Cheapest Auto Insurance in Beaumont, Texas (2024)

State Farm offers the cheapest car insurance in Beaumont, with minimum-coverage policies as low as $43 per month.

Athena Valentine Lent
Athena Valentine Lent

Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George. 

Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated May 6, 2024

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Cheapest recent rates near Beaumont, Texas

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $64/mo for full coverage in Beaumont and other Texas cities.

*Quotes generated for Insurify users in and around Beaumont, Texas within the last 10 days. Last updated on May 6, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 6, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Beaumont, Texas within the last 10 days. Last updated on May 6, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 6, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Beaumont drivers pay $204 per month for car insurance on average, which is higher than the overall national average of $159 and the state average of $185.

Drivers in the Texas city may face expensive rates due to its high rate of car accidents. In 2022, Beaumont had 3,451 recorded car accidents. Though it ranks 36th in city population, Beaumont had the 16th most car accidents out of all Texas cities.[1]

The cheapest car insurance companies in Beaumont are State Farm, GEICO, and Hugo. You can find the cheapest insurer for your insurance needs by comparing quotes from multiple companies.

Here’s what you need to know about finding cheap car insurance in Beaumont.

Quick Facts
  • The average cost of liability insurance in Beaumont is $139 per month, while full-coverage insurance costs $270.

  • Texas is an at-fault state, which means the responsible driver must cover the other driver’s injuries and any property damage.[2]

  • Auto insurers in Texas can consider credit-based insurance scores when determining premiums.[3]

Cheapest car insurance companies in Beaumont

The auto insurance company that works best for you will depend on your financial situation and insurance needs. You’ll need to select a policy from a number of vehicle coverage types, which will influence how much you pay for coverage.

Start your insurance shopping process by considering three of the top insurers in Beaumont: Nationwide, GEICO, and Allstate. The quotes reflect average rates in Texas.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Liability OnlyFull CoverageBest for
Nationwide4.1$86$162Safe drivers
GEICO4.4$42$69Senior drivers
Allstate4.4$54$90Pay-per-mile insurance
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best insurer for safe drivers: Nationwide

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
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.
$101/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.
$181/mo

Nationwide’s SmartRide telematics program rewards policyholders for driving safely. You can save 10% just for signing up and up to 25% more for safe driving. The company sells a variety of insurance products, including vehicle, property, life, pet, travel, and business insurance. Drivers can also benefit from multi-policy, accident-free, and safe driver discounts.

Pros
  • 11 available discounts

  • Many additional coverage options

Cons
  • More expensive than some insurers

  • Rideshare insurance not available

Read our Nationwide review
Richard - April 19, 2024
Verified

Overpricing the Customer

They are better than most, but a little pricey.

Janet - April 18, 2024
Verified

Nationwide is a good insurance company, but I'm looking for a cheaper place with the same coverage. My premiums increase every 6 months for no apparent reason. I haven't had any accidents, tickets, DUIs, or anything else. I used to wonder why a policy went to 6 months instead of 12, but I finally figured it out. They can raise your coverage twice in a year, which seems very unfair. I'm retired.

Nationwide is a good insurance company, but I'm looking for a cheaper place with the same coverage. My premiums increase every 6 months for no apparent reason. I haven't had any accidents, tickets, DUIs, or anything else. I used to wonder why a policy went to 6 months instead of 12, but I finally figured it out. They can raise your coverage twice in a year, which seems very unfair. I'm retired.

Antoinette - April 8, 2024
Verified

Nationwide is not on your side

My rate doubled for no apparent reason. I have no tickets and no accidents.

Best insurer for senior drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$47/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.
$78/mo

In Texas, drivers age 79 and older must visit the DMV every year to renew their license, which requires the successful completion of a vision test and evaluation of their medical history.[4]

Aging-related risk factors can cause auto insurers to charge higher premiums, but GEICO offers several discounts that drivers older than 50 can benefit from, including defensive driving, five-year good driving, retired government and military, multi-car, and membership and employee discounts.

Pros
  • Accident forgiveness available

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Limited agent network

  • Gap and rideshare insurance not available

Read our GEICO review
Holly - April 30, 2024
Verified

Long-Time Customer Treated Poorly!

