Cheapest Car Insurance in Texas for 2022
Texas drivers often pay more for car insurance than drivers in other states. According to our research, the average Texas driver spends $120 per month on the minimum amount of car insurance the state requires. That’s $33 per month more than the national average for a minimum-coverage policy.
It’s possible to get cheaper car insurance than that as a Texan, though. USAA and State Farm sent our sample driver rate quotes that averaged $58 and $67 per month, respectively, for state-minimum car insurance coverage.
You can get cheap full-coverage car insurance in Texas, too, depending on where you buy a policy and several additional factors. You can even get affordable car insurance in Texas with accidents or other incidents on your driving record.
We’ll tell you all about that and more in this article, which covers:
- Where to buy cheap liability car insurance in Texas
- Where to buy cheap full-coverage car insurance in Texas
- Best auto insurance companies in Texas
- Texas car insurance laws
Where can I get cheap liability car insurance in Texas?
USAA is the best company for cheap liability car insurance in Texas, based on our data. In our survey of the state’s insurance providers, USAA offered minimum-coverage, liability-only car insurance for $58 a month, on average. This is $62 per month cheaper than the state average for such coverage.
| Company | Average monthly rate | |||
|---|---|---|---|---|
| USAA | $58 | |||
| State Farm | $67 | |||
| GEICO | $121 | |||
| Allstate | $213 | |||
| Texas average | $120 | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
State Farm also offers cheap minimum-coverage car insurance in Texas, especially if you aren’t eligible to buy a policy from USAA. Only active military, veterans and some of their family members can buy insurance from USAA. State Farm offered our sample driver liability-only car insurance for $67 a month, on average — $53 per month cheaper than the state average.
Where can I get cheap full-coverage insurance in Texas?
State Farm and USAA are the best companies for cheap full-coverage auto insurance in Texas, too, based on our research. Both providers offered our driver an average monthly rate of $122 for a full-coverage policy, which includes liability, comprehensive and collision coverages. This is less than half of the state average for such policies — $129 per month less, to be exact.
| Company | Average monthly rate | |||
|---|---|---|---|---|
| State Farm | $122 | |||
| USAA | $122 | |||
| GEICO | $218 | |||
| Allstate | $303 | |||
| Texas average | $251 | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
GEICO also offers full-coverage car insurance for less than the state average, at an average monthly rate of $218. Given that, you should add GEICO into the mix when comparing quotes from Texas insurance companies. The more car insurance quotes you can compare, the more likely you are to get your best rate for the coverage you need.
How much is car insurance in Texas based on age?
If you’re a young driver in your teens or early twenties, you’ll pay more for auto insurance in Texas than older drivers with more experience behind the wheel. How much more do these young and new drivers pay for car insurance in Texas? Our analysis found that an average 18-year-old driver in Texas pays $271 per month for minimum-coverage car insurance. An average 30-year-old driver here pays $120 per month for a minimum-coverage policy. That means most 18-year-old Texas drivers pay more than twice as much for car insurance as their 30-year-old counterparts.
Where can you get the cheapest car insurance in Texas for your age group? Here are your best options:
| Age group | Cheapest companies | |||
|---|---|---|---|---|
| Teens | State Farm and USAA | |||
| 20s | State Farm and USAA | |||
| 30s | State Farm and USAA | |||
| 40+ | State Farm and USAA | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
State Farm and USAA are the best companies for cheap car insurance in Texas, regardless of your age, according to our survey of the state’s providers.
Not everyone can get car insurance from USAA, though. Only veterans, current members of the military and some of their family members qualify. If you’re not eligible to buy a policy from USAA, try GEICO instead. Our data shows GEICO also offers cheap car insurance to Texas drivers of all ages.
Cheap insurance for young drivers in Texas
Young drivers pay some of the highest rates for car insurance, both in Texas and in other states. To get low-cost car insurance as a teen driver or driver in your twenties, make sure you get quotes from State Farm and USAA. They offered the cheapest car insurance rates to the young drivers in our survey.
| Company | Average monthly rate, teens | Average monthly rate, twenties | ||
|---|---|---|---|---|
| USAA | $116 | $75 | ||
| State Farm | $208 | $115 | ||
| GEICO | $259 | $150 | ||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
What is the best car insurance company in Texas after a DUI?
Texas drivers looking for cheap car insurance with a DUI on their records should get quotes from USAA and State Farm when shopping for coverage. USAA offered our sample driver a full-coverage policy for an average monthly rate of $183. State Farm’s average was $186. Both amounts are just over $60 more than what these companies offered our driver with a clean record.
| Company | Monthly rate before DUI | Monthly rate after DUI | Difference | |
|---|---|---|---|---|
| USAA | $122 | $183 | $61 | |
| State Farm | $122 | $186 | $64 | |
| GEICO | $218 | $377 | $159 | |
| Allstate | $303 | $463 | $160 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
What is the best car insurance company in Texas after an accident?
To get your best rate for car insurance with one or more accidents on your driving record, you need to shop around and compare quotes from several companies. If you live in Texas and find yourself in this situation, put State Farm at the top of your list. State Farm offered our sample driver with an accident an average monthly rate of $144 for full-coverage car insurance. That’s just $22 per month more than what it offered our Texas driver with no incidents on their record.
| Company | Monthly rate before accident | Monthly rate after accident | Difference | |
|---|---|---|---|---|
| State Farm | $122 | $144 | $22 | |
| USAA | $122 | $183 | $61 | |
| GEICO | $218 | $335 | $117 | |
| Allstate | $303 | $480 | $177 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
What is the best car insurance company in Texas after a speeding ticket?
Getting a speeding ticket usually doesn’t raise your car insurance rates as much as an accident or DUI does, but it can still cause rates to go up. A ticket won’t always result in a rate increase, however. In our survey of auto insurers that serve Texas, State Farm offered the same monthly rate of $122 for a full-coverage policy before and after a speeding ticket was reported.
| Company | Monthly rate before ticket | Monthly rate after ticket | Difference | |
|---|---|---|---|---|
| State Farm | $122 | $122 | $0 | |
| USAA | $122 | $138 | $16 | |
| GEICO | $218 | $264 | $46 | |
| Allstate | $303 | $303 | $0 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Allstate did the same, although its average monthly rate of $303, both pre- and post-ticket, was more than twice as expensive as State Farm’s.
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What are the best car insurance companies in Texas?
The best car insurance companies don’t always offer the lowest or cheapest rates. Cost is important, of course, but so are other factors, like customer service and satisfaction.
That said, it’s possible for drivers in Texas to have it all. GEICO, State Farm and USAA not only offer the lowest car insurance rates in Texas, but they provide great service and satisfaction, too, according to J.D. Power and the National Association of Insurance Commissioners (NAIC).
| Company | J.D. Power 2021 U.S. Auto Insurance Study | NAIC Complaint Index 2020 | ||
|---|---|---|---|---|
| GEICO | 832 | 0.71 | ||
| State Farm | 838 | 0.70 | ||
| USAA | 879 | 0.86 | ||
| Note: J.D. Power assesses overall customer satisfaction on a 1,000-point scale. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0. | ||||
What are the minimum car insurance requirements in Texas?
Texas car insurance law requires drivers to carry at least 30/60/25 liability coverage. This means the minimum amount of liability coverage you must have as a Texas driver is:
- $30,000 of bodily injury liability coverage per person
- $60,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability coverage
It can be tempting to buy just liability coverage for a vehicle, as that 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 coverages 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.
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, 30-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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