120+ more*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on June 3, 2026. 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 June 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Denton residents pay an average of $104 per month for a minimum-coverage policy and $207 per month for a full-coverage policy, according to Insurify data.
That’s less than the traffic-plagued residents of nearby Dallas, who pay average rates of $125 for liability coverage and $235 for full coverage, respectively.
Denton sits on the I-35, a popular interstate that leads into the Fort Worth and Dallas area. During rush hour, the congested commute into Dallas can take around 45 minutes to an hour. A construction project to help congestion along the I-35E/35W interchange began in 2025, but the state won’t complete it until 2029, adding risks for the time being.[1]
The high traffic increases the likelihood of an accident, which can raise rates for Denton drivers. But, on the whole, Denton residents pay about average rates for Texas car insurance compared to statewide averages.
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State Farm offers the cheapest policies in Denton, with average monthly rates of $42 for minimum coverage. State Farm offers the cheapest full-coverage policies, averaging $82 per month.
In Texas, a minimum-coverage insurance policy only offers $30,000 per person in bodily injury liability coverage (max of $60,000 per accident) and $25,000 in property damage liability coverage.[2]
But minimum coverage in Texas doesn’t protect you against accidents, theft, or vandalism, which is where a full-coverage policy comes in. If you have a lease or loan, as one-third of Denton drivers do, you’ll need to carry a full-coverage insurance policy.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $42 | $82 |
| Allstate | $60 | $117 |
| Mile Auto | $62 | $131 |
| Progressive | $64 | $120 |
| GEICO | $69 | $144 |
| USAA | $77 | $147 |
| Mercury | $85 | $135 |
| First Acceptance | $88 | $213 |
| The General | $90 | $199 |
| Alinsco | $92 | $178 |
| Lone Star | $94 | $221 |
| Freedom National | $95 | $248 |
| Nationwide | $96 | $185 |
| Commonwealth Casualty | $97 | $213 |
| Dairyland | $98 | $237 |
| GAINSCO | $99 | $188 |
| Bristol West | $101 | $192 |
| Clearcover | $101 | $173 |
| Root | $102 | $165 |
| Mendota | $104 | $202 |
| Covercube | $105 | $241 |
| AssuranceAmerica | $107 | $200 |
| Sun Coast | $113 | $223 |
| Safeco | $114 | $165 |
| Direct Auto | $115 | $178 |
| National General | $116 | $189 |
| Loop | $120 | $217 |
| Elephant | $121 | $183 |
| Chubb | $130 | $250 |
| Trexis One | $133 | $272 |
| 21st Century | $150 | $288 |
| Liberty Mutual | $184 | $263 |
The average rates that Denton drivers pay for car insurance are pretty much on par with the rest of Texas. Denton’s inland location means it’s at a lower risk for major storms, and the community enjoys a low crime rate.
Denton’s major risk factors are its location near Dallas, which increases traffic, and its universities that bring in students with less experience and increase congestion.[3]
In general, Houston residents pay the highest car insurance rates in Texas, partially due to its flood- and hurricane-prone location, which Denton doesn’t have to contend with as much. Similarly, drivers in cities like Abilene also benefit from being inland and away from storms, which helps keep prices low.
Here’s what a typical insurance quote looks like in different cities around Texas:
City | Average Monthly Quote |
|---|---|
| Abilene | $129 |
| Amarillo | $152 |
| Arlington | $166 |
| Austin | $165 |
| Beaumont | $175 |
| Brownsville | $159 |
| Corpus Christi | $165 |
| Dallas | $180 |
| Denton | $156 |
| El Paso | $139 |
| Fort Worth | $159 |
| Galveston | $163 |
| Garland | $181 |
| Grand Prairie | $171 |
| Houston | $214 |
| Huntsville | $151 |
| Irving | $170 |
| Killeen | $147 |
| Laredo | $153 |
| Lubbock | $150 |
| McAllen | $170 |
| Mesquite | $182 |
| Midland | $148 |
| Odessa | $164 |
| Plano | $160 |
| San Antonio | $167 |
| San Marcos | $158 |
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Denton drivers have a lot to contend with when they get behind the wheel. The massive Dallas-Fort Worth (DFW) metro area is just to the south, which wouldn’t be so bad, except that I-35 serves as one of the major routes for drivers leaving DFW, and it skirts right alongside Denton.
More than 55,000 college students attend schools like the University of North Texas in Denton, too.
Adding all those out-of-towners into the daily mix means a lot of drivers on Denton streets who aren’t familiar with the city. That makes it especially important to keep your head on a swivel while driving in Denton.
The city itself is actively working on a Vision Zero traffic safety plan, which it hopes to announce in 2026. So far, Denton residents have already flagged many areas of concern through the project.
Drivers report seeing people run red lights frequently and speeding along University Drive, for example. Roads near Pecan Creek Elementary School and along Highland Park Road lack suitable sidewalks in places, despite many pedestrians using them.[4]
Some people in Denton pay more for coverage based on their driving history. Around 5% of Denton residents have an at-fault accident on their driving record, 0.75% have a driving while intoxicated (DWI) conviction, and 4% have a ticket, according to Insurify data.
If you commit a traffic offense in Denton, you’ll have to pay a fine. But you can avoid conviction by taking a driving safety course or applying for a deferred disposition.[5]
A little over 40% of Denton residents rate the area’s traffic enforcement as “Good” or better, per a recent city report, meaning your chances of getting caught if you’re a risky driver are probably higher than in other parts of Texas.[6]
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $156 |
| Speeding ticket | $195 |
| At-fault accident | $208 |
| DWI | $215 |
Denton’s population skews young, which makes sense given the high concentration of college students in the town anchored by the two universities.
Texas law also allows parents to teach their teens how to drive (rather than a professional instructor). Research shows this can increase the risk of an accident.[7] All these factors mean Denton teens pay more than more experienced drivers.
Denton seniors only make up about 13% of the population, and they pay the lowest rates in the city.
Here’s how car insurance prices typically change for Denton residents of different ages, ranging from teenagers to seniors:
Age | Average Monthly Quote |
|---|---|
| Teens | $223 |
| 20s | $151 |
| 30s | $122 |
| 40s | $115 |
| 50s | $105 |
| 60s | $96 |
| 70+ | $100 |
*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on June 3, 2026. 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 June 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The best way to find low rates on a Denton auto policy is to get an insurance quote from at least three different companies. Here’s some information to keep in mind as you shop around.
The average quote for Denton drivers is $104 per month for minimum coverage and $207 per month for full coverage, Insurify data shows.
State Farm offers the lowest rates in Denton, averaging $42 per month for liability coverage.
Progressive is the cheaper insurance company for most Denton drivers, compared to GEICO. That’s not true for everyone, though, since many individual factors can affect your pricing. GEICO may even be cheaper for some drivers. The best way to find out is to get a car insurance quote from both insurance companies.
Texas car insurance requirements necessitate Denton drivers to carry a minimum policy of 30/60/25. This liability insurance includes coverage levels of $30,000 per person for bodily injury (max of $60,000 total per accident) and $25,000 for property damage.
Denton residents tend to skew on the younger side, which increases overall risk for the area, and this often means everyone pays higher rates. But that also opens opportunities for savings, given that most insurers offer various insurance discounts for teen and student drivers.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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.
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