Cheapest Auto Insurance in Denton, Texas (2024)

State Farm offers the cheapest car insurance in Denton, with minimum-coverage policies as low as $38 per month.

A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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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Updated May 23, 2024

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Cheapest recent rates near Denton, Texas

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $59/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 May 23, 2024

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 May 23, 2024. 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 May 23, 2024

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 May 23, 2024. 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 $187 per month for car insurance, which is comparable to the Texas state average of $185 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 $115 per month for liability-only coverage and $259 per month for full-coverage insurance.

  • State Farm is the cheapest full-coverage car insurance company in Denton, with rates starting at $65 per month.

  • Car insurance for teen drivers in Denton costs an average of $321 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 CompanyIQ Score
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.
Full CoverageLiability OnlyBest For
State Farm4.6$64$38Cheap rates
GEICO4.4$69$42Teen drivers
Allstate4.4$90$54Drivers 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
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.
4.6
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.
$65/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

  • May not be the cheapest choice for drivers with violations

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for teen drivers: GEICO

Compare personalized, real-time quotes
IQ Score
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.
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.
$42/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.
$70/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

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

Best insurer for drivers with DUIs: Allstate

Compare personalized, real-time quotes
IQ Score
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.
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.
$55/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.
$91/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

Read our Allstate review
Roberta - May 22, 2024
Verified

Good

Allstate is good, however, I was looking for cheaper insurance.

Mikayla - May 22, 2024
Verified

Allstate's Higher Renewal Prices

They are an insurance company like the rest of them. Just like other insurance providers, they offer lower rates to attract your business. However, as always, when it's time for renewal, the prices just get higher, regardless of your driving record.

Wilford - May 21, 2024
Verified

Disappointed

It's expensive, but the same as all others.

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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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 $1,382 per year, or $115 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm38
GEICO42
Allstate55
Mile Auto55
Hugo57
USAA69
Safeco82
Nationwide87
Mercury91
Midvale Home & Auto99
Progressive99
Dairyland105
Clearcover112
Chubb117
National General122
Liberty Mutual127
Elephant129
Direct Auto133
21st Century135
Commonwealth Casualty136
The General144
GAINSCO156
Bristol West161
State Auto180
AssuranceAmerica181
Infinity193
Hallmark214
Foremost220
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 $259 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm65
GEICO70
Allstate91
Mile Auto113
USAA114
Clearcover144
Hugo146
Mercury146
Nationwide165
Safeco172
Progressive174
Midvale Home & Auto177
Chubb195
Elephant216
21st Century225
AssuranceAmerica241
Liberty Mutual266
Direct Auto270
National General270
Dairyland272
Infinity301
The General301
Bristol West320
State Auto326
GAINSCO340
Commonwealth Casualty356
Foremost451
Hallmark466
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.

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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you cause an accident, collision insurance covers the cost of repairs to your own vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision event causes damage to your car, comprehensive insurance covers the cost of repairs.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

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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 $371 for full coverage and $165 for liability-only insurance. The table below shows the cheapest insurers after a speeding ticket.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm3849
GEICO4255
Allstate5571
Mile Auto5577
Hugo5778
USAA6989
Safeco82108
Nationwide87114
Mercury91127
Midvale Home & Auto99133
Progressive99129
Dairyland105137
Clearcover112147
Chubb117154
National General122175
Liberty Mutual127182
Elephant129185
Direct Auto133174
21st Century135180
Commonwealth Casualty136195
The General144189
GAINSCO156223
Bristol West161207
State Auto180254
AssuranceAmerica181240
Infinity193260
Hallmark214278
Foremost220315
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 $176 for liability-only car insurance and $396 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, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm3852
GEICO4258
Allstate5576
Mile Auto5583
Hugo5776
USAA6995
Safeco82110
Nationwide87121
Mercury91133
Midvale Home & Auto99144
Progressive99139
Dairyland105145
Clearcover112164
Chubb117162
National General122168
Liberty Mutual127191
Elephant129175
Direct Auto133188
21st Century135190
Commonwealth Casualty136185
The General144203
GAINSCO156209
Bristol West161219
State Auto180273
AssuranceAmerica181251
Infinity193263
Hallmark214287
Foremost220331
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 — $448 on average for full coverage and $199 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm3865
GEICO4272
Allstate5594
Mile Auto5585
Hugo5797
USAA69118
Safeco82140
Nationwide87148
Mercury91140
Midvale Home & Auto99169
Progressive99169
Dairyland105179
Clearcover112191
Chubb117199
National General122208
Liberty Mutual127216
Elephant129220
Direct Auto133227
21st Century135230
Commonwealth Casualty136232
The General144245
GAINSCO156266
Bristol West161274
State Auto180307
AssuranceAmerica181308
Infinity193329
Hallmark214365
Foremost220375
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 $135. Here are the cheapest car insurance companies in Denton for senior drivers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm4727
GEICO5231
Allstate6841
Mile Auto8039
USAA8551
Hugo9638
Mercury10264
Clearcover10783
Nationwide11560
Progressive11666
Midvale Home & Auto12570
Safeco12962
Chubb13380
21st Century15794
Elephant15995
AssuranceAmerica170128
Direct Auto19395
Liberty Mutual19693
National General20291
Dairyland20379
Infinity211135
The General231110
State Auto234129
Bristol West239120
GAINSCO259119
Commonwealth Casualty263100
Foremost328160
Hallmark330152
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 $197 per month for liability-only coverage and $445 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, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO10764
State Farm10763
Allstate15594
USAA184112
Mile Auto214104
Hugo24997
Mercury259162
Clearcover274213
Nationwide275145
Midvale Home & Auto301168
Progressive307175
Elephant348208
Chubb350210
Safeco352168
21st Century365219
AssuranceAmerica437328
Dairyland445172
The General475227
Direct Auto481237
Liberty Mutual484231
National General492222
Bristol West531267
Infinity538345
State Auto563311
GAINSCO594273
Commonwealth Casualty616235
Foremost779380
Hallmark808371
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 $38/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]

As the chart below shows, Denton drivers with excellent or good credit scores pay lower car insurance rates on average compared to drivers with poor credit scores.

Rates by Credit Tier

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 $187 per month is higher than the national average of $160 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 $251 per month.

Below, you can see average quotes in other Texas cities and how they compare to Denton.

CityFull CoverageLiability Only
Arlington$254$126
Austin$240$128
Dallas$284$137
El Paso$219$93
Fort Worth$245$123
Houston$320$170
Irving$272$132
Plano$244$124
San Antonio$246$125
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 $187 per month. The average rate for liability-only coverage is $115, and the average rate for full coverage is $259 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 $38 for liability coverage. GEICO and Allstate are also cheap options, with monthly liability rates of $42 and $55, 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.

Sources

  1. Texas Department of Insurance. "Shopping for auto insurance: What to know before you buy a policy."
  2. NOLO. "Texas's Speeding Laws."
  3. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  4. CDC. "Teen Drivers and Passengers: Get the Facts."
  5. Texas Department of Insurance. "Credit Scoring and Insurance."
A.M. Steinbach
A.M. SteinbachInsurance Writer

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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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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