Car Insurance in Texas
- Texas Farm Bureau offers the cheapest full coverage auto insurance in TX
- Compare the cheapest car insurance quotes in TX from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Texas
The average cost for full coverage car insurance in Texas is $1,294 for a six-month policy — that's 18% more expensive than the national average.[1] For Texans looking to save, Texas Farm Bureau offers the cheapest car insurance quotes in Texas for liability and full coverage.
While our data shows 44% of Texans feeling they are paying too much for car insurance, many are willing to pay more for robust customer service and coverage options.[2]Â For these customers, we recommend starting (but not ending) your search for car insurance with AAA or USAA.Â
For Texans who want something in the middle of value, price and customer service, we recommend Texas Farm Bureau.
- Texas Farm Bureau offered the cheapest full insurance coverage in Texas at $138/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in Texas ↓
- Progressive offered the cheapest liability insurance in Texas at $45/mo
- Read about the rest of the top and best companies in Texas ↓
- As a highly-rated regional carrier, Texas Farm Bureau scored an 686 on J.D. Power's 2024 auto study.[3] For those eligible, USAA is also top rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Texas ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in Texas to name Texas Farm Bureau as the best overall company for Texan drivers.Â
- Read more about why we've ranked Texas Farm Bureau as a great fit for many Texans ↓
Cheap full coverage insurance in Texas
In 2025, full coverage insurance in Texas costs an average of $1,294 for a 6-month policy. A popular choice among drivers, 56% of The Zebra's Texas customers receive quotes for full coverage insurance.[2]
Although more expensive than liability insurance, Texans looking for the cheapest full coverage should start their search with Texas Farm Bureau and State Farm.Â
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $829 | $138 |
| State Farm | $918 | $153 |
| GEICO | $938 | $156 |
| USAA | $955 | $159 |
| Progressive | $1,139 | $190 |
| Allstate | $2,079 | $347 |
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.
Find the best coverage and price in Texas with The Zebra.
Cheap liability insurance in Texas
The average cost for liability insurance in Texas is $483 for a 6-month policy.[1]Â For our user profile, Progressive, USAA and Texas Farm Bureau offer the cheapest liability insurance in Texas.Â
This quote is substantially lower than full coverage, as your coverage level significantly affects the cost. The table below shows monthly and 6-month liability insurance quotes from Texas's most popular companies.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $271 | $45 |
| Texas Farm Bureau | $313 | $52 |
| USAA | $317 | $53 |
| GEICO | $327 | $54 |
| State Farm | $370 | $62 |
| Allstate | $771 | $128 |
Source: The Zebra
According to our data, 44% of Texas drivers insure their vehicles with liability coverage only. The Texas Department of Insurance requires minimum liability limits of 30/60/25, meaning $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage per accident. For a more detailed explanation of Texas car insurance limits and laws.
Texas mandates higher minimum liability limits compared to many other states. However, it still can leave you unprotected. If you cause an accident and the amount is greater than these limits, you are considered underinsured and risk being sued for damages.
If my customers opt for state minimum limits, I recommend at least adding UMBI (uninsured motorist bodily injury) and UMPD (uninsured motorist property damage) coverage since 20% of drivers in TX are uninsured. It's always best to get as much insurance as you can afford.
Imelda Cantu, licensed insurance professional at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Progressive | $271 | $1,139 |
| Texas Farm Bureau | $313 | $829 |
| USAA | $317 | $955 |
| GEICO | $327 | $938 |
| State Farm | $370 | $918 |
| Allstate | $771 | $2,079 |
Source: The Zebra
What are the best car insurance companies in Texas?
We named Texas Farm Bureau the best car insurance company in Texas based on consumer reviews, third-party ratings (J.D. Power, Trustpilot, and AM Best), and details such as discount information and coverage options.
Below are the pros and cons of Texas Farm Bureau plus more of the best-rated companies in Texas.
Texas Farm Bureau is known for its excellent, localized service, ranking third for overall customer satisfaction out of several carriers in Texas.[3]Â While there are occasional reports of slow claims processing, the insurer's strong financial stability confirms they can pay out claims reliably and sustain their operations over the long term.[4]
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Localized services catered specifically to Texas residents
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Robust coverage options for auto, home and other lines
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Strong financial rating (ability to pay out claims)
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Membership is required to access insurance (estimated around $25-$40/year)
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Some customers have reported slower claim resolution times
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Only available in Texas
Best car insurance in Texas — honorable mentions
To determine the best companies, we looked at J.D. Power Auto ratings and consumer reviews we collected from nearly 3,000 drivers across Texas and the US.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $829 | $138 |
| State Farm | $918 | $153 |
| GEICO | $938 | $156 |
| USAA | $955 | $159 |
| Auto Club | $1,268 | $211 |
Source: The Zebra
How did we pick what company has the "Best Value" in Texas?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Texas
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Cheap auto insurance for teens and young drivers in Texas
Young drivers have a hard time finding cheap car insurance in Texas. To an insurance company, your age reflects your driving experience. This is why teens can expect to pay over 100% more than drivers in their 20s and nearly 200% more than drivers in their 30s.[1]Â
In Texas, teen drivers pay especially high auto insurance costs: $2,939/6-months or $489 per month — more than $2,085 more than the nationwide average.
