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 rates 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 auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Texas. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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.
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Who pays a lower insurance premium in Texas?
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
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.
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 companies for state minimum coverage in Texas
In Texas, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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 are the average annual rates from major insurance companies in Texas, ranked from cheapest to the most expensive for the 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
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from 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 shows the average annual rates from major insurance providers in Texas, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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
Your driving history affects how much you pay for insurance in Texas because insurance companies use it to assess the risk associated with insuring a driver.
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
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
CarInsurance.com analyzed insurance rates for Texas drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $2,281 . Progressive is the second-cheapest insurer at an average of $2,429 per year.
If you have a clean record, you are likely to pay 33% less for car insurance than someone with a 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 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Texas
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 car 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
Car insurance discounts in Texas can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Texas.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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 car insurance in Texas
Our research shows that Texas Farm Bureau has the cheapest full coverage car insurance rates in Texas for individuals with 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:
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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Texas