Cheapest Car Insurance for Low-Income Drivers in Texas (2026)
State Farm has the cheapest liability car insurance in Texas, with average rates of $44 per month.
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Written byJess Ullrich
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Jess UllrichFreelance Insurance Writer
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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The exact definition of a “low-income driver” can vary. But in general, low-income families are those with earnings that fall below the U.S. Department of Health and Human Services’ poverty guidelines. For 2026, a person with an annual income of $15,960 or below is considered a low-income earner, while the annual threshold for a family of four is $33,000.[1]
If you’re a low-income Texas driver, you have options for finding cheaper car insurance rates. The Lone Star State doesn’t subsidize auto coverage for its low-income drivers, but it only requires drivers to obtain liability coverage, which is much cheaper than full coverage. Many companies also provide discounts that can reduce your insurance rates.
Here’s what you should know about comparing quotes and finding car insurance for low-income earners in Texas.
Quick Facts
State Farm, Allstate, and Mile Auto offer the most affordable liability coverage for Texas drivers.
More than 13% of Texans live in poverty, according to U.S. Census Bureau data. A low income could make it difficult to afford the state’s higher-than-average car insurance costs.
Texas drivers pay higher rates for insurance — an overall average of $159 per month compared to the overall nationwide average of $142 per month.
Cheapest low-income car insurance in Texas
Drivers in Texas pay an average cost of $111 per month for liability-only insurance and $207 per month for full-coverage car insurance, according to Insurify data. While State Farm has the cheapest liability rates on average, other insurance companies may also offer coverage that aligns with your budget.
Here are some of the cheapest car insurance companies in Texas.
The below rates in Texas are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company  | Average Quote: Liability Only | 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. |
|---|---|---|
| State Farm | $44 | 9.3 |
| Allstate | $62 | 8.9 |
| Mile Auto | $63 | 8.8 |
| Progressive | $65 | 8.7 |
| GEICO | $70 | 9.2 |
| USAA | $78 | 9.1 |
| Freedom National | $85 | 0.0 |
| Mercury | $86 | 7.5 |
| First Acceptance | $89 | 0.0 |
| The General | $92 | 7.1 |
| Alinsco | $93 | 0.0 |
| Lone Star | $96 | 0.0 |
| Commonwealth Casualty | $98 | 6.1 |
| Nationwide | $98 | 9.0 |
| GAINSCO | $100 | 7.9 |
| Bristol West | $102 | 6.7 |
| Clearcover | $102 | 7.1 |
| Dairyland | $102 | 7.7 |
| Root | $103 | 7.9 |
| Covercube | $107 | 0.0 |
| Mendota | $107 | 0.0 |
| AssuranceAmerica | $108 | 5.8 |
| Excepsure | $112 | 0.0 |
| Sun Coast | $114 | 0.0 |
| Safeco | $115 | 8.1 |
| Direct Auto | $116 | 8.3 |
| National General | $117 | 7.0 |
| Loop | $121 | 0.0 |
| Elephant | $123 | 8.6 |
| Chubb | $133 | 7.1 |
| Trexis One | $137 | 0.0 |
| 21st Century | $153 | 7.3 |
| Hugo | $156 | 6.3 |
| Insurify Car | $159 | 0.0 |
| Liberty Mutual | $187 | 8.4 |
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.
Find Cheap Car Insurance in Texas
Liability quotes start as low as $44 per month
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Best car insurance for drivers with a low income in Texas
Liability-only insurance is the cheapest form of car insurance. But it offers less protection than a full-coverage policy, which typically includes liability insurance, comprehensive insurance, and collision insurance.
For example, liability coverage won’t pay for your injuries or damage to your car if you’re at fault in a motor vehicle accident or if a tree limb hits your car’s roof. It only covers damages to another person or their vehicle if you’re at fault in an accident.[2]
If you’re seeking cheap liability coverage, it’s worth getting a quote from State Farm, GEICO, and Allstate.
State Farm: Best for customer satisfaction
| 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. | $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. | $84/mo |
4.0
Best choiceBased on 18,123 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 For
Showing 75 reviews from Texas driversSee all 7,558 State Farm reviews
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.
Verified Review
Reviewed in Texas on May 18, 2026
I spent hours on hold on the phone and spoke with multiple people who couldn't make a decision and had to talk to a manager. For what they charged, it was a terrible experience.
Verified Review
Reviewed in Texas on May 15, 2026
Very little communication - just when rates are increased. Agent never available - inquiries handled by office staff with not much clarification.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Each year, data analytics and consumer intelligence company J.D. Power releases an auto insurance study. This study is primarily focused on customer satisfaction. For 2025, State Farm ranks among the top insurance companies in Texas for customer satisfaction.
Not only that, but this insurer also offers cheap liability coverage, especially for teen drivers and older adults. If you want a hassle-free auto insurance experience and coverage that aligns with your budget, State Farm could be worth a look.
