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Cheapest car insurance in Texas for 2023
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What To Know First
- The average cost of full coverage car insurance in Texas is about the same as the neighboring state of Arkansas and about 42 percent cheaper than Louisiana.
- You might find the cheapest rates by comparing quotes from multiple carriers and maintaining a clean driving record.
- Cheapest company for minimum coverage: Geico
- Cheapest company for full coverage: State Farm
- Cheapest company for adding a teen driver: Nationwide
- Cheapest company for getting a speeding ticket: Geico
- Cheapest company for being in an at-fault accident: Geico
- Cheapest company for drivers with a high-risk incident: Esurance
On This Page
- The cheapest car insurance companies in Texas
- The cheapest car insurance companies in Texas by coverage level
- Cheapest cities in Texas for car insurance
- Factors that impact cheap rates in Texas
- Minimum coverage requirements for Texas drivers
- How to get the cheapest car insurance in Texas
- Car insurance discounts in Texas
- Frequently asked questions
The cheapest car insurance companies in Texas
Average Texas auto insurance rates are slightly higher than the average rates for the U.S. as a whole. If you're looking for cheap auto insurance in Texas, it may be helpful to understand what factors may be driving up your cost of insurance.
Compare auto insurance rates
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Cheapest company for minimum coverage
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Geico | $34 | $407 |
Cheapest company for full coverage
| Average monthly full coverage premium | Average annual full coverage premium | |
|---|---|---|
| State Farm | $110 | $1,314 |
Cheapest company for adding a teen driver
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Nationwide | $69 | $833 |
Cheapest company for getting a speeding ticket
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Geico | $34 | $407 |
Cheapest company for being in an at-fault accident
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Geico | $34 | $407 |
Cheapest company for drivers with a high-risk incident
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Esurance | $44 | $527 |
The cheapest car insurance companies in Texas by coverage level
Buying minimum coverage car insurance means you are purchasing only the state-required coverage types and limits. Minimum coverage is often the most affordable car insurance option, but the coverage types are limited and coverage limits may be low, potentially leaving your finances exposed in the event of an accident.
Full coverage car insurance includes the addition of comprehensive and collision coverage, which could provide added coverage for your own vehicle, even if you're at fault in an accident. Although it typically costs more, full coverage gives you greater financial protection. If your car sustains damage from a collision, storm, vandalism or theft, you have coverage for the repair costs up to your policy limits.
The tables below show options for cheap car insurance in Texas for both minimum and full coverage. We’ve attached our Bankrate Score to each listed company, highlighting how the carrier performed when assessed on metrics like coverage types, availability, discounts and customer satisfaction. Choosing a carrier with low average rates may help you save on car insurance, but be aware that your own rates will vary based on your personal rating factors.
| Insurance company | Average monthly minimum coverage premium | Average annual minimum coverage premium | Annual savings vs. State average* |
|---|---|---|---|
|
Geico
4.4
Bankrate Score
|
Average monthly minimum coverage premium
$34
|
Average annual minimum coverage premium
$407
|
Annual savings vs. State average*
- $144 |
|
State Farm
4.2
Bankrate Score
|
Average monthly minimum coverage premium
$37
|
Average annual minimum coverage premium
$440
|
Annual savings vs. State average*
- $111 |
|
USAA
4.3
Bankrate Score
|
Average monthly minimum coverage premium
$39
|
Average annual minimum coverage premium
$469
|
Annual savings vs. State average*
- $82 |
|
Mercury
3.2
Bankrate Score
|
Average monthly minimum coverage premium
$40
|
Average annual minimum coverage premium
$475
|
Annual savings vs. State average*
- $76 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with minimum coverage for 2022
| Insurance company | Average monthly full coverage premium | Average annual full coverage premium | Annual savings vs. State average* |
|---|---|---|---|
|
State Farm
4.2
Bankrate Score
|
Average monthly full coverage premium
$110
|
Average annual full coverage premium
$1,314
|
Annual savings vs. State average*
- $554 |
|
Geico
4.4
Bankrate Score
|
Average monthly full coverage premium
$116
|
Average annual full coverage premium
$1,389
|
Annual savings vs. State average*
- $479 |
|
Mercury
3.2
Bankrate Score
|
Average monthly full coverage premium
$123
|
Average annual full coverage premium
$1,480
|
Annual savings vs. State average*
- $388 |
|
Esurance
3.3
Bankrate Score
|
Average monthly full coverage premium
$126
|
Average annual full coverage premium
$1,511
|
Annual savings vs. State average*
- $357 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with full coverage for 2022
Cheapest cities in Texas for car insurance
Your exact location within a state may play a big role in how much you pay for coverage. Larger metropolitan areas, like Houston and San Antonio, generally have higher costs for car insurance in Texas. ZIP code-specific considerations like the cost of healthcare and the likelihood of accidents may also influence your premium.
Your individual rates may vary based on factors like your age, driving record, vehicle type, coverage selections and credit history, but residents in the following cities pay the lowest average premiums for minimum and full coverage Texas car insurance.
| City | City average annual minimum coverage premium | Cheapest car insurance company | Company average annual minimum coverage premium |
|---|---|---|---|
| Darrouzett | $358 | Geico | $257 |
| Memphis | $361 | Geico | $260 |
| Farnsworth | $363 | Geico | $257 |
| Sanderson | $363 | Geico | $259 |
| Booker | $365 | Geico | $257 |
| City | City average annual full coverage premium | Cheapest car insurance company | Company average annual full coverage premium |
|---|---|---|---|
| Miles | $1,558 | State Farm | $1,045 |
| Knickerbocker | $1,562 | State Farm | $1,061 |
| College Station | $1,563 | Geico | $1,102 |
| Burkburnett | $1,567 | State Farm | $1,094 |
| San Angelo | $1,570 | State Farm | $1,053 |
Factors that impact cheap rates in Texas
Car insurance rates typically don’t stay the same throughout your life. If you’ve recently experienced a life event like adding a teen driver to your policy or getting into an accident, you might benefit from shopping around to see which carrier may offer you the lowest rates for your circumstances.
Insuring a teen driver
Adding a teen driver to your policy will typically increase your rates, because teen drivers have higher accident rates than other age groups. Insurance companies balance this increased risk by charging higher premiums for teen drivers. The following companies offer some of the lowest average rates when adding a teen driver to your policy, but you could also save by looking for teen-specific discounts like ones for good students. The following rates reflect adding a teen driver to their married parents' policy.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| Nationwide | $833 | $2,183 |
| State Farm | $964 | $2,605 |
| Geico | $1,014 | $3,059 |
| USAA | $1,272 | $3,595 |
| Encompass | $1,470 | $3,530 |
Getting a speeding ticket
Insurance companies typically see speeding tickets as an indication of risky driving behavior. If you have a speeding ticket conviction, your insurance premium could increase for three to five years, depending on your carrier. The following companies offer some of the lowest average rates for drivers with a single speeding ticket conviction on their record.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| Geico | $438 | $1,510 |
| State Farm | $498 | $1,453 |
| Esurance | $527 | $1,511 |
| USAA | $528 | $1,731 |
| Allstate | $555 | $2,600 |
Getting into an at-fault accident
If you cause an accident, one of your primary concerns may be how much your car insurance will increase. Like tickets, accidents typically increase your insurance premiums for three to five years, depending on the carrier. Some companies weigh accidents less heavily than others and may offer more affordable rates following an at-fault accident.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| Geico | $546 | $1,882 |
| State Farm | $582 | $1,649 |
| Allstate | $707 | $3,169 |
| USAA | $779 | $2,434 |
| Nationwide | $784 | $1,978 |
Being deemed a high-risk driver
A number of scenarios could lead to you being considered a high-risk driver. Several tickets, at-fault accidents, a DUI conviction, a lapse in coverage or a combination of these might cause insurance companies to view you as high-risk.
The rates below are for drivers with a single DUI conviction, one of the most severe driving infractions drivers can earn. If you are a high-risk driver, you might be more limited in your car insurance company options. Some carriers will not offer coverage to drivers with a DUI on their record. The following rates are for a driver with a single DUI conviction.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| Esurance | $527 | $1,511 |
| Geico | $598 | $1,926 |
| Mercury | $636 | $1,911 |
| USAA | $721 | $2,249 |
| Allstate | $792 | $3,564 |
| National General | $795 | $2,315 |
Minimum coverage requirements for Texas drivers
Although most insurance agents recommend buying higher liability limits, you can legally drive in Texas if you meet the minimum required car insurance limits. In Texas, these are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Uninsured and underinsured motorist coverage and personal injury protection (PIP) must be offered by insurers but can be rejected in writing.
Drivers who do not want to purchase a car insurance policy may be able to satisfy the state’s financial responsibility law with surety bonds, deposits or self-insurance. Driving without insurance in Texas, or failing to provide proof of a bond, deposit or self-insurance, is illegal, and drivers who do so could face stiff penalties.
Insurance agents typically recommend that you buy higher liability limits for the greater financial protection they offer. Minimum coverage isn’t always enough to match the cost of damage, especially if you’re at fault for a severe accident. Minimum coverage will also not provide coverage for your own vehicle. If you have a loan or lease on your vehicle, your financial institution will probably require you to purchase comprehensive and collision coverage. If you aren’t sure how much car insurance you need, working with a licensed agent could help.
How to get the cheapest car insurance in Texas
Auto insurance can be expensive, but there are strategies that may help you save on your premium.
Maintain a clean driving record
Finding low-cost car insurance in Texas may be easier when you have a clean driving record. Insurers see incidents like speeding tickets and accidents as indications that you might be more likely to file a claim. This is why they typically increase premiums for three to five years following a ticket or accident. More severe infractions, like a DUI, may cause your rates to increase more substantially and could even result in a non-renewal. Maintaining a clean driving record could help you find and keep lower rates and potentially qualify for safe driving discounts.
Review your car insurance policy each year
Car insurance rates may fluctuate as you age, move or experience other life changes. Reviewing your car insurance coverage types and costs each year may help you determine if you have enough coverage for your needs and if you could potentially qualify for additional savings through discounts you have become eligible for. If you're not satisfied with your coverage or pricing, shopping around before your policy renews could allow you to make the switch to a more affordable carrier.
Car insurance discounts in Texas
Auto insurance discounts may be one of the simplest ways to save on your car insurance. Discounts are commonly available from many insurers, although not all drivers will be eligible. Here are some of the most common discounts you could ask your insurance agent about.