State Farm offers the lowest car insurance rates in Denton, with average annual premiums of $471 for minimum coverage and $1,101 for full coverage. GEICO, Mercury and AAA also offer competitive rates in the city.
Car Insurance in Denton
Updated: August 8, 2025
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Key Takeaways
Denton's cheapest car insurance companies are State Farm, GEICO and Mercury, with rates up to 41% lower than the city average.
Monthly car insurance costs in Denton average $147 for full coverage and $63 for minimum coverage.
To find the best cheap auto insurance in Denton, compare quotes from multiple sources and choose coverage that fits your needs.
Who Has the Cheapest Car Insurance in Denton?
| State Farm | $39 | $92 | -41% |
| GEICO | $52 | $107 | -29% |
| Mercury | $54 | $127 | -19% |
| AAA | $59 | $124 | -18% |
| Germania Insurance | $66 | $138 | -8% |
Cheapest Denton Car Insurance by Category
State Farm offers the cheapest rates in six driver categories in Denton. GEICO provides the most affordable coverage for drivers with newer cars, bad credit and young motorists.
| Young Drivers | GEICO | $90 |
| Adult Drivers | State Farm | $39 |
| Senior Drivers | State Farm | $45 |
| Drivers With an Accident | State Farm | $46 |
| Drivers With a DUI | State Farm | $63 |
| Drivers With a Speeding Ticket | State Farm | $39 |
| Drivers With Bad Credit | GEICO | $75 |
| Drivers With Newer Cars | GEICO | $56 |
| Drivers With Old Cars | State Farm | $36 |
Compare the Cheapest Denton Car Insurance for You
Your car insurance rate depends on your driving history, age, credit score and other personal factors. Find your driver profile in the table below to see which companies offer the best rates for your situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Geico | $52 | $622 | -23% |
| Mercury Insurance | $54 | $650 | -19% |
| AAA | $59 | $705 | -12% |
| Farmers | $62 | $749 | -7% |
| State Farm | $39 | $471 | -42% |
Best Car Insurance Companies in Denton
For drivers in Denton, the top car insurance companies are State Farm, GEICO, Mercury and AAA. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| GEICO | 91 | 2 | 6 | 6 |
| Mercury | 90 | 3 | 5 | 4 |
| AAA | 89 | 4 | 4 | 6 |
| Progressive | 88 | 6 | 2 | 2 |
State Farm: Best Overall Value
pros
Strong customer service ratings
Competitive rates across driver types
Wide range of discounts available
cons
Limited coverage add-ons
Online tools need improvement
COMPANY HIGHLIGHTS
State Farm ranks as Denton's top car insurance provider, earning high marks for both affordability and customer satisfaction. The company stands out for offering lower rates than the city average across most driver categories, including seniors, accident-prone drivers, and those with speeding tickets. Their local agent network provides personalized service, though their digital tools lag behind some competitors.
GEICO: Best for Specialized Coverage
pros
Easy online quote process
Strong mobile app features
Multiple discount options
cons
Limited local agent availability
Average customer service ratings
COMPANY HIGHLIGHTS
GEICO ranks second among Denton's car insurance providers, offering particularly good rates for young drivers and those with newer vehicles. Their streamlined digital tools make it easy to manage policies and file claims online. While they excel in serving specific driver groups like those with bad credit, their limited local presence means most customer service happens through their website or call center.
How Much Is Car Insurance in Denton?
In Denton, minimum coverage costs about $63 per month or $759 per year, ranking 1,079th out of all Texas cities for affordability. Full coverage averages $147 monthly or $1,763 annually, ranking 1,101st among Texas cities.
| Full Coverage | $147 | $1,763 |
| Minimum Coverage | $63 | $759 |
Denton Car Insurance Cost by Category
In Denton, monthly coverage costs vary from $58 to $342 depending on the driver category. Check the table below to see rates for your category.
| Young Drivers | $147 | $318 |
| Adult Drivers | $63 | $147 |
| Senior Drivers | $82 | $171 |
| Drivers With an Accident | $90 | $204 |
| Drivers With Bad Credit | $143 | $342 |
| Drivers With a DUI | $99 | $215 |
| Drivers With a Speeding Ticket | $75 | $174 |
| Drivers With Newer Cars | $78 | $182 |
| Drivers With Old Cars | $58 | $133 |
Denton Car Insurance Costs by ZIP Code
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.
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ZIP Code:76201
| 76201 | $62 | $145 |
Compare Personalized Denton Car Insurance Costs
While basic rate breakdowns show average costs, this table lets you filter Denton car insurance rates by your specific combination of age, driving record and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $66 | $794 | -2% |
How to Get the Best Cheap Denton Car Insurance
Finding affordable car insurance in Denton can feel overwhelming, especially with the area's high average rates and complex coverage options. Our step-by-step guide helps you navigate your choices and secure the cheapest rates without sacrificing essential coverage.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need to protect yourself in Denton. Consider your car's value, your savings, and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation based on your specific situation.
- 2
Explore alternative insurance options
Beyond standard types of car insurance, consider specialized options that might save you money. If you drive infrequently, pay-per-mile coverage could reduce your costs. Don't own a car? A non-owner policy might be your best choice.
- 3
Know what others are paying
Research average vehicle insurance costs in Denton to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize a good deal when you see one and avoid overpaying for coverage.
- 4
Find all possible discounts
Take advantage of every car insurance discount available. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Safe driver and good student discounts can also significantly reduce your premium.
- 5
Check company ratings and reviews
Research insurance providers' customer service records and financial stability ratings. Look for companies with strong claims-handling reputations in Denton. Read local customer reviews to understand how each insurer treats Texas drivers when they need help most.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to ensure you're seeing all available options.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance coverage and rates. Life changes like moving within Denton, buying a new car, or improving your credit score can qualify you for better rates. Don't let loyalty to one company cost you money.
Cheapest Car Insurance in Denton: Bottom Line
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.
Cheap Denton Car Insurance: FAQ
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.
What is the cheapest car insurance company in Denton, Texas?
State Farm offers the lowest rates in Denton, with average annual premiums of $471 for minimum coverage and $1,101 for full coverage. Actual rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Denton?
State Farm leads Denton's car insurance market with a MoneyGeek score of 95 out of 100, scoring 4 points higher than GEICO. They excel in both affordable rates and quality service.
What is the average cost of car insurance in Denton?
In Denton, drivers pay $1,763 annually for full coverage and $759 for minimum coverage car insurance. Actual rates vary based on individual factors.
Is car insurance in Denton expensive?
Car insurance in Denton costs more than average, ranking 1079th for minimum coverage affordability and 1101st for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Denton, TX
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 with the following characteristics:
- 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 certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Denton
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following 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 all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.