120+ more*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on March 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on March 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
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.
Auto insurance in Texas can cost more than the national average due to higher weather risks, heavy traffic in large metro areas, and more expensive repairs.[1]
When comparing car insurance quotes across the Lone Star State, you’ll likely see a big price difference between liability-only and full coverage (which includes comprehensive and collision for your vehicle).
We analyzed rates from 120+ auto insurance companies to find cheap car insurance in Texas for each coverage level and driver type.
Driver Category | Cheapest Insurance Company in Texas | Cheapest Monthly Quote in TX |
|---|---|---|
| Overall | State Farm | $57 |
| State minimum coverage | State Farm | $57 |
| Full coverage | State Farm | $101 |
| Drivers with a clean record | State Farm | $57 |
| After a speeding ticket | State Farm | $72 |
| After an at-fault accident | State Farm | $75 |
| After a DUI | State Farm | $81 |
| Teens | State Farm | $115 |
| Seniors | State Farm | $44 |
| Bad credit | State Farm | $82 |
Liability-only insurance in Texas covers bodily harm and property damage to others if you cause a crash, but it won’t pay for damages to your car. Many drivers choose state minimum limits to get cheap Texas car insurance, though lower limits mean less protection.
The average cost of liability-only coverage is $117 per month, with State Farm offering the lowest rates in Texas. Below you’ll find quotes for cheap liability car insurance in Texas.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $57 |
| Mile Auto | $74 |
| Allstate | $81 |
| Progressive | $82 |
| GEICO | $94 |
| USAA | $102 |
| Mercury | $111 |
| First Acceptance | $115 |
| Alinsco | $117 |
| Lone Star | $117 |
| Freedom National | $120 |
| Dairyland | $120 |
| Root | $122 |
| Commonwealth Casualty | $122 |
| The General | $123 |
| Bristol West | $125 |
| GAINSCO | $126 |
| Mendota | $126 |
| Covercube | $129 |
| Nationwide | $129 |
| AssuranceAmerica | $135 |
| Clearcover | $136 |
| Excepsure | $138 |
| Sun Coast | $138 |
| Safeco | $141 |
| National General | $145 |
| Direct Auto | $146 |
| Loop | $147 |
| Elephant | $150 |
| Trexis One | $160 |
| Hugo | $173 |
| Chubb | $174 |
| Insurify Car | $195 |
| 21st Century | $201 |
| Liberty Mutual | $262 |
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Mallory Mooney
Director of Sales and Service
Liability-only insurance in Texas keeps you legal on the road. But it usually isn’t enough to protect you financially if you’re at fault in an accident and cause significant damages. Consider buying higher liability amounts for more protection.
Full-coverage insurance in Texas includes liability, collision, and comprehensive coverage. That means your policy will protect your vehicle in an accident or in non-collision events, such as theft, vandalism, or natural disasters.
The average cost of full coverage is $208 per month in Texas, and you can find the cheapest rates with State Farm. Below are quotes for cheap full-coverage car insurance in Texas.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $101 |
| Allstate | $143 |
| Progressive | $155 |
| Mile Auto | $158 |
| Mercury | $171 |
| USAA | $180 |
| GEICO | $181 |
| Root | $210 |
| Safeco | $216 |
| Clearcover | $221 |
| Direct Auto | $222 |
| Nationwide | $227 |
| Alinsco | $235 |
| Elephant | $237 |
| The General | $239 |
| National General | $248 |
| Bristol West | $250 |
| GAINSCO | $253 |
| Mendota | $258 |
| Sun Coast | $262 |
| First Acceptance | $273 |
| AssuranceAmerica | $273 |
| Loop | $277 |
| Commonwealth Casualty | $286 |
| Lone Star | $290 |
| Covercube | $305 |
| Chubb | $306 |
| Freedom National | $312 |
| Dairyland | $321 |
| Trexis One | $333 |
| Liberty Mutual | $341 |
| 21st Century | $354 |
*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on March 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on March 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Some Texas drivers may be looking to buy temporary car insurance coverage. The shortest policy you can buy is usually for six months, with a monthly payment schedule. But if you don’t need long-term insurance, or can’t afford large payments, weekly payments could be an option.
