Cheapest Full-Coverage Car Insurance in Texas
Texas drivers can find the cheapest full-coverage car insurance from State Farm, with rates averaging $85 per month.
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Full-coverage car insurance usually costs more than minimum coverage, and that holds true in Texas, where the average cost of full coverage is $205 per month. But Texas drivers looking for cheap full coverage can find below-average rates from insurers like State Farm, Progressive, and Allstate.
Like most states, Texas only requires drivers to have a minimum amount of liability insurance. Full coverage is optional. But if you lease or finance your vehicle, you’ll likely have to buy full coverage to satisfy your lender’s requirements.
Here’s what you need to know about buying full-coverage car insurance in Texas.
Quick Facts
Texas law requires drivers to buy 30/60/25 levels worth of liability coverage, but full coverage is optional.[1]
More than one-third of Texas drivers lease or finance their vehicles, Insurify data shows. They’ll likely need to buy full-coverage car insurance.
When you buy a new car insurance policy in Texas, your insurer will automatically add uninsured/underinsured motorist coverage and personal injury protection. If you don’t want these coverages, you can decline them via a waiver.
Best companies for full-coverage car insurance in Texas
The best companies for full coverage in Texas combine low rates, robust coverage options and discount opportunities, high customer satisfaction, and financial strength. No one company is right for every driver, but here are three of the best to consider in Texas.
State Farm: Best for overall value in Texas
| User Reviews | 4.1 |
|---|---|
| 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. | $44/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. | $85/mo |
4.1
Best choice in TexasBased on 20,133 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
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.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 7,881 State Farm reviews
Verified Review
Reviewed in Texas on July 31, 2026
Price keeps going up. That’s the only issue I have. I’ve been with State Farm for a long time, but the price is getting out of hand.
Verified Review
Reviewed in Texas on July 28, 2026
Prices have gone way, way up!
Verified Review
Reviewed in Texas on July 27, 2026
It was twice as expensive as Progressive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm consistently offers some of the lowest car insurance rates in Texas. It scores above-average for customer satisfaction in Texas, according to J.D. Power. And Insurify customers give State Farm a score of 3.7 out of 5 for overall value for their money, based on 20,133 verified user reviews.
Pros
Consistently low rates in Texas
Multiple full-coverage add-ons like roadside assistance
Rideshare insurance available
Cons
Gap coverage only available to State Farm Bank customers with an auto loan
Doesn't offer accident forgiveness coverage
GEICO: Best for discounts in Texas
| 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. | 9.2 /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. | $69/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. | $146/mo |
4.0
Best choice in TexasBased on 19,872 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 8,015 GEICO reviews
Verified Review
Reviewed in Texas on July 30, 2026
Make sure you speak to a live person and not an automated system telling you to press 1, 2, or 3. Always double-check when you want to make a change.
Verified Review
Reviewed in Texas on July 29, 2026
I’ve been a GEICO customer for years, but they’ve raised my rates recently, and it became unfeasible to stay with them.
Verified Review
Reviewed in Texas on July 28, 2026
I think my auto insurance is too high. I checked a different county, and it’s cheaper by over $1,500.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO advertises nearly two dozen discounts, and some are quite generous. For example, service members stationed at one of Texas’ 14 military installations could benefit from a 15% military discount. And GEICO offers a hefty 25% discount to military members on deployment. GEICO also offers numerous discounts for civilians, including those for vehicle safety features, good drivers, homeowners, good students, and more.
Pros
Offers claim forgiveness coverage
Online quoting available
Customer satisfaction well above average in Texas, per J.D. Power
Cons
Average rates may be higher than some competitors
Middling value score (3.8 out of 5) from Insurify users
Doesn’t offer gap insurance
Mile Auto: Best for pay-per-mile savings in Texas
| User Reviews | 4.5 |
|---|---|
| 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. | 8.8 /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. | $64/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 |
4.5
Best choice in TexasBased on 211 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 4.0 | 2.9 |
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing recent national reviewsSee all 71 Mile Auto reviews
Verified Review
Reviewed in Florida on July 25, 2026
I thought it would be cheaper. I have to provide a photo of my mileage every month. I don’t drive much, and they aren’t any cheaper.
