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.
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
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: Insurify’s expert insurance writers and editors operate independently of our insurance partners. As an independent agent and insurance comparison website, we make money through commissions from insurers. But that does not influence any editorial content, including reviews. Learn more.
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 $178 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 $229 per month for full-coverage insurance.
Texas is an at-fault state, which means the driver who’s at fault in an accident must cover damages through their insurance.
Texas car insurance companies can check a driver’s credit history when determining their rates.
Find Car Insurance in Denton, Texas
Check quotes from 70+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Best 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, gender, 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 make a great spot to start your search.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$62/mo
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 offering
May not be the cheapest choice for drivers with violations
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$68/mo
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
Unwilling to work with clients. Especially senior citizens on a fixed income.
Janina - September 10, 2023
Verified
Awesome customer service, good prices, easy to deal with.
Kathleen - September 9, 2023
Verified
Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$88/mo
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
Handled a claim ok, but they keep raising my price every 6 months.
If you cause an accident, liability insurance covers the other driver’s medical bills and car repairs. Your liability coverage won’t cover your own medical expenses or repairs, however.
Denton drivers pay an average of $1,401 per year 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, November 30 at 11:00 AM PST.
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
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 averages $237 per month for male drivers and $222 for women. 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, November 30 at 11:00 AM PST.
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.
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 and $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 coverage kicks in to cover the cost of repairs to your own vehicle.
Comprehensive coverage
If a non-collision event causes damage to your car, comprehensive coverage kicks in to cover 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 car insurance will kick in.
Cheapest car insurance for drivers with an incident
You’ll pay more, on average, for car insurance if you have an incident on your record. Such 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
Check quotes from 70+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket
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 see average monthly rates of $312 for full coverage and $159 for liability-only insurance. The chart below shows the most affordable insurers for drivers with a speeding ticket on their record.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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
Having an at-fault accident on your driving record will often lead to 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 $171 for liability-only car insurance and $334 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, November 30 at 11:00 AM PST.
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
A DUI is one of the most severe incidents you can have on your driving record. If you’re cited for DUI, it will 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 motor vehicle records can see their monthly rates increase substantially — $380 on average for full coverage and $194 for liability. Here are the cheapest car insurance companies in Denton for drivers with a DUI in their driving history.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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
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 the age of 75. 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 $121. Here are the cheapest car insurance companies in Denton for senior drivers.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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
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. In fact, recent 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 $200 per month for liability-only coverage and $392 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, November 30 at 11:00 AM PST.
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.
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.
Find Car Insurance in Denton, Texas
Rates start as low as $38 for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Denton car insurance quotes by credit tier
Texas state law allows car insurance companies to take your credit score into consideration when determining your car insurance rates. However, 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 $173 is higher than the national average of $139 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 the 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 $173 per month. The average rate for liability-only coverage is $117, and the average rate for full coverage is $229 per month.
Who has the cheapest car insurance rates in Denton?
Denton drivers can find the cheapest car insurance rates with State Farm, which has an average monthly rate of $38 for liability coverage. GEICO and Mile Auto are also cheap options, with average monthly liability rates of $41 and $48, 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 of 4.4, 4.2, and 4.1, respectively. In addition, each has been recognized for its 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. However, you can choose to carry coverage that exceeds those minimums if you wish.
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.
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.
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.
State Farm
GEICO
Allstate
