120+ more*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Cheapest car insurance company in Texas: State Farm
Cheapest car insurance rate in Texas: $53 per month
Average monthly liability-only car insurance cost in TX: $116
Average monthly full-coverage car insurance cost in TX: $215
Texas drivers can find the cheapest auto insurance from State Farm, Allstate, and Mile Auto. Here’s a look at average monthly car insurance quotes from top insurers in Texas. These quotes are for Texas drivers with clean driving records and good to excellent credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $53 | $108 |
| Allstate | $75 | $152 |
| Mile Auto | $76 | $170 |
| Progressive | $79 | $153 |
| GEICO | $86 | $189 |
| USAA | $95 | $192 |
| Mercury | $106 | $177 |
| First Acceptance | $110 | $279 |
| The General | $113 | $261 |
| Alinsco | $116 | $232 |
| Lone Star | $118 | $288 |
| Nationwide | $120 | $242 |
| Dairyland | $121 | $304 |
| Freedom National | $121 | $319 |
| Commonwealth Casualty | $122 | $280 |
| GAINSCO | $125 | $247 |
| Root | $126 | $216 |
| Clearcover | $126 | $226 |
| Bristol West | $127 | $252 |
| Mendota | $130 | $264 |
| Covercube | $131 | $314 |
| AssuranceAmerica | $134 | $266 |
| Sun Coast | $142 | $290 |
| Safeco | $142 | $217 |
| Direct Auto | $143 | $232 |
| National General | $145 | $248 |
| Loop | $149 | $283 |
| Elephant | $151 | $240 |
| Chubb | $162 | $327 |
| Trexis One | $166 | $351 |
| 21st Century | $187 | $377 |
| Liberty Mutual | $229 | $344 |
Many companies offer car insurance in Texas. Here are the best car insurance companies in Texas, based on thousands of reviews from verified Insurify customers and our proprietary scoring model that weighs data from J.D. Power, AM Best, and the National Association of Insurance Commissioners.
| User Reviews | 3.9 |
|---|---|
| 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. | $86/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. | $189/mo |
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.
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.
The fourth-largest car insurance company in Texas, GEICO gets high marks from reviewers for its coverage options, including mechanical breakdown insurance, classic car coverage, and emergency roadside services. While it doesn’t have the lowest full-coverage rates in Texas, GEICO offers a good balance of savings and robust coverages.
Insurify reviewers give GEICO 4 out of 5 points for coverage options
Competitive pricing for full coverage in Texas
Mechanical breakdown coverage available
Not the cheapest insurer available in Texas
Doesn’t offer rideshare or new car replacement coverage
Much higher average rates for drivers with accidents
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/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. | $152/mo |
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.
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.
Allstate offers some of the lowest rates in Texas for liability coverage. It also gets a strong rating from Insurify reviewers for its claims handling — 3.8 out of 5 points. Allstate is the third-largest auto insurer in Texas, with local agents in 211 Texas communities.
Low rates for minimum-coverage policies
Numerous discounts available
24/7 customer service available
Rates not the cheapest in Texas
Insurify reviewers rate it lower for overall value than some competitors
Below-average customer satisfaction in Texas, per J.D. Power
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/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. | $108/mo |
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.
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.
State Farm has the lowest average car insurance rates in Texas. The second-largest car insurance company in the state, State Farm offers multiple discounts that could help you save even more. For example, it offers Drive Safe & Save, good driving, multi-vehicle, bundling, and vehicle safety discounts in Texas.
Lowest rates in Texas
Insurify customers rate it 3.9 out of 5 for discounts
Scores above average in Texas for customer satisfaction, according to J.D. Power
Doesn’t offer accident forgiveness coverage
Gap insurance not available
May not be the cheapest option for drivers with violations
| User Reviews | 4.9 |
|---|---|
| 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. | $95/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. | $192/mo |
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.
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.
USAA consistently ranks well for customer service across multiple ratings sources. If you’re one of the 1.4 million veterans who live in Texas, or among the 100,000-plus active-duty service people stationed there, USAA is worth a look. Insurify customers give it 4.9 out of 5 points for overall experience and 4.9 for customer service.
Competitive rates for Texas drivers
Strong customer service ratings
Numerous specialized discounts for eligible members
Only available to members of the military community
Many cheaper competitors in Texas
No 24/7 customer phone support
To identify the four best car insurance companies for Texas drivers, we evaluated 200-plus regional and national companies. We analyzed thousands of user reviews from verified Insurify customers to identify which companies provided the best overall experience, claims and customer satisfaction, and overall value. Whenever available, we considered scores and rankings from third-party organizations, such as AM Best and J.D. Power. We assessed multiple data points to rate affordability, coverage options, available discounts, customer satisfaction, and financial strength.
