Cheap Car Insurance for Teen Drivers in Texas (2026)
State Farm is the cheapest insurer for Texas teens, with an average liability rate of $88 per month.
Secure. Free. Easy-to-use.
4.7 / 517K reviews
)
Written byJessica Martel
)
Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
)
Edited byMacKenzie Korris
)
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
Reviewed byMark Friedlander
)
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
The average cost of full-coverage car insurance for teens in Texas is $405 per month, compared to $205 per month for all Texas drivers.
With an average liability rate of $88 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: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $174 | $88 |
| Progressive | $219 | $123 |
| Root | $260 | $156 |
| Mercury | $264 | $162 |
| GEICO | $268 | $127 |
| USAA | $292 | $150 |
| Clearcover | $298 | $170 |
| Mile Auto | $305 | $133 |
| GAINSCO | $320 | $165 |
| Allstate | $321 | $209 |
| Alinsco | $342 | $170 |
| Elephant | $344 | $218 |
| Bristol West | $348 | $179 |
| Direct Auto | $352 | $221 |
| The General | $366 | $165 |
| National General | $392 | $235 |
| AssuranceAmerica | $394 | $219 |
| Commonwealth Casualty | $400 | $183 |
| Mendota | $401 | $204 |
| First Acceptance | $407 | $164 |
| Lone Star | $419 | $178 |
| Loop | $425 | $225 |
| Dairyland | $428 | $183 |
| Sun Coast | $429 | $209 |
| Covercube | $430 | $190 |
| Liberty Mutual | $482 | $328 |
| Chubb | $549 | $282 |
| Trexis One | $556 | $264 |
| 21st Century | $557 | $286 |
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 Cheap Car Insurance for Teens
Compare quotes from top insurers in Texas and save money today
Excellent
4.7 out of 5 based on 16,767 reviews
Secure. Free. Easy-to-use.
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 | 4.1 |
|---|---|
| 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. | $44/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. | $87/mo |
4.1
Best choice in TexasBased on 20,692 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 8,029 State Farm reviews
Verified Review
Reviewed in Texas on August 26, 2026
My insurance went up by $30.00. That stinks.
Verified Review
Reviewed in Texas on August 23, 2026
It would be nice, except the quote I was given went up by 30%, costing me nearly $125 a month more than the quote. I also get constant notifications from the driving app about unnecessary stuff.
Verified Review
Reviewed in Texas on August 17, 2026
Average. My current auto rates are not too bad, but I think my homeowners insurance is way too high.
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
Can’t purchase policies online
Accident forgiveness not available
Gap insurance limited to State Farm Bank customers
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. | $68/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. | $143/mo |
4.0
Best choice in TexasBased on 20,348 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 | 4.0 | 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 8,101 GEICO reviews
Verified Review
Reviewed in Texas on August 16, 2026
I think the liability coverage is too expensive for my driving record.
Verified Review
Reviewed in Texas on August 14, 2026
Never set up your policy on your phone. The phone cuts off important information you need to get your policy.
Verified Purchase
Reviewed in Texas on August 10, 2026
It’s all been automated online, and it’s easy to deal with.
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
Less coverage options than some competitors
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. | $79/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. | $154/mo |
4.9
Best choice in TexasBased on 4,224 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 54 reviews from Texas driversSee all 1,669 USAA reviews
Verified Review
Reviewed in Texas on August 21, 2026
They raised my monthly payment by $200.00.
Verified Review
Reviewed in Texas on August 21, 2026
Very good results for me!
Verified Review
Reviewed in Texas on August 12, 2026
Responsive to my request to review my policy and see if a reduction was possible.
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
No local insurance agent
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: 14.5% of Texas drivers don’t have car insurance, according to the Insurance Information Institute (Triple-I). A higher rate of uninsured drivers leads to higher premiums.
Compare Texas Car Insurance Quotes
Compare quotes from top insurers in Texas and save money today
Excellent
4.7 out of 5 based on 16,767 reviews
Secure. Free. Easy-to-use.
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.[5]
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.[6]
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.[7]
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.[8]
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.
Compare Car Insurance in Texas
Check rates from top insurers in minutes
Excellent
4.7 out of 5 based on 16,767 reviews
Secure. Free. Easy-to-use.
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 $307 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 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 250 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.
Related articles
)
Cheapest Car Insurance for New Drivers in Texas
Liberty Mutual, State Farm, and Progressive are some of the best car insurance companies for new drivers in Texas.
