Cheapest Auto Insurance in Texas (2024)

Texas drivers can find the cheapest car insurance rates with State Farm, which has liability only rates as low as $37 per month.

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Cheapest recent rates in Texas

Recent Texas car insurance prices for KIA, Toyota, GMC , and more.

*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on November 5, 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 November 5, 2024. 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 November 5, 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 November 5, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated November 5, 2024

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Car insurance rates are rising across the country, and Texas is no exception. The average Texas driver pays $182 per month for auto insurance, according to Insurify data.

Full-coverage auto insurance costs Texans an average of $245 per month — more than the national average of $211. A liability-only insurance policy costs an average of $119 per month in Texas, compared to the national average of $104.

Texans may be paying more for car insurance because the state has a large population with multiple major cities, where rates tend to be higher. Wildfires, hurricanes, and winter storms can cause car damage that cost insurers more for claims and drive rates higher.

Fortunately, savvy insurance shoppers can usually find a few ways to save. Here’s what you need to know if you’re shopping for the best car insurance in Texas.

Quick Facts
  • State Farm is one of the cheapest insurers in the state, with liability-only and full-coverage policies priced at $37 and $67 per month, respectively.

  • Texas is an at-fault state, meaning the driver who caused an accident is responsible for bodily injury and property damage costs. The at-fault driver’s insurance company covers the other involved parties.

  • Texas drivers pay an average of $2,941 per year for full-coverage car insurance.

3 of the cheapest car insurance companies in Texas

Finding the best car insurance companies in Texas is about balancing cost with coverage and hunting down discounts that can help you save. GEICO, Allstate, and USAA offer some of the most affordable car insurance rates in the state, but each company offers policies with different coverage, benefits, and savings. The best car insurance for you depends on your unique needs.

Insurance Company
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.
Full Coverage
Liability Only
GEICO9.0$73$40
Allstate8.9$94$52
USAA9.4$119$66
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.
  • Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

GEICO

Compare personalized, real-time quotes
User Reviews
3.1
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.
9.0/10
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.
$40/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.
$73/mo

GEICO, a Berkshire Hathaway subsidiary and one of the leading auto insurance companies in the U.S., was founded in Fort Worth in 1936 as the Government Employees Insurance Company. The insurer provides auto, homeowners, renters, boat, ATV, and business insurance through an intuitive website and mobile app. 

GEICO has some of the cheapest car insurance rates in Texas and offers more than a dozen discounts that could lower your premiums even more, such as discounts for safe driving, taking defensive driving classes, and being a loyal customer.

Pros
  • Above-average J.D. Power customer satisfaction rating in Texas

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Higher rates for drivers with DUIs

  • Doesn’t offer rideshare insurance

Read more driver reviews of GEICO
Howard - November 4, 2024
Verified

Average

Cheaper rates.

Ann Marie - November 4, 2024
Verified

Ripoff

The policy premiums have skyrocketed despite no claims. The premium for one vehicle is the same as a paid-off car. The liability coverage has a $2500 deductible and costs $960 for 6 months.

Dorothy - November 4, 2024
Verified

Disappointed

They couldn't care less about how long you have been with them when they increase your rates for no apparent reason. Truly sad!

Allstate

Compare personalized, real-time quotes
User Reviews
3.1
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.
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.
$52/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.
$94/mo

Allstate has been in business for more than 90 years and offers competitive rates in the Lone Star State. The company operates in all 50 states and offers home, motorcycle, off-road vehicle, renters, term life, and auto insurance. Infrequent drivers can also save with Milewise, Allstate’s pay-per-mile program.

Pros
  • Above-average J.D. Power customer satisfaction rating in Texas

  • Bundling discounts for home and auto insurance

Cons
  • May not have the lowest rates in Texas

  • Negative customer reviews on Trustpilot

Read more driver reviews of Allstate
Theresa - November 4, 2024
Verified

Needed to Save Money

Allstate was fine until they raised my rates this year. I've never had a claim, and they did the same with my homeowner's insurance. I've never had a claim there either, so I had to shop around because I needed to save money somewhere.

James - November 4, 2024
Verified

Poor

Their insurance is too high.

Mary - November 4, 2024
Verified

Nothing is under $51 monthly for senior citizens

Nothing is lower than $51 monthly for senior citizens.

