Cheapest Auto Insurance in Texas (2025)

Car insurance rates are rising across the country, and Texas is no exception. The average Texas driver pays $168 per month for auto insurance, according to Insurify data.

Full-coverage auto insurance costs Texans an average of $214 per month — more than the national average of $179. A liability-only insurance policy costs an average of $121 per month in Texas, compared to the national average of $101.

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.

6 of the cheapest car insurance companies in Texas

The insurers below are some of the cheapest car insurance companies in Texas.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $139/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $110/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $139/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $78/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $145/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $61/mo*
Overall rating 3.9 6,667 reviews	Overall rating 3.9 3,807 reviews	Overall rating 4.9 1,263 reviews	Overall rating 4.0 6,298 reviews	Overall rating 3.3 7,264 reviews	Overall rating 4.3 136 reviews
Value for money 3.8/5	Value for money 3.5/5	Value for money 4.9/5	Value for money 3.8/5	Value for money 3.3/5	Value for money 3.5/5
Customer service 3.9/5	Customer service 3.8/5	Customer service 4.7/5	Customer service 4.1/5	Customer service 3.4/5	Customer service 3.8/5
Claims handling 4.1/5	Claims handling 3.9/5	Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 3.5/5	Claims handling 3.9/5
Special highlight AI-generated from 6667 user reviews Teen drivers	Special highlight AI-generated from 3807 user reviews Accident forgiveness	Special highlight AI-generated from 1263 user reviews Members of the military community	Special highlight AI-generated from 6298 user reviews Customer service	Special highlight AI-generated from 7264 user reviews Competitive rates	Special highlight AI-generated from 136 user reviews Cheap rates

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Finding the best car insurance in Texas is about balancing cost with coverage and finding discounts to help you save. GEICO, Allstate, and USAA are some of Insurify’s top car insurance picks for Texas drivers.

GEICO

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User Reviews	3.9 6,667 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.	$104/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.	$173/mo

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Driver Reviews

3.9

A solid optionBased on 12,644 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 (6,667)

Penelope

Verified Review

Great experience

Reviewed in Florida on October 2025

Ruben was very polite and helped me a lot.

Matthew

Verified Review

Geico

Reviewed in New Jersey on October 2025

I've only had one claim and Geico was all over it. They handled everything.

Donna

Verified Review

Not happy with them

Reviewed in Massachusetts on October 2025

I was paying $81 a month and now it's $184. Too expensive.

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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 3,807 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.	$83/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.	$137/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 7,320 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 (3,807)

Richard

Verified Review

It seems like at Allstate, as with many insurance companies, they raise the rates every year even if you don’t have any issues. State Farm is 40% cheaper.

Reviewed in Texas on October 2025

It seems like at Allstate, as with many insurance companies, they raise the rates every year even if you don’t have any issues. State Farm is 40% cheaper.

Helene

Verified Review

Limited Interaction with Allstate Personnel

Reviewed in Florida on October 2025

Ask about specific expenses.

Irwin

Verified Review

Good service, not always the lowest rates

Reviewed in Florida on October 2025

I’ve had no issues communicating with my Allstate agent. I naively believed they would always look for the best rates for me. When I started shopping, I saw that wasn’t the case. I think it’s the company policy and not the local agents.

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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

Compare Quotes

User Reviews	4.9 1,263 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.	$104/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.	$173/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,265 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 (1,263)

Joe

Verified Review

Car Insurance Rates

Reviewed in Delaware on October 2025

Overall good. However, more than once I was sent emails stating I did not pay insurance for the month. I set it up monthly. They charged me double the next month. Plus, my rate of $99 for minimum coverage went to $137. I am going to investigate this. I am not going to pay that, though most companies are higher.

Halbert

Verified Review

Good

Reviewed in Michigan on October 2025

Lowering car insurance rates!

Gary

Verified Review

Hard to beat USAA

Reviewed in West Virginia on October 2025

I have both auto and home insurance with USAA, and they are great!

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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

Calculate how much your Texas car insurance might cost

See how much you might pay for a Texas car insurance policy using the calculator below.