Verified Purchase
Reviewed in Georgia on July 12, 2026
It’s been fair so far, but I wish you could access them online. I’d like to know what coverage options I can add. Discussing them on the phone is fine, but sometimes you want to see it for yourself.
Verified Purchase
Reviewed in Georgia on June 6, 2026
Overall, I had a good experience and saved money.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Mile Auto offers some of the cheapest rates available in Texas. Drivers pay a low monthly base rate plus a set fee for every mile they drive in a month. Mile Auto offers full-coverage car insurance in Texas, including comprehensive coverage, collision coverage, and optional coverages like roadside assistance. Drivers submit their miles by taking a picture of their odometer reading and uploading it to Mile Auto’s system.
Pros
One of the cheapest insurers in Texas based on average rates
No mobile app or in-vehicle device needed to track miles
Insurify users give it a value score of 4.0 of 5
Cons
Doesn’t offer discounts or bundling discounts
Available in only eight states
No J.D. Power score
How much does full-coverage car insurance cost in Texas?
The average cost of full-coverage car insurance in Texas is $205 per month. By comparison, the national average is $186. Here’s a look at the cheapest car insurance quotes for full-coverage car insurance in Texas.
The below rates in Texas are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $85 |
| Progressive | $117 |
| Allstate | $120 |
| Mercury | $139 |
| Mile Auto | $143 |
| GEICO | $146 |
| USAA | $152 |
| Root | $167 |
| Clearcover | $175 |
| Alinsco | $178 |
| Direct Auto | $178 |
| GAINSCO | $183 |
| Elephant | $185 |
| AssuranceAmerica | $192 |
| Bristol West | $193 |
| National General | $194 |
| The General | $200 |
| Mendota | $207 |
| Commonwealth Casualty | $210 |
| First Acceptance | $212 |
| Lone Star | $219 |
| Loop | $220 |
| Sun Coast | $222 |
| Covercube | $229 |
| Dairyland | $242 |
| Chubb | $259 |
| Liberty Mutual | $270 |
| Trexis One | $285 |
| 21st Century | $298 |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
Average full-coverage costs in Texas by driver profile
Your age, gender, and driving history affect your full-coverage car insurance premium in Texas. Here are average full-coverage rates in Texas by driver profile.
Driver Profile | Average Monthly Full-Coverage Quote |
|---|---|
| Female | $198 |
| Male | $209 |
| With accident | $272 |
| With speeding ticket | $257 |
| With DWI | $286 |
| With poor credit | $256 |
| With excellent credit | $184 |
| Teen | $400 |
| Senior | $174 |
Disclaimer: Table data is based on real-time Texas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Average full-coverage car insurance in Texas cities
Where you live in Texas affects rating factors like traffic congestion, accident risk, weather risk, and vehicle theft rates. Here’s a look at average auto insurance quotes for full-coverage car insurance in select Texas cities.
City | Average Monthly Full-Coverage Quote |
|---|---|
| Amarillo | $217 |
| Austin | $217 |
| Corpus Christi | $214 |
| Dallas | $240 |
| El Paso | $193 |
| Galveston | $221 |
| Houston | $277 |
| Laredo | $205 |
| Mesquite | $245 |
| San Antonio | $220 |
Disclaimer: Table data is based on real-time Texas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
What is full-coverage car insurance in Texas?
Full-coverage car insurance in Texas is typically a combination of three types of coverages, including:
Liability insurance
A liability-only policy is state-mandated coverage that helps pay for another party’s injuries and property damage after you cause an accident. But it won’t cover damage to your personal vehicle or pay for medical bills if you’re at fault.
Collision insurance
Collision insurance protects you against car damage in an at-fault accident, even if you’re responsible for it. It applies to accidents with other vehicles and objects, such as poles and guardrails.
Comprehensive insurance
Comprehensive car insurance covers vehicle damage from non-collision events. You may use it after an incident such as a fire, hailstorm, theft, or vandalism.
It’s important to note that while full-coverage auto insurance provides more financial protection, it doesn’t cover every situation. You might want to explore additional coverage options or add-ons to fill in the gaps.
For example, roadside assistance may cover towing and other services during emergency situations on the road. Gap insurance can pay the difference between what you owe on your car loan or lease and the amount of your insurance payout — your vehicle’s diminished value — if you total your car. It’s up to you to determine which add-ons may make sense for your needs.
