The Cheapest — and Best — Texas Car Insurance Companies (2023)
State Farm has the best cheap car insurance in Texas, at $29 per month for minimum liability coverage.
Find Cheap Auto Insurance Quotes in Texas
Best cheap car insurance companies in Texas
We gathered more than 855,000 car insurance quotes across Texas and ranked the cheapest companies based on factors like cost, customer support and coverage options to help find the best cheap car insurance for you.
Minimum liability quotes meet the Texas state minimum requirements of $30,000 in bodily injury liability per person and $60,000 per accident plus $25,000 in property damage coverage. Full coverage quotes include higher liability limits plus comprehensive and collision coverage.
Cheapest full coverage auto insurance in Texas: State Farm
State Farm, Farm Bureau and USAA are the cheapest insurance companies in Texas. All three offer full coverage policies that are less than $105 per month, which is much cheaper than average.
In Texas, the average cost of a full coverage policy is $136 per month.
Find Cheap Auto Insurance Quotes in Texas
Cheap Texas auto insurance companies for full coverage
Company | Monthly rate | |
|---|---|---|
| State Farm | $72 |
| Farm Bureau | $85 |
| Geico | $110 |
| Progressive | $213 |
| Allstate | $232 |
| USAA | $104 |
*USAA is only available to current and former military members and their families.
Cheapest liability auto insurance companies in Texas
State Farm offers the cheapest rate in Texas at $29 per month for minimum liability coverage. That's 39% cheaper than the average cost of minimum coverage in Texas. Other cheap companies include USAA, Farm Bureau and Geico, but USAA is only available to current and former military members and their families.
The average cost of car insurance in Texas is $48 per month for a minimum liability policy.
Cheap minimum coverage car insurance quotes in Texas
Company | Monthly rate | |
|---|---|---|
|
| State Farm | $29 |
|
| Farm Bureau | $32 |
|
| Geico | $46 |
|
| Allstate | $72 |
|
| Progressive | $75 |
|
| USAA | $34 |
*USAA is only available to current and former military members and their families.
If you're looking for the cheapest car insurance possible, buy a policy that only meets Texas minimum state requirements for liability insurance.
These quotes meet the legal insurance requirements in Texas, which include $30,000 in bodily injury liability per person and $60,000 per accident along with $25,000 in property damage coverage. But you don't get any coverage beyond what's required.
Minimum liability policies are cheap, but they may not protect you much after an accident.
For example, after a major crash, the other driver's medical bills could top the $30,000 bodily injury coverage limit. You would have to pay for costs above the limit.
And minimum liability policies don't cover damage to your car. For that, you need comprehensive and collision insurance, which is included in a full coverage policy.
Cheapest car insurance quotes for teens in Texas: Farm Bureau
Drivers in their teens are more likely to get into accidents than drivers with more experience. That's why insurance companies charge them higher insurance rates.
An 18-year-old in Texas pays more than triple what a 30-year-old does for a minimum coverage policy.
Cheap Texas auto insurance companies for young drivers
Farm Bureau offers Texas teens the best car insurance rates for minimum coverage and full coverage. A minimum coverage policy from Farm Bureau costs $62 per month, and full coverage costs $140 per month.
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $62 | $140 |
| State Farm | $100 | $213 |
| Geico | $102 | $234 |
| Progressive | $339 | $1,063 |
| Allstate | $372 | $975 |
Teen drivers should get full coverage insurance if they drive a newer car and can afford it. There's a big cost difference. Minimum coverage averages $174 per month, versus $468 per month for full coverage. However, full coverage includes collision and comprehensive coverage to pay for damage to your car. That can be useful for teens, who are more likely to get into an accident.
Cheap Texas car insurance rates after a ticket: State Farm
State Farm and Farm Bureau have the cheapest full coverage rates for Texas drivers with a speeding ticket. Rates are at least $65 per month cheaper than average.
Average auto insurance rates in Texas go up by 10% for a driver who has a speeding ticket. But companies determine rate changes differently. You may not see an increase with State Farm or Farm Bureau.
Cheap Texas auto insurance companies after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $72 |
| Farm Bureau | $85 |
| Geico | $131 |
| Allstate | $232 |
| Progressive | $260 |
Cheap auto insurance quotes after an at-fault accident in Texas: State Farm
State Farm, Farm Bureau and USAA are the cheapest car insurance companies in Texas if you've caused an accident. State Farm is the best deal, with rates under $100 per month.
Your driving history can have a big effect on how much you pay for insurance. If you cause an accident in Texas, insurance companies will raise your rates for full coverage by an average of 51%.
