Car Insurance in Denton

State Farm offers the most affordable rates across nearly all driver categories in Denton. Adult drivers with clean records pay $471 per year, while seniors pay $545 annually through State Farm.

Young drivers pay higher costs at $1,057 per year, representing a 124% increase over adult rates. DUI violations push premiums to $760 annually with State Farm, a 61% jump from clean-record rates.

At-fault accidents cost $554 per year through State Farm, while speeding tickets don't increase premiums. The insurer's consistent affordability across profiles makes it the go-to choice for most Denton residents seeking value.

State Farm has the cheapest minimum coverage in Denton at $471 per year, 41% below the city average of $1,261. It charges $1,101 annually for full coverage, keeping rates low across both coverage levels.

State Farm's pricing advantage in Denton comes from competitive underwriting and strong Texas market presence. Its rates sit over $500 below the city average for minimum coverage.

GEICO offers the second-best rates at $622 per year for minimum coverage.

Adult drivers in Denton pay $471 per year through State Farm. Young drivers pay $1,057 annually with State Farm, 124% more than adults.

Seniors pay $545 per year through State Farm. Denton's age-based rates are more affordable than many Texas cities. State Farm's competitive pricing helps young drivers, who typically face steep premiums elsewhere.

State Farm provides the lowest rates for clean-record drivers in Denton at $471 annually. DUI violations increase costs to $760 per year with State Farm, a 61% premium hike.

At-fault accidents push rates to $554 annually, while speeding tickets don't impact premiums through State Farm. State Farm rewards safe driving and penalizes serious violations.

State Farm's pricing benefits Denton drivers with occasional speeding tickets. The $289 gap between clean and DUI rates shows why responsible driving keeps insurance affordable.

State Farm is the best car insurance company in Denton with a MoneyGeek score of 95 out of 100. State Farm offers low premiums and strong service. GEICO follows with a score of 91, offering competitive digital-first coverage.

State Farm delivers consistent value across all driver categories and maintains accessible local agent networks. GEICO works well for tech-savvy drivers who prefer online policy management.

Both insurers offer financially stable coverage with responsive claims handling.

Car insurance in Denton averages $1,261 per year. Minimum coverage runs about $105 monthly while full coverage costs $1,261 annually.

These rates track closely with broader Texas averages but exceed the state's cheapest cities. State Farm offers coverage below the market average at $471 annually for minimum coverage.

Denton's mix of young drivers from the local university and suburban families creates diverse insurance needs, but competitive pricing from State Farm and GEICO helps most residents find affordable options.

In Denton, car insurance rates by ZIP code range from $62 to $149 per month. ZIP code 76208 is the most expensive, while 76201 is the cheapest. Check the average rates for your ZIP code on the table below.

Car insurance rates in Denton depend on your driving record, vehicle and credit score. State Farm and GEICO offer the lowest average premiums, but compare quotes from multiple providers to find your best rate.

Find clear answers about affordable car insurance in Denton based on MoneyGeek's research. Our FAQ section helps you understand coverage options and save money while getting the protection you need.

To help Denton drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.

Denton Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted factors like age, driving record, credit score and military affiliation to find suitable insurance companies for specific driver profiles.

Coverage Levels in Denton

MoneyGeek compared affordable insurance providers for minimum and full coverage auto insurance policies.

Texas minimum coverage requirements are:

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

For full coverage policies, we used these coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated companies across three factors:

• Affordability (60%): Premium comparisons across multiple driver profiles reveal the most critical factor: whether drivers can maintain coverage long-term. We analyzed rates from major Denton insurers to determine pricing competitiveness.
• Customer experience (30%): Real customer feedback from Google reviews, J.D. Power ratings, AM Best ratings and Reddit discussions reveal how insurers handle claims and customer service.
• Coverage options (10%): Providers earn higher scores for unique offerings and comprehensive coverage selections beyond basic liability.