USAA

Compare personalized, real-time quotes
User Reviews
3.6
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.
9.4/10
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.
$66/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.
$119/mo

USAA has provided insurance coverage to active-duty members of the military, veterans, and their immediate families for more than 100 years. The insurer could be a good option for the nearly 1.6 million veterans in Texas.

In addition to affordable auto policies, USAA offers multiple insurance products, including homeowners, life, and health coverage. The company also has discounts for bundling, insuring multiple vehicles, living on a military base, and more.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • Discount of up to 30% through the SafePilot program

Cons
  • No 24/7 live customer support

  • Only active-duty or retired military personnel and their families are eligible for coverage

Read more driver reviews of USAA
Jeremy - November 4, 2024
Verified

USAA is the worst.

While filing an insurance claim with USAA is a breeze, the monthly payments are not. For just liability with a tow option, I was paying well over $200. In the almost 18 years I’ve been with them, payments have never been under $200. There is no loyalty discount or safe driving discount. I would recommend considering other options like GEICO or Progressive.

Harlan - November 4, 2024
Verified

Too Expensive

They are not suitable for veterans anymore.

Laverne - November 4, 2024
Verified

Mismanagement and Rising Costs

My policy has increased dramatically over the years despite having one or no claims. I feel the need to look elsewhere to save money.

How to get the cheapest car insurance in Texas

Car insurance rates are surging across the country due to skyrocketing inflation, labor shortages, high repair costs, and an increase in traffic accidents. 

Texas drivers have a few options to lower their rates. The number one way you can reduce your premiums is by increasing your deductible. A higher deductible means you’ll pay more out of pocket if you get into an accident. If you don’t want to raise your deductible, here are some other things you can do to save on car insurance:

  • Enroll in a defensive driving course to qualify for discounts or points reduction.

  • Talk to an insurance agent who can navigate complicated policies and help you save.

  • Invest in a car with robust anti-theft and safety features.

  • Take advantage of any car insurance discounts your insurer offers.

  • Compare quotes and shop around for the cheapest car insurance companies.

Find Cheap Car Insurance in Texas

Liability rates start as low as $37 per month

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Based on 3,806+ reviews
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ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Texas: State Farm

Liability car insurance can reduce your out-of-pocket costs by paying for medical bills and property damage if you cause an accident. But liability-only insurance covers the other person’s vehicle and medical expenses if you’re at fault — not your car or medical bills.

Texas requires a minimum of $30,000 in liability coverage, $60,000 per accident, and $25,000 for property damage.[1] If you want to stick with the minimum and keep your car insurance costs as low as possible, you can purchase a liability-only auto insurance policy.

Liability insurance in Texas costs an average of $119 per month. Take a look at the cheapest liability-only insurers in the table below.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$37
GEICO$40
Allstate$52
Mile Auto$55
USAA$66
Nationwide$83
Mercury$86
Safeco$95
Progressive$99
Dairyland$105
Chubb$112
Clearcover$113
National General$121
21st Century$129
Direct Auto$132
The General$133
Commonwealth Casualty$136
Elephant$137
Bristol West$140
GAINSCO$163
Liberty Mutual$167
AssuranceAmerica$170
Infinity$190
State Auto$196
Foremost$224
Hugo$287
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 Texas: State Farm

Texas doesn’t require full-coverage auto insurance, but it’s smart to purchase this type of policy if you want more robust financial protection. Full-coverage policies include liability insurance but also have comprehensive and collision coverages.

If you get into an accident, collision insurance will cover repairs to your vehicle. Comprehensive covers damage from non-collision events, like hailstorms or falling branches. While full-coverage policies have more expensive average rates than liability-only insurance, the difference is often worth it for drivers who want to avoid unexpected expenses. If you leased or financed your car, your leasing company or lender will likely require you to have full-coverage car insurance.

Texas drivers pay $119 per month, on average, for a full-coverage policy. The table below shows which insurers offer the cheapest full coverage in Texas.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$67
GEICO$73
Allstate$94
Mile Auto$115
USAA$119
Mercury$146
Clearcover$158
Nationwide$165
Progressive$174
Safeco$179
Chubb$203
AssuranceAmerica$229
Elephant$232
21st Century$234
National General$254
Direct Auto$258
Dairyland$274
The General$293
Bristol West$301
Infinity$308
Liberty Mutual$309
State Auto$350
GAINSCO$351
Commonwealth Casualty$372
Foremost$473
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.

