Texans with good driving records can find the cheapest car insurance rate through State Farm and Allstate. The average cost of car insurance in Texas is $109 per month or $1,305 per year, according to our comprehensive analysis. However, how expensive or cheap your quotes are will depend on your driver profile and incident history.
We’ll tell you all about that and more in this article, which covers:
- Cheapest car insurance rates in Texas
- The cheapest rates for young Texans
- Cost of car insurance by Texas city
- Texas car insurance requirements
Cheapest car insurance in Texas: State Farm
In Texas, the company offering the cheapest of such plans is State Farm at $1,412 a year, or $118 each month. This is for a policy that meets the bare minimum state insurance requirements and includes only liability coverage.
Across each driver profile, we found that USAA offered the cheapest car insurance policy exclusive to military members and their families. Not only does USAA offer the most affordable rates, but it has discounts and services specifically catering to military members, too, including a vehicle storage discount. The company also provides banking and investing products in addition to insurance coverage.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $1,412 | $118 |
| Allstate | $1,526 | $127 |
| GEICO | $1,531 | $128 |
| USAA | $750 | $63 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Purchasing a minimum liability coverage policy is the most affordable option. However, if you get into an accident, while a minimum-coverage policy will be enough to reimburse other parties involved, it won't reimburse you.
Cheapest full-coverage car insurance in Texas: State Farm
State Farm and GEICO offer the cheapest full-coverage car insurance rates in Texas. State Farm offers the cheapest full-coverage car insurance in Texas, with an average premium of $20 a month. GEICO is a close second, costing approximately $217 per month or $2,605 per year. You will need a full-coverage policy if you are leasing or financing your vehicle, but you might want one even if you fully own it.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $2,463 | $205 |
| GEICO | $2,605 | $217 |
| Allstate | $3,278 | $273 |
| USAA | $1,468 | $122 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
The average premium for full coverage is almost double the cost of a minimum-liability policy. This is because full coverage includes additional protection not included in a policy meeting just the state minimum.
Full coverage typically includes collision and comprehensive coverage. Collision coverage reimburses you for accidents caused by crashing into another car or stationary object, like a pole. On the other hand, comprehensive coverage protects you from "acts of God," or damage caused by events out of your control, including natural disasters and theft.
We recommend purchasing additional coverages beyond the minimum policy if your car is new or valued highly.
Cheapest car insurance for drivers with an accident history in Texas: State Farm
Texas drivers with a recorded accident on their records can find the best car insurance with State Farm, with an average monthly premium of $290.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $3,482 | $290 |
| GEICO | $3,983 | $332 |
| Allstate | $5,065 | $422 |
| USAA | $2,291 | $191 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Having an at-fault accident on your record serves as a black mark on your driving record. Companies see you as riskier to insure and, as a result, charge you higher premiums to reflect that risk.
If your rates have increased because of a recent accident, you can look at discounts to bring your quote down. If your last accident was a few years ago, the good news is that incidents usually fall off your record after three to five years, depending on your state.
Have a clean record but still want to be cautious? You can opt to receive accident forgiveness, which will prevent your rates from increasing after an at-fault accident.
Cheapest car insurance after a DUI in Texas: GEICO
For a Texas driver with a DUI, the cheapest car insurance policy comes from GEICO, at a whopping $374 a month or $4,485 per year. The reason car insurance is so high after a DUI is that DUIs are serious crimes that result in significant financial penalties. For the average driver, it can nearly double your auto insurance premiums.
| Company | Annual | Monthly |
|---|---|---|
| GEICO | $4,485 | $374 |
| State Farm | $4,563 | $380 |
| Allstate | $4,901 | $408 |
| USAA | $2,223 | $185 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Related: How Long Does a DUI or DWI Stay on Your Driving Record?
Cheapest car insurance for drivers with a speeding ticket in Texas
Drivers with a recent speeding ticket can find the cheapest rates with State Farm, which costs $260 per month. A great alternative is GEICO, which costs an average of $263 each month. Speeding tickets stay on your record for three to five years, so your rates will be affected as long as your record is marked.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $3,122 | $260 |
| GEICO | $3,158 | $263 |
| Allstate | $3,278 | $273 |
| USAA | $1,659 | $138 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Who has the cheapest car insurance for young people in Texas? GEICO
GEICO provides the most affordable car insurance rates for teen drivers in Texas at $254 a month, on average. This is true whether you have a clean record or a history of accidents, speeding tickets or DUI.
Unfortunately for teens and new drivers, your auto insurance rates will be significantly more expensive than your older counterparts no matter where you buy a policy. Young drivers are seen as inexperienced and riskier to cover and, as a result, receive higher premium rates.
There are a few avenues you can take to reduce your car insurance costs as a teen driver, including:
- Staying on your family's insurance policy.
- Shopping around at local insurers.
