Cheap Car Insurance in Texas (2023) SEOD-1130 – 123456789,10,11
Texas Farm Bureau has the cheapest car insurance in Texas for most drivers, with rates for full and minimum coverage far below those of other companies in the state.
And while you’ll need to pay membership dues to buy insurance from Texas Farm Bureau, it should ultimately still have the lowest rates in most cases.
However, if you live in Texas and have incidents like accidents or DUIs on your driving record, then State Farm may have the cheapest rates for you.
Cheapest full-coverage car insurance: Texas Farm Bureau
Texas Farm Bureau has the cheapest full-coverage car insurance for Texas drivers, at an average of $86 a month.
Cheapest full-coverage car insurance companies
| Company | Annual rate |
|---|---|
| Texas Farm Bureau | $1,036 |
| State Farm | $1,281 |
| Geico | $1,830 |
| Progressive | $2,674 |
| Allstate | $2,804 |
| USAA* | $1,370 |
*Only available to current/former military and their families.
State Farm, Geico and USAA also offer full-coverage rates that are cheaper than the state average ($1,833). Only drivers with military ties can buy car insurance from USAA, though.
Full-coverage car insurance includes collision and comprehensive coverages on top of liability. It helps protect you against damage you cause to other vehicles, property or people, as well as damage to your own car.
Cheapest liability-only coverage: Texas Farm Bureau
Texas Farm Bureau charges the cheapest liability-only car insurance rates in Texas. Its average rate of $33 a month is 17% cheaper than that of its nearest competitor, State Farm.
Cheapest liability-only car insurance companies
| Company | Annual rate |
|---|---|
| Texas Farm Bureau | $401 |
| State Farm | $483 |
| Geico | $761 |
| Progressive | $1,010 |
| Allstate | $1,038 |
| USAA* | $484 |
Liability-only car insurance covers injuries you cause to others in a car accident. It also covers damage you cause to someone else’s vehicle or property. However, it doesn’t cover damage to your car or your own injuries.
Cheapest rates for young drivers: Texas Farm Bureau
The cheapest car insurance for young drivers in Texas also comes from Texas Farm Bureau. It charges $64 a month, on average, for minimum or liability-only coverage.
Most other companies in Texas charge much higher rates to teen drivers. The average rates from State Farm and Geico are over 50% higher than those of Texas Farm Bureau.
Cheapest car insurance for young drivers
| Company | Annual rate |
|---|---|
| Texas Farm Bureau | $770 |
| State Farm | $1,644 |
| Geico | $1,873 |
| Allstate | $2,260 |
| Progressive | $4,632 |
| USAA* | $993 |
Teen drivers pay more for car insurance than older drivers do because they have a higher risk of accidents. This is why the cost of car insurance usually drops as you age, especially if you keep your driving record clean.
If car insurance is too expensive for you as a young driver, see if you can qualify for any discounts that might help. Many insurance companies offer discounts to student drivers who get good grades, enroll in a safe driver program or take a driver education course.
Cheapest rates after a speeding ticket: Texas Farm Bureau
Texas drivers with a speeding ticket on their records should get a car insurance quote from Texas Farm Bureau. Its average rate of $86 a month is 19% cheaper than second-place State Farm.
Cheapest car insurance with a speeding ticket
| Company | Annual rate |
|---|---|
| Texas Farm Bureau | $1,036 |
| State Farm | $1,281 |
| Geico | $2,198 |
| Allstate | $2,804 |
| Progressive | $3,498 |
| USAA* | $1,547 |
Car insurance rates go up by an average of 12% after you get a speeding ticket in Texas, though this can vary depending on your situation.
Cheapest rates after an accident: State Farm
State Farm has the lowest car insurance rates for Texas drivers after an accident, charging an average $124 a month.
Car insurance rates increase 53% after an accident in Texas, on average. However, State Farm only raises rates an average of 16%, based on our data.
Cheapest car insurance after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,489 |
| Texas Farm Bureau | $1,639 |
| Geico | $2,959 |
| Progressive | $4,135 |
| Allstate | $4,486 |
| USAA* | $2,065 |
Best rates after a DUI: State Farm
State Farm has the best auto insurance rates after a DUI (driving under the influence) conviction. Its average rate in this case is $110 a month — this is 34% lower than what the next-cheapest insurer (Texas Farm Bureau) charges.
Cheapest car insurance with a DUI
| Company | Annual rate |
|---|---|
| State Farm | $1,324 |
| Texas Farm Bureau | $1,994 |
| Progressive | $3,102 |
| Geico | $3,303 |
| Allstate | $4,417 |
| USAA* | $2,061 |
In Texas, a DUI can cause your car insurance rates to go up by an average of 47%. You may have to pay this higher rate for three to five years after the DUI, too.