Insurify Car offers liability-only car insurance that lets you pay for coverage one week at a time, rather than committing to large monthly payments. You can buy your coverage, get immediate proof of insurance, pay weekly, and cancel whenever you want.
Plenty of national car insurance companies sell coverage in Kentucky. But you can often find competitive rates and great coverage from smaller, regional insurers as well as big companies.
State Farm is both the biggest insurer in the country and the largest in Kentucky. But Kentucky Farm Bureau, which only sells policies in the Bluegrass State, is the second-largest.
The best car insurance companies in Kentucky provide affordable coverage despite the state’s higher-than-average premiums. These insurers also offer a variety of auto policies and strong financial strength ratings.
Here are our top picks for car insurance in Kentucky.
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $57/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. | $101/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm provides some of the cheapest car insurance in Texas to meet the state’s minimum 30/60/25 legal requirement to drive. Texas drivers can also lower costs through safe-driving discounts and bundling. State Farm has a large network of insurance agents in Texas to help you manage your policy.
Competitive pricing for Texas minimum liability policies
Several car insurance discounts available
Above-average J.D. Power customer satisfaction rating in Texas
Not as many discounts as some Texas insurers
No accident forgiveness
More complaints than expected reported to the National Association of Insurance Commissioners (NAIC)
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| 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. | $81/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. | $143/mo |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Along with competitive pricing for teen drivers, Allstate offers a good student discount for Texas high school students who maintain a B- average or higher. Its Drivewise telematics program rewards safe driving and tracks behaviors like hard braking, speeding, and phone use, so families can monitor how teens drive on Texas roads.
Student discount and lower-than-average premiums for Texas teens
Fewer complaints than expected reported to the NAIC
24/7 customer service
May not have the cheapest rates in Texas
Below-average J.D. Power customer satisfaction rating in Texas
Below-average J.D. Power claims satisfaction rating
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| 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. | $82/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. | $155/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive insures many Texas drivers after a DWI, often at lower rates than competing auto insurance companies. The insurer files the required SR-22 forms with the state of Texas on your behalf to prove financial responsibility. You may also lower your premium after a violation by enrolling in Snapshot Rewards, Progressive’s usage-based program that tracks your driving habits.
Affordable rates for Texas drivers with a DWI
Fewer complaints than expected reported to the NAIC
Highly rated mobile apps
Snapshot could increase rates if it records risky driving
Below-average J.D. Power customer satisfaction rating in Texas
Below-average J.D. Power claims satisfaction rating
Auto insurance costs in Texas climbed sharply in 2024 due to factors like weather events, increased car accidents, and higher repair costs, according to the Office of Public Insurance Counsel.
Rates stabilized in 2025, with the average car insurance premium in Texas reaching about $2,470 per year, according to Insurify’s car insurance report. Insurify projects that this trend will continue, with only a slight 0.3% increase, bringing annual premiums to $2,477 by the end of 2026.
“One sneaky weather factor is hail, which leads to costly repairs for car exteriors and puts upward pressure on full-coverage rates,” says Matt Brannon, senior economic analyst at Insurify. “Texas has led the nation in hail events in recent years, and the average hail claim is about 22% more expensive than the average comprehensive claim.”
The chart below shows how average Texas car insurance costs have changed over the past five years.
Liability rates start at $57/mo.
Texas law requires drivers to have a minimum amount of liability insurance — often called 30/60/25 coverage — to legally drive in the state.[2] Liability coverage pays for the other driver’s injuries and property damage if you cause an accident.
Texas car insurance requirements include these property damage and bodily injury liability coverage limits:
Coverage Type | Texas Requirement |
|---|---|
| Bodily injury | $30,000 per person/$60,000 per accident |
| Property damage | $25,000 |
Texas uses TexasSure, an electronic verification system that checks whether registered vehicles carry active insurance.[3] You must show proof of coverage during traffic stops and when you register or renew your vehicle.
Insurers legally must offer personal injury protection and uninsured/underinsured motorist coverage in Texas when selling you a policy, but you can decline it in writing.