We were with Geico for over 20 years and then had a terrible customer service experience. This wasn't a minor issue or just one agent. The problem involved conversations with multiple agents and supervisors. It's disappointing that after being insured with this company for so long, they showed no interest in resolving an unexpected situation that was actually an honest mistake made by one of their agents. I don't recommend them!

Elizabeth - April 25, 2024
Verified

Excellent

It has always been great.

Andrew - April 24, 2024
Verified

AI-Run, Money-Hungry Company

The customer service is poor and very unprofessional. It's impossible to speak to an agent.

Best insurer for pay-per-mile insurance: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$60/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.
$100/mo

In addition to standard auto coverage offerings, Allstate offers pay-per-mile car insurance called Milewise. Instead of a flat-fee premium, you pay a daily base rate plus a per-mile rate. For example, if you have a daily rate of $1, a per-mile rate of five cents, and you only drive 12 miles in one day, you’d only pay $1.60 for that day’s coverage.

Pros
  • Same coverage as a traditional policy

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Above-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC)

  • Pay-per-mile rates not as affordable for high-mileage drivers

Read our Allstate review
Carolyn - April 24, 2024
Verified

Change in Agency, Considering Switch

I've been with Allstate at the Welsh agency for the past 5 years and the service has been very good. However, since the retirement of my agent, I haven't had the same personal experience with the Carlisle agency and am considering switching to another company.

James - April 23, 2024
Verified

Recommend Allstate

Other than continually raising my rate, I consider them very good.

James - April 22, 2024
Verified

Good

Very good but expensive.

Find Cheap Car Insurance in Beaumont, Texas

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How to get the cheapest car insurance in Beaumont

Insurance companies consider your age, credit-based insurance score, marital status, and driving history to calculate your car insurance premium, along with the rates of accidents, uninsured motorists, and natural disasters in your area.

Though you can’t control many factors that affect insurance costs, you can take steps to secure a cheaper policy:

Cheapest liability-only car insurance in Beaumont: State Farm

Liability-only insurance covers damages and bodily injuries to the other driver if you caused an auto accident. It doesn’t cover the costs of fixing your vehicle and medical expenses from accident-related injuries. On average, Beaumont drivers pay $139 per month for liability coverage.

The cheapest insurer for liability-only car insurance in Beaumont is State Farm, with an average cost of $43 per month. Compare quotes from more of the city’s cheapest insurers below.

The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm43
GEICO47
Hugo59
Mile Auto59
Allstate60
USAA77
Safeco89
Nationwide101
Mercury104
Midvale Home & Auto108
Progressive108
Dairyland115
Clearcover118
Chubb130
National General134
Liberty Mutual139
Elephant141
Commonwealth Casualty145
Direct Auto147
21st Century150
The General163
GAINSCO165
Bristol West181
State Auto194
AssuranceAmerica202
Infinity210
Foremost239
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Beaumont: State Farm

Full-coverage auto insurance offers more financial protection than liability-only coverage. It covers your vehicle damage following an accident or non-collision incident. You may need to buy this coverage if you lease or finance your vehicle because most lenders and dealers require it.

Beaumont drivers pay an average of $270 per month for full-coverage insurance. Here are quotes from some of the cheapest insurers in Beaumont.

The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm71
GEICO78
Allstate100
Mile Auto118
USAA126
Clearcover155
Hugo160
Mercury165
Travelers177
Nationwide181
Progressive191
Midvale Home & Auto192
Safeco192
Chubb215
Elephant230
21st Century248
AssuranceAmerica262
Liberty Mutual284
Direct Auto290
Dairyland292
National General296
Infinity320
The General329
Bristol West341
State Auto356
GAINSCO358
Commonwealth Casualty373
Foremost481
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Texas

Texas is an at-fault state, which means the driver responsible for the accident has to cover the medical costs and vehicle repairs of the other party and any passengers. Drivers in Texas must carry a minimum amount of bodily injury and property damage liability coverage.[6]

Here are the state’s specific minimum insurance requirements:

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000 per accident

Most drivers should consider purchasing coverage beyond the state’s minimum liability requirements to extend coverage to their vehicle. Common optional coverages to consider include:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you have an accident, collision coverage kicks in to cover your vehicle repair or replacement costs.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    For non-collision incidents, like severe weather, theft, or vandalism, comprehensive insurance can cover your damages.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Specific offerings vary by company, but roadside assistance coverage typically provides roadside services if you find yourself with a broken-down vehicle.

