Denton's average full coverage car insurance costs $136 per month. Rates range from $131 to $405, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
Denton, TX, Car Insurance
Updated: January 15, 2025
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Cheapest Car Insurance in Denton: Key Takeaways
State Farm, Texas Farm Bureau, Mercury and Progressive are the most affordable car insurance providers in Denton.
State Farm has the cheapest minimum coverage at $37 per month, while Texas Farm Bureau offers the most affordable full coverage at $77 per month.
On average, car insurance costs $67 monthly for minimum coverage and $136 for full coverage.
Car Insurance Quotes in Denton, TX
| Young Drivers | $88 | $178 |
| Teens | No Data | $405 |
| Seniors | $68 | $131 |
| Drivers With a Speeding Ticket | $79 | $163 |
| Drivers With a DUI | $102 | $199 |
| Drivers With An Accident | $112 | $221 |
| Bad Credit | $118 | $245 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Denton vs. State Average
Texas
State Average Full Coverage Rate
$1,695
Denton, TX
City Average Full Coverage Rate
$1,636More:$59 saved
This is 3% less expensive.
What Is the Average Car Insurance Rate in Denton?
In Denton, full coverage car insurance costs about $1,636 per year, while minimum coverage averages $800. These rates are lower than Texas' averages of $1,695 and $810, respectively.
| State Average | $810 | $1,695 |
| Denton Average | $800 | $1,636 |
Cheapest Car Insurance Companies in Denton
Even with rising premiums across Texas, you can find affordable car insurance in Denton. State Farm offers the cheapest minimum coverage at $37 per month. For full coverage, Texas Farm Bureau provides the best rate at $77 per month.
WHY CAR INSURANCE IN DENTON IS CHEAPER
Denton has lower rates compared to most cities its size due to its low crime rates and accident rates. This is caused by lower population density in the area, which often lowers the risk for insurers
Cheap Car Insurance in Denton
State Farm is often the cheapest car insurance provider, but rates vary by driver. The best way to find affordable car insurance is to compare quotes from different companies. Below is a table with the lowest rates for different driver profiles.
| State Farm | Minimum Coverage | $37 |
| Texas Farm Bureau | Full Coverage | $77 |
| State Farm | Teens | $194 |
| Texas Farm Bureau | Young Adults | $71 |
| Texas Farm Bureau | Seniors | $48 |
| Mercury | Bad Credit | $124 |
| Progressive | Drivers With a DUI | $87 |
| State Farm | Drivers With An Accident | $73 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $57 |
Car Insurance Rates in Denton by Company
To find affordable car insurance, compare rates from different companies. Below, we detail the cheapest minimum and full coverage plans in Denton.
Cheapest Car Insurance Companies for Minimum Coverage in Denton
State Farm and Texas Farm Bureau offer the cheapest minimum coverage auto insurance at $37 per month. Mercury follows closely at $38 monthly. Check the table below for a detailed breakdown of the most affordable options.
| State Farm | $37 | $29 |
| Texas Farm Bureau | $37 | $29 |
| Mercury | $38 | $29 |
| Progressive | $52 | $15 |
| National General | $54 | $12 |
| AAA Texas | $58 | $9 |
| Allstate | $60 | $7 |
Cheapest Car Insurance Companies for Full Coverage in Denton
Texas Farm Bureau offers the cheapest full coverage car insurance in Denton at $77 monthly. Below is the full list of providers to explore.
| AAA Texas | $113 | $23 |
| Allstate | $118 | $18 |
| GEICO | $120 | $16 |
| Mercury | $129 | $7 |
| National General | $108 | $28 |
| Progressive | $100 | $36 |
| State Farm | $79 | $57 |
| Texas Farm Bureau | $77 | $60 |
Car Insurance Companies in Denton
Texas Farm Bureau offers the cheapest car insurance in Killeen at $684 annually. Chubb is the best cheap provider, with a MoneyGeek score of 90 out of 100. Check the table below for more options.
