Cheap Car Insurance for Teen Drivers in Texas (2026)
State Farm is the cheapest insurer for Texas teens, with an average liability rate of $87 per month.
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Written byJessica Martel
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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Quick Facts
The average cost of full-coverage car insurance for teens in Texas is $405 per month, compared to $206 per month for all Texas drivers.
With an average liability rate of $87 per month, State Farm is the cheapest insurer in Texas for teen drivers.
Car crashes are the leading cause of teen deaths in Texas, which increases insurance rates.[1]
Cheapest car insurance for teens in Texas
Teen drivers in Texas pay an average of $405 per month for full-coverage car insurance and $215 for liability-only insurance. That said, these prices are for individual teen policies. It’s often cheaper to add a teen to an existing policy.
For example, while a full-coverage policy for a teen averages $405 per month, it costs only $304 per month if they join a family policy. That’s a difference of $101 per month.
The following table shows average monthly car insurance quotes for teens in Texas, based on Insurify data.
The below rates in Texas are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company  | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $171 | $87 |
| Progressive | $229 | $123 |
| Allstate | $246 | $125 |
| Mercury | $262 | $163 |
| Root | $265 | $161 |
| GEICO | $276 | $131 |
| USAA | $291 | $148 |
| Mile Auto | $295 | $134 |
| Clearcover | $301 | $173 |
| GAINSCO | $347 | $181 |
| Elephant | $347 | $225 |
| Alinsco | $352 | $180 |
| Safeco | $355 | $239 |
| Bristol West | $359 | $186 |
| Direct Auto | $362 | $232 |
| The General | $378 | $170 |
| Nationwide | $386 | $196 |
| National General | $397 | $240 |
| Mendota | $403 | $207 |
| Commonwealth Casualty | $417 | $191 |
| First Acceptance | $422 | $172 |
| AssuranceAmerica | $426 | $229 |
| Loop | $430 | $235 |
| Sun Coast | $434 | $219 |
| Lone Star | $436 | $186 |
| Dairyland | $444 | $185 |
| Covercube | $465 | $203 |
| Liberty Mutual | $492 | $337 |
| Chubb | $546 | $281 |
| Trexis One | $552 | $268 |
| 21st Century | $554 | $284 |
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.
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Best car insurance companies for teens in Texas
State Farm, GEICO, and USAA are three of our top picks for the best car insurance companies for teens in Texas. We chose these insurers based on various factors, including rates, teen-friendly features, and customer reviews and satisfaction.
State Farm: Best for discounts for teens in Texas
| 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. | $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 |
4.0
Best choice in TexasBased on 18,476 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 7,609 State Farm reviews
Verified Review
Reviewed in Texas on June 4, 2026
My wife and I recently moved away from ST Farm after 45 years because their rates skyrocketed and their claims service was terrible. Our agent admitted to us that their rates were much more expensive to help cover the class action lawsuits.
Verified Review
Reviewed in Texas on June 3, 2026
Excellent agent, but car insurance with State Farm is too expensive!
Verified Review
Reviewed in Texas on May 26, 2026
It took too long for State Farm to approve funds for repairs.
…
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 Texas teens a variety of discounts, including those for completing an approved driver education course. Teens can also save up to 25% if they maintain good grades. Plus, you can get an away-at-school discount if your teen is a student and only uses the car when they visit home.
Pros
Online quotes available
Affordable car insurance rates
Save up to 30% with Drive Safe & Save
Cons
Poor Trustpilot rating
Accident forgiveness not available
Gap insurance not available
GEICO: Best telematics program for teens in Texas
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $147/mo |
4.0
Best choice in TexasBased on 18,538 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 7,786 GEICO reviews
Verified Review
Reviewed in Texas on May 22, 2026
Geico has been really good to me, paying claims very fast.
Verified Purchase
Reviewed in Texas on May 22, 2026
Unbeatable price for the coverage options.
Verified Review
Reviewed in Texas on May 17, 2026
They raise rates without explanation, and it’s expensive for what you get. I can’t afford it!
…
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
Teens can save 15% just for enrolling in GEICO’s Drive Easy telematics program. Teens use an app to track their driving and get a discount for practicing safe driving habits. GEICO also offers discounts for students who maintain a B average or higher. The company also has multi-vehicle and multi-policy discounts to help families with teens save on coverage.