If you do get into an accident, Texas is an at-fault state, which means claims go through the at-fault driver’s insurance.[4]
Insurance costs can vary widely across Texas cities. For example, drivers living in El Paso or Grapevine may pay much lower premiums than drivers in Houston or Dallas.
You can compare affordable car insurance in Texas across multiple cities below.
City | Average Monthly Quote |
|---|---|
| Abilene | $133 |
| Amarillo | $155 |
| Arlington | $171 |
| Austin | $169 |
| Beaumont | $174 |
| Brownsville | $161 |
| Corpus Christi | $167 |
| Dallas | $187 |
| Denton | $157 |
| El Paso | $147 |
| Fort Worth | $165 |
| Galveston | $163 |
| Garland | $183 |
| Grand Prairie | $177 |
| Houston | $220 |
| Huntsville | $150 |
| Irving | $175 |
| Killeen | $150 |
| Laredo | $164 |
| Lubbock | $157 |
| McAllen | $177 |
| Mesquite | $189 |
| Midland | $155 |
| Odessa | $166 |
| Plano | $166 |
| San Antonio | $173 |
| San Marcos | $164 |
People in Texas with a good driving and credit history pay some of the lowest insurance rates, with an average monthly cost of $117. Below are the cheapest car insurance quotes for Texas drivers with a clean driving record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $55 |
| Mile Auto | $72 |
| Allstate | $80 |
| Progressive | $83 |
| GEICO | $93 |
| USAA | $99 |
| Mercury | $110 |
| Commonwealth Casualty | $112 |
| Dairyland | $114 |
| First Acceptance | $117 |
| The General | $118 |
| Alinsco | $119 |
| Lone Star | $119 |
| AssuranceAmerica | $120 |
| GAINSCO | $121 |
| Freedom National | $122 |
| Bristol West | $122 |
| Nationwide | $122 |
| Root | $123 |
| Mendota | $128 |
| Covercube | $131 |
| National General | $134 |
| Excepsure | $140 |
| Sun Coast | $140 |
| Direct Auto | $141 |
| Clearcover | $141 |
| Elephant | $146 |
| Loop | $149 |
| Safeco | $152 |
| Chubb | $162 |
| Trexis One | $163 |
| Hugo | $176 |
| 21st Century | $196 |
| Insurify Car | $198 |
| Liberty Mutual | $276 |
In Texas, an officer can issue a ticket even at the posted speed limit if weather or traffic conditions make driving unsafe. Insurers usually raise rates after a speeding ticket, charging an average monthly premium of $146.
The table below shows the lowest car insurance rates in Texas for ticketed drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $72 |
| Mile Auto | $90 |
| Progressive | $102 |
| Allstate | $105 |
| GEICO | $123 |
| USAA | $132 |
| First Acceptance | $143 |
| Commonwealth Casualty | $143 |
| Alinsco | $146 |
| Lone Star | $146 |
| GAINSCO | $150 |
| Freedom National | $150 |
| Dairyland | $150 |
| Mercury | $155 |
| Mendota | $157 |
| Bristol West | $157 |
| Covercube | $161 |
| Root | $162 |
| The General | $164 |
| Nationwide | $167 |
| AssuranceAmerica | $171 |
| Excepsure | $172 |
| Sun Coast | $172 |
| Clearcover | $175 |
| Elephant | $179 |
| National General | $180 |
| Direct Auto | $182 |
| Loop | $183 |
| Safeco | $185 |
| Trexis One | $199 |
| Hugo | $221 |
| Chubb | $221 |
| Insurify Car | $243 |
| 21st Century | $264 |
| Liberty Mutual | $332 |
Texas car accident laws require drivers to report crashes involving injury, death, or significant property damage to law enforcement. If you cause an accident, it could show up on your record and affect your insurance costs.