)
Car Insurance for High-Risk Drivers in Texas
State Farm offers the cheapest rates in Texas for high-risk drivers, averaging $55 monthly for drivers with incidents on their records.
)
Cheap Car Insurance for Senior Drivers in Texas
State Farm has the cheapest car insurance for senior drivers in Texas, with an average monthly liability rate of $34.
)
Cheap Car Insurance in Texas With Bad Credit
State Farm offers the cheapest car insurance for drivers with bad credit in Texas, averaging $64 per month.
)
Gap Insurance in Texas
Texas drivers with an auto loan balance exceeding their vehicle’s cash value can gain greater financial protection with a gap insurance policy, which covers the difference between the two.
)
Cheapest Car Insurance for Low-Income Drivers in Texas
State Farm has the cheapest liability car insurance in Texas, with average rates of $44 per month.
)
Best Car Insurance for College Students in Texas
State Farm, Travelers, and USAA are the best car insurance companies for college students in Texas.
)
Best Home and Auto Insurance in Texas
Texas drivers and homeowners can often find the best savings on home and auto insurance bundles from companies like State Farm, USAA, and Progressive. Bundling home and auto insurance can simplify policy management while helping Texans offset some of the nation’s highest homeowners insurance rates.
)
Best Car Insurance Companies in Texas (August 2026)
GEICO, Allstate, and USAA are the top insurers in Texas, offering competitive rates and coverage options.
)
Rideshare Insurance in Texas: Costs, Requirements, and Best Companies
You don’t legally have to buy rideshare insurance in Texas, but it’ll protect you from coverage gaps while driving for Uber or Lyft.
)
Cheapest Full-Coverage Car Insurance in Texas
Texas drivers can find the cheapest full-coverage car insurance from State Farm, with rates averaging $87 per month.
SR-22 Insurance in Texas: Cost, Requirements, and Cheapest Companies
The average monthly premium for SR-22 insurance in Texas is $198, according to Insurify data.
Temporary Car Insurance in Texas: What Your Short-Term Options Really Are
True temporary car insurance doesn’t exist in Texas. Still, alternatives like Insurify Car offer flexible payment options and short-term coverage.
)
Car Insurance Discounts for Texas Drivers
Texas drivers can unlock discounts for everything from being a safe driver to having a newer vehicle, enrolling in a defensive driving course, or being a member of certain organizations.
)
Texas Car Insurance Requirements in 2026
Texas requires drivers to carry liability insurance with minimum coverage limits of $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage.
Average Car Insurance Cost in Texas
Drivers in Texas pay an average of $110 per month for liability insurance and $205 for full-coverage insurance, but your exact rate will depend on a few different factors.
)
Car Insurance After a DUI in Texas
Drivers in Texas with a DUI pay an average of $154 per month for liability-only car insurance.
)
Very Cheap Car Insurance With No Deposit in Texas
Find affordable Texas car insurance with low-deposit options. Compare top insurers, with minimum-coverage rates starting at $44 per month.
)
Cheap Car Insurance in Texas After a Speeding Ticket
State Farm is the cheapest company in Texas for drivers with speeding tickets, with an average liability-only coverage rate of $56 per month.
Do You Have to Add a Teenager to Your Car Insurance in Texas?
Texas requires licensed teen drivers to have car insurance, and adding them to your policy is almost always cheaper. Rules are a bit different for teens with a learner’s permit.
)
Cheapest Liability Car Insurance in Texas
Texas drivers can find the cheapest liability-only car insurance from State Farm, with an average rate of $44 per month.
)
How to Get a Texas Driver’s License in 2026
Getting a Texas driver’s license requires proof of identity and residency, driver’s education in some cases, and passing the required exams. Texas also uses a graduated licensing system for teen drivers and issues REAL ID-compliant licenses.
)
Does Collision Insurance Cover Hit-and-Run Accidents in Texas?
Collision insurance covers hit-and-run accidents, and you might also need to use medical payments or personal injury protection.
)
What Age Does Insurance Go Down in Texas?
Texas car insurance rates are highest for teen drivers but tend to drop once drivers reach their 20s.
)
How Much Is Car Insurance for a 16-Year-Old in Texas?