Best rates for bad credit: Texas Farm Bureau
Texas drivers who have poor credit and want cheap car insurance should start their search with Texas Farm Bureau. It charges $195 a month, on average, in this situation.
Cheapest car insurance with bad credit
| Company | Annual rate |
|---|---|
| Texas Farm Bureau | $2,341 |
| Allstate | $3,954 |
| Progressive | $4,488 |
| Geico | $4,908 |
| State Farm | $7,256 |
| USAA* | $2,357 |
USAA’s average rate for drivers with bad credit is nearly as low, at $196. If you or your spouse or parent is or was in the military, consider USAA as well while you shop for a policy.
The other insurance companies we surveyed in the state charged much higher rates than Texas Farm Bureau and USAA. Still, regardless of where they live, people with poor or bad credit will usually pay for more car insurance.
Texas insurance rates by city
Kileen has the cheapest car insurance rates among Texas’ largest cities. Its average rate is $1,618 a year, or $135 a month.
The Texas city with the most expensive car insurance is Dallas. The average rate there is $2,143 a year, or $179 a month.
| City | Annual rate |
|---|---|
| Amarillo | $1,994 |
| Arlington | $1,897 |
| Austin | $1,818 |
| Brownsville | $1,852 |
| Corpus Christi | $1,767 |
| Dallas | $2,143 |
| Denton | $1,709 |
| El Paso | $1,763 |
| Fort Worth | $1,838 |
| Garland | $2,057 |
| Grand Prairie | $2,059 |
| Houston | $2,136 |
| Irving | $1,983 |
| Killeen | $1,618 |
| Laredo | $1,897 |
| Lubbock | $1,931 |
| McAllen | $2,107 |
| McKinney | $1,846 |
| Mesquite | $2,083 |
| Midland | $1,701 |
| Pasadena | $1,963 |
| Plano | $1,880 |
| San Antonio | $1,938 |
| Waco | $1,636 |
How much is car insurance in Texas?
The average cost of car insurance in Texas is $1,833 a year for full coverage. Per month, the cost is $153.
For minimum or liability-only car insurance coverage, the average cost in Texas is $696 a year or $58 a month.
Full-coverage car insurance is 7% cheaper in Texas than the U.S. average. Meanwhile, liability car insurance is 10% cheaper.
Car insurance laws in Texas
Texas law doesn’t require drivers to have car insurance. It does, however, require drivers to show proof they can pay for any damage they cause in an accident — most people accomplish this by buying car insurance.
Minimum coverage for car insurance in Texas
If you buy car insurance in Texas, you need to get at least 30/60/25 liability coverage. This means you must buy these amounts of liability car insurance, at a minimum:
| Coverage type | Minimum required amount |
|---|---|
| Bodily injury liability | $30,000 per person, $60,000 per accident |
| Property damage liability | $25,000 per accident |
Source: Texas Department of Insurance
Bodily injury liability coverage protects you if you injure someone else in a car accident. Property damage liability protects you if you damage someone else’s car or property.
All car insurance policies offered to Texas drivers include personal injury protection, which pays medical bills for you and your passengers if you’re injured in an accident. It also covers some lost wages and other nonmedical expenses. If you don’t want it, you can reject it in writing.
Texas car insurance companies must also offer you uninsured and underinsured motorist coverage. These coverage types help you if someone who doesn’t have insurance (or doesn’t have enough insurance) hits and injures you or damages your car. You can reject this, too.
Methodology
The rates in this article are based on an analysis of auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Texas (or the U.S., in the case of national averages).
Unless otherwise noted, our sample driver is a single 30-year-old male who owns a 2015 Honda Civic. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by each state.
Full-coverage policies include these coverages, limits and deductibles:
- Bodily injury liability: $50,000 limit per person/$100,000 limit per accident
- Property damage liability: $25,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Frequently asked questions
Texas Farm Bureau has the cheapest car insurance in Texas for most drivers. This includes drivers with a speeding ticket on their records and those who have poor credit. Plus, teen drivers in Texas get the lowest rates from Texas Farm Bureau, too.
The average cost of car insurance per month in Texas is $153 if you buy full coverage. If you just buy liability coverage, however, the average cost is $58 a month.
You should buy enough car insurance to protect yourself if you’re in an accident, or if something else damages or destroys your car. Liability coverage only pays for injuries or damage you cause to others or their property.
Even then, the minimum amount of liability coverage the state requires may not be enough if you’re in a serious crash. Buying 100/300/100 liability coverage offers a lot more protection.
If you have a new or expensive vehicle, you should buy collision and comprehensive coverage. These coverage types pay to repair damage to your car, and they also pay to replace your car if it’s totaled.