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 $206 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 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.
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 | 4.0 |
|---|---|
| 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. | $43/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 |
4.0
Best choice in TexasBased on 18,367 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 7,595 State Farm reviews
Verified Review
Reviewed in Texas on May 26, 2026
It took too long for State Farm to approve funds for repairs.
Verified Review
Reviewed in Texas on May 23, 2026
They have always filled my needs.
Verified Review
Reviewed in Texas on May 19, 2026
I've checked around and a lot of other insurance companies are higher. Check the fine print.
…
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 18,367 verified user reviews.
Pros
Consistently low rates in Texas
Multiple full-coverage add-ons like roadside assistance
Rideshare insurance available
Cons
Doesn’t offer gap insurance
Some discounts may not be available in Texas
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. | $70/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. | $147/mo |
4.0
Best choice in TexasBased on 18,458 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 | 3.9 | 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 7,776 GEICO reviews
Verified Review
Reviewed in Texas on May 22, 2026
Geico has been really good to me, paying claims very fast.
Verified Purchase
Reviewed in Texas on May 22, 2026
Unbeatable price for the coverage options.
Verified Review
Reviewed in Texas on May 17, 2026
They raise rates without explanation, and it’s expensive for what you get. I can’t afford it!
…
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
Not the cheapest rates available in Texas
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. | $63/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. | $139/mo |
4.5
Best choice in TexasBased on 204 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 68 Mile Auto reviews
Verified Purchase
Reviewed in Tennessee on May 6, 2026
I just wish they would send me an actual insurance card and my policy info in the mail, not just email, because I have no way to print it.
Verified Purchase
Reviewed in Georgia on April 16, 2026
This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.
Verified Purchase
Reviewed in Georgia on March 17, 2026
So far, it has been very good.
…
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
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
Available in only seven 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 $206 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: Sunday, May 31 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $85 |
| Progressive | $117 |
| Allstate | $120 |
| Mercury | $138 |
| Mile Auto | $139 |
| GEICO | $147 |
| USAA | $152 |
| Root | $168 |
| Safeco | $169 |
| Clearcover | $176 |
| Alinsco | $180 |
| Direct Auto | $180 |
| Elephant | $187 |
| GAINSCO | $188 |
| Nationwide | $191 |
| National General | $192 |
| Bristol West | $195 |
| AssuranceAmerica | $199 |
| The General | $202 |
| Mendota | $206 |
| Commonwealth Casualty | $214 |
| First Acceptance | $216 |
| Loop | $220 |
| Sun Coast | $222 |
| Lone Star | $223 |
| Covercube | $238 |
| Dairyland | $245 |
| Chubb | $257 |
| Liberty Mutual | $270 |
| Trexis One | $282 |
| 21st Century | $297 |
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 | $199 |
| Male | $210 |
| With accident | $274 |
| With speeding ticket | $258 |
| With DWI | $284 |
| With poor credit | $258 |
| With excellent credit | $184 |
| Teen | $403 |
| Senior | $175 |
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 | $211 |
| Austin | $210 |
| Corpus Christi | $207 |
| Dallas | $235 |
| El Paso | $186 |
| Galveston | $206 |
| Houston | $270 |
| Laredo | $201 |
| Mesquite | $239 |
| San Antonio | $216 |
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 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 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
Monthly rates start at $85
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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 DUIs.
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 $206 per month for drivers with clean records. But some groups pay more. Texas teens face average full-coverage rates of $403 per month, while drivers with a DUI on their motor vehicle records see average monthly rates around $284.
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 8% 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 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:
- 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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State Farm offers the cheapest car insurance in Odessa, Texas, with premiums averaging $44 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 Irving, Texas (June 2026)
Drivers in Irving, Texas, can find the cheapest rates with State Farm, at $46 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.
Cheap Car Insurance Quotes in Corpus Christi, Texas (June 2026)
State Farm offers the best rates on Corpus Christi car insurance, at $45 per month for minimum coverage. Auto theft rates are high, though, making full coverage worth the extra cost.
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Cheap Car Insurance Quotes in Austin, Texas (June 2026)
State Farm offers the cheapest liability car insurance rates in Austin, at $45 per month. The city’s high vehicle theft rate increases insurers’ risk and drives up costs for Austin drivers.
Cheap Car Insurance Quotes in Arlington, Texas (June 2026)
State Farm offers some of the cheapest car insurance in Arlington, Texas, with an average monthly premium of $45 for liability coverage. Event traffic around AT&T Stadium and congestion along I-20 and I-30 may influence crash risk and insurance rates.
Cheapest Car Insurance Quotes in Amarillo (June 2026)
State Farm offers Amarillo drivers the most affordable car insurance, followed by Allstate and Mile Auto. With a lower population than many Texas cities, Amarillo drivers pay lower car insurance rates than the rest of the Lone Star State.
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Cheapest Car Insurance Quotes in Midland, Texas (June 2026)
The cheapest car insurance in Midland is from State Farm, with liability rates of $40 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.
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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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