- 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.
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.
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 Texas companies for different coverage levels
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.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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 insurance providers for liability-only coverage in Texas
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Texas, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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
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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 after a speeding ticket in Texas
If you’ve got a speeding ticket on your Texas driving record and need affordable car insurance, Nationwide might be the answer. With an average annual rate of $1,664, Nationwide offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Texas.
| 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
Cities with the lowest auto insurance rates in Texas
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Texas, Troy stands out as the city with the lowest auto insurance rates, at an average of $1,689 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Texas with the most affordable 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 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Texas?
By comparing car insurance quotes, you can save an average of 36% per year for a full coverage policy in Texas.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable 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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