Cheap Texas Car Insurance

Compare the best rates from 22 car insurance companies in Texas.

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

It's expensive to get car insurance in Texas!

Dang! Texas is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Texas might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Texas?
Rank Company Premium
1 Travelers $1,031
2 USAA $1,106
3 Texas Farm Bureau $1,223
4 Germania Mutual $1,269
5 Esurance $1,393
6 Cal Casualty $1,410
7 State Farm $1,480
8 Mercury $1,491
9 Nationwide $1,569
10 Safe Auto $1,581
11 Progressive $1,681
12 Allstate $1,684
13 Amica $1,740
14 Home State $2,113
15 GEICO $2,114
16 MetLife $2,205
17 Encompass $2,278
18 Unitrin $2,287
19 21st Century $2,445
20 Titan $2,620
21 Safeco $2,901
22 Old American County Mutual Fire $3,095
23 Liberty 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 $80 4.32%
No Accidents $874 33.01%
Good Credit $1,338 42.99%

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $2,648 33.01%
DUI $2,487 28.66%
Speeding Violation $1,854 4.32%
Bad Credit $3,112 42.99%
Car Insurance Laws

State minimum insurance requirements in Texas

In Texas, the state minimum coverage requirement is liability with limits of:
Optional coverage in Texas (varies by carrier):

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.

Top Texas Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Texas.

Car Insurance FAQs

Are digital insurance cards accepted in Texas?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Texas you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Texas?

Uninsured Drivers in Texas




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 McAllen, Texas.

Rank City Avg. Annual Premium
1 McAllen $1,976
2 Brownsville $1,889
3 Dallas $1,874
4 Houston $1,872
5 Laredo $1,870
6 Amarillo $1,822
7 Garland $1,814
8 Mesquite $1,789
9 Pasadena $1,776
10 Grand Prairie $1,775
11 Irving $1,754
12 Beaumont $1,737
13 San Antonio $1,705
14 Lubbock $1,699
15 Arlington $1,675
16 Austin $1,643
17 Fort Worth $1,637
18 Carrollton $1,631
19 Corpus Christi $1,604
20 El Paso $1,600
21 McKinney $1,593
22 Plano $1,592
23 Waco $1,553
24 Abilene $1,530
25 Killeen $1,503

Recent Texas Car Insurance Questions and Answers

Can I insure a vehicle that I don’t own?

Aug 30, 2018

My mom just bought herself a new car and gave me her old one instead of trading it in. She ...

Risk of assets for separate car insurance policy

Jul 28, 2018

My husband and I have different auto insurance companies. We own a house together. He lends his car to his ...

Who pays for damage I caused while using a company vehicle on company time

Jul 28, 2018

If I am a driver who was involved in a car accident while driving a company bus on company time, ...

Do I get to claim on financial loss on a brand new vehicle?

Jul 28, 2018

I brought my brand new car a month ago before an accident happened. I wasn’t at fault, the other car ...

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
Alcohol Related Fatalities


Per Year in Texas
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

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 the Texas area, while also getting an insider view of the Lone Star State.


So, Texas 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.

Please Note:

  • 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.

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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.