Cheapest Texas car insurance companies after an accident
Company | Monthly rate |
|---|---|
| State Farm | $86 |
| Farm Bureau | $134 |
| Geico | $174 |
| Progressive | $318 |
| Allstate | $363 |
Cheapest car insurance for teens after a ticket or accident
Farm Bureau has the cheapest car insurance quotes for teen drivers in Texas after a speeding ticket or accident. A minimum coverage policy from Farm Bureau costs $62 per month after a single speeding ticket. That's $116 per month cheaper than average in Texas. Teen drivers that have caused an accident pay $89 per month for minimum coverage from Farm Bureau. That's $160 less per month than the state average.
Company | Speeding ticket | Accident |
|---|---|---|
| Farm Bureau | $62 | $89 |
| State Farm | $100 | $116 |
| Geico | $112 | $146 |
| Progressive | $338 | $366 |
| Allstate | $372 | $672 |
Young drivers in Texas can expect minimum coverage rates to increase by 2% after a speeding ticket and 43% after an accident.
Best cheap Texas auto insurance rates with a DUI: State Farm
State Farm, USAA and Farm Bureau are the most affordable companies for DUI or SR-22 drivers. Full coverage from State Farm costs $117 per month, which is 43% cheaper than the state average. Texans with a DUI citation for driving under the influence could see their rates nearly double.
Cheap Texas car insurance companies after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $117 |
| Farm Bureau | $163 |
| Geico | $192 |
| Progressive | $241 |
| Allstate | $361 |
Cheapest auto insurance for drivers with poor credit: Farm Bureau
Farm Bureau is the cheapest company for drivers with poor credit, with an average rate of $192 per month for full coverage.
Cheapest Texas auto insurance companies if you have poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $192 |
| Geico | $295 |
| Allstate | $328 |
| Progressive | $371 |
| State Farm | $376 |
Texas drivers with low credit scores tend to pay more for insurance than those with good credit. Your credit score doesn't reflect your driving ability. But insurance companies have found that drivers with poor credit are more likely to file a claim. This means you usually pay more if you have poor credit.
Best car insurance companies in Texas
USAA and Farm Bureau are the best auto insurance companies in Texas, thanks to cheap rates and top customer service ratings.
The best car insurance companies balance affordability and dependable service to give drivers great value. The best companies in Texas are Farm Bureau, USAA and State Farm.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Farm Bureau | NR | A | |
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Allstate | 824 | A+ |
Average cost of car insurance in Texas by city
Marfa has the cheapest car insurance in Texas, with an average rate of $114 per month for full coverage. North Houston is the most expensive city at $175 per month.
How much do people pay for car insurance in Texas? Texas drivers will pay $136 per month, on average, for a full coverage policy. But average rates can vary by $61 per month for full coverage, depending on where you live.
City | Average monthly cost | Percent from average |
|---|---|---|
| Abbott | $117 | -14% |
| Abernathy | $137 | 1% |
| Abilene | $129 | -5% |
| Abram | $157 | 15% |
| Ace | $140 | 3% |
Auto insurance in Texas: Minimum liability insurance requirements
Texas requires drivers to have a minimum amount of liability insurance, sometimes written as 30/60/25. Other types of coverage are optional, like collision, comprehensive, personal injury protection and uninsured motorist coverage.
Coverage | Limit |
|---|---|
| Bodily injury (BI) liability insurance | $30,000 per person; $60,000 per accident |
| Property damage (PD) liability insurance | $25,000 per accident |
It's a good idea to increase your coverage limits above the required minimums if you can afford it. If you're involved in a serious car accident, your insurance company will only cover you up to the amounts on your policy. You'll be responsible for paying any medical bills or car repair costs that are more expensive than your car insurance limits.
Frequently asked questions
Who has the cheapest car insurance in Texas?
State Farm has the best rate for minimum coverage, at an average price of $29 per month. It also has the lowest rate for full coverage, at $72 month. Your rate will be different based on where you live, your car and your driving history.
How much is car insurance in Texas?
The average price of car insurance in Texas is $48 per month for minimum coverage. Rates for full coverage average $136 per month.
Why is auto insurance so expensive in Texas?
Car insurance in Texas is not as expensive as in some states. A full coverage policy in Texas is 9% cheaper than the national average. Minimum coverage in Texas is 17% cheaper than the national average. However, Texas also has several major cities with lots of traffic, which leads to higher risks of car accidents and theft. Drivers living in these areas may have more expensive rates.
How much car insurance do I need in Texas?
The minimum car insurance required in Texas is often referred to as 30/60/25. That means coverage for bodily injury liability at $30,000 per person and $60,000 per incident, plus $25,000 of property damage liability coverage.
Methodology
We collected thousands of quotes from ZIP codes across Texas for the largest insurance companies. Rates are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Unless otherwise noted, rates are for a full coverage policy with collision, comprehensive and liability coverage:
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person; $100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person; $100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.