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 $59 per month

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Based on 7,669+ 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 $121 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, October 6 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	$59
Mile Auto	$71
Hugo	$80
Allstate	$83
Progressive	$101
USAA	$104
GEICO	$104
Mercury	$108
Root	$115
Dairyland	$118
Bristol West	$122
The General	$122
AssuranceAmerica	$128
Commonwealth Casualty	$128
Nationwide	$131
GAINSCO	$136
Clearcover	$136
Safeco	$138
Direct Auto	$147
National General	$149
Elephant	$157
Chubb	$177
21st Century	$205
Liberty Mutual	$262

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 $121 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, October 6 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	$97
Allstate	$137
Mile Auto	$147
Mercury	$167
USAA	$173
GEICO	$173
Progressive	$189
Root	$210
Safeco	$215
Nationwide	$218
Clearcover	$219
Direct Auto	$237
The General	$240
Elephant	$244
Bristol West	$250
National General	$258
GAINSCO	$274
AssuranceAmerica	$278
Chubb	$294
Commonwealth Casualty	$318
Dairyland	$339
21st Century	$339
Liberty Mutual	$342

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 $183 per month for auto insurance — noticeably more than drivers with clean records, who pay $140.

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 $140 for drivers with an incident

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Based on 7,669+ 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 $257 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, October 6 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	$59	$72
Mile Auto	$71	$84
Hugo	$80	$107
Allstate	$83	$103
Progressive	$101	$121
USAA	$104	$129
GEICO	$104	$132
Mercury	$108	$148
Root	$115	$149
Dairyland	$118	$144
Bristol West	$122	$150
The General	$122	$158
AssuranceAmerica	$128	$148
Commonwealth Casualty	$128	$148
Nationwide	$131	$163
GAINSCO	$136	$160
Clearcover	$136	$175
Safeco	$138	$176
Direct Auto	$147	$181
National General	$149	$182
Elephant	$157	$184
Chubb	$177	$217
21st Century	$205	$259
Liberty Mutual	$262	$323

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 $274 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, October 6 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	$59	$75
Mile Auto	$71	$93
Hugo	$80	$105
Allstate	$83	$107
Progressive	$101	$130
USAA	$104	$134
GEICO	$104	$129
Mercury	$108	$156
Root	$115	$146
Dairyland	$118	$153
Bristol West	$122	$157
The General	$122	$164
AssuranceAmerica	$128	$153
Commonwealth Casualty	$128	$166
Nationwide	$131	$170
GAINSCO	$136	$171
Clearcover	$136	$196
Safeco	$138	$189
Direct Auto	$147	$196
National General	$149	$193
Elephant	$157	$201
Chubb	$177	$227
21st Century	$205	$268
Liberty Mutual	$262	$340

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 $265 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, October 6 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	$59	$79
Mile Auto	$71	$96
Hugo	$80	$108
Allstate	$83	$112
Progressive	$101	$125
USAA	$104	$140
GEICO	$104	$135
Mercury	$108	$152
Root	$115	$152
Dairyland	$118	$159
Bristol West	$122	$164
The General	$122	$164
AssuranceAmerica	$128	$172
Commonwealth Casualty	$128	$172
Nationwide	$131	$176
GAINSCO	$136	$183
Clearcover	$136	$183
Safeco	$138	$201
Direct Auto	$147	$198
National General	$149	$201
Elephant	$157	$211
Chubb	$177	$238
21st Century	$205	$276
Liberty Mutual	$262	$353

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 $102 for liability-only car policies and $181 for full coverage. Many insurers also offer discounts to seniors with clean driving records.

The below rates are estimated rates current as of: Monday, October 6 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	$58	$35
Allstate	$90	$55
Mile Auto	$95	$46
GEICO	$108	$65
Mercury	$114	$74
USAA	$116	$70
Nationwide	$126	$76
Progressive	$139	$74
Root	$148	$81
Direct Auto	$155	$96
National General	$162	$94
Chubb	$165	$99
Safeco	$165	$106
The General	$168	$85
Bristol West	$173	$84
Clearcover	$173	$108
Elephant	$175	$112
AssuranceAmerica	$182	$84
GAINSCO	$208	$103
21st Century	$214	$129
Commonwealth Casualty	$223	$90
Liberty Mutual	$234	$179
Dairyland	$238	$83

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 $238 and $421 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, October 6 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	$193	$118
Allstate	$280	$169
Mile Auto	$313	$151
Mercury	$325	$210
GEICO	$325	$195
USAA	$331	$199
Progressive	$372	$199
Root	$381	$209
Clearcover	$387	$240
The General	$434	$220
Elephant	$439	$283
Nationwide	$440	$264
Safeco	$444	$285
Bristol West	$465	$227
Direct Auto	$482	$299
GAINSCO	$534	$265
National General	$543	$313
AssuranceAmerica	$579	$267
Dairyland	$587	$204
Commonwealth Casualty	$608	$245
Liberty Mutual	$629	$482
Chubb	$637	$383
21st Century	$640	$387

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