Texas Automobile Insurance Plan Association

The Texas Automobile Insurance Plan Association (TAIPA) provides basic coverage for people who can’t find an insurance company to offer them a policy. TAIPA sells the minimum insurance required by law to operate a vehicle and costs more than traditional auto insurance policies.

If you haven’t had any tickets or accidents, insurance companies will likely offer you a cheaper policy than what TAIPA quotes.[7]

Cheapest car insurance for drivers with an incident

Insurance companies typically charge higher rates to drivers with one or more incidents on their record. Driving incidents include moving violations like speeding tickets, driving under the influence (DUI), and at-fault accidents. Other violations include driving without insurance, receiving citations, and operating a vehicle without a driver’s license.

On average, Beaumont drivers with a past incident pay $280 per month for car insurance. Your specific premium will depend on the severity and frequency of incidents on your record.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Along with traffic citations, speeding can result in car accidents and increased insurance premiums. Insurers view past speeding tickets as a risk indicator of future incidents and claims.

The average cost of car insurance in Beaumont for a driver with a past speeding ticket is $291. Find quotes from some of the cheapest Beaumont insurers below.

The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
State Farm9155
GEICO10161
Allstate12977
USAA16299
Mile Auto16482
Clearcover202154
Hugo21981
Mercury228144
Nationwide236132
Progressive248140
Safeco252117
Midvale Home & Auto256144
Chubb281170
Elephant328201
21st Century329199
AssuranceAmerica346267
Dairyland379149
Direct Auto380192
Liberty Mutual405198
National General422191
Infinity430282
The General430213
Bristol West437232
State Auto500272
GAINSCO510235
Commonwealth Casualty532207
Foremost685341
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

How much your premium increases after an at-fault accident depends on the severity of the accident and the cost of your insurance claim.[8] Beaumont drivers with a past at-fault accident pay an average of $309 per month for car insurance.

Compare quotes for drivers with a past accident below.

The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
State Farm9759
GEICO10765
Allstate13782
USAA173106
Mile Auto17889
Hugo21379
Clearcover226172
Mercury241152
Nationwide250140
Safeco255118
Progressive267151
Midvale Home & Auto278156
Chubb297179
Elephant311191
21st Century347210
AssuranceAmerica361279
Dairyland401158
National General403182
Direct Auto408207
Liberty Mutual425208
Infinity433284
Bristol West460244
The General461228
GAINSCO477220
Commonwealth Casualty506197
State Auto538293
Foremost719357
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Operating a vehicle with a blood alcohol content (BAC) level of 0.08 or higher can result in a charge for DUI. In 2020, drunk driving incidents in Texas killed 863 people and severely injured 2,114.[9] Because of their history of drunk driving, insurers will increase premiums for drivers with a DUI to account for the added risk.

Drivers with a past DUI in Beaumont pay an average of $350 per month for car insurance. The companies below offer competitive rates.

The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
State Farm12073
GEICO13280
Allstate169102
Mile Auto18291
USAA213130
Mercury254160
Clearcover263200
Hugo271100
Nationwide307171
Progressive324183
Midvale Home & Auto325183
Safeco325151
Chubb364220
Elephant390239
21st Century420254
AssuranceAmerica444342
Liberty Mutual481235
Direct Auto491249
Dairyland495195
National General501227
Infinity542356
The General557276
Bristol West578307
State Auto603329
GAINSCO607280
Commonwealth Casualty632246
Foremost815405
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Your age affects how much you pay for car insurance. Around age 35, your car insurance rates will likely begin to decrease steadily because you have more experience on the road. However, around the time you turn 70, your rates may increase again due to aging-related risk factors.

The average cost of car insurance for senior drivers in Beaumont is $146 per month. Find the city’s cheapest insurers for older drivers below.

The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm3151
GEICO3557
Hugo39105
Mile Auto4183
Allstate4574
USAA5793
Safeco66143
Nationwide70125
Progressive72127
Mercury73115
Midvale Home & Auto76135
Dairyland86217
Clearcover87115
Chubb88146
National General100221
Liberty Mutual101207
Elephant103167
21st Century104172
Direct Auto104206
Commonwealth Casualty106273
GAINSCO124270
The General124251
Bristol West135254
State Auto139255
AssuranceAmerica142184
Infinity146223
Foremost173347
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teenagers pay the highest average rates for auto insurance by driver age due to limited driving experience, which leads to more moving violations and accidents. Though you can’t change your age, you can find ways to get cheap car insurance.

