Cheapest Car Insurance for New Drivers in Texas (2026)
Liberty Mutual, State Farm, and Progressive are some of the best car insurance companies for new drivers in Texas.
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Insurers consider teen drivers, newly licensed adults, and drivers who have recently received a U.S. license to be new drivers. Insurance is essential for new drivers. But finding affordable coverage can be a challenge for people with little driving history.
While rates vary by location, teen drivers are the group that costs the most to insure. On average, teen drivers in Texas pay $215 per month for liability coverage and $402 for full coverage.
New drivers in Texas can lower their rates by comparing insurance quotes and focusing on companies that offer discounts geared toward students and new drivers.
Quick Facts
Who’s considered a new driver in Texas
The term “new driver” typically refers to teen drivers between the ages of 15 and 17 with provisional licenses. In addition, a new driver may also refer to immigrants with their first U.S. driver’s license. Many insurance companies view drivers with less than three years of experience as new drivers.
Parents or policyholders can add young drivers to their auto insurance policy only after the driver obtains a driver’s license. Texas doesn’t legally require teen drivers with a permit to have an insurance policy, but it’s always a good idea to let your insurance company know when you have a young driver in your home.
Once someone obtains their driver’s license (provisional or otherwise), they should have auto insurance. New drivers only have to provide proof of insurance on vehicles they own when they receive their license.[3]
Best car insurance for new drivers in Texas
Cost is a significant factor when shopping for insurance for new drivers, as a driver’s age and experience affect the policy’s premium.
Insurance companies view new drivers as posing a high risk for accidents and incidents, according to the Insurance Institute for Highway Safety.[4] A lack of experience on the road contributes to higher accident rates and, consequently, higher insurance rates.
When shopping around, these three companies are excellent car insurance options for new drivers in Texas.
Liberty Mutual: Best for custom auto policies
| User Reviews | 3.4 |
|---|---|
| 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. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $185/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. | $270/mo |
3.4
A solid option in TexasBased on 4,075 verified driver reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 11 reviews from Texas driversSee all 1,950 Liberty Mutual reviews
Verified Review
Reviewed in Texas on April 27, 2026
Liberty Mutual is too expensive compared to other options available.
Verified Review
Reviewed in Texas on April 8, 2026
Customer service is good. The price is high, but not as high as other brands.
Verified Review
Reviewed in Texas on January 30, 2026
My home is way undervalued. Even with the renewal policy, the home is undervalued. If my home needed to be replaced, I would not have fared well. With my new homeowner's policy with my new company, I now have more coverage at a lower price.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
617
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
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
Liberty Mutual isn’t the cheapest car insurance company for teen drivers in Texas, but it offers a wide range of discounts, including good student and safe-driver discounts. In addition, the ability to customize your policy by bundling products or lowering rates when your driver heads to college makes this insurer a good option.
Pros
Many available discounts
Accident forgiveness can reduce policy costs
Robust online and mobile tools for convenience
Cons
Higher rates than some other insurers
Below-average J.D. Power customer satisfaction rating in Texas
Negative customer reviews on Trustpilot
State Farm: Best for low-cost policies
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
4.1
Best choice in TexasBased on 18,783 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 7,655 State Farm reviews
Verified Review
Reviewed in Texas on June 16, 2026
Good but expensive.
Verified Review
Reviewed in Texas on June 14, 2026
Customer service isn’t any good on the company's part, but the agent level is great. They have a telematics program that has failed people with their discount, and they fail to take accountability for the technical hardware failure.
Verified Review
Reviewed in Texas on June 14, 2026
They are good. I haven’t had to use them yet, but in the past 50 years, I had them for 38 years with no problem!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm offers some of the lowest rates for teen drivers in Texas and offers discounts of up to 25% when customers add a teenager to their policy. In addition, State Farm offers an array of specialty discounts for teen and student drivers that can help reduce the cost of coverage even more. State Farm operates in all 50 states.
Pros
Wide range of discounts for new drivers
A++ (Superior) financial strength rating from AM Best
Robust safe-driving program
Cons
Negative customer reviews on Trustpilot
No gap coverage
Fewer discounts than some competitors
Progressive: Best for unique discounts
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 616 |
|---|---|
| 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. | 8.7 /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. | $64/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 |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 8,613 Progressive reviews
Verified Review
Reviewed in Texas on June 11, 2026
They are okay, but there is not a lot of flexibility with their rates.
Verified Review
Reviewed in Texas on June 9, 2026
I pay, they cover nothing special, and it costs too much.
