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.
- 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.
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.
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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 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
Texas requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 Texas insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, 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 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.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $911 more annually in Texas than an individual with a clean driving record.
Cheap car insurance 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.
Cheap car insurance rates after a DUI conviction in Texas
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.
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 rates after an at-fault accident in Texas
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 .
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.
Cheapest car insurance rates by state
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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.
Troy is the city with the lowest premiums in Texas at an annual auto insurance rate of $1,689 .
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.
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?
If you compare car insurance quotes, you could enjoy an annual saving of around 36% on 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
In Texas, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Texas below.
| 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
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.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Texas is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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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
Executive 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