Driving a safe car, taking an approved defensive driving course, joining your parents’ existing car insurance policy, and earning good grades can all help you earn a cheaper insurance premium. On average, teen drivers in Beaumont pay $349 per month for car insurance.

Here are the cheapest insurers for teen drivers in the city.

The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm71117
GEICO72119
Hugo100272
Allstate102170
Mile Auto111222
USAA124203
Nationwide168301
Safeco183396
Midvale Home & Auto184327
Mercury185293
Dairyland188477
Progressive191337
Clearcover224294
Elephant226369
Chubb233386
21st Century243401
National General243536
Commonwealth Casualty251645
Liberty Mutual253516
The General257518
Direct Auto262516
GAINSCO289627
Bristol West300565
State Auto334613
AssuranceAmerica366474
Infinity375572
Foremost412829
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Beaumont car insurance quotes by credit tier

Though insurance companies in Texas can factor your credit-based insurance score into your insurance rate, they can’t disqualify you as a customer based on that alone. Insurance companies look at your financial health to gauge if you can make your car insurance payments in full and on time.

Drivers with excellent or good credit scores often pay lower rates because they pose less of a financial risk to insurers than people with poor credit scores. Here are the average rates for car insurance by credit tier in Beaumont.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Beaumont?

Car insurance in Beaumont costs $204 per month on average, which exceeds the state average of $185 and the national average of $159.

Within Texas, car insurance premiums vary by city and ZIP code based on factors like crime rates, population density, accident rates, and more. Beaumont had more car accidents occur in 2022 than many other Texas cities, which may explain the above-average rates.

More cities in Texas

Though average car insurance rates in Beaumont are higher than the state average, drivers in a few more populated cities pay higher average rates. Find the average rates in other Texas cities below.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Abilene$93$207
Amarillo$105$242
Arlington$125$247
Austin$129$235
Brownsville$109$232
Corpus Christi$122$230
Dallas$138$279
Denton$117$248
El Paso$92$220
Fort Worth$123$242
Galveston$123$239
Garland$135$266
Grand Prairie$132$276
Houston$170$315
Huntsville$106$234
Irving$134$271
Killeen$108$208
Laredo$106$233
Lubbock$108$238
McAllen$112$233
Mesquite$132$281
Midland$101$235
Odessa$105$271
Plano$123$244
San Antonio$125$244
San Marcos$115$236
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Beaumont car insurance FAQs

Before you start comparing quotes from different insurers, you should decide how much auto coverage you need. The information below should help answer your remaining questions about finding cheap car insurance in Beaumont.

  • How much is car insurance in Beaumont, Texas?

    The average cost of car insurance in Beaumont is $204 per month. Drivers in the city pay $139 per month for liability coverage and $270 for full coverage, on average.

  • Which company has the cheapest car insurance in Beaumont?

    State Farm is the cheapest insurer in Beaumont, with an average monthly quote of $43 for liability coverage. The best way to find the cheapest car insurance for your needs is to compare quotes from multiple insurance companies.

  • What are the best car insurance companies in Beaumont?

    With an Insurify Quality (IQ) Score of 4.2 out of 5, an A++ (Superior) financial strength rating from AM Best, and numerous available discounts, GEICO is the best car insurance company in Beaumont. Other top insurers include Nationwide and Allstate.

  • What is the average monthly car insurance cost in Texas?

    Drivers in Texas pay $119 per month for liability coverage and $251 for full-coverage insurance. The overall average cost of coverage in the state is $185 per month.

  • What is the bare minimum car insurance in Texas?

    Texas drivers must carry a minimum of $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Texas Department of Transportation. "Crashes and Injuries Cities and Towns."
  2. NOLO. "Texas Car Insurance Requirements."
  3. Texas Department of Insurance. "Credit Scoring and Insurance."
  4. Texas Department of Public Safety. "Drivers Age 79 or Older."
  5. Texas Department of Insurance. "5 tips to shop and save money on car insurance."
  6. Texas Department of Insurance. "Auto insurance guide."
  7. Texas Automobile Insurance Plan Association. "TAIPA News."
  8. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  9. Texas Department of Transportation. "Drunk driving killed 963 people in Texas last year."
Athena Valentine Lent
Athena Valentine Lent

Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George. 

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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