- Taking advantage of discounts.
| Company | Annual | Monthly |
|---|---|---|
| GEICO | $3,048 | $254 |
| Allstate | $4,232 | $353 |
| State Farm | $5,058 | $422 |
| USAA | $1,437 | $120 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest full-coverage car insurance for young people in Texas: GEICO
| Company | Annual | Monthly |
|---|---|---|
| GEICO | $5,496 | $458 |
| State Farm | $8,834 | $736 |
| Allstate | $9,944 | $829 |
| USAA | $2,792 | $233 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Find the most affordable auto insurance in Texas
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Cheapest car insurance for young people with an accident history in Texas: GEICO
| Company | Annual | Monthly |
|---|---|---|
| GEICO | $7,860 | $655 |
| State Farm | $10,024 | $835 |
| Allstate | $16,443 | $1,370 |
| USAA | $4,085 | $340 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for young people with a DUI in Texas: GEICO
| Company | Annual | Monthly |
|---|---|---|
| GEICO | $9,642 | $803 |
| State Farm | $13,593 | $1,133 |
| Allstate | $16,490 | $1,374 |
| USAA | $5,572 | $464 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for young people with a speeding ticket in Texas: GEICO
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $1,338 | $112 |
| Allstate | $1,474 | $123 |
| GEICO | $1,533 | $128 |
| USAA | $714 | $59 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Who has the cheapest car insurance for seniors in Texas? State Farm
For a minimum-liability policy, senior drivers in Texas can find the cheapest car insurance rates with State Farm, at only $112 per month. A close second is Allstate, at $123 per month. Older drivers are rewarded for their driving experience with cheap car insurance premiums, though your own rates may vary depending on your driving history.
Typically drivers with an accident history face higher premiums for as long as the mark is on their records. The only thing that can completely remove an incident from your incident history is waiting a few years for it to fall off. Until then, you can opt to receive discounts to lower your rates.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $2,288 | $191 |
| GEICO | $2,468 | $206 |
| Allstate | $2,775 | $231 |
| USAA | $1,316 | $110 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest full-coverage car insurance for seniors in Texas: State Farm
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $3,244 | $270 |
| GEICO | $3,824 | $319 |
| Allstate | $4,284 | $357 |
| USAA | $2,249 | $187 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors with an accident history in Texas: State Farm
| Company | Annual | Monthly |
|---|---|---|
| Allstate | $4,117 | $343 |
| State Farm | $4,253 | $354 |
| GEICO | $4,515 | $376 |
| USAA | $1,983 | $165 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Find the cheapest car insurance in Texas
See how much you could save with a new policy
Cheapest auto insurance for seniors with a DUI in Texas: Allstate
| Company | Annual | Monthly |
|---|---|---|
| Allstate | $4,117 | $343 |
| State Farm | $4,253 | $354 |
| GEICO | $4,515 | $376 |
| USAA | $1,983 | $165 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors with a speeding ticket in Texas: Allstate
| Company | Annual | Monthly |
|---|---|---|
| Allstate | $2,775 | $231 |
| State Farm | $2,907 | $242 |
| GEICO | $3,074 | $256 |
| USAA | $1,486 | $124 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Average cost of car insurance by Texas city
Since crime rates, traffic and accident frequency vary by neighborhood, it's no wonder the cost of insurance fluctuates depending on where you live.
For example, drivers in Texas's densest city, Houston, can expect to pay about $1,455 per year, while drivers in Lubbock, which has nearly a tenth of the population, pay $1,104 per year, on average.
| City | Average annual cost |
|---|---|
| Arlington | $1298 |
| Austin | $1184 |
| Corpus Christi | $1,249 |
| Dallas | $1,418 |
| El Paso | $1,119 |
| Fort Worth | $1,209 |
| Houston | $1,455 |
| Lubbock | $1,104 |
| Plano | $1,244 |
| San Antonio | $1,289 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Auto insurance requirements in Texas
Texas requires drivers to have at least 30/60/25 liability car insurance coverage. You also need the following amounts of uninsured motorist coverage, unless you would like to reject it.
| Coverage | Limits |
|---|---|
| Property damage liability (PDL) | $25,000 per accident |
| Bodily injury liability (BIL) | $30,000 per person/$60,000 per accident |
| Uninsured motorist bodily injury (UMBI) | $30,000 per person/$60,000 per accident (unless you reject) |
| Uninsured motorist property damage (UMPD) | $25,000 per accident (unless you reject) |
It can be tempting to buy just liability coverage for a vehicle, as that is all state law requires and it is usually the cheapest car insurance option. Liability car insurance coverage protects other drivers and their property. It doesn’t protect your vehicle if an accident or some other event damages or destroys it. If you don’t have collision and comprehensive coverage in this situation, you’ll need to pay for repairs out of your own pocket.
SR-22 insurance in Texas
You may need to file an SR-22 with the Texas Department of Public Safety after certain incidents. An SR-22, also called a financial responsibility insurance certificate, proves you have at least the minimum amount of liability car insurance the state requires.
These situations may require filing an SR-22 in Texas:
- Your driving privileges are suspended due to a car crash.
- You receive a second or subsequent conviction for driving without car insurance.
- A civil judgment is filed against you.
In most cases, Texas drivers need to file an SR-22 and maintain the required amount of car insurance coverage for two years.
Frequently asked questions
How much is car insurance in Texas per month?
The average cost of a minimum-liability policy in Texas is $109 per month or $1,305 per year for a middle-aged driver. If you're a teenage driver, the cost of a minimum-coverage insurance policy is approximately $287 per month or $3,444 per year.
What is full-coverage insurance in Texas?
Full-coverage policies include the minimum liability coverage required in the state in addition to collision and comprehensive coverage. This includes $25,000 of property damage liability as well as $30,000 of bodily injury liability per person and $60,000 per accident.
How much is full-coverage insurance in Texas?
For a full-coverage policy, the average cost is $204 a month or $2,454 a year. For teenage drivers, the average is about $233 per month or $2,792 per year.
Methodology
QuoteWizard conducted a comprehensive study of Texas car insurance rates using Quadrant Information Services. Unless otherwise stated, the quotes analyzed in this article are for a single, 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives it an average of 13,500 miles a year.
Full-coverage car insurance policies mentioned in this article include the following:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 collision and comprehensive deductibles
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