Car insurance requirements in Texas

Texas law requires 30/60/25 coverage, meaning all drivers must carry at least $30,000 in bodily injury coverage per person, up to a total of $60,000 per accident, and $25,000 coverage for property damage.

The required bodily injury liability coverage pays medical bills for the other driver and their passengers if you’re at fault in an accident. Property damage liability coverage pays for damage to the other driver’s car or property.

All insurance policies in Texas include personal injury protection (PIP), which pays for your and your passengers’ medical bills, lost wages, and funeral expenses in the case of a fatal accident. But you can opt out of the coverage by sending written notice to your insurance company.[2]

Texas insurers must also provide uninsured/underinsured (UM/UIM) motorist coverage, which pays if someone without sufficient insurance hits you. To opt out of PIP or UM/UIM coverage, you need to tell your insurance company in writing.

Coverage
Minimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000

The required 30/60/25 coverage might not be enough to cover a serious accident and could leave policyholders with major out-of-pocket expenses, says Deon Williams, owner of Texas-based 4J Insurance Agency.

“I would rather send you to a different carrier than be responsible for writing bad policy. So, we don’t usually write that [30/60/25 policy] unless it’s something extenuating, like a senior citizen on a fixed income,” says Williams.

Instead, Williams says the ideal minimum would be $100,000 for bodily injury, $300,000 per accident, and $100,000 for property damage. “Usually, the difference between that and the state liability limits is about $15 a month. People spend more on Netflix.”

If Texas drivers feel the minimum coverage isn’t sufficient, they can add additional coverages to ensure they’re protected no matter the circumstances, including:

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

    Additional liability insurance

    Beyond the required 30/60/25 policy, this coverage protects you if you’re in an at-fault accident where the cost of injuries or property damage exceeds your coverage, ensuring you won’t have major out-of-pocket medical or car repair bills.

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    Collision coverage

    Collision insurance pays to repair or replace your car, regardless of who’s at fault.

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

    Comprehensive coverage

    Comprehensive insurance pays for damage not caused by an accident, including from fire, falling objects, vandalism, and theft.

  • illustration card https://a.storyblok.com/f/162273/150x150/951095b2b4/car-service-96x96-blue_014-tow-truck.svg

    Roadside assistance coverage

    Roadside assistance coverage includes discounted or flat rates on towing, lockout services, tire changes, jump-starts, gas delivery, winching, and transportation assistance if you get stranded on the road.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance covers the difference between your totaled car and the outstanding auto loan balance. Lenders often require this coverage if you finance or lease your vehicle.

  • illustration card https://a.storyblok.com/f/162273/150x150/f82464c85b/car-sharing-96x96-orange_048-car-key.svg

    Rental reimbursement coverage

    This add-on policy covers the cost of a rental car up to a daily limit if your car is in the shop for repairs after an accident.

Cheapest car insurance for drivers with an incident

Insurance companies analyze your level of risk to determine your premium, so your driving history affects your auto insurance rates. If you have an at-fault accident, DUI, or speeding violation on record or have other traffic violations like rolling through a stop sign, insurers may charge you more for car insurance.

The difference between premiums for drivers with and without an incident on record isn’t insignificant. Insurify’s proprietary data reveals drivers with at-fault accidents on record pay an average of $229 per month for auto insurance — noticeably more than drivers with clean records, who pay $158.

If your premium increases after a driving incident, you’re not necessarily stuck with a higher rate. Some insurance companies penalize incidents with steeper increases than others, and shopping around could help you save.

Shop for Texas Car Insurance

Monthly liability rates average $155 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: State Farm

Insurance companies take speeding seriously for a good reason. Nearly 30% of fatal crashes involve speeding. An additional 13% of injury crashes and 10% of property-damage-only crashes were speeding-related, according to the National Highway Traffic and Safety Administration (NHTSA).

Most auto insurance companies raise rates after a speeding ticket. But some insurers might not raise rates for drivers older than 25 without a similar violation in the past three years.

