Cheap Texas Car Insurance

Compare the best rates from 24 car insurance companies in Texas.

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

Across the Lone Star State, there are 654,923 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.


 

Cheap Car Insurance

What's the cheapest car insurance in Texas?
RankCompany NameAvg. Annual Premium
1Travelers$1,031
2USAA$1,106
3Texas Farm Bureau$1,223
4Germania Mutual$1,269
5Esurance$1,393
6Cal Casualty$1,410
7State Farm$1,480
8Mercury$1,491
9Nationwide$1,569
10Safe Auto$1,581
11Progressive$1,681
12Allstate$1,684
13Amica$1,740
14Home State$2,113
15GEICO$2,114
16MetLife$2,205
17Encompass$2,278
18Unitrin$2,287
1921st Century$2,445
20Titan$2,620
21Safeco$2,901
22Dairyland$3,012
23Old American County Mutual Fire$3,095
24Liberty Mutual$3,097

Cheap Insurance for Good Drivers in Texas

Drivers with good driving 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 just 4% on their car insurance premiums, on average — compared to the national average of 17%. 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%.

Rating Factor$ Savings% Savings
No Traffic Tickets$804.32%
No Accidents$87433.01%
Good Credit$1,33842.99%

Cheap Insurance for Young Drivers in Texas

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 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: $7,096 per year — more than $2,000 more than the nationwide average and almost four times as much as a typical Texas driver.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$8,887$7,285
17$8,580$6,567
18$8,632$5,370
19$7,704$3,746

Cheap Car Insurance for Bad Drivers in Texas

With a good driving record — devoid of at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. On the other hand, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 28% after a DUI, 33% after an at-fault accident, and 4% after a speeding ticket in Texas. The post-violation penalties assessed by car insurance companies in Texas are substantially lower than nationwide averages — especially for speeding tickets. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$2,64833.01%
DUI$2,48728.66%
Speeding Violation$1,8544.32%
Bad Credit$3,11242.99%

What are the Best Car Insurance Companies in Texas?

Every auto insurance company plays up its low costs. But 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 unearth a great 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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
21st Century3Excellent
Allstate3Superior
Amica4Superior
EsuranceNot RatedSuperior
GEICO3Superior
Liberty Mutual3Excellent
Mercury2Superior
MetLife3Superior
Nationwide4Superior
Progressive3Superior
Safeco3Excellent
State Farm3Superior
Texas Farm BureauNot RatedExcellent
Travelers3Superior
USAA5Superior

 

What is the Best Car Insurance Coverage in Texas?

The minimum insurance requirement in Texas is $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 $826 annually. This expenditure is more expensive than the nationwide average by 26%. If you opt for better coverage, you can choose a policy with comprehensive and collision coverage, which will protect against the costs of car-on-car crashes, theft and vandalism, or weather incidents. But better coverage comes with a cost: in Texas, a comprehensive insurance policy with a $1,000 deductible costs $1,620, 96% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 120% more than you would for basic coverage.

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

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Texas$826.02$1,620.01$1,821.03
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Texas

In Texas, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury $30,000 per person
  • Bodily Injury $60,000 per accident
  • Property Damage $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, the minimum is listed as 30/60/25 and explained below:

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

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

Texas Car Insurance FAQs

Do you 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 a potential customer's driving background. While you can get insurance without a license in Texas, it is more difficult and typically more expensive.

Can you 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 Houston, Texas.

RankCityAvg. Annual Premium
1Houston$2,143
2Dallas$2,138
3McAllen$2,071
4Mesquite$2,044
5Laredo$2,020
6Garland$2,020
7Brownsville$2,011
8Pasadena$1,999
9Grand Prairie$1,979
10Amarillo$1,951
11Beaumont$1,937
12Irving$1,929
13San Antonio$1,902
14Arlington$1,902
15Carrollton$1,864
16Lubbock$1,847
17Fort Worth$1,846
18El Paso$1,824
19Corpus Christi$1,805
20Austin$1,797
21Plano$1,771
22McKinney$1,751
23Waco$1,696
24Abilene$1,654
25Killeen$1,594

Recent Texas Car Insurance Questions and Answers

Non-named driver got into an accident, are they covered?

If you have named car insurance policies, but a person using your car wrecks it but is not an excluded ...

JAN 31, 2019
|
NEW BRAUNFELS, TX
Do I claim my stolen vehicle with Lyft or Geico?

I was driving my personal vehicle for Lyft when it was stolen at gunpoint. What do I do and who ...

JAN 24, 2019
|
HOUSTON, TX
Can I be compensated for repairs prior to a car being totaled?

Paid expenses during the time that my car was in the Toyota dealership to get repaired, but insurance says we ...

JAN 20, 2019
|
PLANO, TX
If I have an open claim on a totaled car, how do I handle the insurance?

If my car was totaled in an accident and I was not at fault, do I continue paying for the ...

JAN 18, 2019
|
EL PASO, TX

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

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 destrination 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, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

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.

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