Cheapest Car Insurance in Texas for 2026

Cheapest Overall: State Farm
Cheapest for Teens and Young Adults: Germania and GEICO
Cheapest for Seniors: State Farm
Cheapest After a Speeding Ticket: State Farm
Cheapest After a Texting While Driving Ticket: State Farm
Cheapest After an At-fault Accident: State Farm
Cheapest After a DUI: State Farm
Cheapest for Drivers With Poor Credit: GEICO

State Farm has the lowest car insurance rates for almost every driver in the Lone Star State. Full coverage policies average $102 per month and minimum coverage insurance is $45 monthly. GEICO is the second least expensive in many driver categories. Overall, both companies’ rates are below the statewide average of $165 for full coverage and $73 for minimum coverage.

Germania is the cheapest for 16- and 17-year-old females and GEICO is the cheapest company for males of the same age. For drivers aged 18-25, GEICO offers the lowest rates. It’s recommended that Texas families shop around and check insurance rates each year because teens are costly to insure and providers often lower their rates to attract more customers.

State Farm ($102) and GEICO ($119) have the lowest monthly rates for seniors in Texas, and both are well below the statewide average of $161 for drivers in this category. Senior drivers in Texas tend to pay slightly more than middle-aged drivers but less than young adults.

State Farm has the lowest rates for Texas drivers with the four primary driving violations on their record: a speeding ticket, texting while driving, an at-fault accident and a DUI. Drivers with a violation on their record should shop around, but their best way to save money is to drive safely until the violations fall off their record. A DUI drops off after 10 years, while the other violations mentioned are removed after three years.

GEICO’s rates are the lowest for Texas drivers with poor credit, averaging $194 per month. That rate is well below State Farm’s monthly cost of $599. Texas insurers have found that drivers with lower credit scores tend to be more likely to file claims, so they charge them higher premiums.

Like all states, where you live in Texas affects your car insurance rates. State Farm has the lowest prices in the Lone Star State’s 10 largest cities, but those rates vary. For example, Laredo’s are some of the highest in our data, and that’s likely because the city is one of the country’s busiest land border crossings and has a higher rate of car accidents due to the increased traffic flow.

Texas law requires drivers to carry the following coverages, also called liability-only:  

• $30,000 for bodily injury liability coverage per person
• $60,000 for bodily injury liability per accident
• $25,000 for property damage per accident

This is referred to as 30/60/25 coverage, and it’s the bare minimum that drivers in Texas must have on their car insurance policy. It’s worth raising those coverage levels to make sure you’re properly protected if you’re in an accident.

Other coverage options worth looking into:

• Collision: Pays to repair or replace your vehicle if you’re in an accident. Lenders require this coverage on financed vehicles.
• Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged in something other than an accident, such as damage from animals and weather. Like collision, lenders require this.
• Medical payments coverage: Also known as MedPay, this covers medical bills if you’re in an accident, regardless of who is at fault.
• Personal injury protection: This coverage, also called PIP, covers medical bills, lost wages and other non-medical costs if you’re in an accident, regardless of fault. Insurers in Texas include PIP in their policies, but drivers can opt out.
• Uninsured/underinsured motorist coverage: This coverage pays your medical bills and car repair costs if another driver without insurance or not enough coverage hits your vehicle. This also covers you in hit-and-run accidents.

MoneyGeek analyzed rates from Quadrant Information Services across all residential ZIP codes in Texas. The analysis covers 10 car insurance companies for minimum and full coverage comparisons and violation profiles.

• Baseline driver profile: 40-year-old male, clean driving record, good credit, $100,000 per person/$300,000 per accident/$100,000 property damage full coverage, $1,000 deductible. All rates on this page reflect this profile unless the section specifies otherwise.
• Young drivers: Ages 16 through 25 on a family policy, split by gender. Texas uses gender as a rating factor.
• Seniors: 65-year-old driver, same vehicle and coverage as the baseline.
• Violations: Baseline profile with one driving record variable changed; all other variables held constant.
• Poor credit: Baseline profile with credit tier changed to poor. Texas permits credit as a rating factor under Texas Insurance Code Chapter 559. The gap between State Farm's good-credit rate and GEICO's bad-credit rate is $101 per month.
• Coverage tier: Full coverage reflects $100,000/$300,000/$100,000 liability limits with a $1,000 deductible. Minimum coverage reflects Texas's required minimums: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage under Texas Transportation Code § 601.072. Texas does not require PIP, though it is included by default and can be declined in writing.
• USAA: Excluded from provider tables; available only to military, veterans, and immediate family. Eligible drivers should include USAA in any quote comparison.
• State-specific notes: Texas is an at-fault state. A DUI or DWI conviction requires an SR-22 filing maintained for two years from the date of the most recent conviction per the Texas Department of Public Safety (Texas Transportation Code § 601). Texas does not use FR-44. State Farm's speeding ticket and texting while driving rates match its clean-record rate of $93 per month in the 2026 data — both are shown as reported.

See our full methodology.