In Texas, drivers with a speeding ticket on their record pay an average of $336 per month. Comparing quotes from multiple insurers and maintaining a clean driving record going forward can help you secure affordable car insurance after a speeding violation.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Clean Driving Record
With Speeding Ticket
State Farm$37$47
GEICO$40$51
Allstate$52$66
Mile Auto$55$72
USAA$66$84
Nationwide$83$107
Mercury$86$118
Safeco$95$123
Progressive$99$126
Dairyland$105$135
Chubb$112$145
Clearcover$113$147
National General$121$155
21st Century$129$171
Direct Auto$132$168
The General$133$172
Commonwealth Casualty$136$188
Elephant$137$190
Bristol West$140$179
GAINSCO$163$226
Liberty Mutual$167$231
AssuranceAmerica$170$220
Infinity$190$252
State Auto$196$272
Foremost$224$310
Hugo$287$363
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

Getting into an at-fault accident can cause your car insurance rates to increase by an average of 26%, according to Insurify’s proprietary data. Even drivers who aren’t at fault face average increases of nearly 10% after an accident.

On average, Texas drivers who have had an accident pay $357 per month. Some insurers include accident forgiveness in your policy, but others offer it as add-on coverage or not at all.

If you don’t qualify for accident forgiveness, your rates will eventually decrease after an accident if you maintain a safe driving record. In the meantime, completing a defensive driving course approved by your insurer, raising your deductible, or comparing rates could reduce your car insurance premium.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Clean Driving Record
With Accident
State Farm$37$50
GEICO$40$54
Allstate$52$71
Mile Auto$55$78
USAA$66$90
Nationwide$83$114
Mercury$86$125
Safeco$95$126
Progressive$99$136
Dairyland$105$142
Chubb$112$153
Clearcover$113$165
National General$121$165
21st Century$129$180
Direct Auto$132$183
The General$133$184
Commonwealth Casualty$136$181
Elephant$137$182
Bristol West$140$189
GAINSCO$163$212
Liberty Mutual$167$243
AssuranceAmerica$170$229
Infinity$190$254
State Auto$196$291
Foremost$224$326
Hugo$287$417
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

Finding cheap car insurance can be more difficult if you have a DUI on your driving record. Texas drivers with a DUI pay an average cost of $406 per month for full-coverage car insurance. In fact, drivers with a DUI/DWI pay about 66% more for auto insurance than people with a clean driving record. But you can still find ways to get a cheaper rate.

Shopping around, comparing quotes, and taking advantage of insurer discounts can reduce your premium, even if you have a DUI.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Clean Driving Record
With DUI
State Farm$37$61
GEICO$40$66
Allstate$52$86
Mile Auto$55$91
USAA$66$109
Nationwide$83$137
Mercury$86$130
Safeco$95$157
Progressive$99$164
Dairyland$105$174
Chubb$112$185
Clearcover$113$187
National General$121$200
21st Century$129$213
Direct Auto$132$218
The General$133$220
Commonwealth Casualty$136$225
Elephant$137$227
Bristol West$140$231
GAINSCO$163$270
Liberty Mutual$167$276
AssuranceAmerica$170$281
Infinity$190$314
State Auto$196$324
Foremost$224$370
Hugo$287$475
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

Your age affects your car insurance premium significantly. Rates typically decrease after age 25 as drivers gain more experience behind the wheel, and senior drivers pay the lowest rates on car insurance as a group.

But insurance companies tend to raise rates for drivers older than 70 due to an increased risk of accidents. Drivers older than 70 have higher crash and death rates than drivers ages 35–53 due to age-related declines in visual, cognitive, and physical function and increased vulnerability to injury, according to the Insurance Information Institute.[3]

Senior drivers in Texas pay a monthly average of $93 for liability-only car policies and $191 for full coverage. Many insurers also offer discounts to seniors with clean driving records.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Full Coverage
Liability Only
State Farm$38$21
GEICO$46$25
Allstate$59$33
Mile Auto$69$33
USAA$76$42
Progressive$88$50
Nationwide$90$45
Mercury$92$54
Chubb$106$59
Clearcover$112$80
Safeco$130$69
21st Century$134$74
AssuranceAmerica$141$105
National General$156$74
Elephant$158$93
Direct Auto$160$82
Dairyland$178$68
Infinity$187$115
Bristol West$195$91
The General$199$90
State Auto$201$113
Liberty Mutual$210$114
Commonwealth Casualty$262$96
GAINSCO$263$122
Foremost$307$145
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

Getting a driver’s license is a thrilling rite of passage for most teenagers. The insurance rates for teen drivers are a lot less exciting. Insurance companies set higher premiums for young drivers due to increased risk and lack of experience. For example, teen drivers in Texas pay an average monthly cost of $215 and $443 for liability only and full coverage, respectively.

