Cheapest Car Insurance in Denton (2026)

State Farm provides Denton's most affordable full coverage at $92 monthly, while also offering the city's cheapest minimum coverage at just $39 per month or $471 annually. These premiums apply to drivers with clean records. Your age and driving history influence which provider offers you the lowest premium, so requesting quotes from multiple carriers helps you find your best available rate.

Denton drivers pay $63 per month for minimum coverage and $147 per month for full coverage. These rates exceed Texas's state average of $61 monthly for minimum coverage and $139 monthly for full coverage. 

Denton's premiums sit slightly above the Texas average due to higher traffic density, elevated accident rates and increased vehicle theft in urban areas. Comparing quotes from multiple insurers helps Denton drivers find the most competitive rates available.

Note: Rates shown are estimates based on available data. Actual premiums may vary based on state regulations, individual circumstances, and insurer underwriting guidelines.

Read More: The cheapest car insurance in Texas

Denton's young drivers pay high insurance costs, averaging $254 monthly across the top five insurers. Adult drivers pay much less at $117 monthly, while seniors average $141 monthly. Young drivers pay more than double adult rates due to their limited driving experience and higher accident rates.

Cheapest Denton car insurance by age:

• Young drivers: GEICO at $192 per month
• Adult drivers: State Farm at $92 per month
• Senior drivers: State Farm at $102 per month

Once drivers establish experience, age matters less for pricing. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Young drivers between 16 and 25 pay the highest car insurance costs in Denton, with GEICO offering the most affordable option at $192 monthly or $2,302 annually for full coverage. Insurers charge these high premiums because young drivers lack experience behind the wheel and have higher accident rates plus more traffic violations than older age groups.

The average monthly premium across Denton's five cheapest insurers hits $254 for young drivers compared to just $117 for adults. Youth rates run more than double what experienced drivers pay.

Shopping around saves young Denton drivers $143 monthly when choosing GEICO over Allstate at $335 monthly, the fifth cheapest option. Adding a young driver to your family policy costs less than getting them separate coverage, but rates stay high until they turn 25.

Note: Teen drivers under 18 must meet additional state-specific licensing requirements and parental consent regulations that can affect coverage options and rates.

Denton seniors benefit from decades of driving experience and often maintain clean driving records, helping them secure competitive rates like State Farm's $102 monthly or $1,226 annually for full coverage. While some insurers slightly increase rates for drivers over 70 due to concerns about slower reaction times, the overall picture remains favorable. 

Across the five cheapest insurers, Denton seniors average $141 monthly, just $24 above the $117 adult average, showing insurers view experienced drivers similarly.

By choosing State Farm over Progressive at $173 monthly, Denton seniors save $71 each month. Completing defensive driving courses or keeping annual mileage below 7,500 miles can unlock additional discounts for even greater savings.

Adults between 26 and 64 enjoy the most competitive car insurance rates in Denton, with State Farm leading at $92 monthly or $1,101 annually for full coverage. This demographic gets preferential pricing because insurers view them as ideal customers who blend extensive driving experience with lower accident rates than both younger and older drivers. 

Denton's five cheapest insurers average $117 monthly for adults, which represents the lowest rates of any age category.

Shopping around pays off for Denton adults, who save $46 monthly by choosing State Farm over Germania Insurance at $138 monthly. Clean driving records, policy bundling, and good driver discounts provide additional opportunities to reduce premiums.

Driving violations substantially increase insurance costs in Denton, with average monthly rates across the five cheapest insurers jumping from $53 for clean records to $78 for DUIs. State Farm leads across categories, charging $39 monthly for minimum liability coverage with clean records and maintaining that $39 rate for drivers with speeding tickets, while providing the lowest DUI rates at $63 monthly. 

The progression shows how violations impact your wallet: $63 for speeding tickets, $67 for at-fault accidents and $78 for DUIs.

At-fault accidents raise premiums because they demonstrate you've caused property damage or injuries, signaling higher risk to insurers. DUIs trigger the largest rate increases because they combine dangerous behavior with legal consequences, making insurers view you as their highest-risk customer category and often requiring SR-22 filing for license reinstatement.

Car insurance costs in Denton vary widely. ZIP code 76201 offers the cheapest rates at $62 monthly, while ZIP code 76209 charges the most at $149. See your ZIP code's rate in the table below to find what you'll actually pay.

Drivers in Denton's most populated areas pay different rates. ZIP codes 76201, 76205 and 76207 cost $145, $146 and $146 monthly for minimum coverage. Rate differences across neighborhoods depend on local risk factors like accident frequency, theft rates, population density and uninsured driver percentages. 

Use the filter above the table to locate your ZIP code and check your area's typical rate.

Getting competitive rates and adequate coverage in Denton means knowing what to compare and where to look.

Want to find affordable coverage in Denton? Our FAQ section answers your questions about available discounts, state regulations and policy options to help you find coverage that fits your budget.

Denton drivers pay some of Texas's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for  Denton's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.