contents

Quick Facts

  • The average cost of car insurance in Denton is $232 per month or $2,784 annually.

  • Car insurance in Denton is $38 less than the average cost of insurance in Texas.

  • The cheapest car insurance provider in Denton on average is Progressive.

Car Insurance in Denton, TX

Car insurance coverage in Denton costs around $232 per month or $2,784 per year. However, your rates will differ depending on your driver profile. Insurify can help drivers compare car insurance quotes that align with their driving history to ensure the best plan for any budget.

Quotes by Top Companies

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.

See More:

Cheap Car Insurance Texas

Compare Car Insurance

Cheapest Car Insurance in Denton, TX

What is the cheapest car insurance in Denton?

Progressive is the cheapest car insurance provider on average in Denton, with rates starting at $127 per month. It’s still important to compare car insurance rates, as everyone’s insurance needs are unique.

Although the cheapest car insurance provider in Denton on average is Progressive, you should always compare quotes to find your best personal rate. This is because rates can vary due to the age and gender of the driver and their driving history and credit tier.

Insurance CompanyAverage Monthly Quote
Progressive$127
Travelers$181
State Auto$209
Nationwide$217
Liberty Mutual$242
Mile Auto$145
Clearcover$152
Apparent$153
Elephant$162
Safeco$177
Foremost$181
Direct Auto$192
Kemper Preferred$199
SafeAuto$202
Kemper Specialty$212
Kemper$214
Bristol West$216
Mercury$219
Commonwealth Casualty$224
Midvale Home & Auto$226
Stillwater$232
AssuranceAmerica$234
Acuity$244
Dairyland$250
Aggressive$257
GAINSCO$259
Texas Ranger$266
Pronto$267
Infinity$269
Alinsco$272
Jupiter$275
Aspen$296
The General$298
Quantum$314
Freedom National$334
Hallmark$430
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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas[1] are:

  • $30,000 per person for bodily injury

  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Denton Car Insurance Rates by Driving and Accident History

When calculating quotes for potential customers, car insurance companies often look at driving records to determine how risky insuring them may be[1]. Essentially, this means that the riskier the behavior on a driver’s record, the higher the rate. For example, a Denton driver with a clean record pays close to $100 less than drivers with recorded speeding tickets or accidents.

Driver HistoryAverage Monthly Cost
Clean Record$218
Speeding Ticket$292
At-Fault Accident$318
DUI$434
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.

See More:

High-Risk Car Insurance Texas

DUI Car Insurance Texas

Denton Car Insurance Rates by Credit Tier

A driver’s credit score is another way insurance agencies gauge risk in potential customers[2]. If a driver’s credit is low, it could mean they could practice riskier behavior more regularly. So companies try to reward responsible behavior by providing lower monthly rates.

Credit TierAverage Monthly Cost
Excellent$189
Good$224
Average$246
Poor$381
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.

How to Get the Cheapest Car Insurance in Denton

Although many factors like gender, age, and vehicle type can affect rates significantly, safe driving is an effective way to keep insurance rates affordable in Denton. It’s one of the fastest ways to lower the likelihood of risk factors affecting your quotes. Discounts, such as bundling auto insurance with renters insurance or homeowners insurance, can save you hundreds.

Don’t waste time on the phone with insurance agents, repeatedly answering the same unhelpful questions. Get instant access to real and personalized quotes, and buy the cheapest car insurance policy online with Insurify. Insurify makes comparing car insurance companies easy, finding you the best rates and the most customized discounts and coverage options.

Frequently Asked Questions

  • How do I find cheap car insurance in Denton, TX?

    The cheapest car insurance provider in Denton is Progressive, though it’s always wise to compare multiple quotes before committing to a policy. With Insurify, every driver confidently decides on plans to fit their specific needs with our network of over 200 insurance companies throughout the country.

  • How much does car insurance cost in Denton, TX?

    Car insurance coverage in Denton costs around $232 per month or $2,782 per year on average, but your individual premium will depend on your driver profile. Insurify can help drivers compare multiple quotes to ensure the best plan for any budget.

  • What drives up car insurance rates in Denton, TX?

    Risk factors like accidents or a history of impaired driving are going to drive up car insurance rates the most. For example, a Denton driver who has a DUI on their driving profile will pay much more per month than a driver with a clean record.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Related articles

More cities in Texas

Popular cities

Sources

  1. Texas Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  2. Texas Department of Insurance. "How your credit score can affect your insurance rates." Accessed July 30, 2022
Jamie Vassar
Jamie VassarInsurance Writer

Jamie Vassar is a personal finance writer currently based out of the Midwest. After years in the customer service and support world, she now hopes to use her degree from the University of Nebraska, Omaha, to better help readers understand their insurance policies and matters of personal finance. Connect with Jamie on LinkedIn.

Learn More
Danny Smith
Edited byDanny SmithInsurance Writer
Photo of an Insurify author
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.
Learn more

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

What Is a Car Insurance Premium?

What Is a Car Insurance Premium?

A car insurance premium is the amount you pay to keep your coverage. Learn more about what factors influence your premium in our guide.

7 min. read|April 20, 2023
What Are the Best Cars for Senior Drivers?

What Are the Best Cars for Senior Drivers?

Toyota Camry, Acura Integra, and Honda CR-V are among the best cars for senior drivers. Learn more about safe and affordable vehicle options.

11 min. read|April 6, 2023
How Much Is a Speeding Ticket?

How Much Is a Speeding Ticket?

The cost of a speeding ticket depends on where you receive the citation. Learn how to discover the cost and how a speeding ticket affects car insurance.

5 min. read|March 24, 2023
Is It Illegal to Drive Barefoot and How Safe Is It?

Is It Illegal to Drive Barefoot and How Safe Is It?

Driving barefoot isn’t illegal in any state. But you could still get in trouble if the police or your insurer decides your shoeless driving caused an accident.

4 min. read|March 24, 2023
What Are the Best Cars for Teens to Drive?

What Are the Best Cars for Teens to Drive?

The Honda Civic Sedan, Honda HR-V, and Subaru Outback are among the best cars for teens hitting the road for the first time. Learn more about safe options for your teen driver.

8 min. read|March 17, 2023
Can You Get Six-Month Car Insurance Coverage?

Can You Get Six-Month Car Insurance Coverage?

Many insurers offer six-month car insurance policies. Learn if this option is right for you.

5 min. read|March 17, 2023