Drivers ages 16–19 have a higher risk of motor vehicle crashes than any other age group and a crash fatality rate that’s nearly three times as high as for drivers ages 20 and up, according to the Insurance Institute for Highway Safety.[4]

Teenage drivers can secure a lower car insurance rate by being added to their parents’ policies, driving a car model that’s cheaper to insure, qualifying for good student discounts, or comparing rates.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Full Coverage
Liability Only
State Farm$116$64
GEICO$118$65
Allstate$169$93
USAA$202$112
Mile Auto$227$108
Mercury$267$157
Nationwide$290$146
Clearcover$308$220
Progressive$315$179
Safeco$363$193
Elephant$386$228
Chubb$389$214
21st Century$402$221
AssuranceAmerica$429$319
Dairyland$458$176
The General$476$216
Direct Auto$478$244
National General$508$242
Bristol West$518$241
Liberty Mutual$557$301
Infinity$570$351
GAINSCO$623$289
State Auto$633$354
Commonwealth Casualty$662$242
Foremost$855$405
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 recent rates in Texas

Recent Texas car insurance prices for Ford, Hyundai, Alfa Romeo , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on November 5, 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 November 5, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on November 5, 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 November 5, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Texas car insurance quotes by credit tier

Insurance companies pay out nearly twice as much on property damage liability policies for customers with the lowest credit scores compared to people with the highest scores, according to the Federal Trade Commission (FTC). Because people with low credit scores tend to be more costly to insure, insurance companies typically charge these customers more for auto insurance.

While some states, like California, ban using credit scores for insurance pricing, Texas insurers can and do consider your credit history when setting rates. An excellent or good credit score could secure you a lower rate, but the average cost of car insurance goes up if you have a poor credit score.

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.

Texas car insurance FAQs

If you still have questions about buying car insurance in the Lone Star State, here’s some more information to help as you research your coverage options.

  • How much is car insurance in Texas?

    The overall average cost of car insurance in Texas is about $182 per month. Texans pay an average of $245 per month for full-coverage auto insurance and $119 for a liability-only policy.

  • What is the cheapest car insurance company in Texas?

    State Farm is the cheapest car insurance company in Texas, with monthly liability-only rates of $37.

  • Why is auto insurance so expensive in Texas?

    Everything’s bigger in Texas — including the state’s exposure to increasing auto claims tied to climate-related events. Texas has a long history of costly storms that cause billions of dollars in property damage. When insurance companies face big losses in a state, raising rates is one way to cover their losses.

  • Can your driving record affect the cost of car insurance in Texas?

    Yes. Your driving record can significantly affect your car insurance costs. For example, drivers with a clean record free of traffic infractions typically pay the lowest rates for car insurance. Drivers with DUIs, at-fault accidents, and other moving violations typically face the highest car insurance premiums.

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. Texas Department of Insurance. "Automobile insurance guide."
  3. Insurance Information Institute. "Senior driving safety and insurance tips."
  4. Insurance Institute for Highway Safety. "Teenagers."
Cassie Sheets
Cassie SheetsData Journalist

Cassie Sheets has more than nine years of experience creating compelling content for clients, brands, and local news sites. She started her career at Movoto Real Estate, where she transformed dry data into interesting insights for potential homebuyers. She’s since covered a wide range of topics, from pop culture news to home and garden trends.

Before joining Insurify, Cassie wrote engaging landing pages and blog posts for medical practices at MyAdvice. Now, she uses her knack for diving into the latest data and pulling out key details to empower insurance buyers.

Cassie holds a BFA in Creative Writing from Columbia College Chicago. In her free time, you can find her exploring the city with her dog, trying not to fall over in yoga classes, and petting cats at the shelter.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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