Car insurance in Texas averages $116 per month for liability-only policies and $215 for full coverage. Texans pay more for car insurance than the national averages. Nationally, minimum coverage averages $97 per month, and full coverage averages $183 monthly.
Texas car insurance rates are expensive for multiple reasons, including:
Inflation: As inflation pushes up the cost of parts and labor in Texas, claims costs go up, and insurers raise rates to keep pace.
Weather risks: Vehicles in Texas are at risk of damage from severe storms, flooding, high winds, and wildfire. Insurers base rates on how likely they are to have to pay costly weather claims in an area.
Risky drivers: Nearly 15% of Texas drivers don’t have insurance. About 3% have speeding tickets, and more than 4% have caused an accident, Insurify data shows.
Costlier vehicles: Texas had the second-highest volume of new-car sales in 2024 of any state.[1] And the two most popular vehicles in the state — the F-Series pickup and Chevrolet Silverado — are among the most expensive to insure. Insurance costs more for new, high-value vehicles because the cost to repair or replace them is higher.
Within Texas, car insurance costs can vary dramatically. That’s because where you live in the state affects repair costs and risks like weather and traffic congestion.
The following table shows average monthly car insurance costs in various Texas cities, based on Insurify data.
City | Liability-Only Quotes | Full-Coverage Quotes |
|---|---|---|
| Abilene | $86 | $176 |
| Amarillo | $99 | $216 |
| Arlington | $125 | $217 |
| Austin | $125 | $214 |
| Balch Springs | $130 | $220 |
| Baytown | $136 | $239 |
| Beaumont | $134 | $227 |
| Big Spring | $87 | $190 |
| Brownsville | $119 | $211 |
| Bryan | $99 | $193 |
| Burleson | $110 | $202 |
| Cedar Park | $115 | $201 |
| Cleburne | $101 | $169 |
| Cleveland | $129 | $246 |
| College Station | $103 | $194 |
| Commerce | $91 | $176 |
| Conroe | $130 | $220 |
| Coppell | $114 | $193 |
| Corpus Christi | $130 | $211 |
| Corsicana | $91 | $182 |
| Dallas | $133 | $242 |
| Denton | $110 | $212 |
| Duncanville | $124 | $240 |
| El Paso | $98 | $190 |
| Forney | $124 | $227 |
| Fort Worth | $116 | $212 |
| Fresno | $150 | $257 |
| Friendswood | $122 | $208 |
| Frisco | $116 | $210 |
| Galveston | $128 | $208 |
| Garland | $137 | $237 |
| Georgetown | $109 | $192 |
| Grand Prairie | $128 | $225 |
| Grapevine | $108 | $184 |
| Greenville | $104 | $184 |
| Haltom City | $120 | $200 |
| Harlingen | $111 | $182 |
| Houston | $168 | $276 |
| Humble | $156 | $249 |
| Huntsville | $112 | $200 |
| Irving | $120 | $231 |
| Jacksonville | $95 | $213 |
| Katy | $149 | $246 |
| Keller | $118 | $201 |
| Killeen | $104 | $197 |
| La Porte | $136 | $208 |
| Lancaster | $128 | $233 |
| Laredo | $112 | $207 |
| League City | $129 | $198 |
| Leander | $118 | $210 |
| Lewisville | $115 | $196 |
| Lubbock | $101 | $207 |
| Lufkin | $99 | $183 |
| Mansfield | $121 | $216 |
| Mcallen | $133 | $216 |
| Mckinney | $118 | $213 |
| Mesquite | $131 | $243 |
| Midland | $97 | $208 |
| Mission | $135 | $225 |
| Montgomery | $129 | $225 |
| Nacogdoches | $101 | $179 |
| New Braunfels | $107 | $195 |
| Odessa | $103 | $228 |
| Pearland | $131 | $236 |
| Pflugerville | $127 | $214 |
| Plano | $123 | $209 |
| Rockwall | $136 | $241 |
| Round Rock | $114 | $206 |
| Rowlett | $132 | $234 |
| San Antonio | $125 | $221 |
| San Juan | $133 | $237 |
| San Marcos | $113 | $214 |
| Southlake | $128 | $187 |
| Spring | $146 | $237 |
| Sugar Land | $147 | $222 |
| Temple | $95 | $186 |
| Texarkana | $100 | $171 |
| Victoria | $97 | $178 |
| Waxahachie | $109 | $198 |
Texas minimum-coverage policies start at $53/mo.
