Cheap Texas Car Insurance

Compare rates from 24 of the top auto insurance companies in Texas.

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How much does car insurance cost in Texas?

The average car insurance rate in Texas is $1,415 per year — 9% less than the US 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 unique rates from leading insurance companies.

 


 

Cheap car insurance in Texas

What's the cheapest car insurance in Texas?
RankCompany NameAvg. Annual Premium
1Travelers$1,031
2Cal Casualty$1,410
3USAA$1,461
4Esurance$1,478
5Mercury$1,491
6State Farm$1,574
7GEICO$1,585
8Texas Farm Bureau$1,679
9Encompass$2,026
10Allstate$2,516
11Metropolitan$2,872
12Safeco$2,901
13Dairyland$3,012
14Liberty Mutual$3,097
15Unitrin$3,293
1621st Century$4,006
17Home State$4,880

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Affordable 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$1218.55%
No Accidents$71450.46%
Good Credit$94652%

 

Insurance rates by age bracket 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
AgeAnnual Average Premium
16$4,049
17$3,433
18$3,035
19$2,681
20s$1,757
30s$1,383
40s$1,345
50s$1,219
60s$1,248
70s$1,509

 

Average auto insurance costs in Texas by gender

While gender doesn’t have as significant an impact on car insurance costs as a driver's location or age, it is used as a rating factor by auto insurers.

 

TEXAS CAR INSURANCE PREMIUMS BY GENDER
GenderAverage Yearly Premium
Male$1,415
Female$1,316

 

Average car insurance rates by marital status in Texas

A benefit of nuptials — aside from the wedding gifts — is the better deal you may get on your car insurance policy. In Texas, married motorists save $99 per year on car insurance policies. This closely matches the national savings of $98 for married couples.

 

TEXAS AUTO INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,415
Married$1,316
Divorced$1,415
Widowed$1,286

 

Average auto insurance rates by credit in Texas

Insurers rely on credit history as a way of determining how responsible a customer will be. Data trends show drivers with exceptional credit scores are more insurable car insurance customers: they less commonly file claims that cost auto insurance companies money.

In Texas, a driver with excellent credit saves $1,529 per year in insurance payments, compared to a driver saddled with a bad credit history. Learn more about how credit history can impact car insurance expenses:

 

TEXAS AUTO INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Annual Premium
Very Poor (300-579)$2,771
Fair (580-669)$2,214
Good (670-739)$1,825
Very Good (740-799)$1,508
Exceptional (800-850)$1,242

 

What are the best 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.

Compare major insurers' financial strength and claims satisfaction ratings to better predict the level of service you will receive. Claims satisfaction — assigned by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to satisfy its policy and contractual obligations.

Insurance Company
Claims Satisfaction (J.D. Power)
Financial Strength (A.M. Best)
21st Century
3
Excellent
Allstate
3
Superior
Amica
5
Superior
Esurance
2
Superior
GEICO
3
Superior
Liberty Mutual
3
Excellent
Mercury
2
Superior
MetLife
3
Superior
Nationwide
3
Superior
Progressive
3
Superior
Safeco
3
Excellent
State Farm
3
Superior
Texas Farm Bureau
Not Rated
Excellent
Travelers
3
Superior
USAA
5
Superior

 

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What is the best auto insurance coverage in Texas?

The minimum car insurance requirements in Texas are $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage per accident.

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-on-car crashes, 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 146% more than you would for basic coverage.

Compare average rates for basic, better, and best Texas auto insurance levels below.

 

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Texas$576$1,254$1,415
National Average$621$1,373$1,868

 

Car insurance laws in Texas

State minimum insurance requirements in Texas

In 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

Liability coverage is legally required in Texas and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Texas, insurance minimums are listed as 30/60/25, explained below:

  • $30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person you injure in an auto accident.
  • $60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage you cause in an accident.

These numbers reflect the minimum insurance limits required in Texas but higher coverage amounts are available from most insurance companies.

Texas auto insurance FAQs

Do I need insurance to change your car title in Texas?

Yes. Because car insurance is legally required in Texas, you will need insurance to get a title change.

Can undocumented immigrants get car insurance in Texas?

Yes, but it is difficult. Most car insurance companies require their customers to have a valid driver's license. This provides insurers insight into their potential customers' driving backgrounds. While you can get insurance without a license in Texas, it may be difficult and expensive.

Can I insure a salvage title car in Texas?

Yes, but it may be more expensive due to the added risk insurance companies attribute to salvaged titles.

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.

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

Recent Texas Car Insurance Questions and Answers

Do I need to report a fix-it ticket when applying for new auto insurance?

As long as your license wasn't suspended as a result — or other violations that affect your driving record — you do not have to report fix-it tickets to your insurance company. Insurers typically will only rate against moving violations that show up on your motor vehicle record (MVR). If you're looking for new auto insurance, you can start comparing quotes instantly here. If you have any questions, feel free to ask.

Is it illegal to carry liability insurance rather than full coverage on a financed vehicle?

Though it's not illegal, you will be violating terms of your loan if you change the breadth of your coverage in favor of liability-only. Your lienholder will then force-place collateral protection insurance to your monthly payments.

Can I add a non-licensed, non-U.S. citizen to an auto policy?

Thanks for the question. The first thing that I would say is that you should consider having them get their drivers license beforehand.

Can a handicap permit from another country be used in the US?

It appears the following states will allow you to use an out of country placard: California, Illinois, Louisiana, Nevada, and Texas. If she'll be visiting other states, you may need to contact the state's DMV for additional information. If you have any questions, don't hesitate to ask.


Texas driving laws

Texas texting and driving laws

  1. Ban on all cell phones for school bus drivers w/ passenger <17 drivers and drivers <18 years old
  2. Ban on text messaging for school bus drivers w/ passenger <17 drivers and drivers <18 years old
  3. Ban on text messaging in school zones for all drivers

Texas DUI laws

There is no maximum DWI lookback period in Texas. Instead, all prior DWI convictions are taken into account when an impaired driver is sentenced for a DWI offense. Penalties are enhanced when charged with DWI if a passenger under 15 years old is present.

First-time DWI offenses in Texas lead to:

  • Three to 180 days in jail
  • Up to $2,000 in fines
  • Loss of driver’s license for up to a year
  • Possible requirement to attend a DWI Education Program
  • Possible requirement to install and use an ignition interlock device

How do tickets impact car 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,17754%$762
Refused Breathalyzer/Chemical Test$2,15953%$744
DUI$2,17754%$762
Racing$1,94638%$531
Reckless Driving$2,15953%$744
Driving with a Suspended License$2,07146%$656
At-Fault Accident$2,12950%$714
Driving with an Open Container$1,98941%$574
Operating a Vehicle Without Permission$1,5379%$122
Passing a School Bus$1,65017%$235
Improper Passing$1,5379%$122
Following Too Closely$1,5379%$122
Speeding$1,5369%$121
Failure to Stop at a Red Light$1,5379%$122
Illegal Turn$1,5379%$122
Driving Wrong Way/Wrong Lane$1,5379%$122
Failure to Yield$1,5379%$122
Speeding in a School Zone$1,5369%$121
Driving Too Slowly$1,5369%$121
Distracted Driving$1,5379%$122
Driving with Expired Registration$1,4150%$0
Failure to Show Documents$1,4150%$0
Not-at-Fault Accident$1,4956%$80
Failure to Use Child Safety Restraint$1,4462%$31
Failure to Wear a Seat Belt$1,4462%$31
Driving Without Lights$1,4462%$31

 

Texas Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in Texas, while also getting an insider view of the Lone Star State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2020

Notification

Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.