Key Takeaways
- GEICO has the cheapest car insurance rates in Texas for most drivers.
- The average cost of car insurance in Texas is cheaper than the national average.
- Texas drivers with a DUI pay 67% more for car insurance than they would with a clean driving record.
In this article
The cheapest car insurance companies in Texas
Here are the cheapest car insurance companies for Texas drivers, according to our survey of the state’s top providers.
Cheapest overall: GEICO
Cheapest with bad credit: Allstate
Cheapest for seniors: GEICO
GEICO is the cheapest car insurance company in Texas because it offers the state’s lowest rates for both minimum and full coverage.
Allstate has the cheapest car insurance for Texas drivers with poor credit, with an average rate of $279 a month.
GEICO has the lowest average car insurance rate for senior drivers in Texas, charging an average of $135 a month.
To find the best and cheapest rates for the coverage you need, compare auto insurance quotes from several companies.
Texas car insurance state minimums
All Texas drivers must carry at least 30/60/25 car insurance. This means they need the following amounts of liability car insurance, at a minimum.
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $30,000 per person/$60,000 per accident |
| Property damage liability | $25,000 per accident |
| Source: Texas Department of Insurance | |
All car insurance policies offered to Texas drivers include personal injury protection, or PIP, though you can reject it in writing.
Insurance companies in Texas also must offer uninsured and underinsured motorist coverage, but you can reject this, too.
Cheapest minimum-coverage auto insurance rates in Texas: GEICO
GEICO has the cheapest car insurance in Texas for drivers who want state-minimum coverage, with rates averaging $79 a month.
USAA offers even cheaper rates for minimum coverage at $54 a month, on average, though only Texans with ties to the military qualify.
The average cost of minimum-coverage car insurance in Texas is $82 a month.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $79 |
| Allstate | $94 |
| State Farm | $103 |
| USAA | $54 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Get cheap car insurance in Texas
Cheapest full-coverage auto insurance rates in Texas: GEICO
To get the cheapest full-coverage car insurance in Texas, go to GEICO, which offers an average rate of $142 a month for this amount of coverage.
The average cost of full-coverage car insurance in Texas is $158 a month.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $142 |
| State Farm | $189 |
| Allstate | $194 |
| USAA | $105 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Full-coverage car insurance usually includes collision, comprehensive and liability coverages. No state requires full coverage, but you may still need to buy it if you finance or lease your vehicle.
You should consider buying full coverage, even if it’s not required, if your vehicle is new or expensive. Otherwise, you might pay high out-of-pocket costs if you file a claim for damage to your vehicle.
Cheapest car insurance in Texas for drivers with bad credit: Allstate
The average Texas driver with bad credit pays over three times as much for car insurance than they would if they had good credit, based on our data.
It’s possible to find more affordable car insurance with bad credit, though. We found that Allstate charges drivers with bad credit $279 a month, on average, for full-coverage policies. This is just 44% more than what it charges drivers with good credit.
| Insurance company | Monthly rate |
|---|---|
| Allstate | $279 |
| GEICO | $393 |
| State Farm | $1,166 |
| USAA | $185 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. | |
Cheapest car insurance for drivers with a prior incident
GEICO has the cheapest car insurance rates for Texas drivers with prior incidents, like a speeding ticket, at-fault accident or DUI, on their records. This is important because these incidents can cause your insurance rates to increase for three to five years, depending on where you bought your policy.
Cheapest for drivers with a speeding ticket: GEICO
GEICO offers the cheapest car insurance for drivers with a speeding ticket on their records at an average rate of $169 a month.
Texas drivers with a speeding ticket pay 15% higher rates for car insurance than they would if they had a clean driving record.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $169 |
| Allstate | $194 |
| State Farm | $241 |
| USAA | $119 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: GEICO
GEICO is the cheapest car insurance provider for Texas drivers with an at-fault accident, charging them an average rate of $227 a month.
Drivers in Texas who have an at-fault accident on their records pay 53% more for car insurance than they would if they had a clean record.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $227 |
| State Farm | $267 |
| Allstate | $306 |
| USAA | $164 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: GEICO
A DUI on your record means much higher car insurance rates in Texas. How much higher? We found that the average driver with a DUI pays 67% more for a full-coverage car insurance policy than they would with a clean record.
If you live in Texas, have a DUI and want cheap car insurance, get a quote from GEICO. It charges drivers with one DUI $256 a month, on average, for full coverage.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $256 |
| Allstate | $297 |
| State Farm | $346 |
| USAA | $158 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
Compare car insurance quotes from top companies
Cheapest car insurance for senior drivers: GEICO
Drivers tend to pay lower rates for car insurance after a certain age, and our data shows that to be true. We found that GEICO has the cheapest car insurance rates for seniors in Texas, at an average $135 a month. This is $7 a month less than what GEICO charges the average 35-year-old driver.