Find Cheap Full-Coverage Car Insurance in Texas
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How to find cheap full-coverage car insurance in Texas
Fortunately, you can lock in affordable full-coverage auto insurance in Texas. Here are some tips to help you find cheaper auto insurance coverage in the Lone Star State.
Compare car insurance rates
For a great deal on full-coverage car insurance, shop around and compare all your options. It’s a good idea to get quotes from at least three different car insurance companies. As you compare them, pay attention to insurance premiums, customer service, and financial strength scores.
Ask for discounts
Most auto insurance companies offer discounts to policyholders. Discounts such as those for being claims-free, having safety equipment in your vehicle, or enrolling in automatic payments can lead to substantial savings.
Bundle policies
If you need another type of insurance policy, such as home insurance or renters insurance, you may save money by bundling it with your full-coverage car insurance. Many car insurers reward customers who buy multiple products from them.
Increase your collision or comprehensive deductible
Your deductible is the amount you have to pay out of pocket before your collision or comprehensive coverage kicks in. A higher deductible may make sense if you’d like a lower premium and can afford higher out-of-pocket costs after an accident.
Drive safely
Drivers with clean motor vehicle records typically get the lowest car insurance rates.[2] That’s why you should make it a priority to drive safely and avoid serious traffic violations like speeding and DWIs.
Is full-coverage car insurance worth it in Texas?
If you lease or finance your vehicle in Texas, full-coverage car insurance is worth the investment, since lenders typically require it. Even if you own your vehicle outright, full coverage can be worth it for newer or high-value vehicles.
Like most states, Texas requires drivers to have liability insurance, which pays for injuries and property damage you cause to others. But it doesn’t pay for your own medical expenses or vehicle damage. A full-coverage auto policy does.
Full-coverage car insurance in Texas FAQs
Below, you’ll find the answers to several frequently asked questions about full-coverage policies in the state of Texas.
Which company has the cheapest full-coverage insurance in Texas?
State Farm has the cheapest full-coverage car insurance in Texas. Its full-coverage rates average $85 per month, Insurify data shows.
Is 30/60/25 full coverage in Texas?
In Texas, 30/60/25 represents the state’s minimum liability coverage requirements, which can be a part of a full-coverage policy. The numbers stand for $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability. Liability insurance paired with collision and comprehensive coverages makes up a full-coverage insurance policy.
Is full-coverage car insurance required in Texas?
Not legally. Texas doesn’t require drivers to carry full-coverage car insurance. But if you lease or finance your vehicle, your leasing company or lender will probably require you to buy full coverage. And even if you don’t have to buy it, full coverage is a good idea if you want greater financial protection.
Is Texas a no-fault state?
No. Texas isn’t a no-fault state. Instead, it’s an at-fault or tort state. This means that the insurance of the driver who causes an accident must pay for the other party’s vehicle damages and injuries.
How much does full-coverage car insurance cost in Texas?
In Texas, a full-coverage car insurance policy averages $205 per month for drivers with clean records. But some groups pay more. Texas teens face average full-coverage rates of $400 per month, while drivers with a DWI on their motor vehicle records see average monthly rates around $286.
To lock in the cheapest car insurance coverage, shop around and compare coverage options, take advantage of discounts, and maintain a clean driving record.
Does Texas require uninsured/underinsured motorist coverage?
Texas state law requires insurers to include uninsured/underinsured motorist coverage on all policies, but you can opt out of it by notifying your insurer in writing. But it’s a good idea to buy the coverage if you can afford it.
More than 14.5% of Texas drivers are uninsured.[3] If an uninsured driver causes an accident, uninsured motorist coverage could help pay for your damages and injuries.
Sources
- Texas Department of Insurance. "Auto insurance guide."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Research Council. "One in Eight Drivers Uninsured."
Methodology
Insurify data scientists analyzed more than 250 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:
- 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
- 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.
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You need to get car insurance right away when you buy a used car. But if you already have car insurance, you may be able to use that coverage temporarily.
Cheapest Car Insurance Quotes in Texas
State Farm offers the cheapest car insurance in Texas, with an average monthly premium of $44 for minimum coverage. Compare real-time quotes for Texas drivers and buy your policy online in minutes.
