Cheapest Auto Insurance in Texas (2025)

Car insurance rates are rising across the country, and Texas is no exception. The average Texas driver pays $178 per month for auto insurance, according to Insurify data.

Full-coverage auto insurance costs Texans an average of $230 per month — more than the national average of $195. A liability-only insurance policy costs an average of $125 per month in Texas, compared to the national average of $107.

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.

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
GEICO	9.2	$194	$131
Allstate	8.9	$112	$65
USAA	9.1	$142	$82

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 55,000 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

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User Reviews	4.0 6,431 reviews
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.	$131/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.	$194/mo

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Driver Reviews

4.0

Best choiceBased on 11,987 verified guest reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,431)

Deejane

June 30, 2025

Verified Review

Geico Forever

All good for over 50 years.

Joshua

June 30, 2025

Verified Review

GEICO has the best rates

Thank you for your service.

Amanda

June 28, 2025

Verified Review

GEICO

GEICO has the best rate for the coverage I need. Their customer service can be hit or miss, but for the most part, it has been good.

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Our Advice

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, 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

Allstate

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User Reviews	3.9 3,653 reviews
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.	$65/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.	$112/mo

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Driver Reviews

3.9

A solid optionBased on 6,851 verified guest reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,653)

David

June 28, 2025

Verified Review

Insurance

It's hard to get a hold of an agent. Agencies switched, resulting in a lot of back-and-forth phone calls.

Leeland

June 26, 2025

Verified Review

Frustrating

Don't use this company. A fire in California will raise your rates even if you don't live there.

Hope

June 25, 2025

Verified Review

Good

It's been fine until the rates went up without notification.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

646

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

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

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

USAA

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User Reviews	4.9 1,192 reviews
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.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$82/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$142/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,100 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

710

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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

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

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 $46 per month

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Based on 3,806+ reviews

4.8/5

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 $125 per month. Take a look at the cheapest liability-only insurers in the table below.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$46
Allstate	$65
Mile Auto	$69
USAA	$82
Mercury	$96
Progressive	$102
Nationwide	$103
Root	$119
Dairyland	$121
The General	$125
Bristol West	$126
Safeco	$129
AssuranceAmerica	$130
GEICO	$131
Clearcover	$134
Commonwealth Casualty	$134
Chubb	$139
National General	$144
Direct Auto	$146
GAINSCO	$154
Elephant	$156
21st Century	$160
Foremost	$201
Liberty Mutual	$256
Hugo	$305
State Auto	$307

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $125 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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$80
Allstate	$112
Mile Auto	$141
USAA	$142
Mercury	$162
Progressive	$176
Nationwide	$178
GEICO	$194
Safeco	$210
Clearcover	$221
Root	$222
Chubb	$241
Elephant	$248
The General	$248
Direct Auto	$253
National General	$261
Bristol West	$264
21st Century	$278
AssuranceAmerica	$284
GAINSCO	$315
Dairyland	$328
Liberty Mutual	$341
Commonwealth Casualty	$363
Foremost	$423
State Auto	$534

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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:

• 

  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.

• 

  Collision coverage

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

• 

  Comprehensive coverage

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

• 

  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.

• 

  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.

• 

  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 $198 per month for auto insurance — noticeably more than drivers with clean records, who pay $151.

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 $142 for drivers with an incident

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Based on 3,806+ reviews

4.8/5

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 $271 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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$46	$55
Allstate	$65	$78
Mile Auto	$69	$79
USAA	$82	$98
Mercury	$96	$125
Progressive	$102	$122
Nationwide	$103	$124
Root	$119	$153
Dairyland	$121	$145
The General	$125	$158
Bristol West	$126	$153
Safeco	$129	$159
AssuranceAmerica	$130	$150
GEICO	$131	$155
Clearcover	$134	$166
Commonwealth Casualty	$134	$165
Chubb	$139	$167
National General	$144	$172
Direct Auto	$146	$176
GAINSCO	$154	$176
Elephant	$156	$180
21st Century	$160	$197
Foremost	$201	$248
Liberty Mutual	$256	$316
Hugo	$305	$364
State Auto	$307	$373

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $285 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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
State Farm	$46	$57
Allstate	$65	$81
Mile Auto	$69	$87
USAA	$82	$103
Mercury	$96	$133
Progressive	$102	$131
Nationwide	$103	$130
Root	$119	$153
Dairyland	$121	$152
The General	$125	$163
Bristol West	$126	$159
Safeco	$129	$171
AssuranceAmerica	$130	$154
GEICO	$131	$163
Clearcover	$134	$189
Commonwealth Casualty	$134	$168
Chubb	$139	$174
National General	$144	$179
Direct Auto	$146	$188
GAINSCO	$154	$187
Elephant	$156	$194
21st Century	$160	$204
Foremost	$201	$257
Liberty Mutual	$256	$327
Hugo	$305	$389
State Auto	$307	$390

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $280 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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
State Farm	$46	$62
Allstate	$65	$87
Mile Auto	$69	$93
USAA	$82	$110
Mercury	$96	$131
Progressive	$102	$137
Nationwide	$103	$139
Root	$119	$160
Dairyland	$121	$163
The General	$125	$168
Bristol West	$126	$169
Safeco	$129	$181
AssuranceAmerica	$130	$175
GEICO	$131	$160
Clearcover	$134	$180
Commonwealth Casualty	$134	$180
Chubb	$139	$187
National General	$144	$194
Direct Auto	$146	$196
GAINSCO	$154	$207
Elephant	$156	$210
21st Century	$160	$215
Foremost	$201	$270
Liberty Mutual	$256	$344
Hugo	$305	$410
State Auto	$307	$413

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $103 for liability-only car policies and $190 for full coverage. Many insurers also offer discounts to seniors with clean driving records.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
State Farm	$45	$26
Allstate	$70	$41
Mile Auto	$84	$41
Progressive	$86	$50
USAA	$91	$52
Nationwide	$97	$56
Mercury	$112	$66
Chubb	$128	$74
GEICO	$136	$92
Direct Auto	$154	$89
National General	$154	$85
Safeco	$156	$96
Root	$156	$83
The General	$160	$81
21st Century	$164	$94
Clearcover	$167	$101
Elephant	$168	$106
Bristol West	$173	$82
AssuranceAmerica	$181	$83
Dairyland	$218	$80
Liberty Mutual	$228	$171
GAINSCO	$228	$112
Commonwealth Casualty	$246	$91
Foremost	$300	$142
State Auto	$321	$185

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $243 and $447 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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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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Insurance Company	Full Coverage	Liability Only
State Farm	$154	$88
Allstate	$224	$130
USAA	$265	$153
Mile Auto	$295	$144
Mercury	$311	$184
Progressive	$332	$192
Nationwide	$350	$202
GEICO	$377	$255
Root	$388	$208
Clearcover	$407	$247
The General	$435	$219
Elephant	$440	$277
Safeco	$440	$270
Bristol West	$486	$232
Direct Auto	$510	$294
Chubb	$518	$299
21st Century	$524	$301
National General	$544	$300
Dairyland	$562	$207
AssuranceAmerica	$574	$263
GAINSCO	$602	$295
Liberty Mutual	$629	$472
Commonwealth Casualty	$679	$251
Foremost	$824	$392
State Auto	$1,306	$751

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. 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.

Texas car insurance FAQs