Pros
Highly rated app
Online quotes available
Good student discount available
Cons
Below-average claims satisfaction
Low Trustpilot rating
Gap coverage not available
USAA: Best for military families with teens in Texas
| 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. | $77/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 |
4.9
Best choice in TexasBased on 3,728 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 44 reviews from Texas driversSee all 1,586 USAA reviews
Verified Review
Reviewed in Texas on May 23, 2026
Get a copy of the policy before you commit. The website is hard to navigate.
Verified Review
Reviewed in Texas on May 19, 2026
USAA is too costly, changes policy without consent, and is a nightmare to deal with on claims. Our last claim, they offered us a final offer of exactly half what our vehicle was worth. We had to hire an independent appraiser, they wouldn’t honor his appraisal, then we had to pay for a mediator to get even near what the vehicle was worth. Our own insurance company fought us at every turn for what our vehicle was obviously worth. The policy has gone up more than 4 times our initial quote. I don’t know why we stuck with them for so long. Quotes from other companies put our 6-month price less than 1 month of USAA’s prices. We are dumping them as soon as possible. It isn’t the same USAA it was 20 years ago. We have good credit and clean driving records. The last thing we want after being in an accident is to have to fight with our own provider that we were paying top dollar for. Our payout finally came after 1 year of dealing with them, hiring our own appraisal, and paying for mediation. My only advice is if you use USAA and get into an accident, immediately hire an attorney to deal with it all for you; otherwise, stay away from this company at all costs. They are not worth the high premiums they charge.
Verified Review
Reviewed in Texas on May 14, 2026
The rates are too high. They are astronomically ridiculous regardless of whether or not I've had a collision.
…
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
With active-duty military installations throughout the state, many Texas families can benefit from USAA coverage. USAA provides coverage exclusively to military members, veterans, and their family members. If you qualify, you can save money with good student, driver training, and multi-vehicle discounts.
Pros
Highly rated mobile app
Above-average claims satisfaction rating
Online quotes available
Cons
Limited eligibility
Low Trustpilot rating
24/7 customer phone support not available
Best car insurance discounts for TX teens
Many insurance companies in Texas offer teen driver discounts to help lower car insurance costs. While discounts vary by insurer, some common options include:
Defensive driving course: Younger drivers may qualify for a discount for completing an approved defensive driving course.[2]
Good student: Teen drivers in Texas can save money by maintaining good grades, usually a B average or higher.
Safe driver: Using a telematics app to track your teens’ driving habits can help keep costs down, as long as they practice safe driving habits.
Multi-vehicle: Families with more than one vehicle can often qualify for a multi-car discount.
Why is car insurance so expensive for teen drivers in Texas?
Teen drivers tend to be riskier to insure, so companies typically charge them higher rates. Local Texas factors also affect rates, including:
High crash rates: While teens and young adults make up 9% of the population in Texas, they accounted for 19% of all motor vehicle crashes in 2024.[3] Higher crash rates increase insurance premiums because you’re more likely to file a claim.
Unsafe driving behaviors: Younger Texas drivers often have riskier driving habits, like speeding, distracted driving, and not wearing a seat belt.[4]
Uninsured drivers: Nearly 12% of Texas drivers don’t have car insurance.[5] A higher rate of uninsured drivers leads to higher premiums.
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Texas car insurance requirements for teen drivers
All Texas drivers must have minimum liability coverage. You need at least $30,000 per person and $60,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.[6]
All insurance policies in Texas also include personal injury protection (PIP) and uninsured/underinsured motorist (UM/UIM) coverage. But you can decline these coverages in writing.
The following table shows the required and optional minimum coverage limits required in Texas.
Coverage Type | Minimum Amount | 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 | $30,000 / $60,000 / $25,000 | Optional |
To get a Texas driver’s license, teens must complete a graduated driver’s license (GDL) program. The program consists of two phases:
First phase: Teens can apply for their learner’s license at age 15 after completing the classroom portion of a state-approved driver’s education course. Young drivers must have their learner’s license for at least six months before moving to the next phase.[7]
Second phase: At age 16, teens can apply for a provisional license after completing the behind-the-wheel education requirements. The provisional license allows them to drive independently, but with some restrictions.[8]
Consequences for teens driving without insurance in Texas
Consequences for teens caught driving without insurance include fines, higher insurance rates, and suspension of their license or vehicle registration. Fines for a first offense range from $175 to $350. Fines can increase to more than $1,000 for repeat offenses.[9]
Texas uses the TexasSure program to reduce the number of uninsured drivers in the state. TexasSure is an electronic program that verifies the accuracy of insurance information, making it harder to drive without insurance.