Pros
Above-average J.D. Power customer satisfaction rating in Texas
Large network of local insurance agents
Some of the cheapest liability coverage in Texas
Cons
Gap insurance not available
Negative customer reviews on Trustpilot
Fewer discounts than some competitors
GEICO: Best for military families
| 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 choiceBased on 18,220 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 For
Showing 75 reviews from Texas driversSee all 7,744 GEICO reviews
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!
Verified Review
Reviewed in Texas on May 14, 2026
Premium increases every renewal.
Verified Review
Reviewed in Texas on May 13, 2026
Skip GEICO and find another insurance company. My insurance went from $114 a month to $179 a month for no reason. I found much better coverage and a whole lot cheaper with State Farm.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
Veterans account for nearly 7% of the total population in Texas, and with 15 military installations, the state is also home to countless active-duty service members.[3] GEICO offers an exclusive car insurance discount of up to 15% for military members and veterans.
While State Farm’s coverage might be slightly cheaper, GEICO’s affiliation discount could tip the scales in terms of cost. It’s worth getting a quote from GEICO if you’re in the military and seeking new car insurance coverage.
Pros
Many available discounts
24/7 customer service
AM Best financial strength rating of A++ (Superior)
Cons
Below-average J.D. Power customer satisfaction rating in Texas
Few local agents
Pay-per-mile insurance isn’t available
Allstate: Best for discounts
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $62/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 |
3.8
A solid optionBased on 10,745 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 reviews from Texas driversSee all 4,444 Allstate reviews
Verified Review
Reviewed in Texas on May 20, 2026
Awesome! Best rates ever!
Verified Review
Reviewed in Texas on May 7, 2026
They pay for accidents, but the price is too high.
Verified Review
Reviewed in Texas on May 6, 2026
The rate goes up all the time for no reason. No accidents, no tickets, over 65.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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
Allstate offers a broad range of discounts, including a good student discount that could help lower young drivers’ insurance costs. Texas drivers can save for having specific car features, such as anti-lock brakes and anti-theft devices. This insurer also offers several discounts related to on-time payments and safe driving, making it a good choice if you have a clean driving record.
Pros
More available discounts than many competitors
AM Best financial strength rating of A+ (Superior)
Large network of local insurance agents
Cons
Pay-per-mile insurance isn’t available in Texas
Below-average J.D. Power customer satisfaction rating in Texas
Not the cheapest coverage available
Cheapest car insurance for Texas drivers with poor credit
While it’s illegal for insurers in some states to consider your credit history when calculating your insurance rates, this practice is legal in Texas. Drivers with poor credit often pay more for car insurance, as insurers may view them as more likely to file a claim.
By contrast, drivers with good or excellent credit often get lower rates. Other factors also affect the cost of car insurance, like your city, age, and ZIP code.
Here’s a quick cost comparison for how much Texas drivers with good credit and poor credit pay each month for a liability policy.
The below rates in Texas are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Quote: Good Credit | Average Quote: Poor Credit |
|---|---|---|
| State Farm | $43 | $63 |
| Allstate | $61 | $77 |
| Mile Auto | $62 | $78 |
| Progressive | $64 | $81 |
| GEICO | $68 | $86 |
| USAA | $77 | $96 |
| Freedom National | $84 | $106 |
| Mercury | $85 | $105 |
| First Acceptance | $88 | $111 |
| The General | $89 | $114 |
| Alinsco | $92 | $116 |
| Lone Star | $94 | $120 |
| Commonwealth Casualty | $95 | $121 |
| Nationwide | $97 | $121 |
| GAINSCO | $97 | $123 |
| Dairyland | $99 | $126 |
| Clearcover | $100 | $126 |
| Bristol West | $101 | $126 |
| Root | $102 | $127 |
| AssuranceAmerica | $105 | $133 |
| Covercube | $105 | $134 |
| Mendota | $105 | $134 |
| Excepsure | $110 | $140 |
| Safeco | $112 | $142 |
| Sun Coast | $112 | $143 |
| Direct Auto | $113 | $143 |
| National General | $114 | $144 |
| Loop | $119 | $151 |
| Elephant | $119 | $152 |
| Chubb | $130 | $212 |
| Trexis One | $135 | $171 |
| 21st Century | $151 | $189 |
| Hugo | $151 | $193 |
| Insurify Car | $156 | $199 |
| Liberty Mutual | $183 | $224 |
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.
Minimum car insurance requirements in Texas
Texas requires drivers to obtain the following car insurance coverages in order to be roadworthy:[4]
$30,000 per person
$60,000 per accident
$25,000
Bodily injury liability
Property damage liability
Your liability insurance will pay out if you’re at fault in a car accident that results in damage to another person’s vehicle or personal property. It’ll also pay for their medical bills if they’re hurt in the accident.
Texas minimum-liability coverage could be sufficient if you drive an older or high-mileage vehicle, though it doesn’t offer as much protection as full-coverage insurance. Likewise, opting for minimum coverage might save you money, but it could put you at risk if you get into an accident and the related expenses exceed your coverage limits.
