Car Insurance in Texas: 2026 Rates and Cheapest Companies
- USAA offers the cheapest liability at $49/mo.
- GEICO offers the cheapest full coverage at $147/mo.
Enter your ZIP code to start your search for Texas car insurance:
How much does car insurance cost in Texas?
Texas drivers pay an average of $1,310 for a 6-month of full coverage policy and $491 for state minimum liability, based on The Zebra's 2026 rate data.[1]
Car insurance in Texas is 14% more expensive than the US average. For drivers looking for the cheapest full coverage, GEICO has the lowest monthly rates at $147. For minimum liability coverage, consider USAA at $49 per month.
Cheapest full coverage in TX
- GEICO is the cheapest full coverage in Texas at $147/mo.
Cheapest liability coverage in TX
- USAA is the cheapest liability coverage in Texas at $49/mo.
Best customer service in TX
- AAA scored 655 in JD Power's latest study — the highest in Texas.[3]
What else to know about car insurance in Texas
- Cheapest for drivers with a DUI: State Farm at $1,245 ↓
- Cheapest for drivers with an at-fault accident: State Farm at $1,075 ↓
- Cheapest for drivers with teens: State Farm at $2,204 ↓
- Cheapest rates in biggest cities: Houston: GEICO $176 | Austin: GEICO $141 | Dallas: GEICO $172 ↓
What is the cheapest full coverage car insurance in Texas?
As of October 2026, GEICO has the cheapest full coverage car insurance in Texas at $147 per month. If you qualify, USAA is another affordable option at $178 per month.
The average cost of full coverage insurance in Texas is $1,310 for a six-month policy. Full coverage is a popular choice here, with 57% of The Zebra’s Texas customers opting for quotes that offer this more comprehensive protection.[2] While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $883 | $147 |
| State Farm | $923 | $154 |
| USAA | $1,066 | $178 |
| Auto Club | $1,133 | $189 |
| Progressive | $1,334 | $222 |
| Encompass | $1,778 | $296 |
| Safe Auto | $2,004 | $334 |
| Allstate | $2,281 | $380 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Local insights
Drivers near you in Texas weigh in
"We have a $500 deductible and uninsured coverage. In my experience, Progressive and Geico have been the cheapest."
"I pay about $150-$160 a month with Progressive for a 2020 Ford Fusion. I had a wreck back in 2023 but wasn’t at fault so my price stayed the same through that whole experience."
Compare car insurance rates from the best companies in Texas.
How much does liability insurance cost in Texas?
The average cost for liability insurance in Texas is $491 for a 6-month policy.[1] For our user profile, USAA offers the most affordable liability insurance options in the state at $49/mo.
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 full coverage insurance policy with a $500 deductible costs $1,310 for a 6-month policy, considerably more than liability-only car insurance.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $292 | $49 |
| GEICO | $293 | $49 |
| State Farm | $402 | $67 |
| Auto Club | $445 | $74 |
| Progressive | $549 | $91 |
| Allstate | $646 | $108 |
| Safe Auto | $707 | $118 |
| Encompass | $862 | $144 |
Source: The Zebra
According to our data, 43% of Texas drivers carry only the state-required liability coverage.[2] In Texas, the law mandates minimum liability limits of 30/60/25. Learn more about car insurance requirements in the state of Texas with our helpful guide.
Damage from hurricanes, flash floods, wind and hail all caused millions of dollars in claims in the past year in Texas. Under your comprehensive coverage, drivers are protected against these non-collision events like natural disasters.
-Erick Sosa, Licensed Agent at The Zebra
Updating data...
| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $292 | $1,066 |
| State Farm | $402 | $923 |
| Sentry | $775 | $2,122 |
| Progressive | $549 | $1,334 |
| MetLife | $1,007 | $2,254 |
| Mercury | $375 | $1,230 |
| GEICO | $293 | $883 |
| Encompass | $862 | $1,778 |
| Chubb | $823 | $1,636 |
| Auto Club | $445 | $1,133 |
| Allstate | $646 | $2,281 |
Source: The Zebra
What are the best car insurance companies in Texas?
We’ve named AAA as Texas' top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
How much does car insurance cost in major Texas cities?
Weather, traffic accidents, and uninsured drivers are some of the big ways your city can affect your car insurance. Houston's proximity to the coast and high level of urban growth result in much higher premiums than Frisco ($1,596 in Houston versus $1,307 in Frisco).
Source: The Zebra
Source: The Zebra
Insider knowledge, trusted guidance
With over 7 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive, where she sp…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Johnny’s insurance experience began when he joined The Zebra in 2020 as a Customer Experience Agent, supporting the sales team by servicing policies …
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years experience in property & casualty insurance
How much do auto insurance rates go up in Texas after an accident or ticket?
Having an at-fault accident on your record will raise raise your 6-month rate by an average of $760 in Texas. A speeding ticket for going 16 to 20 mph over the limit raises your 6-month premium by an average of $199.
Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Texas insurers after an at-fault accident.
Updating data...
| Company | With at-fault accident - 6mo |
|---|---|
| Chubb | $2,293 |
| Allstate | $3,493 |
| Auto Club | $2,120 |
| Texas Farm Bureau | $1,274 |
| USAA | $1,857 |
| MetLife | $5,707 |
| GEICO | $1,385 |
| Encompass | $2,932 |
| Mercury | $3,012 |
| Progressive | $2,431 |
| Safe Auto | $2,904 |
| Sentry | $3,226 |
| State Farm | $1,075 |
Source: The Zebra
Source: The Zebra
The Zebra's guide to Texas car insurance laws for high-risk drivers
For high-risk drivers in Texas with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Texas's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Texas DUI laws
In Texas, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Texas
If you're convicted of a DUI or DWI violation in Texas, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Texas.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $1,245 | $207 |
| GEICO | $1,342 | $224 |
| Progressive | $1,893 | $316 |
| USAA | $2,237 | $373 |
| Safe Auto | $2,904 | $484 |
| Auto Club | $3,204 | $534 |
| Encompass | $3,213 | $535 |
| Allstate | $3,413 | $569 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Texas SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It isn't a type of insurance policy, but a form issued by your insurance company with the state of Texas to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Texas might require some research, but it could pay off in the end.
How to acquire an SR-22 in Texas
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Texas in minutes!
How have car insurance costs in Texas changed?
Texas’ auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium in Texas | Year over Year Change | Possible Cause for Increase |
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Continued recovery of underwriting losses, higher repair and parts costs, and severe-weather claims (hail, flooding). |
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Inflation in used car prices, parts, and labor, plus higher hail and storm claims and reinsurance costs. |
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Post-pandemic return to driving, higher accident severity, supply chain-driven repair costs, and the effects of Winter Storm Uri losses (Feb 2021). |
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Gradual rebound as driving resumed, with insurers still honoring pandemic-era rate pressure. |
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Pandemic cut driving and claim frequency, but insurers issued refunds and credits rather than lowering base rates. |
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Save money on your next car insurance policy!
Texas car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Texas auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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2026 Auto Insurance Study. JD Power
2026 Auto Insurance Study. JD Power