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Cheapest Car Insurance Quotes in Port St. Lucie, Florida (August 2026)
State Farm provides the cheapest car insurance in Port St. Lucie, with an average liability rate of $73 per month. Storm flooding can affect driving conditions in Port Saint Lucie, especially on roads like Westmoreland Boulevard, Morningside Boulevard, Ballantrae, and Tesoro.
Cheap Car Insurance Quotes in Abilene, Texas (August 2026)
State Farm is the cheapest car insurance company for Abilene drivers, with rates at $38 per month. Local West Texas factors like severe thunderstorms and hail can increase your insurance rates.
Cheapest Car Insurance Quotes in Amarillo (August 2026)
State Farm offers Amarillo drivers the most affordable car insurance, followed by Allstate and Progressive. With a lower population than many Texas cities, Amarillo drivers pay lower car insurance rates than the rest of the Lone Star State.
Cheap Car Insurance Quotes in Arlington, Texas (August 2026)
State Farm offers some of the cheapest car insurance in Arlington, Texas, with an average monthly premium of $47 for liability coverage. Event traffic around AT&T Stadium and congestion along I-20 and I-30 may influence crash risk and insurance rates.
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Cheap Car Insurance Quotes in Austin, Texas (August 2026)
State Farm offers the cheapest liability car insurance rates in Austin, at $47 per month. The city’s high vehicle theft rate increases insurers’ risk and drives up costs for Austin drivers.
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Cheapest Car Insurance Quotes in Beaumont (August 2026)
The cheapest car insurance in Beaumont comes from State Farm, with an average liability-only rate of $49 per month. Beaumont’s location along the Gulf Coast, combined with an $850 million I-10/US 69 project that’s reshaping traffic patterns, puts extra pressure on local car insurance rates.
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Cheapest Car Insurance Quotes in Brownsville, Texas (August 2026)
State Farm is the cheapest auto insurance company in Brownsville, with rates of $45 per month. Brownsville drivers face a seasonal risk of rain and wind damage from tropical storms, which increases full-coverage pricing.
Cheap Car Insurance Quotes in Corpus Christi, Texas (August 2026)
State Farm offers the best rates on Corpus Christi car insurance, at $47 per month for minimum coverage. Auto theft rates are high, though, making full coverage worth the extra cost.
Cheapest Car Insurance Quotes in Dallas (August 2026)
State Farm offers Dallas drivers the cheapest car insurance rates, at $51 per month for liability coverage. But Dallas drivers face above-average rates, possibly due to heavy traffic congestion and high vehicle theft rates.
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Cheapest Car Insurance Quotes in Denton (August 2026)
Most Denton drivers find that State Farm offers the lowest auto insurance rates, at $44 per month. Heavy traffic from I-35 and a seasonal abundance of college students can make driving in Denton challenging.
Cheapest Car Insurance Quotes in El Paso (August 2026)
State Farm is the cheapest insurer in El Paso, with an average monthly rate of $39 for liability-only coverage. El Paso’s relatively light traffic and low vehicle theft rate make it an affordable city for auto coverage.
Cheapest Car Insurance Quotes in Fort Worth (August 2026)
Fort Worth drivers can find the lowest car insurance rates from State Farm, with liability coverage averaging $44 per month. High vehicle theft rates and frequent hailstorms may influence how much you pay for auto insurance in Fort Worth.
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Cheapest Car Insurance Quotes in Galveston, Texas (August 2026)
State Farm is the cheapest auto insurance option in Galveston, with liability rates of $47 per month. Heavy congestion, especially during tourist season, affects the city’s rates.
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Cheap Car Insurance Quotes in Garland, Texas (August 2026)
State Farm has the lowest average car insurance rates in Garland, at $51 per month for liability coverage. Garland is a suburb of Dallas, so it sees more commuting congestion, higher vehicle theft rates, and higher car insurance costs.
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Cheapest Car Insurance Quotes in Grand Prairie, Texas (August 2026)
State Farm is the cheapest insurer in Grand Prairie, with an average liability rate of $48 per month. Right in the middle of Dallas and Fort Worth, Grand Prairie experiences heavy traffic, which insurers consider when setting rates.
