Cheap Texas Car Insurance

Find affordable auto insurance that works for you in Texas. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Texas

The average car insurance rate in Texas is $1,415 per year — 9% less than the U.S. average.

However, auto insurance costs are affected by more than just state lines. Auto insurance premiums incorporate a number of factors, including a motorist's age, gender, marital status, credit and driving history.

We reviewed Texas auto insurance premiums by each of the more significant pricing factors. Read on to see how much auto insurance costs in your state — or enter your ZIP code above to view free, unique rates from leading insurance companies.


 

Affordable insurance companies in Texas

What's the cheapest car insurance in Texas?
Rank Company Name Avg. Annual Premium
1 Travelers $1,031
2 Cal Casualty $1,410
3 USAA $1,461
4 Elephant $1,464
5 Esurance $1,478
6 Mercury $1,491
7 State Farm $1,574
8 Texas Farm Bureau $1,679
9 Allstate $2,516
10 Dairyland $3,012

See rates from dozens of companies in Texas by entering your ZIP code below.

Compare Texas car insurance quotes from top providers.

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Cheap auto insurance for good drivers in Texas

Drivers with good records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Texas drivers without a recent moving violation save 8% on their car insurance premiums, on average — compared to the national average of 25%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

If you feel like your rates are high in spite of your clean driving record, get car insurance quotes every few months to ensure you're getting a good deal.

 

TEXAS CAR INSURANCE AVERAGE SAVINGS FOR GOOD DRIVERS
Rating Factor $ Savings % Savings
No Traffic Tickets $247 17.47%
No Accidents $253 17.87%
Good Credit $946 51.82%

 

Cheap auto insurance for young drivers in Texas

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Texas, teen drivers pay especially high rates: $3,300 per year — more than $1,750 more than the nationwide average and over twice as much as a typical Texas driver.

 

TEXAS CAR INSURANCE RATES BY AGE GROUP
Age Annual Average Premium
16 $4,049
17 $3,433
18 $3,035
19 $2,681
20s $1,757

 

Cheap auto insurance for bad drivers in Texas

If you have a clean driving record in Texas — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 54% after a DUI, 50% after an at-fault accident, and 9% after a speeding ticket in Texas. If you have a sparkling clean driving history, be sure to inquire about your insurer's safe driver discount.

Rating Factor Annual Rate % Increase
At-Fault Accident $2,129 50%
DUI $2,177 54%
Speeding Violation $1,536 9%

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Top rated car insurance companies in Texas

Every auto insurance company advertises its low premiums. As with any product, the cheapest auto insurance policy isn't always the best choice. Considering the stakes, it's worthwhile to do your homework to discover an insurance policy that covers your vehicle adequately after an accident. It's worth comparing insurance options to find the best value, instead of settling for the most affordable car insurance in Texas.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
Cal Casualty N/A N/A Good N/A
Esurance N/A N/A Superior N/A
GEICO Average Average Superior 4.4 / 5
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
Texas Farm Bureau N/A N/A Excellent N/A
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5

 

Texas auto insurance laws

In the state of Texas, the state minimum coverage requirement is liability insurance with limits of:

  • Bodily injury liability: $30,000 per person
  • Bodily injury liability: $60,000 per accident
  • Property damage liability: $25,000 per accident

Optional coverage in Texas (varies by carrier):

  • Uninsured/Underinsured Motorist Coverage
  • Uninsured Motorist Property Damage
  • Personal Injury Protection (PIP)
  • Additional Medical Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Rental Car Reimbursement
  • Roadside Assistance/Towing and Labor

If you choose the legal minimum coverage level in Texas, expect to pay an average of $576 annually. This expenditure is less expensive than the nationwide average by 8%. If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Texas, a comprehensive insurance policy with a $1,000 deductible costs $1,254, 118% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 160% more than you would for basic coverage.

