Car Insurance in Texas
- Texas Farm Bureau offers the cheapest liability at $51/mo.
- Texas Farm Bureau offers the cheapest full coverage at $137/mo.
Enter your ZIP code to start your search for Texas car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Texas at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Texas
Cheapest full coverage in TX
- Texas Farm Bureau is the cheapest full coverage in Texas at $137/mo.
Cheapest liability coverage in TX
- Texas Farm Bureau is the cheapest liability coverage in Texas at $51/mo.
Best customer service in TX*
- AAA scored 655 in JD Power's latest study — the highest in Texas.[3]
Cheap full coverage insurance in Texas
In 2026, the average cost of full coverage insurance in Texas is $1,293 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. If you’re looking to get the best deal on full coverage, start by checking out quotes from Texas Farm Bureau — they’re known for offering some of the most competitive rates in the state.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $818 | $136 |
| State Farm | $909 | $151 |
| GEICO | $932 | $155 |
| USAA | $1,120 | $187 |
| Auto Club | $1,247 | $208 |
| Progressive | $1,561 | $260 |
| Encompass | $1,889 | $315 |
| Safe Auto | $2,124 | $354 |
| Allstate | $2,179 | $363 |
Source: The Zebra
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."
-Reddit user on r/Texas
"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."
-Reddit user on r/Dallas
Compare car insurance rates from the best companies in Texas.
Cheap liability insurance in Texas
The average cost for liability insurance in Texas is $507 for a 6-month policy.[1] For our user profile, Texas Farm Bureau offers the most affordable liability insurance options in the state at $51/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 $1,293 for a 6-month policy, considerably more than liability-only car insurance.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $303 | $50 |
| GEICO | $350 | $58 |
| USAA | $362 | $60 |
| State Farm | $422 | $70 |
| Auto Club | $508 | $85 |
| Progressive | $561 | $94 |
| Safe Auto | $759 | $127 |
| Allstate | $832 | $139 |
| Encompass | $863 | $144 |
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.
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.
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $362 | $1,120 |
| Texas Farm Bureau | $303 | $818 |
| State Farm | $422 | $909 |
| Sentry | $782 | $1,936 |
| Progressive | $561 | $1,561 |
| MetLife | $1,151 | $2,699 |
| Mercury | $518 | $1,820 |
| GEICO | $350 | $932 |
| Encompass | $863 | $1,889 |
| Chubb | $796 | $1,547 |
| Auto Club | $508 | $1,247 |
| Allstate | $832 | $2,179 |
Source: The Zebra
What are the best car insurance companies in Texas?
We’ve named AAA as Texas's 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.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Car insurance in popular Texas cities
Car insurance companies calculate your rate based on many factors, with the location of the vehicle being an important one. The cheapest car insurance is found in Waco, Texas, and the most expensive in Houston, Texas.
Have a look at the table below to see average car insurance costs in some of Texas' biggest cities.
Source: The Zebra
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Source: The Zebra
Insider knowledge, trusted guidance
With over 6 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 spe…
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
Texas auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Texas. Even one at-fault accident can send your premiums soaring. 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.
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| Company | No violations | With at-fault accident |
|---|---|---|
| Allstate | $2,175 | $3,493 |
| Encompass | $1,873 | $2,913 |
| National General | $1,098 | $2,345 |
| Auto Club | $1,377 | $2,340 |
| Texas Farm Bureau | $829 | $1,293 |
| MetLife | $2,680 | $5,665 |
| Mercury | $1,808 | $2,975 |
| GEICO | $918 | $1,371 |
| Chubb | $1,547 | $2,348 |
| Safe Auto | $2,273 | $3,110 |
| USAA | $887 | $1,340 |
| Sentry | $2,636 | $4,407 |
| State Farm | $914 | $1,094 |
| Progressive | $1,546 | $2,416 |
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.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| National General | $1,268 | $211 |
| GEICO | $1,318 | $220 |
| State Farm | $1,321 | $220 |
| USAA | $1,625 | $271 |
| Progressive | $1,879 | $313 |
| Safe Auto | $3,110 | $518 |
| Encompass | $3,199 | $533 |
| Allstate | $3,412 | $569 |
| Auto Club | $3,538 | $590 |
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 — Texas |
|---|---|
| 2026 | $2,585 |
| 2025 | $1,861 |
| 2024 | $2,589 |
| 2023 | $2,115 |
| 2022 | $1,622 |
| 2021 | $1,986 |
| 2020 | $1,584 |
| 2019 | $1,498 |
| 2018 | $1,419 |
| 2017 | $1,780 |
| 2016 | $1,796 |
| 2015 | $1,562 |
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.
-
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
-
2025 Auto Insurance Study. J.D. Power
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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.
