bestauto insuranceDenton2022Compare the Cheapest Car Insurance Quotes in Denton, TX
Car insurance in Denton costs $1,151 per year on average, 12.5% cheaper than the state average. Farmers, which has an average rate of $726, is the cheapest option for most Denton drivers. MoneyGeek analyzed the cheapest insurers based on coverage amount and driving history. MoneyGeek also ranked the best car insurance companies in Denton for drivers who value quality and cost.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 7/28/2022
Written By |
Mark Fitzpatrick
Farmers offers the cheapest car insurance in Denton. The company’s annual premium is $726, while their state minimum coverage only costs $374. The rate of their policy for those with speeding tickets is only $726. USAA also offers cheap policies but is only available for those from the military.
bestauto insuranceDenton2022The Cheapest and Best Car Insurance in Denton
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - Farmers
Best Overall - GEICO
The Cheapest Car Insurance Companies in Denton
If you are looking for the most affordable full coverage policy in Denton, here are your options:
- Farmers: $726 per year
- State Farm: $818 per year
USAA is the second cheapest full coverage provider in the state. However, you have to come from a military family to qualify.
The most expensive full coverage policy in Denton costs $2,279 from The General. With Farmers, you’ll save over $1000 for the same policy. A full coverage means it includes comprehensive and collision insurance. While Farmers’ insurance is cheap, it may still increase depending on how much liability insurance you add.
Cheapest Car Insurance in Denton
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$726
- 2.$786
- 3.$818
- 4.$867
- 5.$990
MoneyGeek’s car insurance analysis uses rates of a 40-year-old man with a full coverage policy in accordance with the company’s methodology.
A full coverage auto insurance policy is ideal for drivers who want to be fully protected. The drawback is that it has higher premiums than the minimum coverage. This policy includes comprehensive and collision insurance, which will protect you in case of an accident and vehicle damage.
- Comprehensive insurance: Damage to vehicles due to reasons other than accidents is covered by this insurance.
- Collision insurance: This covers expenses related to vehicular accidents.
Liability-only insurance or the state minimum car insurance may be a better and cheaper option if you have an older car.
Compare Car Insurance Rates in Denton
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Denton for Minimum Coverage
Denton’s required minimum car insurance is the least expensive among other coverages. If you’re buying one, here are the companies that offer the lowest rates:
- Farmers: $374 per year
- State Farm: $449 per year
USAA is the second cheapest minimum coverage provider, but it’s only available for veterans and those on active duty.
Farmer’s minimum coverage is $771 cheaper than that of The General, whose rate is $1,145. Note, however, that this type of coverage offers the least protection. It has low levels of liability coverage and lacks comprehensive and collision insurance.
Cheapest Minimum Liability Car Insurance in Denton
State Minimum
- CompanyState Minimumper year
- 1.$374
- 2.$379
- 3.$449
- 4.$476
- 5.$486
Minimum coverage policy may be ideal for those with budget restrictions, but it has its downsides. It only includes liability coverage, so in case of an accident, the policy won’t protect you financially. For example, you’ve been in a vehicular accident and have to pay $60,000 in medical bills. Your bodily injury liability insurance only has $40,000. You will have to get the payment for the balance out of your pocket.
Texas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Denton if You Have Driving Violations
Insurance premiums can increase due to driving violations, such as DUI, speeding tickets, and at-fault accidents. The good thing is that you’ll still find auto insurers that offer affordable insurance, and here are the cheapest:
- Cheapest after a ticket: State Farm, $818 per year
- Cheapest after an at-fault accident: State Farm, $993 per year
- Cheapest after a DUI: Farmers, $1,065 per year
USAA, an insurance provider that caters to military members, is among the cheapest insurance providers in Denton. If you like to lower your premiums, you need to improve your driving record. However, this strategy takes time. If you have a bad record, you can explore our list of cheapest car insurance after tickets or accidents.
Cheapest Car Insurance in Denton With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$818
- 2.$881
- 3.$948
- 4.$1,008
- 5.$1,012
Average Cost of Car Insurance in Denton
Denton$1,151
Texas$1,316
U.S.$1,424
On average, the annual cost of car insurance in Denton is $1,151. That is cheaper than both the state and national annual premium averages. The state average price for auto insurance is $1,316, which means Denton drivers typically pay 12.5% less. Meanwhile, the national average is $1,424 or 19.2% more than Denton’s average.
Personalized Quotes to Get You the Cheapest Car Insurance in Denton
Insurers use different factors to determine prices, including age, location, driving history, credit score and car make and model. It’s a good idea to compare car insurance quotes regularly, especially if there are changes to your circumstances, to see if you qualify for discounts, rebates or other savings.
Compare Car Insurance Rates in Denton
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Denton
To help you find the best car insurance companies in Denton, Texas, MoneyGeek analyzed average premiums, customer satisfaction and claims ratings from multiple insurers. We learned that the top-rated insurers in the city are:
- State Farm: MoneyGeek score of 93.8 out of 100
- Farmers: MoneyGeek score of 93.2 out of 100
USAA received the highest marks, with a MoneyGeek score of 94.0 out of 100, making it the best auto insurance company in Denton. However, it was excluded from our analysis because policies are only offered to military members and their families.
1
State Farm
Score:85
State Farm received high marks for financial stability, customer satisfaction, claims and affordability. A full coverage policy for the average 40-year-old costs $818 per year with the option to include one unique coverage, rideshare insurance.
More About State Farm
Not all insurers provide rideshare insurance, which covers you from risks associated with working for a ridesharing company like Uber or Lyft. Fortunately, State Farm offers this rare add-on at an added cost of 15% to 25% to your premium. Rideshare insurance extends the benefits that are included in your personal auto policy, such as medical, emergency roadside assistance and rental car reimbursement, while you’re driving for a rideshare company.
Read MoneyGeek's State Farm auto Insurance Review2
Farmers
Score:78
Farmers is the most affordable car insurance provider in Denton with a full coverage policy costing $726 per year. The insurer also received high ratings for financial stability, customer satisfaction and claims. Several rare add-ons, such as original equipment manufacturer (OEM), custom parts and glass deductible modification coverages, are also available.
More About Farmers
In addition to unique coverages, such as new car replacement, accident forgiveness and rideshare insurance, Farmers also offers rarer coverages that help you save hundreds of dollars in repair and replacement costs. If your car is less than ten years old, Farmers’ OEM coverage covers the cost using factory-original parts for repairs. To cover aftermarket equipment upgrades, like infotainment systems and custom wheels, you can add Farmers’ custom parts optional coverage to the existing comprehensive and collision coverage. You can also reduce the comprehensive deductible to $100 if the covered loss is restricted to glass by purchasing a glass deductible modification coverage.
Read MoneyGeek's Farmers auto Insurance ReviewAverage Cost of Car Insurance by Postal Code
Auto insurance costs in Texas also depend on where a person lives. This is because of the differences in accident statistics, car theft incidents and the number of uninsured drivers in different postal codes.
In Denton, the cheapest neighborhood is ZIP code 76201. The average rate in the neighborhood is $1,148 per year. Meanwhile, the most expensive is 76210. Its average rate is $1,154, a $6 difference.
- Zip CodeState Minimumper year
- 76201$1,148
- 76210$1,154
Factors That Impact Insurance Costs in Denton
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Denton. How Denton ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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