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Texas Automobile Insurance Plan Association
Every company that sells auto insurance policies in Texas must participate in the Texas Automobile Insurance Plan Association (TAIPA). The non-profit TAIPA provides basic liability coverage (bodily injury and property damage), personal injury protection (PIP), and uninsured/underinsured motorist coverage.
To buy a TAIPA policy, you’ll need to demonstrate that at least two auto insurance companies have refused to cover you. If you qualify, TAIPA will assign your policy to a member insurer that must provide you with coverage.
TAIPA’s rates are higher than standard auto insurance rates. And you’ll pay even more if you have driving violations like tickets or accidents. If you don’t get into an accident or get any tickets for three years, your insurer must offer you a cheaper standard policy.
Car insurance discounts for low-income Texas drivers
Discounts are another great way to save some money on your auto policy. Here are some common ones to look for:
Bundling discount
You can often get a discount if you bundle multiple insurance products, such as auto and homeowners insurance, from the same company.
Vehicle safety feature discount
Many insurers also offer discounts for certain vehicle safety features, like anti-lock brakes or car alarms.
Good student discount
If you’re a student, you might be able to save on your car insurance by maintaining a certain GPA.
Safe driver discount
Drivers with clean records often get the best insurance rates, and you could get additional savings if you remain accident-free for a set time period.
Responsible payment discount
Insurance companies may give you a discount if you opt for automatic payments, pay your premium in full, or avoid missing payments for a set time period.
Low-income car insurance in Texas FAQs
If you’re still wondering about low-income car insurance in Texas, this additional information may help as you shop for a policy.
Does Texas have low-income car insurance?
Texas doesn’t have a state-sponsored program to help drivers pay for car insurance. It does have the Texas Automobile Insurance Plan Association (TAIPA) to help drivers find basic car insurance after at least two insurers have refused them coverage. But TAIPA’s rates are higher than standard policies, and your premiums will be even higher if you have accidents or tickets on your record.
Do EBT card holders get cheaper car insurance in Texas?
Texas doesn’t have an official EBT discount program. Individual insurers offer a variety of discounts, many of which can help low-income drivers better afford their premiums. Be wary of websites or ads that promise discounts based on EBT cards or income levels. The best way to find discounts is to ask your agent or insurance company if you’re getting every discount you qualify for.
Can you use EBT for car insurance in Texas?
No, you can’t use an EBT card to buy car insurance. People receiving Supplemental Nutrition Assistance get electronic benefits transfer (EBT) cards. Texas rules bar SNAP recipients from using their EBT cards for non-food items.
Which company has the cheapest car insurance company in Texas?
State Farm offers the cheapest auto insurance for Texas drivers, with monthly rates of $44 for liability-only coverage and $84 for full coverage.
How much is full-coverage car insurance in Texas?
Texas drivers pay an average of $207 per month for full-coverage car insurance. This is higher than the national full-coverage rate of $187 per month.
How do I get low-income car insurance in Texas?
The state of Texas doesn’t offer any special subsidies for low-income drivers seeking auto insurance. Instead, you’ll need to compare coverage options and get car insurance quotes from different companies to find low-cost coverage. Don’t forget to ask about any discounts you might be eligible for that could help you save more on your premiums.
What is the lowest form of car insurance required in Texas?
Texas law requires drivers to carry a minimum amount of liability insurance. You’ll need to purchase $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage.
Sources
- U.S. Health and Human Services, Office of the Assistant Secretary for Planning and Evaluation. "Prior HHS Poverty Guidelines and Federal Register References."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Texas Workforce Investment Council. "Veterans in Texas: A Demographic Study."
- Texas Department of Insurance. "Auto insurance guide."
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State Farm is the cheapest car insurance company for Abilene drivers, with rates at $35 per month. Local West Texas factors like severe thunderstorms and hail can increase your insurance rates.
Cheapest Car Insurance Quotes in Fort Worth (May 2026)
Fort Worth drivers can find the lowest car insurance rates from State Farm, with liability coverage averaging $43 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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Cheap Car Insurance Quotes in McAllen, Texas (May 2026)
State Farm has the cheapest car insurance in McAllen, at an average of $46 per month for liability coverage. McAllen faces severe storm threats, pushing its rates slightly above the state average.
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Cheapest Car Insurance Quotes in El Paso (May 2026)
State Farm is the cheapest insurer in El Paso, with an average monthly rate of $38 for liability-only coverage. El Paso’s relatively light traffic and low vehicle theft rate make it an affordable city for auto coverage.
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Cheapest Car Insurance Quotes in Houston (May 2026)
State Farm offers the cheapest car insurance in Houston, with liability rates averaging $58 per month. Houston’s hurricane exposure and high road congestion contribute to the city’s higher premiums.
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Cheap Car Insurance Quotes in Odessa, Texas (May 2026)
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 (May 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 (May 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 (May 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 (May 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 (May 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 (May 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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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
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Evelyn PimplaskarEditor-in-Chief, Director of Content
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