Verified Review
Reviewed in Texas on June 7, 2026
Progressive has always had the absolute best customer service around. They are quick to respond and have always had fair pricing. I am almost 40 and felt I have been overpaying for insurance for a long time. This did cause me to shop around. It’s very awesome to be able to have lowered my monthly payment so much, finally, and be able to stay with Progressive. However, it is very much a shame that they didn’t already offer me this low rate. I have been a customer of theirs for years and always tend to come back. Occasionally it seems necessary to shop around to be able to lower my rate. And I have noticed every time my policy is coming up for renewal, no matter whom I am with, the rates just always seem to go up, even with a clean driving record and a great credit score.
…
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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
Progressive offers fairly competitive rates for teen drivers in Texas but provides unique discount options that could help lower your rates even more. In addition to good student discounts and multi-car discounts, you could qualify for discounts for signing your auto policy documents online, enrolling in a safe-driver program, securing your policy through an online quote, and renewing your policy.
Pros
Offers several discounts
A+ (Superior) financial strength rating from AM Best
Accident forgiveness coverage available
Cons
Below-average J.D. Power customer satisfaction rating in Texas
Rates may be higher for teen drivers than with some other companies
Progressive’s Snapshot program could lead to higher rates for high-risk driving behaviors
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for GEICO, Direct Auto, and Progressive are estimates based on Quadrant Information Services’ database of auto insurance rates.
In addition to rates, we considered the reported customer satisfaction metrics, IQ Score, and financial strength ratings to select the companies above.
Cheapest car insurance for new Texas drivers
When you purchase a car insurance policy for new drivers, especially teenage drivers, you may notice that the rates are much higher. On average, teen drivers between 16 and 19 are involved in more accidents than any other age group, and auto accidents are the No. 1 cause of death for U.S. teenagers.[5]
Lack of driving experience is a major contributing factor in auto accidents.
Experts typically recommend purchasing a full-coverage policy when you have a teenage driver. Full-coverage policies can help cover damage to your car as well as damage your teen causes to other vehicles, property, and people.
You might consider liability-only coverage if the vehicle’s value is extremely low and you need the cheapest auto insurance. To save money, consider adding your teen driver to an existing policy instead of getting them their own policy.
The table below outlines some of the cheapest car insurance rates available for teen drivers in Texas.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company  | Average Quote: Liability Only | Average Quote: Full Coverage | 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 | $43 | $85 | 9.3 |
| Allstate | $61 | $120 | 8.9 |
| Mile Auto | $63 | $140 | 8.8 |
| Progressive | $64 | $119 | 8.7 |
| GEICO | $70 | $147 | 9.2 |
| USAA | $77 | $152 | 9.1 |
| Mercury | $86 | $138 | 7.5 |
| First Acceptance | $88 | $215 | 0.0 |
| The General | $91 | $202 | 7.1 |
| Alinsco | $92 | $179 | 0.0 |
| Lone Star | $95 | $223 | 0.0 |
| Commonwealth Casualty | $97 | $213 | 6.1 |
| Nationwide | $97 | $191 | 9.0 |
| GAINSCO | $98 | $187 | 7.9 |
| Bristol West | $101 | $195 | 6.7 |
| Clearcover | $101 | $176 | 7.1 |
| Root | $102 | $168 | 7.9 |
| Dairyland | $103 | $243 | 7.7 |
| Covercube | $104 | $237 | 0.0 |
| Mendota | $106 | $206 | 0.0 |
| AssuranceAmerica | $107 | $198 | 5.8 |
| Sun Coast | $112 | $222 | 0.0 |
| Direct Auto | $114 | $180 | 8.3 |
| Safeco | $114 | $169 | 8.1 |
| National General | $116 | $192 | 7.0 |
| Loop | $120 | $220 | 0.0 |
| Elephant | $121 | $186 | 8.6 |
| Chubb | $132 | $258 | 7.1 |
| Trexis One | $137 | $283 | 0.0 |
| 21st Century | $152 | $298 | 7.3 |
| Liberty Mutual | $185 | $270 | 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 Insurance for New Drivers in Texas
Liability rates for teen drivers start at $86 per month
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Why new drivers pay more for car insurance in Texas
Newer drivers in Texas pay higher insurance rates due to their limited driving experience and lack of insurance history. Whether you’re a teen driver, an adult getting your first license, or new to the U.S., insurance companies see newly licensed drivers as higher-risk.
Because new drivers are statistically more likely to get into an accident and file a claim, insurers charge higher premiums to help offset that increased risk. Other factors also affect your rates, including your age, ZIP code, vehicle type, gender, and credit history.
The right coverage options and discounts can help new drivers meet Texas insurance requirements while keeping premiums affordable.
What type of car insurance should new drivers in Texas buy?