How to get cheaper car insurance for teen drivers in Texas
Teens pay some of the highest insurance rates in Texas compared to other age groups. But you have ways to lower your costs, including:
Complete a driver education course. Texas teens who complete a driver’s education course may qualify for a discount.
Maintain good grades. Many Texas insurers offer good student discounts to teens who maintain at least a B grade average.
Practice safe driving. Many insurance companies offer telematics programs that reward safe driving habits with lower rates.
Add them to a policy. It’s usually cheaper to add a young driver to an existing policy rather than them buying a separate auto policy.
Increase your deductible. Choosing a higher deductible typically lowers your premiums. Just make sure you can afford to pay higher out-of-pocket costs if you need to file a claim.
Comparison shop. Comparing quotes from multiple insurance companies is a quick and easy way to save money. Rates for teens can vary significantly between insurers in Texas, especially in larger urban areas like Houston, Dallas, and San Antonio.
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Should your teen be on your policy or buy their own?
It’s usually cheaper to add a teen to an existing policy than to buy a separate policy. For instance, the average annual cost of an individual teen policy in Texas is $4,864. But the average annual cost of a family policy is only $3,648. That’s a difference of $1,216 per year.
If your teen wants to buy their own policy and is younger than 18, they’ll need written consent from a parent or guardian.
The table below shows the average monthly and yearly costs for teens on their own policy and teens on a family policy.
Policy Type | Average Monthly Cost | Average Yearly Cost |
|---|---|---|
| Teen on family policy | $304 | $3,648 |
| Teen on own policy | $405 | $4,864 |
| Cost difference | $101 | $1,216 |
Disclaimer: Table data is based on real-time Texas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
While adding a teen to a family policy may be cheaper, buying a separate policy makes more sense in some situations.
For instance, if a teen owns a car in their name, an insurer may require them to have their own policy. Insurers often prefer that the vehicle title, insurance, and registration match the primary driver.
If your teen doesn’t live at home, they might also need their own policy. Insurance companies base rates on factors like ZIP code, traffic density, and where you park your car.
For example, if your teen moves from your family home in Corsicana to Dallas, your insurer may require them to have a separate policy due to Dallas’ population density and heavier traffic.
Cheap car insurance for teen drivers in Texas FAQs
If you’re trying to save money on your teen’s car insurance, we can help. Below, we answered some common questions about cheap car insurance for teen drivers in Texas.
How much is car insurance in Texas for new drivers?
The average cost of auto insurance in Texas for new teen drivers is $215 per month for liability insurance and $405 per month for full coverage. Premiums can vary based on several factors, including location, the type of car you drive, your driving record, and the deductible you choose.
What car insurance discounts are available in Texas for young drivers?
Good student, safe driver, and defensive driving discounts are a few common discounts insurers offer to young drivers in Texas. Many companies offer multi-vehicle discounts for insuring more than one car on the same policy. Discounts vary by company, so ask your insurer what you qualify for.
How much is car insurance for a 16-year-old driver in Texas?
The average cost of car insurance for a 16-year-old driver in Texas is $309 per month, Insurify data shows. Rates can vary based on various factors, including your ZIP code, the car your teen drives, and the coverage you choose.
What affects car insurance rates in Texas for new drivers?
Crash rates, risky driving habits, and the number of uninsured drivers in the state all affect car insurance rates for new Texas drivers. Personal details like your ZIP code, the car you drive, your age, and the type of coverage you choose also influence how much you pay for coverage.
Do you have to add your teen driver to your car insurance policy in Texas?
No. You don’t have to add your teen driver to your car insurance policy in Texas. That said, adding a teen driver to an existing policy is usually cheaper than buying a separate one. An individual policy for a Texas teen costs an average of $405 per month, while adding them to your family policy costs only $304 per month.
Sources
- Texans for Safe and Drug-Free Youth. "2025 Impaired Driving."
- Texas Department of Insurance. "Adding a teen driver to your insurance policy?."
- Texas Department of Transportation. "Saved by the Belt."
- Texas Department of Transportation. "Speed remains top contributing factor in Texas crashes."
- Texas Department of Motor Vehicles. "TexasSure - Insurance Verification."
- Texas Department of Insurance. "Auto insurance guide."
- Texas Department of Public Safety. "Texas Learners License as a Teen."
- Texas Department of Public Safety. "Texas Provisional License as a Teen."
- Harris County Justice Courts. "No Insurance Cases."
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.
)
Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in