Learn more about minimum auto insurance requirements in Texas

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How tickets change insurance rates in Texas

If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below average auto insurance rates in Texas after a few common citations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,177 54% $762
Refused Breathalyzer/Chemical Test $2,159 53% $744
DUI $2,177 54% $762
Racing $1,946 38% $531
Reckless Driving $2,159 53% $744
Driving with a Suspended License $2,071 46% $656
At-Fault Accident $2,129 50% $714
Driving with an Open Container $1,989 41% $574
Operating a Vehicle Without Permission $1,537 9% $122
Passing a School Bus $1,650 17% $235
Improper Passing $1,537 9% $122
Following Too Closely $1,537 9% $122
Speeding $1,536 9% $121
Failure to Stop at a Red Light $1,537 9% $122
Illegal Turn $1,537 9% $122
Driving Wrong Way/Wrong Lane $1,537 9% $122
Failure to Yield $1,537 9% $122
Speeding in a School Zone $1,536 9% $121
Driving Too Slowly $1,536 9% $121
Distracted Driving $1,537 9% $122
Driving with Expired Registration $1,415 0% $0
Failure to Show Documents $1,415 0% $0
Not-at-Fault Accident $1,495 6% $80
Failure to Use Child Safety Restraint $1,446 2% $31
Failure to Wear a Seat Belt $1,446 2% $31
Driving Without Lights $1,446 2% $31

 

Texas car insurance FAQs

Who has the cheapest car insurance in Texas?

Our data shows Travelers offers the cheapest car insurance in Texas, at $515 for a six-month policy, or $86 per month. Use The Zebra's comparison tool to find the best and cheapest rate for you in Texas.

What is the average cost of car insurance in Texas?

On average, car insurance in Texas costs $1,415 per year — 9% less than average. This is an average rate based on our user profile. Depending on your driving history, age, and vehicle, your rate can be cheaper or more expensive.  Shop quotes for car insurance in Texas today.

Why is car insurance so expensive in Texas?

Insurance companies use the previous year’s claims data to price their rates. Texas not only has more claims than other states, but they have more expensive claims. Thus making it more expensive to do business in Texas for insurance companies. In order to have a profit, insurance providers will raise rates. Your best option for finding the cheapest rates in Texas is to shop around as much as possible. Use our comparison tool to see rates and offers from GEICO, Progressive, Travelers and Esurance.

How much does car insurance cost in Texas cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Killeen, Texas, and the most expensive in Dallas, Texas.

Rank City Avg. Annual Premium
1 Dallas $1,680
2 Houston $1,671
3 Mesquite $1,638
4 Garland $1,606
5 McAllen $1,580
6 Grand Prairie $1,561
7 Pasadena $1,546
8 Beaumont $1,529
9 Brownsville $1,522
10 Irving $1,518
11 Amarillo $1,516
12 Arlington $1,508
13 Laredo $1,507
14 San Antonio $1,501
15 Carrollton $1,481
16 Lubbock $1,453
17 Fort Worth $1,446
18 El Paso $1,442
19 Plano $1,428
20 Austin $1,424
21 Corpus Christi $1,416
22 McKinney $1,402
23 Waco $1,322
24 Abilene $1,294
25 Killeen $1,263

 

RECENT QUESTIONS

If my friend damaged my car while repairing it, will my insurance cover it?

Your friend is ultimately liable for the damage that he caused to your vehicle. It is possible that your insurance company will cover the repair, assuming you have comprehensive and collision coverage on your policy, but they will go after your friend to recover what they paid for the claim.
Feb 15, 2017 Texas City, TX

My musical equipment stolen from friend's house covered by insurance

This can be tricky. From my experience, most home insurance policies will cover stolen property even if it's not the property of the named insured (your friend) but I would consult their policy declarations page to be sure.
Jun 21, 2018 El Paso, TX

What's the fee for canceling car insurance after two months?

Thanks for the question. Typically, Texas auto plans do not carry a cancellation fee.
Dec 10, 2019 Huntsville, TX

Why did my insurance company pay another driver for half of his damage after an accident when the police said we were both at fault?

It is quite common for drivers to share fault in an accident. The amount your insurance is paying to the other driver is based on your percentage of fault in the accident.
Sep 9, 2017 San Antonio, TX

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.