Texas law requires drivers to carry liability auto insurance to operate a motor vehicle. Liability insurance covers damages and bodily injuries to the other party in an accident when you’re at fault. It doesn’t cover your injuries or damages to your vehicle.
Texas requires drivers to have the following minimum coverages, expressed as 30/60/25:
$30,000 in bodily injury liability per person
$60,000 in bodily injury liability per accident
$25,000 in property damage liability
In addition to liability coverage, you may opt to purchase additional coverages, including:[6]
Collision coverage
Collision insurance pays for damages to your vehicle in an accident when you’re at fault.
Comprehensive coverage
Comprehensive insurance covers your car against non-collision incidents, such as fire, flood, hail, theft, and vandalism.
Medical payments coverage
Medical payments coverage pays for your medical expenses and those of your passengers.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re hit by a driver without insurance or who doesn’t have policy limits high enough to cover all your damages.
Roadside assistance coverage
With roadside assistance coverage, you can get help if your car breaks down or you lock your keys in your vehicle.
Car insurance discounts for new drivers in Texas
When you add a new driver to your policy, your insurance bill will likely increase. Fortunately, you can take advantage of some discounts for new drivers that could help reduce your rates:
Good student discount: Drivers may qualify for a good student discount if they maintain at least a B average in their classes. You may need to provide report cards to prove your student’s good grades.
Defensive driving course discount: Many companies offer discounts to drivers who participate in a defensive driving course. These classes teach skills to help avoid accidents and increase awareness on the road.
Student away at school discount: If your student driver will be away at college and won’t be driving while at school, you could qualify for discounted rates while they’re away and are driving less frequently.
Telematics/usage-based insurance discounts: New drivers can often save money by enrolling in a telematics program. Insurers use a mobile app to track driving behaviors, and safe driving over time can lead to significant driver discounts.
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How to get cheap car insurance as a new driver in Texas
Finding affordable insurance coverage can be tricky if you have a first-time driver, you’re a newly licensed adult driver, or you have a foreign license or a new U.S. driver’s license. In addition to a driver’s age, insurance companies look at a person’s driving history, ZIP code, marital status, and other factors when setting rates.
Texas drivers of all ages can do several things to help them find the best rate possible:
Compare rates from multiple companies. The best way to save money on your auto insurance is to compare insurance coverage and rates from at least three companies to ensure you get the best coverage for the best price.
Bundle policies. Bundling multiple insurance products — like home, auto, and life insurance — can often qualify you for lower rates and simplify premium payments.
Choose a vehicle with good safety features. Most insurance companies offer lower rates for cars with high safety ratings and safety features, like backup cameras and anti-lock brakes.
Improve your credit. In Texas, insurers can consider your credit history when setting car insurance rates. They view drivers with poor credit as more likely to file a claim, so they raise rates to account for the added risk. Improving your credit can help you get lower car insurance rates over time.
Drive safely. People with a good driving record typically pay the lowest rates for coverage. Practicing safe driving habits can help keep your premiums low.
Car insurance for new drivers in Texas FAQs
If you’re ready to start your search for insurance as a new driver in Texas but have a few more questions, check out the additional information below to find the best insurance in Texas for new drivers.
How much is car insurance for a new driver in Texas?
Teen drivers in Texas pay $215 per month for liability coverage and $402 per month for full coverage, according to Insurify data.
Do you need car insurance before registering a car in Texas?
Yes. Drivers in the Lone Star State must provide car insurance information when registering their vehicles. The insurance must meet the state’s minimum 30/60/25 requirements. If you’re caught driving without insurance coverage, you could face a fine of up to $350 for a first offense and up to $1,000 for subsequent offenses.
At what point in the car-buying process does a driver in Texas need to show proof of insurance?
You’ll need insurance at the time of purchase if you want to drive your new vehicle home. You have up to 30 days to register the car with the state after purchasing a vehicle.[7]
Do you need car insurance for a teen with a learner’s permit in Texas?
No. Parents and guardians aren’t required to carry auto insurance for a driver with a learner’s permit. But you should notify your insurance company that you have a permitted driver, and you’ll be required to purchase insurance once they pass their driver’s test and get a license.
Why is car insurance more expensive for new drivers in Texas?
New drivers in Texas pay higher insurance premiums because they have limited driving experience and are more likely to be involved in an accident or file a claim. The state’s high uninsured motorist rate and severe weather also contribute to higher car insurance costs for new drivers.
Can a new driver stay on their parents’ car insurance policy?
Yes. A new driver can typically stay on their parents’ insurance as long as they live at home, they’re a full-time student with their parents’ home address, and the car they drive isn’t solely in their name.