The average 65-year-old driver in Texas pays 6% less for car insurance than a 35-year-old does, according to our research.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $135 |
| State Farm | $175 |
| Allstate | $180 |
| USAA | $101 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record.. | |
Cheapest car insurance for young drivers: GEICO
Young drivers usually pay higher rates for car insurance than drivers with more experience behind the wheel do — mainly because they’re involved in more accidents than older drivers. That’s even true of the cheapest car insurance for young drivers in Texas, GEICO, which charges the average 18-year-old rates that are about twice as high as they are for an average 35-year-old.
Still, GEICO’s average rates for both minimum- and full-coverage car insurance are far cheaper than those of its main competitors.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| GEICO | $154 | $303 |
| State Farm | $327 | $601 |
| Allstate | $342 | $741 |
| USAA | $99 | $193 |
| Rates are for an 18-year-old male with a clean driving record. | ||
Cheapest car insurance for married drivers: GEICO
Married drivers in Texas looking for the cheapest car insurance rates should start by getting a quote from GEICO. It charges married drivers an average rate of $155 a month. This is $15 a month less than what its nearest competitor, Allstate, charges.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $155 |
| Allstate | $170 |
| State Farm | $189 |
| USAA | $94 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
The average married driver in Texas pays 4% less for car insurance than they would if they were single, all else being equal. Insurance companies charge married drivers lower rates because they think they’re less likely to be involved in an accident or otherwise file a claim than single drivers.
Car insurance laws in Texas
SR-22 insurance
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.
Texas car insurance: Frequently asked questions
GEICO has the cheapest car insurance for most Texas drivers, including seniors, young drivers and average adults who have prior incidents on their records.
GEICO also has the cheapest car insurance in Texas for 35-year-old drivers who want minimum coverage, charging $79 a month, and full coverage, $142 a month.
The average cost of car insurance in Texas is $82 a month if you buy only the minimum amount of coverage the state requires. If you buy full-coverage car insurance, the average cost is $158 a month.
To legally drive in Texas, you need 30/60/25 car insurance at a minimum. This means you need $30,000 of bodily injury liability coverage per person and $60,000 per accident, as well as $25,000 of property damage liability coverage.
Texas driver report
Texas has decent drivers, but road infrastructure in The Lone Star State is becoming a costly problem. Our team of analysts found that Texas’s poor road conditions cost drivers nearly $700 a year.
- Lubbock, Brownsville and McAllen are the best-driving cities in Texas.
- League City, Pearland and New Braunfels are the worst-driving cities in Texas.
- Twenty-two percent of roads and 1% of bridges are in poor or unacceptable condition.
- Poor road infrastructure costs drivers $682 a year.
Best and worst drivers in Texas
Texans get into a lot of accidents. Our annual report on the best- and worst-driving states found that Texas has the sixth-highest rate of accidents nationwide. Some cities, though, seem particularly accident-prone. League City has the worst drivers in the state, while Lubbock is home to the best.
Best Drivers by City
- Lubbock
- Brownsville
- McAllen
- Irving
- Amarillo
- Laredo
- Mission
- Wichita Falls
- Beaumont
- Houston
Worst Drivers by City
- League City
- Pearland
- New Braunfels
- Killeen
- Temple
- Sugar Land
- Denton
- McKinney
- Cedar Park
- Waco
Texas infrastructure rating
Road infrastructure is a problem in Texas. Our team of analysts looked at road and bridge conditions nationwide and found that Texas has a high percentage of roads in poor condition.
- Twenty-two percent of roads are in “non-acceptable” condition.
- One percent of bridges are in poor condition.
- Poor road and bridge conditions cost drivers an average $682 a year.
Roads are by far the biggest driving infrastructure problem in Texas. The state has the 16th-highest percentage of poor-quality roads, but the lowest percentage of bridges that are in poor condition.
Best and worst drivers by age group
Texas drivers under the age of 20 have more dangerous driving incidents than any other age group. Drivers under 20 years old are three times more likely to be involved in a dangerous driving incident than drivers over the age of 40. The difference in incidents for each age group is often why younger drivers pay more for car insurance.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Texas.
Unless otherwise noted, our sample driver is a single 35-year-old. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000
- Collision: $500 deductible
- Comprehensive: $500 deductible
Driver report: QuoteWizard analyzed over 100,000 car insurance quotes to determine Texas' best- and worst-driving cities. Drivers were evaluated based on the number of accidents, citations, speeding tickets and DUIs in each city. QuoteWizard evaluated Federal Highway Administration data on road and bridge quality to determine the number of roads and bridges in “poor” or “unacceptable” condition.
Car insurance by city
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