- Texas Farm Bureau has the cheapest car insurance rates in Texas for full coverage at $108 a month among the companies analyzed by the team of CarInsurance.com.
- In Texas, drivers with clean driving records pay 33% less than drivers with a DUI.
- The city of Troy has the lowest auto insurance rates in Texas, with an average premium of $1,689 per year.
- You can save up to 36% per year on your car insurance policy in Texas by comparing price quotes from multiple insurers.
You can find the cheapest full-coverage car insurance in Texas for $108 a month from Texas Farm Bureau. It saves you $62 compared to the state average car insurance cost of $170 monthly.
Shopping for car insurance in Texas can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
Which company offers the cheapest car insurance rates in Texas?
Based on data analysis by CarInsurance.com, Texas Farm Bureau provides the cheapest full coverage auto insurance rates for Texas drivers at a monthly rate of $108 or $1,301 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Texas.
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.
Who pays a lower insurance premium in Texas?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 10% less than single drivers.
- Texas drivers with clean records pay 33% less than drivers who have a DUI on their records.
- 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 companies for different coverage levels in Texas
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of 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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as 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 car insurance companies in Texas for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Texas based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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
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Cheapest auto insurance in Texas by driving history
Your driving history impacts insurance premiums in Texas, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Texas, drivers with a history of traffic violation pay an average of $911 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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 companies in Texas after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,642 a year.
On the other hand, Nationwide offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,085.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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
Texas cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Troy is the city with the lowest premiums in Texas at an annual auto insurance rate of $1,689.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Texas cities with the lowest car 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 |
Explore the top 10 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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