The average cost of car insurance for a 16-year-old in Texas is $273 per month for liability-only coverage and $508 for full coverage. Texas requires newly licensed teen drivers to complete its Graduated Driver License (GDL) program before they can earn unrestricted driving privileges.
)
How Much Is Car Insurance for a 17-Year-Old in Texas?
The average monthly insurance premium for 17-year-old drivers in Texas is $344. Texas law doesn’t require 17-year-old drivers with a learner’s permit to have an insurance policy, which can help parents cut costs initially.
)
Texas 30/60/25 Car Insurance Requirements Explained
In Texas, 30/60/25 represents the minimum auto liability limits required by state law. But these limits may not be enough if you cause a serious accident.
Cheapest Car Insurance in Texas After an Accident
State Farm offers the cheapest car insurance in Texas after an accident. Its liability insurance rates average $59 per month.
)
How Long Does an Accident Affect Your Car Insurance in Texas?
A car accident in the Lone Star State can increase your car insurance premiums for three to five years.
)
How Much Is Car Insurance for an 18-Year-Old in Texas?
Texas 18-year-olds pay an average of $312 per month for car insurance. Most qualify for a full, unrestricted license, but adding them to a parent’s policy can increase premiums because insurers consider them high risk.
)
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.
Why Is Car Insurance So Expensive in Texas?
The average annual car insurance premium in Texas is $2,470, which is 15% higher than the U.S. average of $2,144.
Non-Owner Car Insurance in Texas
Non-owner car insurance costs about $50 per month in Texas and can protect your finances if you’re involved in a serious accident.
)
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.
)
Is It Illegal to Drive With Headphones in Texas?
Texas doesn’t have any law that specifically bans wearing headphones while driving. But if your headphones distract you from driving safely, they could lead to a ticket.
)
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.
)
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.
)
Accident With an Uninsured Driver? Here’s What to Do in Texas
If an uninsured driver in Texas hits you, uninsured motorist coverage can help pay for your damages and injuries.
Texas Car Insurance Laws
Texas requires all drivers to carry minimum liability coverage of 30/60/25 to legally operate a vehicle.
)
How Long Do Insurers Have to Investigate a Claim in Texas?
Insurers in Texas have a maximum of 75 days to investigate your claim, though the process doesn’t always take this long. Your exact timeline depends on your claim and insurer.
Uninsured Motorist Coverage in Texas: What to Know
Uninsured motorist (UM) coverage can pay for your medical bills and vehicle repairs if an uninsured driver causes an accident. In Texas, UM coverage is optional.
)
What Does Comprehensive Car Insurance Cover in Texas?
Comprehensive car insurance in Texas covers theft, vandalism, and weather damage to your vehicle.
)
Can You Drive Your Parents’ Car With Their Insurance in Texas?
Your parents’ insurance will typically cover you when you drive their car, but it won’t if you use the vehicle for an excluded purpose, like food delivery.
)
Is Texas a No-Fault State for Auto Insurance?
Texas isn’t a no-fault state — it’s an at-fault state. That means the at-fault driver’s insurance pays for the other party’s damages.
Classic Car Insurance in Texas
Texas drivers should consider classic car insurance to protect their high-value vehicles against the heat, hurricanes, and tornadoes.
)
Texas Car Accident Laws and Regulations
Texas law requires the person responsible for a car accident to pay for injuries and damage.
)
Can You Drive in Texas With a Foreign License?
You can drive in Texas with a foreign license for up to one year or until you become a Texas resident, whichever comes first.
)
What to Know About Personal Injury Protection Coverage in Texas
Texas insurers must include personal injury protection in all auto policies, but drivers can choose to opt out of the coverage.
)
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.
)
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.
Cheapest Car Insurance Quotes in Texas
State Farm offers the cheapest car insurance in Texas, with an average monthly premium of $44 for minimum coverage. Compare real-time quotes for Texas drivers and buy your policy online in minutes.
…
)
Cheapest Car Insurance Quotes in Port St. Lucie, Florida (August 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.
Cheap Car Insurance Quotes in Abilene, Texas (August 2026)
State Farm is the cheapest car insurance company for Abilene drivers, with rates at $36 per month. Local West Texas factors like severe thunderstorms and hail can increase your insurance rates.
Cheapest Car Insurance Quotes in Amarillo (August 2026)
State Farm offers Amarillo drivers the most affordable car insurance, followed by Allstate and Mile Auto. With a lower population than many Texas cities, Amarillo drivers pay lower car insurance rates than the rest of the Lone Star State.
