Car Insurance for Good Drivers in Texas

The Zebra
July 15, 2019

Car insurance for low-risk drivers in Texas

Some of the factors contributing to car insurance rates are out of your control: your age, location, and gender are common rating factors over which you don’t have much of a say. But there are a few factors you can control if you're looking for affordable rates.

If you want to find the lowest possible car insurance rates, try to keep your driving record cleaen, your credit score high, and your monthly driving mileage on the low end. Car insurance companies offer lower rates to customers who present relatively little risk, so exhibiting low-risk driving and lifestyle behaviors can lead to a price cut.

See below example rates from top companies for low-risk customers in Texas.

Car insurance for citation-free drivers in Texas

One of the easiest ways to pay less for auto insurance is to maintain a good driving record. Auto insurance companies see good drivers as less risky customers and assign them more affordable rates. Staying on the good side of the law is a great way to cut your costs.

If you're citation-free, start your insurance comparison journey with State Farm, which offers an average annual insurance rate of $1,174. That totals $253less than the average car insurance rate for drivers without driving violations in Texas.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN TEXAS
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$1,174
USAA$1,353
Texas Farm Bureau Group$1,456
Esurance$1,532
GEICO$1,742
Encompass$1,911
Allstate$2,549
Metropolitan$2,717

Car insurance rates for drivers with high credit scores in Texas

Insurers reward clients who maintain a solid credit history. If you have a credit score in the good, very good, or excellent tiers, you could receive a price cut on your car insurance premium.

If you have a "good" credit score (670-739), your best auto insurance option in Texas could be State Farm, offering average rates of $1,174. If your credit score is in the “excellent” range, State Farm could be the best option. State Farm's premiums for clients who have credit scores of 800 and up are $675 per year less than the typical car insurance rate for drivers with excellent credit in Texas.

Find below a breakdown of auto insurance rates in Texas for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN TEXAS
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$1,174
USAA$1,353
Texas Farm Bureau Group$1,456
Esurance$1,532
GEICO$1,742
Encompass$1,911
Allstate$2,549
Metropolitan$2,717

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN TEXAS
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$1,040
USAA$1,272
Esurance$1,360
Texas Farm Bureau Group$1,409
GEICO$1,695
Encompass$1,845
Metropolitan$2,338
Allstate$2,445

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN TEXAS
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$923
USAA$1,196
Esurance$1,217
Texas Farm Bureau Group$1,313
GEICO$1,650
Encompass$1,708
Metropolitan$1,993
Allstate$2,054

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Car insurance for low-mileage drivers in Texas

If you drive infrequently, you're less likely to file an auto insurance claim. That’s the logic auto insurance companies use to charge infrequent drivers less. If you stay below the 7,500-mile-per-year threshold, you’re likely to save some money on auto insurance each month. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a resident of Texas who doesn't rack up major mileage, consider State Farm, which offers average annual savings of $253 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN TEXAS
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$1,174
USAA$1,191
Texas Farm Bureau Group$1,456
Esurance$1,532
GEICO$1,598
Encompass$1,911
Allstate$2,305
Metropolitan$2,717

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Insurance rates for good drivers in Texas — by city

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Car insurance companies rate policies by the driver’s home ZIP code, adjusting prices for the risk levels associated with various regions.

Find below a summary of car insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Austin$1,871$1,871$1,750$1,507$1,791
Fort Worth$1,937$1,937$1,819$1,561$1,853
San Antonio$1,952$1,952$1,828$1,572$1,868
Dallas$2,162$2,162$2,025$1,740$2,067
Houston$2,220$2,220$2,078$1,786$2,127

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