The cheapest car insurance in Texas costs $108 per month for a full coverage policy from Texas Farm Bureau. That’s a $62 savings from the average cost of insurance in the state, which is $170 a month.
“Drivers looking to get the cheapest insurance premiums in Texas should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Texas including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- According to recent data, Texas Farm Bureau offers the cheapest full coverage car insurance in Texas at $108 per month.
- Texas drivers with a clean driving record pay 33% less for car insurance than drivers with a DUI.
- In Texas, the city of Troy has the most affordable car insurance rates at $1,689 annually.
- Comparing price quotes from multiple insurers can help you save up to 36% per year on your car insurance policy in Texas.
Which company offers the cheapest car insurance in Texas?
Texas Farm Bureau offers the cheapest car insurance rates in Texas for a full coverage policy with an average premium of $108 per month or around $1,301 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Texas by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Texas per month
| Company | Full coverage monthly rates |
|---|---|
| Texas Farm Bureau | $108 |
| Nationwide | $125 |
| Geico | $137 |
| Redpoint County Mutual | $140 |
| State Farm | $163 |
| Auto Club Enterprises (AAA) | $165 |
| Allstate | $245 |
| Progressive | $253 |
| Farmers | $344 |
| USAA* | $151 |
Note: USAA is only available to military community members and their families.
Texas drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 10% less than single drivers.
- Texas drivers with clean records pay 33% less than drivers who have a DUI on their record.
- Texas drivers in their 20s pay 41% lower rates for insurance than a 16-year-old in Texas.
- Adding a teen to your policy will cost you 65% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 20% less on their insurance premiums.
- Drivers insured for three or more years can save up to 17% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 9% for this state more on their premiums.
Cheapest insurers for different coverage levels in Texas
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Texas Farm Bureau is the cheapest for a state minimum policy.
- Texas Farm Bureau has the cheapest rates for a liability-only policy (50/100/50).
- Texas Farm Bureau offers the cheapest car insurance for a full coverage policy (100/300/100) in Texas.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest state minimum coverage in Texas
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Texas, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $30,000/$60,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Texas, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Texas Farm Bureau | $363 |
| State Farm | $419 |
| Geico | $445 |
| Allstate | $560 |
| Auto Club Enterprises (AAA) | $564 |
| Nationwide | $596 |
| Redpoint County Mutual | $656 |
| Progressive | $665 |
| Farmers | $1,122 |
| USAA* | $446 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Texas
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Texas, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Texas Farm Bureau | $462 |
| State Farm | $624 |
| Geico | $650 |
| Nationwide | $748 |
| Auto Club Enterprises (AAA) | $825 |
| Allstate | $843 |
| Redpoint County Mutual | $905 |
| Progressive | $977 |
| Farmers | $1,543 |
| USAA* | $602 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Texas
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Texas from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Texas Farm Bureau | $1,301 |
| Nationwide | $1,502 |
| Geico | $1,644 |
| Redpoint County Mutual | $1,681 |
| State Farm | $1,956 |
| Auto Club Enterprises (AAA) | $1,983 |
| Allstate | $2,941 |
| Progressive | $3,032 |
| Farmers | $4,127 |
| USAA* | $1,812 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Texas by driving history
In Texas, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Texas, drivers with a history of such violations typically pay $911 more annually than drivers with clean records.
Cheap car insurance rates in Texas after a speeding ticket
A speeding ticket can impact your Texas car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Nationwide has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,664 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Nationwide | $1,295 | $1,664 | 28% | $369 |
| Auto Club Enterprises (AAA) | $1,614 | $2,393 | 48% | $779 |
| Geico | $1,548 | $2,429 | 57% | $881 |
| Progressive | $2,001 | $2,656 | 33% | $655 |
| Mercury Insurance | $2,119 | $2,896 | 37% | $777 |
| Farmers | $2,645 | $3,690 | 40% | $1,045 |
| USAA* | $1,682 | $1,903 | 13% | $221 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Texas after a DUI conviction
State Farm offers the cheapest car insurance to Texas drivers with a DUI conviction at $2,281 per year and Progressive has the second-cheapest insurance premiums at $2,429 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 33% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,364 | $2,281 | 67% | $916 |
| Progressive | $2,001 | $2,429 | 21% | $428 |
| Nationwide | $1,295 | $2,635 | 104% | $1,340 |
| Auto Club Enterprises (AAA) | $1,614 | $2,665 | 65% | $1,051 |
| Geico | $1,548 | $2,722 | 76% | $1,174 |
| Mercury Insurance | $2,119 | $2,748 | 30% | $629 |
| Farmers | $2,645 | $3,001 | 13% | $356 |
| Allstate | $3,564 | $5,654 | 59% | $2,091 |
| USAA* | $1,682 | $2,533 | 51% | $851 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in Texas after an at-fault accident
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,642 annually.
Nationwide is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $2,085.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,364 | $1,642 | 20% | $278 |
| Nationwide | $1,295 | $2,085 | 61% | $790 |
| Geico | $1,548 | $2,441 | 58% | $893 |
| Auto Club Enterprises (AAA) | $1,614 | $2,641 | 64% | $1,027 |
| Progressive | $2,001 | $3,236 | 62% | $1,234 |
| Mercury Insurance | $2,119 | $4,031 | 90% | $1,912 |
| Farmers | $2,645 | $4,926 | 86% | $2,281 |
| Allstate | $3,564 | $5,613 | 58% | $2,049 |
| USAA* | $1,682 | $2,670 | 59% | $988 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Which cities in Texas have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Texas is Troy, at $1,689 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Texas with the lowest auto insurance rates.
| City | Full coverage annual rates |
|---|---|
| Troy | $1,689 |
| Belton | $1,735 |
| Dinero | $1,737 |
| Heidenheimer | $1,740 |
| Wellborn | $1,740 |
| Hewitt | $1,742 |
| Salado | $1,748 |
| Kurten | $1,754 |
| Eddy | $1,754 |
| Riesel | $1,755 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto insurance in Texas?
Shopping around for car insurance quotes in Texas can help drivers save 36% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Texas: Save on premiums
Texas drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Texas.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 2% | $47 |
| Anti-theft device | 1% | $25 |
| Daily commute | 6% | $200 |
| Days advanced purchase | 6% | $196 |
| Days per week driven | 9% | $256 |
| Education | 6% | $221 |
| Electronic funds transfer | 5% | $141 |
| Electronic signature | 8% | $293 |
| Homeowner | 5% | $147 |
| Lower annual mileage | 6% | $160 |
| Loyalty – years renewal with company | 11% | $212 |
| Marital status | 10% | $249 |
| Multi policy | 9% | $245 |
| Paperless/electornic documents | 2% | $49 |
| Payment type | 10% | $265 |
| Primary use | 8% | $211 |
| Profession | 10% | $346 |
| Safety devices | 4% | $126 |
| Telematics | 10% | $237 |
| Vehicle ownership | 5% | $165 |
| Years insured | 16% | $618 |
| Years licensed | 19% | $889 |
The bottom line on cheap auto insurance in Texas
Based on our findings, Texas Farm Bureau provides the cheapest rates for a full coverage policy in Texas if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Texas, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Texas for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 30/60/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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