Cheap Car Insurance Quotes in Arlington, Texas (August 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.
)
Cheap Car Insurance Quotes in Austin, Texas (August 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.
)
Cheapest Car Insurance Quotes in Beaumont (August 2026)
The cheapest car insurance in Beaumont comes from State Farm, with an average liability-only rate of $48 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 Brownsville, Texas (August 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.
Cheap Car Insurance Quotes in Corpus Christi, Texas (August 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.
Cheapest Car Insurance Quotes in Dallas (August 2026)
State Farm offers Dallas drivers the cheapest car insurance rates, at $50 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 Denton (August 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.
Cheapest Car Insurance Quotes in El Paso (August 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 Fort Worth (August 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.
)
Cheapest Car Insurance Quotes in Galveston, Texas (August 2026)
State Farm is the cheapest auto insurance option in Galveston, with liability rates of $46 per month. Heavy congestion, especially during tourist season, affects the city’s rates.
)
Cheap Car Insurance Quotes in Garland, Texas (August 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.
)
Cheapest Car Insurance Quotes in Grand Prairie, Texas (August 2026)
State Farm is the cheapest insurer in Grand Prairie, with an average liability rate of $47 per month. Right in the middle of Dallas and Fort Worth, Grand Prairie experiences heavy traffic, which insurers consider when setting rates.
Cheapest Car Insurance Quotes in Houston (August 2026)
State Farm offers the cheapest car insurance in Houston, with liability rates averaging $59 per month. Houston’s hurricane exposure and high road congestion contribute to the city’s higher premiums.
)
Cheapest Car Insurance Quotes in Huntsville (August 2026)
State Farm has the cheapest liability insurance in Huntsville, Texas, with rates as low as $41 per month. Even though Huntsville is at risk for hurricanes and flooding, the city’s rates are slightly lower than the state average.
Cheapest Car Insurance Quotes in Irving, Texas (August 2026)
Drivers in Irving, Texas, can find the cheapest rates with State Farm, at $47 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 Katy, Texas (August 2026)
State Farm offers the cheapest car insurance in Katy, with an average rate of $53 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.
)
Cheap Car Insurance Quotes in Killeen (August 2026)
State Farm offers the cheapest car insurance in Killeen, with an average liability-only price of $41 per month. Heavy traffic along U.S. 190 and near Fort Hood also influences costs in the area.
)
Cheapest Car Insurance Quotes in Laredo (August 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.
Cheapest Car Insurance Quotes in Lubbock, Texas (August 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.
)
Cheap Car Insurance Quotes in McAllen, Texas (August 2026)
State Farm has the cheapest car insurance in McAllen, at an average of $48 per month for liability coverage. McAllen faces severe storm threats, pushing its rates slightly above the state average.
Cheapest Car Insurance Quotes in Mesquite, Texas (August 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.
)
Cheapest Car Insurance Quotes in Midland, Texas (August 2026)
The cheapest car insurance in Midland is from State Farm, with liability rates of $41 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.
Cheap Car Insurance Quotes in New Braunfels, Texas (August 2026)
State Farm has the cheapest car insurance in New Braunfels, with an average monthly liability rate of $40. Visiting and residential drivers should stay alert to the major roadway improvement projects taking place over the next few years.
)
Cheap Car Insurance Quotes in Odessa, Texas (August 2026)
State Farm offers the cheapest car insurance in Odessa, Texas, with premiums averaging $45 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 Plano, Texas (August 2026)
State Farm offers the lowest car insurance rates in Plano, charging an average of $44 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.
)
Cheapest Car Insurance Quotes in San Antonio (August 2026)
State Farm offers San Antonio drivers the lowest car insurance rates, at $46 per month. San Antonio’s heavy traffic congestion contributes to its higher-than-average car insurance costs.
)
Cheapest Car Insurance Quotes in San Marcos, Texas (August 2026)
State Farm offers the cheapest car insurance quotes in San Marcos, with rates at $42 per month. San Marcos is at risk of natural hazards, like tornadoes, hail, and wildfires, which can affect the cost of car insurance.
Cheapest Car Insurance Quotes in Spring, Texas (August 2026)
The cheapest insurance in Spring, Texas, is available from State Farm, averaging $50 per month. Heavy traffic on Interstate 45 and car theft can affect 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
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert