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Cheap Auto Insurance Quotes in Denton, TX, for September 2022

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Jamie Vassar

By: Jamie Vassar

Edited by Danny Smith

Updated September 15, 2022

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

Progressive
$127
Travelers
$181
State Auto
$209
Nationwide
$217
Liberty Mutual
$242

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Cheap Car Insurance Texas

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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: actual quotes may vary based on the policyholder's unique driver profile.

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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[2]. 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: actual quotes may vary based on the policyholder'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[3]. 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: actual quotes may vary based on the policyholder'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

  • 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.

  • 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.

  • 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

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates 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. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Jamie Vassar
Jamie Vassar
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Insurance 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.

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Sources

  1. Texas Department of Insurance. "Automobile insurance guide." Accessed July 30, 2022
  2. Texas Department of Insurance. "Automobile insurance guide." Accessed July 30, 2022
  3. Texas Department of Insurance. "How your credit score can affect your insurance rates." Accessed July 30, 2022