Texas drivers can encounter a broad range of risks on the roads. Traffic congestion and vehicle theft rates can raise car insurance costs in large urban areas like Houston and Dallas. Galveston and Corpus Christi drivers must be mindful of potential storm and flood damage.
Personal factors, like age, gender, credit, and driving history, also affect Texas car insurance rates. And insurers each have their own formula for weighing these factors. Comparing car insurance quotes is the best way to ensure you find affordable insurance premiums.
To ensure you get the most accurate quotes:
Use a comparison platform that’s licensed to sell insurance in Texas. This allows you to see multiple quotes without having to visit individual insurer websites or make multiple phone calls.
Have your driver profile details ready. For example, you’ll need to share information like your age, gender, when you first got a license, your driving record, and more.
Be prepared to share important vehicle information, including the VIN, mileage, year, make, model, safety features, and more.
Get multiple quotes for the same coverage limits, deductibles, and optional coverages.
Texas law requires drivers to have a minimum amount of liability insurance to legally drive in the state. If you cause an accident, liability coverage pays for the other driver’s injuries and property damage.
Insurers must include personal injury protection coverage (PIP) and uninsured/underinsured motorist coverage in every policy they sell in Texas. If you don’t want these coverages, you must decline them in writing.[2]
Texas is an at-fault state, meaning claims go through the at-fault driver’s insurance policy. The following table shows the minimum car insurance requirements in Texas:
Coverage | Minimum Limits | Required or Optional? |
|---|---|---|
| Bodily injury liability per person | $30,000 | Required |
| Bodily injury liability per accident | $60,000 | Required |
| Property damage liability | $25,000 | Required |
| Personal injury protection (PIP) | $2,500 | Optional |
| Uninsured/underinsured motorist (UM/UIM) | Up to your policy’s liability limits | Optional |
Maintaining a clean driving record and comparing multiple quotes are the best ways to get cheaper car insurance. Texas drivers can also take some steps to help lower auto insurance costs, including:
Drop full coverage. Nearly 65% of Texas drivers own their vehicles outright. That means they don’t have a lienholder requiring them to have full coverage. It may make sense for some drivers with older or lower-value vehicles to drop collision and comprehensive coverages to save money.
Improve your credit. Texas allows insurance companies to consider your credit when setting your car insurance rates. The average credit score in Texas is 692 (very good), according to Experian.[3] If your score is below average, improving your credit could help you get lower insurance rates.
Ask for discounts. Most insurance companies offer discounts as a way to further reduce your costs. For example, most Texas drivers have good driving records, free of tickets, accidents, and DUIs, Insurify data shows. Those drivers might qualify for safe driver discounts.
Consider flexible payment options. If you want to avoid a large down payment or big monthly premium, look into policies that offer flexible payment schedules. For example, pay-per-mile coverage charges a low monthly rate plus a low per-mile rate, so you pay only for the miles you actually drive. You can also check out Insurify Car, which provides Texas state-minimum coverage that you pay for in seven-day increments and can cancel at any time.
Need more detailed information about car insurance in Texas? Here’s what you need to know about car insurance and driving in Texas.
Do you have to add your teenager to your car insurance in Texas?
How long can you stay on your parents’ car insurance in Texas?
Comparing quotes through Insurify could cut your bill up to 50%
Car insurance in Texas typically costs more than the national average, Insurify data shows. Since 2021, the average annual cost of car insurance in Texas has risen nearly 67%, from $1,560 to $2,601.
In 2025, rates fell more than 7% in Texas, according to Insurify’s 2026 Insuring the American Driver Report. In 2026, Insurify data scientists predict Texas car insurance rates will increase a modest 0.3%.
If you’re shopping for car insurance in Texas, the additional information below can help as you research policies and coverage options.
State Farm has the cheapest car insurance in Texas, according to Insurify data, with an average monthly premium of $53 for minimum coverage.
Progressive is cheaper in Texas, though the insurers have similar costs. Progressive’s monthly liability rate averages $79, and a liability policy with GEICO averages $86 per month.
Texas requires drivers to meet these minimum insurance requirements: $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident, and $25,000 in property damage coverage per accident.
Your credit history can affect your car insurance in the Lone Star State. Texas insurance companies can consider your credit-based insurance score when setting rates. This score tells them how likely you are to file a claim, so if you have bad credit, you may pay higher rates.
You can do several things to lower your car insurance costs in Texas, including comparing quotes from multiple insurers, increasing your deductible amount, enrolling in a telematics program, and asking your insurer which discounts you qualify for.
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:
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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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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