The Cheapest Car Insurance in Texas for November 2024
They say everything's bigger in Texas, but your auto insurance bill shouldn't be. Here’s the cheapest car insurance in Texas.
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NerdWallet analyzed rates for 19 insurers to find the cheapest auto insurance in Texas. We reviewed rates for drivers of different ages, with different driving histories and coverage types, to find the cheapest companies.
At a glance: The cheapest car insurance in Texas
State Farm offers the cheapest minimum coverage in Texas, with an average rate of $409 per year, according to NerdWallet's November 2024 analysis.
The absolute cheapest policies offer just bare minimum coverage. The average cost of minimum coverage in Texas is $997 per year, or $83 per month.
Full coverage in Texas costs an average of $3,347 per year, or $279 per month.
The cheapest minimum coverage insurance in Texas
Below is the cheapest car insurance we found in Texas for minimum coverage required by the state. Rates are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $409 | $34 |
| Texas Farm Bureau | $417 | $35 |
| Geico | $581 | $48 |
| Auto Club of SoCal | $666 | $56 |
| Allstate | $675 | $56 |
If you’re looking for top-of-the-line auto coverage, check out our list of the best car insurance in Texas.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Keep reading to find the cheapest car insurance in Texas for different driver profiles and coverage types among:
You can also find information on Texas' minimum insurance requirements, the risks of opting for cheap car insurance as well as alternative car insurance options in the state.
More Nerdy Perspective
Auto insurance in Texas tends to be pricey, so check your policy for coverage you don’t need. I saved money on my car insurance premium by dropping roadside assistance and towing coverage, which I already had through my AAA membership.
If you’re looking for the cheapest car insurance in your city, NerdWallet also analyzed rates for some of the largest Texas cities, including:
Cheap auto insurance in Texas for young drivers
Young drivers may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high in your 20s, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest minimum coverage car insurance in Texas for young drivers
For bare-bones coverage for 20-year-olds, these companies had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $702 | $59 |
| Geico | $1,191 | $99 |
| State Farm | $1,302 | $109 |
| Progressive | $1,313 | $109 |
| Auto Club of SoCal | $1,409 | $117 |
Cheapest full coverage car insurance in Texas for young drivers
If you have a clean driving record consider the following companies, which had the lowest average rates for 20-year-old drivers:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,918 | $160 |
| Progressive | $3,486 | $291 |
| Geico | $3,545 | $295 |
| Auto Club of SoCal | $3,710 | $309 |
| State Farm | $4,005 | $334 |
Cheap auto insurance in Texas for senior drivers
Car insurance costs may start to rise for older drivers, so it’s wise to shop around for the cheapest rates. You can also check for senior discounts. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest minimum coverage car insurance in Texas for seniors
Drivers in Texas who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates for 70-year-old drivers:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $362 | $30 |
| State Farm | $416 | $35 |
| Geico | $571 | $48 |
| Allstate | $675 | $56 |
| Progressive | $766 | $64 |
Cheapest full coverage car insurance in Texas for seniors
Drivers in Texas with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates for 70-year-olds:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,034 | $86 |
| State Farm | $1,610 | $134 |
| Progressive | $1,754 | $146 |
| Geico | $1,769 | $147 |
| Auto Club of SoCal | $2,006 | $167 |
Cheapest car insurance in Texas by driving record
Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and your other personal characteristics.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Texas drivers with different driving records. If you have multiple violations on your record, consider looking into the best high risk car insurance companies.
Cheapest car insurance in Texas after a speeding ticket
If you recently got a speeding ticket in Texas, check out these companies we found with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $409 | $34 |
| Texas Farm Bureau | $417 | $35 |
| Geico | $642 | $54 |
| Allstate | $675 | $56 |
| Auto Club of SoCal | $930 | $78 |
Cheapest car insurance in Texas after an accident
And here are the companies with the lowest average rates for minimum coverage and a recent at-fault accident in Texas:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $486 | $41 |
| Allstate | $713 | $59 |
| Texas Farm Bureau | $713 | $59 |
| Geico | $992 | $83 |
| Progressive | $1,029 | $86 |
Cheapest car insurance in Texas after a DUI
For drivers with a recent DUI in Texas, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $747 | $62 |
| Geico | $794 | $66 |
| Allstate | $825 | $69 |
| Progressive | $879 | $73 |
| Auto Club of SoCal | $1,117 | $93 |
» MORE: Getting an SR22 in Texas
Cheapest car insurance in Texas by credit history
Your credit history can impact your auto insurance rates in Texas. Insurers use a credit-based insurance score, which is different from your regular credit score, to determine the likelihood you’ll file a claim. Your credit score is likely a good indicator of your credit-based insurance score.
Cheapest car insurance in Texas for drivers with poor credit
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Texas drivers with poor credit. Drivers with poor credit in Texas can look at the following companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Allstate | $675 | $56 |
| Geico | $841 | $70 |
| Texas Farm Bureau | $881 | $73 |
| Progressive | $994 | $83 |
| Auto Club of SoCal | $1,034 | $86 |
Cheapest car insurance for military families
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 60 of the 70 driver profiles we examined.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Minimum car insurance requirements in Texas
With rare exceptions, Texas drivers are required to carry liability insurance. You’ll often see the minimum requirements written in shorthand as 30/60/25. This means in Texas you must buy at least:
$30,000 bodily injury/death liability coverage per person.
$60,000 bodily injury/death liability coverage per accident.
$25,000 property damage liability coverage per accident.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
If you cause an accident, liability insurance kicks in to pay for others’ injury treatment and property damage, up to your limits. It doesn’t pay for your own injuries or vehicle repairs.
In many cases, the legal minimum insurance won’t be enough to cover costs if you cause an accident. If you total someone’s luxury car, for example, their repair costs could easily exceed a $25,000 ceiling. Any damage that surpasses your limits has to come out of your own pocket. That’s why for most drivers it’s wise to select higher limits, such as 100/300/50.
» MORE: The best pet insurance in Texas
Risks of getting cheap auto insurance
Getting cheap car insurance usually means getting the barest coverage required by law in your state. But state requirements can be quite low and leave you financially vulnerable if you’re in a serious accident.
Getting the cheapest car insurance possible might also mean missing out on optional coverage types that can help cover your own injuries or property damage — for example, when you’re injured in an accident or if your car is banged up after a bad storm or a hit and run. To find cheap car insurance with more coverage, check out NerdWallet’s list of cheap full coverage insurance.
Auto insurance alternatives in Texas
If you’re having trouble getting insured in Texas, look into the Texas Automobile Insurance Plan Association. It can help connect you with a company that will cover you.
There are legally acceptable alternatives you can choose to prove your financial responsibility, including:
Filing a surety bond with the Department of Public Safety. You must file the bond jointly with at least two people, called “sureties,” who own property in the state. The property offered in the bond must be worth at least as much as the insurance amounts mandated under the state’s minimum liability car insurance requirements.
Making a $55,000 deposit with the state comptroller in either cash or securities.
Making a $55,000 deposit with the county judge where your vehicle is registered, in either cash or cashier’s check.
Qualifying for a certificate of self-insurance through the Department of Public Safety. You promise to pay up to the same amount covered by minimum liability insurance requirements if you cause an accident with one of your cars. This option applies if you own 25 vehicles or more.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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