Texas drivers pay an average monthly liability rate of $154 after an accident. The table below shows quotes for some of the most affordable car insurance in Texas for drivers with an at-fault accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $75 |
| Mile Auto | $99 |
| Progressive | $108 |
| Allstate | $108 |
| GEICO | $122 |
| USAA | $136 |
| First Acceptance | $151 |
| Alinsco | $154 |
| Lone Star | $154 |
| Freedom National | $158 |
| Dairyland | $159 |
| Commonwealth Casualty | $160 |
| GAINSCO | $161 |
| Root | $163 |
| Bristol West | $164 |
| Mendota | $166 |
| Mercury | $167 |
| Covercube | $169 |
| The General | $169 |
| Nationwide | $173 |
| AssuranceAmerica | $179 |
| Excepsure | $181 |
| Sun Coast | $181 |
| National General | $192 |
| Loop | $193 |
| Elephant | $195 |
| Safeco | $197 |
| Direct Auto | $198 |
| Clearcover | $198 |
| Trexis One | $210 |
| Hugo | $219 |
| Chubb | $230 |
| Insurify Car | $256 |
| 21st Century | $272 |
| Liberty Mutual | $347 |
Texas treats driving under the influence (DUI) and driving while intoxicated (DWI) differently — drivers younger than 21 can face a DUI for any detectable alcohol, while adults typically face DWI charges. Both violations can sharply increase premiums, averaging $160 per month for a liability policy.
This rate data shows the cheapest car insurance quotes for Texas drivers with a DUI.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| Mile Auto | $106 |
| Progressive | $112 |
| Allstate | $116 |
| GEICO | $133 |
| USAA | $146 |
| First Acceptance | $158 |
| Alinsco | $160 |
| Lone Star | $160 |
| Freedom National | $165 |
| Mercury | $165 |
| Dairyland | $171 |
| Mendota | $173 |
| Commonwealth Casualty | $174 |
| Root | $175 |
| The General | $176 |
| Covercube | $177 |
| Bristol West | $179 |
| GAINSCO | $180 |
| Nationwide | $184 |
| Excepsure | $189 |
| Sun Coast | $189 |
| AssuranceAmerica | $193 |
| Clearcover | $194 |
| Loop | $202 |
| National General | $207 |
| Direct Auto | $209 |
| Elephant | $214 |
| Safeco | $214 |
| Trexis One | $219 |
| Hugo | $247 |
| Chubb | $249 |
| Insurify Car | $267 |
| 21st Century | $270 |
| Liberty Mutual | $374 |
Under the Safety Responsibility Act, you may need to submit an SR-22 form to the state of Texas to prove financial responsibility after certain violations.[5] Insurers often increase premiums for drivers who file an SR-22 because they view them as higher risk.
Below are some of the cheapest companies offering SR-22 insurance in Texas, with State Farm offering the lowest rates.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $63 |
| Mile Auto | $82 |
| Allstate | $89 |
| Progressive | $90 |
| GEICO | $104 |
| USAA | $112 |
| Mercury | $122 |
| First Acceptance | $127 |
| Alinsco | $129 |
| Lone Star | $129 |
| Freedom National | $132 |
| Dairyland | $132 |
| Root | $134 |
| Commonwealth Casualty | $134 |
| The General | $136 |
| Bristol West | $138 |
| GAINSCO | $139 |
| Mendota | $139 |
| Covercube | $142 |
| Nationwide | $142 |
| AssuranceAmerica | $149 |
| Clearcover | $150 |
| Excepsure | $152 |
| Sun Coast | $152 |
| Safeco | $155 |
| National General | $160 |
| Direct Auto | $161 |
| Loop | $162 |
| Elephant | $165 |
| Trexis One | $176 |
| Hugo | $191 |
| Chubb | $192 |
| Insurify Car | $215 |
| 21st Century | $222 |
| Liberty Mutual | $289 |
Liability rates for high-risk drivers average $129 per month
Teen drivers in Texas can get their learner’s permit at 15, then their Texas driver’s license at 16. But they have restrictions on nighttime driving and passenger limits until age 18.[6]
The average insurance cost for teen drivers is $231 per month because they’re at a higher risk of accidents. You can find the cheapest rates for teen car insurance in Texas below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $115 |
| Mile Auto | $158 |
| Progressive | $162 |
| Allstate | $167 |
| GEICO | $175 |
| USAA | $197 |
| Mercury | $214 |
| Dairyland | $215 |
| Root | $220 |
| The General | $225 |
| First Acceptance | $227 |
| Alinsco | $231 |
| Lone Star | $231 |
| Bristol West | $233 |
| Clearcover | $235 |
| Commonwealth Casualty | $236 |
| Freedom National | $237 |
| GAINSCO | $240 |
| Mendota | $248 |
| Covercube | $254 |
| Nationwide | $263 |
| Excepsure | $272 |
| Sun Coast | $272 |
| Elephant | $277 |
| Loop | $290 |
| AssuranceAmerica | $291 |
| Direct Auto | $292 |
| Safeco | $295 |
| Hugo | $297 |
| National General | $305 |
| Trexis One | $316 |
| Chubb | $374 |
| 21st Century | $378 |
| Insurify Car | $385 |
| Liberty Mutual | $482 |
Texas seniors may see lower insurance rates because they often have more experience driving. On average, Texas drivers in their 60s pay $100 per month for auto insurance.