If you're a teen or have a teen, consider Texas Farm Bureau, GEICO and USAA for the cheapest car insurance.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $1,535 | $256 |
| USAA | $2,031 | $338 |
| GEICO | $2,351 | $392 |
| State Farm | $2,826 | $471 |
| Allstate | $3,664 | $611 |
| Progressive | $5,382 | $897 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $1,993 | $332 |
| GEICO | $2,766 | $461 |
| USAA | $2,877 | $480 |
| State Farm | $3,562 | $594 |
| Allstate | $4,200 | $700 |
| Progressive | $7,691 | $1,282 |
Source: The Zebra
Zebra tip: 3 ways young drivers can save on car insurance
- Complete an approved defensive driving course to qualify for discounts and reduce accident risk.
- Choose a less expensive car with good safety ratings and low repair costs over high-performance models.
- Stay on a parent's policy to save money and benefit from their good insurance history.
Find your best value insurance match with The Zebra.
Texas auto insurance quotes after an accident or ticket
It can be tricky to find cheap car insurance in Texas after an accident. Insurance companies look for previous accidents and tickets to gauge the level of risk you pose as a customer. An at-fault accident could see your car insurance costs increase to as much as $2,329 per year.
Below is how much top insurance companies in Texas will charge you after an at-fault accident.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $1,089 | $181 |
| Texas Farm Bureau | $1,293 | $216 |
| GEICO | $1,370 | $228 |
| USAA | $1,445 | $241 |
| Progressive | $1,868 | $311 |
| Allstate | $3,326 | $554 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
Ideally, you'll never need your insurance, but if you do, a stress-free experience is crucial. In our 2024 Customer Satisfaction Survey, we gauged satisfaction among those who filed claims. AAA emerged as a great choice and is worth considering if you live in Texas.
In Texas, a bad driving record will cause your rates to skyrocket. 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.
Source: The Zebra
The Zebra's guide to Texas car insurance laws for high-risk drivers
Some of the violations above, such as a DUI or driving without insurance, can lead to more complicated insurance implications. Below are more in-depth guides to Texas car insurance laws and regulations.
Learn more about car insurance requirements in the state of Texas with our helpful guide.
Texas DUI laws
In Texas, a DUI offense can increase your annual car insurance premium to an average of $3,263. That’s 32% more than the national average rate hike after a DUI. 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. For example, the least expensive car insurance company with a DUI in Texas, GEICO, advertises annual rates 38% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Texas is State Farm, while the priciest firm is Texas Farm Bureau Group, with prices 89% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $1,098 | $183 |
| State Farm | $1,297 | $216 |
| USAA | $1,314 | $219 |
| Progressive | $1,604 | $267 |
| Nationwide | $1,699 | $283 |
| Allstate | $1,969 | $328 |
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.
Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.
Texas SR22 insurance
An SR22 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 is not 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 SR22 in Texas might require some research, but it could pay off in the end.
Â
How to acquire an SR22 in Texas
For currently insured drivers
If you already have auto insurance, getting an SR22 certificate is straightforward. Contact your car insurance company ask the company to file an SR22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
Â
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 SR22 request for you and to cover your high-risk driving profile. Needing an SR22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
Â
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR22, 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 SR22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
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Learn more about SR-22 certificate requirements and how they impact insurance premiums.
Find an affordable policy in Texas in minutes!
Car insurance in popular Texas cities
Where you live in Texas can significantly impact your car insurance costs. Rates tend to be higher in bigger cities like Houston or Dallas given the increased number of drivers and claims.
This is equally true if you live near the Gulf Coast or areas prone to wildfires. Because your comprehensive coverage protects vehicles against fire and flooding, insurance companies view these areas as potentially risky.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Houston | $1,267 | $211 |
| Dallas | $1,250 | $208 |
| San Antonio | $1,107 | $184 |
| Fort Worth | $1,072 | $179 |
| Austin | $1,048 | $175 |
| El Paso | $1,036 | $173 |
Source: The Zebra
How have car insurance costs in Texas changed?
Car insurance rates in Texas have seen significant fluctuations over the past decade, demonstrating a dynamic market. In 2024, the average annual premium reached a high of $2,115, reflecting a substantial increase of $493 from the previous year. This is part of an overall upward trend, although the rates have alternated between rises and falls annually.Â
These changes highlight the impact of factors such as regulatory adjustments, economic conditions, and market dynamics on insurance costs in Texas and across the nation.
| Year | Avg. Annual Premium — Texas | Yearly $ Change — Texas |
|---|---|---|
| 2024 | $2,115 | $493 |
| 2023 | $1,622 | ($364) |
| 2022 | $1,986 | $402 |
| 2021 | $1,584 | $86 |
| 2020 | $1,498 | $79 |
| 2019 | $1,419 | ($361) |
| 2018 | $1,780 | ($16) |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | ($323) |
| 2015 | $1,885 | $216 |
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Texas car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Texas auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 Auto Insurance Study. J.D. Power
2024 Customer Satisfaction Survey. The Zebra
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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 editorial 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.