Cheapest Car Insurance Quotes in Houston (August 2026)
State Farm offers the cheapest car insurance in Houston, with liability rates averaging $60 per month. Houston’s hurricane exposure and high road congestion contribute to the city’s higher premiums.
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Cheapest Car Insurance Quotes in Huntsville (August 2026)
State Farm has the cheapest liability insurance in Huntsville, Texas, with rates as low as $43 per month. Even though Huntsville is at risk for hurricanes and flooding, the city’s rates are slightly lower than the state average.
Cheapest Car Insurance Quotes in Irving, Texas (August 2026)
Drivers in Irving, Texas, can find the cheapest rates with State Farm, at $48 per month. Irving’s premiums may be influenced by its thousands of traffic crashes each year and heavy commuter traffic through the Dallas-Fort Worth metro area.
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Cheap Car Insurance Quotes in Katy, Texas (August 2026)
State Farm offers the cheapest car insurance in Katy, with an average rate of $54 per month. Several areas of the Katy Freeway are listed in the top 100 most congested road segments in Texas. Increased congestion has led to collision hot spots with crash rates above the state and national averages.
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Cheap Car Insurance Quotes in Killeen (August 2026)
State Farm offers the cheapest car insurance in Killeen, with an average liability-only price of $42 per month. Heavy traffic along U.S. 190 and near Fort Hood also influences costs in the area.
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Cheapest Car Insurance Quotes in Laredo (August 2026)
State Farm has the cheapest car insurance in Laredo, with average rates of $43 per month. Heavy traffic on U.S. Highway 83 and Interstate 35 can influence local rates.
Cheapest Car Insurance Quotes in Lubbock, Texas (August 2026)
State Farm is the best option for cheap car insurance in Lubbock, with rates starting at $42 per month. Find out how to compare car insurance rates to get the best deal.
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Cheap Car Insurance Quotes in McAllen, Texas (August 2026)
State Farm has the cheapest car insurance in McAllen, at an average of $49 per month for liability coverage. McAllen faces severe storm threats, pushing its rates slightly above the state average.
Cheapest Car Insurance Quotes in Mesquite, Texas (August 2026)
The cheapest insurance company in Mesquite, Texas, is State Farm, with an average monthly premium of $51 for liability-only coverage. Mesquite’s high rate of accidents, fatal crashes, and exposure to wind and hurricanes play a part in its average premiums.
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Cheapest Car Insurance Quotes in Midland, Texas (August 2026)
The cheapest car insurance in Midland is from State Farm, with liability rates of $41 per month. Heavy, oilfield‑related traffic in areas like Loop 250 and Interstate 20 increases collision risk and affects how much you’ll pay for coverage.
Cheap Car Insurance Quotes in New Braunfels, Texas (August 2026)
State Farm has the cheapest car insurance in New Braunfels, with an average monthly liability rate of $41. Visiting and residential drivers should stay alert to the major roadway improvement projects taking place over the next few years.
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Cheap Car Insurance Quotes in Odessa, Texas (August 2026)
State Farm offers the cheapest car insurance in Odessa, Texas, with premiums averaging $46 per month. Odessa has one of the country’s highest vehicle theft rates — a major factor contributing to the city’s higher auto insurance costs.
Cheapest Car Insurance Quotes in Plano, Texas (August 2026)
State Farm offers the lowest car insurance rates in Plano, charging an average of $45 per month for minimum coverage. Plano is generally a very safe place to drive, but plenty of Dallas-based traffic congestion flows through this affluent suburb, which can keep costs elevated.
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Cheapest Car Insurance Quotes in San Antonio (August 2026)
State Farm offers San Antonio drivers the lowest car insurance rates, at $47 per month. San Antonio’s heavy traffic congestion contributes to its higher-than-average car insurance costs.
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Cheapest Car Insurance Quotes in San Marcos, Texas (August 2026)
State Farm offers the cheapest car insurance quotes in San Marcos, with rates at $43 per month. San Marcos is at risk of natural hazards, like tornadoes, hail, and wildfires, which can affect the cost of car insurance.
Cheapest Car Insurance Quotes in Spring, Texas (August 2026)
The cheapest insurance in Spring, Texas, is available from State Farm, averaging $51 per month. Heavy traffic on Interstate 45 and car theft can affect rates.
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Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
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Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert