Texas Auto Insurance (2024)
Texas auto insurance averages $140 monthly for full coverage. However, you could get cheap Texas liability insurance starting at $52/mo if you only need to meet Texas auto insurance requirements. This Texas auto insurance review will help you find the cheapest car insurance coverage in Texas.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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- Texas auto insurance averages $140 monthly, 18% higher than the national average for coverage
- Texas auto insurance requirements include 30/60/25 in liability and $2,500 in personal injury protection (PIP)
- If you have reckless driving or DUI charges, you may need to file an SR-22 with the Texas Department of Public Safety
What is the cheapest auto insurance in the state of Texas? That depends on which city you live in and the kind of driver you are. State Farm auto insurance and Geico auto insurance offer the cheapest car insurance in Texas to the average driver, but young drivers and teens will save more money with Texas Farm Bureau.
On average, Texas drivers pay $140 monthly for full coverage auto insurance, which is 18% more than the national average. Full auto coverage in Texas includes liability insurance, collision and comprehensive coverage, and personal injury protection.
Texas auto insurance rates tend to be higher since state law requires drivers to carry a $2,500 minimum in PIP. You can drop this coverage by submitting a request in writing, but you may still pay more per month based on your age, driving history, and insurance company.
Keep reading to compare Texas auto insurance quotes by city and find the most affordable company near you. This complete guide covers the mandatory Texas car insurance requirements and offers reviews of the best insurance companies for liability, full coverage, and high-risk auto insurance in Texas.
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The Best Texas Auto Insurance Companies
Finding the best auto insurance companies in Texas will take some time to research. Luckily, we’ve gathered the top companies in the nation and compared them to local Texas insurance companies to help you find the best coverage at the most affordable rates:
Texas Average Monthly Full Coverage Auto Insurance Rates
| Insurance Company | 45-Year-Old Male | 45-Year-Old Female |
|---|---|---|
| State Farm Rates | $90 | $90 |
| Travelers Rates | $101 | $100 |
| Geico Rates | $105 | $99 |
| Progressive Rates | $121 | $127 |
| Farmers Rates | $137 | $138 |
| Nationwide Rates | $154 | $151 |
| American Family Rates | $176 | $158 |
| Liberty Mutual Rates | $178 | $175 |
| Allstate Rates | $201 | $198 |
According to J.D. Power, Texas Farm Bureau is the best auto insurance company in Texas based on customer satisfaction, but State Farm and Geico rank higher in terms of rates and coverage options.
Below you’ll find reviews of the top Texas auto insurance companies for liability coverage, full coverage, drivers with poor credit, and young and high-risk drivers.
Cheapest Texas Liability Auto Insurance Company: Geico
Geico auto insurance offers the best rates for any level of coverage to the average driver with a good record. Geico is available throughout the state of Texas and consistently offers competitive quotes in the biggest cities, including San Antonio, Houston, and Dallas.
Cheapest Texas Auto Insurance Company for Young Drivers: Texas Farm Bureau
Drivers between 16 and 19 years old pay the most for car insurance in every state. However, young Texans can save money with Texas Farm Bureau auto insurance. This local insurer offers lower rates than any other Texas insurance company to teen drivers with accidents, poor credit, or DUIs.
Cheapest Texas Auto Insurance Company for Drivers with Poor Credit: Nationwide
Each insurance company considers credit scores differently, and Nationwide auto insurance won’t raise your rates nearly as high as other insurers in Texas. Nationwide may not offer the cheapest car insurance in Texas to the average driver, but rates for those with bad or no credit are very affordable.
Cheapest Texas Auto Insurance Company for High-Risk Drivers: State Farm
State Farm auto insurance accepts SR-22s and offers the cheapest Texas auto insurance rates after an accident, speeding ticket, or DUI. High-risk drivers generally pay around $190 per month for coverage in Texas, but you could get much lower Texas auto insurance quotes with State Farm.
Texas Auto Insurance Rates
The average car insurance cost in Texas is around $140 per month for full coverage auto insurance and $52 for minimum liability auto insurance. Your rates may be higher or lower depending on which city you live in and how much coverage you carry.
Texas Auto Insurance Rates by City
Bigger cities in Texas have more traffic and an increased risk of auto accidents and insurance claims. Insurance companies also charge more for driving in urban areas than on rural roads. That’s why even the best car insurance rates in Houston are still more expensive than rates in Lubbock or Plano.
Houston, San Antonio, and Dallas are the largest cities in Texas, with populations over one million. Compared to other Texas drivers, drivers in Houston pay about 18% more for insurance, while Dallas and San Antonio drivers pay 5%-15% more. For even more specifics check out auto insurance rates by ZIP code.
Texas Auto Insurance Rates by Coverage
What are the state minimums for auto insurance in Texas? Texas law requires drivers to carry a minimum liability policy and personal injury protection (PIP) coverage. Use the table below to see how much coverage costs in Texas.
Full Coverage vs. Liability-Only Auto Insurance Monthly Rates
| Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Allstate | $45 | $318 |
| American Family | $31 | $224 |
| Auto-Owners | $33 | $87 |
| Farmers | $40 | $288 |
| Geico | $25 | $179 |
| Liberty Mutual | $56 | $398 |
| Nationwide | $32 | $229 |
| Progressive | $40 | $283 |
| State Farm | $33 | $235 |
| Travelers | $40 | $287 |
| USAA | $23 | $161 |
| U.S. Average | $36 | $260 |
Full coverage costs more than cheap Texas liability insurance, but it’ll save you from paying out of pocket for personal damages after an accident. Likewise, adding optional coverage like gap insurance and roadside assistance will raise your rates.
Carrying only the state minimums for auto insurance in Texas will give you the lowest rates, but you’re responsible for any personal costs after an accident.
Texas Auto Insurance Requirements
By law, drivers must carry minimum levels of bodily injury and personal property coverage to drive on Texas roads.
Below are the Texas auto insurance requirements:
- Liability: Texas auto insurance requirements includes minimum liability auto insurance of $30,000 for bodily injury per person, $60,000 for injury per accident, and $25,000 for property damage.
- Personal injury protection: Drivers must carry at least $2,500 in personal injury protection (PIP) auto insurance or turn down this coverage by submitting a request in writing.
If you choose to not buy Texas auto insurance requirements, you could lose your license and registration. You’ will’ll be fined up to $350, which increases to $1,000 after subsequent offenses. In addition, the law can impound your vehicle, and you may have to carry SR-22 auto insurance to reinstate your Texas car insurance coverage.
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Texas Optional Auto Insurance Coverage Types
Texas auto insurance requirements don’t include full coverage car insurance, but you can add these optional auto insurance types to better protect you and your passengers:
- Collision: Collision auto insurance pays for your and your passengers’ injuries and property damage after an accident or collision.
- Comprehensive: Comprehensive auto insurance pays for damages caused by unforeseen circumstances, including theft, vandalism, fire, and natural disasters.
- Uninsured motorist coverage: Uninsured/underinsured motorist coverage pays for property damage and medical costs if you’re in an accident with an uninsured, underinsured, or hit-and-run driver.
- Gap insurance: Gap insurance covers your auto loan should you total your vehicle in an accident before paying it off.
- Roadside assistance: Roadside assistance covers the cost of a tow, locksmith, tire replacement, or battery jump-start if your car cannot be driven. Options vary by city and company.
- Rental car reimbursement: Rental car reimbursement pays for a rental car when your vehicle is in the shop for repairs after a claim. Limitations apply, and options vary by city and company.
Keep in mind that the terms of your auto loan or lease agreement will dictate how much Texas auto insurance coverage you need. For example, most auto loans require drivers to carry additional collision and comprehensive insurance, which will raise your Texas auto insurance rates.
Cheapest Auto Insurance Rates in Texas
Finding cheap auto insurance in Texas comes down to how old you are, how much coverage you need, and what your driving history looks like. Auto insurance for teens and those with accidents or DUIs are often higher becuase they are considered high-risk. Compare that to drivers in their 30s and 40s with clean records who have the cheapest car insurance in Texas.
The cheapest auto insurance companies in Texas are State Farm, Geico, and Texas Farm Bureau. USAA auto insurance also offers affordable auto insurance in Texas, but coverage is only available to active and retired military members and their families.
Below we compare Texas auto insurance quotes by company to help drivers like you find the most affordable coverage. Scroll down to compare Texas auto insurance rates by coverage level for drivers with poor credit scores, young drivers, and high-risk drivers.
Cheapest Texas Liability Auto Insurance Rates
Liability-only car insurance in Texas costs around $52 per month. Use the table below to compare these average rates to quotes from the top insurers in Texas:
Liability Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Geico offers cheap liability insurance in Texas, followed by State Farm and Texas Farm Bureau. USAA’s rates are also competitive, but coverage isn’t available to every driver.
Cheapest Texas Full Coverage Auto Insurance Rates
The average cost of full coverage auto insurance in Texas is $140 per month.
This table shows how your rates can vary based on the company you shop with.
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
You can lower your rates by dropping unnecessary coverages or raising your auto insurance deductibles, but you face higher personal costs after a claim.
Cheapest Texas Auto Insurance Rates for Bad Credit
Using credit scores for insurance rates is illegal in some states, but Texas law allows companies to check your score when you apply for a policy.
See how poor credit impacts your Texas car insurance rates with the major companies listed below:
Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
Fortunately, some insurance companies don’t check credit scores or use a different risk-assessment strategy to determine driver rates. See this list for the best auto insurance companies that don’t check credit.
For example, insurers that use usage-based auto insurance rely on driving habits and mileage to determine rates. Signing up for usage-based insurance in Texas with State Farm, Progressive auto insurance, Farmers, or Allstate could help you obtain cheap Texas auto insurance.
Cheapest Texas Auto Insurance Rates for Young Drivers
Young drivers under 25 pay the most for car insurance in Texas, but there are plenty of tips for finding auto insurance for young drivers. Teens with good driving records can see their rates drop after they turn 21, but the cheapest auto insurance in Texas is for drivers between the ages of 30 and 50.
Texas Average Annual Teenage Driver Auto Insurance Rates
| Insurance Company | 16-Year-Old Male Rates | 16-Year-Old-Female Rates |
|---|---|---|
| Allstate | $8,514 | $7,749 |
| American Family | $7,045 | $5,935 |
| Farmers | $9,202 | $9,646 |
| Geico | $2,859 | $3,011 |
| Liberty Mutual | $9,644 | $8,873 |
| Nationwide | $8,477 | $7,135 |
| Progressive | $12,191 | $11,914 |
| State Farm | $3,781 | $3,240 |
| Travelers | $11,131 | $8,798 |
| USAA | $2,350 | $2,374 |
Texas Farm Bureau provides the cheapest auto insurance for teens in Texas.
Cheapest Texas High-Risk Auto Insurance Rates
Traffic violations, DUIs, accidents, and insurance claim all increase your risk as a driver. On average, high-risk drivers pay around $189 a month for coverage.
However, each insurance company ranks these violations differently. If your insurance company increased your rates after an accident or DUI, start shopping for new quotes as soon as possible. The table below compares high-risk auto insurance rates from the top Texas insurance companies:
Full Coverage Auto Insurance Average Rates by Company and Driving Record
| Insurance Company | Monthly Rates with a DUI | Monthly Rates with an Accident | Monthly Rates with a Ticket | Monthly Rates with a Clean Record |
|---|---|---|---|---|
| Allstate | $270 | $225 | $188 | $160 |
| American Family | $194 | $176 | $136 | $116 |
| Farmers | $193 | $198 | $173 | $139 |
| Geico | $216 | $133 | $106 | $80 |
| Liberty Mutual | $313 | $234 | $212 | $174 |
| Nationwide | $237 | $161 | $137 | $115 |
| Progressive | $140 | $186 | $140 | $105 |
| State Farm | $112 | $102 | $96 | $86 |
| Travelers | $206 | $139 | $134 | $99 |
| USAA | $108 | $78 | $67 | $59 |
| U.S. Average | $146 | $173 | $147 | $119 |
Comparing Texas auto insurance rates by violation is the easiest way to find more affordable high-risk Texas car insurance quotes.
Cheapest Texas Auto Insurance Rates After a DUI
As most people know, a DUI is definitely going to increase the cost of your auto insurance. Regardless, of where you live, this will be the case. Here is a look at the average rates for a driver with a DUI on their driving record.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
These rates are substantially higher than the rates for those without a DUI. With time and excellent driving, your rates will go down after a DUI. If you need more information, check out auto insurance for drivers with DUIs.
Cheapest Texas Auto Insurance Rates After an At-Fault Accident
Like a DUI, an at-fault accident will more than likely increase your car insurance rates. The impact on costs will vary based on how much your insurance company had to pay out. Here is an idea of what you may end up paying if you have at-fault accidents on your driving record in the state of Texas.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
With great driving and no accidents, you can take solace in the fact that Texas insurance rates will go down eventually. However, you’ll find the cheapest Texas auto insurance for drivers with accidents if you buy State Farm coverage.
Compare Texas Auto Insurance Quotes
Is Texas expensive for car insurance? Yes, Texas drivers pay about 18% more than the average driver due to the increased traffic risks and fast interstate highway speeds. Fortunately, drivers throughout Texas can save money by knowing how to get multiple auto insurance quotes and comparing Texas insurance rates from multiple companies.
The top auto insurance companies in Texas are State Farm, Geico, and Texas Farm Bureau. Military members get the best rates with USAA, and drivers with poor credit will find affordable coverage with Nationwide.
However, the Texas city you live in will significantly impact how much you pay for coverage. Even the best Texas car insurance companies will still offer more affordable rates to drivers in smaller cities. For example, auto insurance in Austin, Texas, the state captial, is cheaper than rates in Dallas, San Antonio, or Houston.
If you’re looking for the best car insurance in Texas, enter your ZIP code below. You can compare Texas auto insurance quotes from companies in your area to find you the most affordable coverage.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
Who has the best auto insurance rates in Texas?
Texas Farm Bureau, State Farm, and Geico sell the cheapest car insurance in Texas. You’ll find the most affordable Texas car insurance rates by comparing quotes from these and other Texas auto insurance companies in your city.
How much is car insurance in Texas?
Auto insurance in Texas is about $52 per month for liability-only and about $140 for full coverage. If you have accidents or other insurance claims on your record, your rates will average $189 per month.
Why is car insurance so expensive in Texas?
Drivers in Texas pay about 18% more for car insurance than the national average. Traffic rates in the state’s largest cities and higher average speeds on state highways lead to more expensive insurance rates.
Texas state insurance laws also require drivers to carry at least $2,500 in PIP, which makes minimum auto insurance more expensive than in other states.
The good news is you can keep your insurance costs low by comparing quotes and coverage from multiple companies. Enter your ZIP code below to start comparing Texas auto insurance rates by city for free.
Is auto insurance mandatory in Texas?
Yes, auto insurance is mandatory in Texas. All drivers are required to carry liability insurance that meets the minimum coverage limits set by the state. Failure to maintain proper insurance coverage can result in penalties and fines.
What are the minimum auto insurance requirements in Texas?
In Texas, the minimum auto insurance requirements are commonly referred to as 30/60/25 coverage. This means you must have at least:
- $30,000 in bodily injury liability coverage per person
- $60,000 in bodily injury liability coverage per accident
- $25,000 in property damage liability coverage per accident
What does Texas liability insurance cover?
Texas liability insurance covers the costs associated with injuries or property damage you may cause to others in an accident. It helps pay for medical expenses, lost wages, pain and suffering, and property repairs or replacements. It doesn’t cover your own vehicle or injuries.
Are there any additional coverage options available in Texas?
Yes, in addition to the mandatory Texas liability insurance coverage, you can purchase additional coverage options to enhance your auto insurance policy. Some common options include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP).
How are auto insurance rates determined in Texas?
Auto insurance rates in Texas are determined by various factors, including your age, driving record, the type of vehicle you drive, your credit history, where you live, and the coverage limits you choose. Insurance companies use these factors to assess the risk associated with insuring you and calculate your premium accordingly.
What should I do if I’m involved in a car accident in Texas?
If you’re involved in a car accident in Texas, follow these steps:
- Ensure your safety and the safety of others involved.
- Call the police to report the accident.
- Exchange information with the other driver(s) involved, including names, contact details, and insurance information.
- Document the accident scene by taking photos and gathering witness information if possible.
- Notify your Texas insurance company and provide them with accurate and timely information about the accident.
Can my auto insurance policy cover rental cars in Texas?
Some auto insurance policies in Texas may provide coverage for rental cars, but it depends on the specific terms and conditions of your policy. Review your policy or contact your insurance company to understand if rental car coverage is included or if you can add it as an optional coverage.
How can I find the best auto insurance rates in Texas?
To find the best auto insurance rates in Texas, consider the following tips:
- Shop around and compare Texas auto insurance quotes from multiple insurance companies.
- Maintain a good driving record and credit history.
- Bundle your Texas auto insurance with other policies, such as homeowners or renters insurance.
- Inquire about available Texas car insurance discounts, such as multi-car discounts and safe driver discounts.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.