Sources
- Texas Department of Insurance. "Adding a teen driver to your insurance policy?."
- Texas Department of Insurance. "Auto insurance guide."
- Texas Department of Public Safety. "What to bring with you when applying for a Texas Driver License or Identification Card."
- Insurance Institute for Highway Safety. "Teenagers."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Texas Department of Motor Vehicles. "Vehicle Title and Registration Information for New Texans."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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On average, teen drivers in Texas pay $309 per month, but that number can change based on multiple factors.
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What Happens If Someone Borrows Your Car and Gets Into an Accident in Texas
If someone borrows your car in Texas, financial responsibility depends on their relationship with you, whether they had permission to borrow your car, and the purpose of their use.
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What Is 30/60/25 Insurance in Texas?
Texas law requires drivers to carry a minimum of 30/60/25 liability insurance.
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Can You Own a Car Without Insurance in Texas?
You’ll likely need insurance when you own a car in Texas, since the Lone Star State requires most drivers to provide proof of insurance to complete registration.
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How Long Do You Have to Get Insurance on a Used Car in Texas?
If you buy a used car in Texas, you’ll need insurance before you can drive it home. If you have an existing policy, it’ll cover the car for 20 days.
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How Long Can You Stay on Your Parents’ Car Insurance in Texas?
Texas has no official time limit for how long you can stay on your parents’ insurance, but you may need your own policy if you move out.
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How Long Do You Have to Get Insurance on a Used Car in Texas?
You need to get car insurance right away when you buy a used car. But if you already have car insurance, you may be able to use that coverage temporarily.
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Does a Vehicle Have to Be in Your Name to Insure It in Texas?
You generally can’t get insurance for a car you don’t own, but you have other options if you regularly drive someone else’s car.
Cheapest Car Insurance Quotes in Texas
State Farm offers the cheapest car insurance in Texas, with an average monthly premium of $43 for minimum coverage. Compare real-time quotes for Texas drivers and buy your policy online in minutes.
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Cheapest Car Insurance Quotes in Mesquite, Texas (June 2026)
The cheapest insurance company in Mesquite, Texas, is State Farm, with an average monthly premium of $49 for liability-only coverage. Mesquite’s high rate of accidents, fatal crashes, and exposure to wind and hurricanes play a part in its average premiums.
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Cheap Car Insurance Quotes in Katy, Texas (June 2026)
State Farm offers the cheapest car insurance in Katy, with an average rate of $51 per month. Several areas of the Katy Freeway are listed in the top 100 most congested road segments in Texas. Increased congestion has led to collision hot spots with crash rates above the state and national averages.
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Cheapest Car Insurance Quotes in Grand Prairie, Texas (June 2026)
State Farm is the cheapest insurer in Grand Prairie, with an average liability rate of $46 per month. Right in the middle of Dallas and Fort Worth, Grand Prairie experiences heavy traffic, which insurers consider when setting rates.
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Cheapest Car Insurance Quotes in Beaumont (June 2026)
The cheapest car insurance in Beaumont comes from State Farm, with an average liability-only rate of $47 per month. Beaumont’s location along the Gulf Coast, combined with an $850 million I-10/US 69 project that’s reshaping traffic patterns, puts extra pressure on local car insurance rates.
Cheapest Car Insurance Quotes in Plano, Texas (June 2026)
State Farm offers the lowest car insurance rates in Plano, charging an average of $43 per month for minimum coverage. Plano is generally a very safe place to drive, but plenty of Dallas-based traffic congestion flows through this affluent suburb, which can keep costs elevated.
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Cheapest Car Insurance Quotes in Galveston, Texas (June 2026)
State Farm is the cheapest auto insurance option in Galveston, with liability rates of $44 per month. Heavy congestion, especially during tourist season, affects the city’s rates.
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Cheapest Car Insurance Quotes in Brownsville, Texas (June 2026)
State Farm is the cheapest auto insurance company in Brownsville, with rates of $44 per month. Brownsville drivers face a seasonal risk of rain and wind damage from tropical storms, which increases full-coverage pricing.
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Cheapest Car Insurance Quotes in Huntsville (June 2026)
State Farm has the cheapest liability insurance in Huntsville, Texas, with rates as low as $42 per month. Even though Huntsville is at risk for hurricanes and flooding, the city’s rates are slightly lower than the state average.
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Cheapest Car Insurance Quotes in Denton (June 2026)
Most Denton drivers find that State Farm offers the lowest auto insurance rates, at $42 per month. Heavy traffic from I-35 and a seasonal abundance of college students can make driving in Denton challenging.