The following data shows the most affordable quotes for senior drivers in Texas.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $44 |
| Mile Auto | $58 |
| Allstate | $65 |
| Progressive | $70 |
| GEICO | $74 |
| USAA | $82 |
| Mercury | $88 |
| First Acceptance | $98 |
| Commonwealth Casualty | $98 |
| Nationwide | $98 |
| Alinsco | $100 |
| Lone Star | $100 |
| Dairyland | $101 |
| Root | $101 |
| Freedom National | $102 |
| The General | $103 |
| Bristol West | $103 |
| AssuranceAmerica | $105 |
| GAINSCO | $106 |
| Mendota | $107 |
| Covercube | $110 |
| National General | $113 |
| Excepsure | $117 |
| Sun Coast | $117 |
| Direct Auto | $117 |
| Clearcover | $119 |
| Safeco | $122 |
| Elephant | $123 |
| Loop | $125 |
| Chubb | $130 |
| Trexis One | $136 |
| Hugo | $148 |
| 21st Century | $157 |
| Insurify Car | $166 |
| Liberty Mutual | $217 |
Companies can use your insurance-based credit score to determine your eligibility and premiums — but it can’t be the only factor they use, according to Texas law.[7] While your credit history can affect your insurance rates, you may find lower premiums with State Farm.
Below are the cheapest quotes for drivers with bad credit in Texas.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $82 |
| Mile Auto | $91 |
| Allstate | $100 |
| Progressive | $103 |
| GEICO | $116 |
| USAA | $125 |
| Mercury | $136 |
| First Acceptance | $144 |
| Alinsco | $146 |
| Lone Star | $146 |
| Dairyland | $148 |
| Freedom National | $150 |
| Root | $150 |
| Commonwealth Casualty | $150 |
| The General | $151 |
| Bristol West | $154 |
| GAINSCO | $155 |
| Mendota | $158 |
| Nationwide | $159 |
| Covercube | $161 |
| AssuranceAmerica | $166 |
| Clearcover | $167 |
| Excepsure | $173 |
| Sun Coast | $173 |
| Safeco | $174 |
| National General | $179 |
| Direct Auto | $180 |
| Loop | $184 |
| Elephant | $185 |
| Trexis One | $200 |
| Hugo | $213 |
| Insurify Car | $244 |
| 21st Century | $248 |
| Chubb | $279 |
| Liberty Mutual | $314 |
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If you’re shopping for car insurance in Texas, the additional information below can help as you research policies and coverage options.
State Farm has the cheapest car insurance in Texas, according to Insurify data, with an average monthly premium of $57.
Progressive is cheaper in Texas, though the insurers have similar costs. Progressive’s monthly liability rate averages $82, and a liability policy with GEICO averages $94 per month.
Texas requires drivers to meet these minimum insurance requirements: $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident, and $25,000 in property damage coverage per accident.
Your credit history can affect your car insurance in the Lone Star State. Texas insurance companies can consider your credit-based insurance score when setting rates. This score tells them how likely you are to file a claim, so if you have bad credit, you may pay higher rates.
You can do several things to lower your car insurance costs in Texas, including comparing quotes from multiple insurers, increasing your deductible amount, enrolling in a telematics program, and asking your insurer which discounts you qualify for.
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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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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