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Cheap Car Insurance Quotes in Killeen (June 2026)
State Farm offers the cheapest car insurance in Killeen, with an average liability-only price of $39 per month. Heavy traffic along U.S. 190 and near Fort Hood also influences costs in the area.
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Cheapest Car Insurance Quotes in San Antonio (June 2026)
State Farm offers San Antonio drivers the lowest car insurance rates, at $45 per month. San Antonio’s heavy traffic congestion contributes to its higher-than-average car insurance costs.
Cheapest Car Insurance Quotes in Dallas (June 2026)
State Farm offers Dallas drivers the cheapest car insurance rates, at $49 per month for liability coverage. But Dallas drivers face above-average rates, possibly due to heavy traffic congestion and high vehicle theft rates.
Cheapest Car Insurance Quotes in Lubbock, Texas (June 2026)
State Farm is the best option for cheap car insurance in Lubbock, with rates starting at $40 per month. Find out how to compare car insurance rates to get the best deal.
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Cheap Car Insurance Quotes in Garland, Texas (June 2026)
State Farm has the lowest average car insurance rates in Garland, at $49 per month for liability coverage. Garland is a suburb of Dallas, so it sees more commuting congestion, higher vehicle theft rates, and higher car insurance costs.
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Cheapest Car Insurance Quotes in San Marcos, Texas (June 2026)
State Farm offers the cheapest car insurance quotes in San Marcos, with rates at $41 per month. San Marcos is at risk of natural hazards, like tornadoes, hail, and wildfires, which can affect the cost of car insurance.
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Cheapest Car Insurance Quotes in Laredo (June 2026)
State Farm has the cheapest car insurance in Laredo, with average rates of $42 per month. Heavy traffic on U.S. Highway 83 and Interstate 35 can influence local rates.
Cheap Car Insurance Quotes in Abilene, Texas (June 2026)
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 (June 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 (June 2026)
State Farm has the cheapest car insurance in McAllen, at an average of $47 per month for liability coverage. McAllen faces severe storm threats, pushing its rates slightly above the state average.
Cheapest Car Insurance Quotes in Port St. Lucie, Florida (June 2026)
State Farm provides the cheapest car insurance in Port St. Lucie, with an average liability rate of $74 per month. Storm flooding can affect driving conditions in Port Saint Lucie, especially on roads like Westmoreland Boulevard, Morningside Boulevard, Ballantrae, and Tesoro.
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Cheapest Car Insurance Quotes in El Paso (June 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.
Cheapest Car Insurance Quotes in Spring, Texas (June 2026)
The cheapest insurance in Spring, Texas, is available from State Farm, averaging $49 per month. Heavy traffic on Interstate 45 and car theft can affect rates.
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Cheap Car Insurance Quotes in New Braunfels, Texas (June 2026)
State Farm has the cheapest car insurance in New Braunfels, with an average monthly liability rate of $39. Visiting and residential drivers should stay alert to the major roadway improvement projects taking place over the next few years.
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Cheapest Car Insurance Quotes in Houston (June 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 (June 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 (June 2026)
Drivers in Irving, Texas, can find the cheapest rates with State Farm, at $46 per month. Irving’s premiums may be influenced by its thousands of traffic crashes each year and heavy commuter traffic through the Dallas-Fort Worth metro area.
Cheap Car Insurance Quotes in Corpus Christi, Texas (June 2026)
State Farm offers the best rates on Corpus Christi car insurance, at $45 per month for minimum coverage. Auto theft rates are high, though, making full coverage worth the extra cost.
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Cheap Car Insurance Quotes in Austin, Texas (June 2026)
State Farm offers the cheapest liability car insurance rates in Austin, at $45 per month. The city’s high vehicle theft rate increases insurers’ risk and drives up costs for Austin drivers.
Cheap Car Insurance Quotes in Arlington, Texas (June 2026)
State Farm offers some of the cheapest car insurance in Arlington, Texas, with an average monthly premium of $45 for liability coverage. Event traffic around AT&T Stadium and congestion along I-20 and I-30 may influence crash risk and insurance rates.
Cheapest Car Insurance Quotes in Amarillo (June 2026)
State Farm offers Amarillo drivers the most affordable car insurance, followed by Allstate and Progressive. With a lower population than many Texas cities, Amarillo drivers pay lower car insurance rates than the rest of the Lone Star State.
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Cheapest Car Insurance Quotes in Midland, Texas (June 2026)
The cheapest car insurance in Midland is from State Farm, with liability rates of $40 per month. Heavy, oilfield‑related traffic in areas like Loop 250 and Interstate 20 increases collision risk and affects how much you’ll pay for coverage.
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Angela BrownFreelance Personal Finance Writer
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