| Chubb | 90 | $1,313 |
| Mercury | 76 | $1,002 |
| State Farm | 76 | $697 |
| Foremost | 74 | $1,645 |
| AAA Texas | 73 | $1,029 |
| Texas Farm Bureau | 73 | $684 |
| Progressive | 65 | $912 |
| Nationwide | 64 | $1,361 |
| GEICO | 63 | $1,125 |
| Allstate | 62 | $1,066 |
| National General | 52 | $977 |
| Dairyland | No Data | $2,808 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Denton by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,636 per year for 40-year-olds and $1,568 annually for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $3,180 | $-745 |
| 17 | $3,064 | $-629 |
| 18 | $2,674 | $-239 |
| 19 | $2,265 | $170 |
| 20 | $2,370 | $65 |
| 21 | $1,755 | $680 |
| 22 | $1,762 | $673 |
| 23 | $1,827 | $608 |
| 24 | $1,713 | $722 |
| 25 | $2,131 | $-291 |
| 40 | $1,636 | $205 |
| 65 | $1,568 | $273 |
Cheapest Car Insurance for Teens in Denton
Nationwide offers the cheapest overall car insurance for teens in Denton at $123 per month, saving $110 compared to the state average. The table below lists other affordable providers for this age group.
| Nationwide | $123 | $110 | $306 |
| State Farm | $146 | $87 | $194 |
| GEICO | $183 | $50 | $223 |
| Foremost | $248 | $-15 | $534 |
| Progressive | $279 | $-46 | $751 |
| Allstate | $419 | $-186 | $422 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Denton
State Farm offers the lowest minimum coverage rate at $46 per month for young drivers in Denton, while Texas Farm Bureau provides the most affordable full coverage at $94 per month. The table below highlights the cheapest options for various driver profiles.
| State Farm | Minimum Coverage | $46 |
| Texas Farm Bureau | Full Coverage | $94 |
| Texas Farm Bureau | Bad Credit | $156 |
| Progressive | Drivers With a DUI | $107 |
| State Farm | Drivers With An Accident | $90 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $71 |
Cheapest Car Insurance Companies for Young Drivers in Denton
Texas Farm Bureau offers the most affordable auto insurance for young drivers in Denton at $71 per month. The table below shows other companies with competitive rates.
| Texas Farm Bureau | $71 | $62 |
| State Farm | $74 | $59 |
| Progressive | $96 | $37 |
| National General | $104 | $28 |
| GEICO | $109 | $24 |
| AAA Texas | $110 | $23 |
| Mercury | $114 | $18 |
| Allstate | $116 | $17 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Denton
Texas Farm Bureau and Progressive offer Denton's most affordable car insurance options for seniors. Rates vary based on personal factors. The table below shows the cheapest providers for different driver and coverage profiles.
| Texas Farm Bureau | Minimum Coverage | $33 |
| Texas Farm Bureau | Full Coverage | $64 |
| Texas Farm Bureau | Bad Credit | $105 |
| Progressive | Drivers With a DUI | $91 |
| State Farm | Drivers With An Accident | $68 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $48 |
Cheapest Car Insurance Companies for Seniors in Denton
Texas Farm Bureau offers the cheapest monthly premium for seniors at $48 for both minimum and full coverage. State Farm follows closely with a $53 monthly rate. The table below shows top car insurance providers for seniors in Denton.
| Texas Farm Bureau | $48 | $51 |
| State Farm | $53 | $46 |
| Progressive | $77 | $22 |
| Allstate | $86 | $13 |
| AAA Texas | $87 | $12 |
| Mercury | $87 | $12 |
| National General | $89 | $10 |
| GEICO | $94 | $5 |
| Nationwide | $99 | $0 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Denton
In Denton, high-risk drivers pay less for minimum coverage and full coverage than the state average. Bad credit and DUIs significantly increase car insurance costs, while accidents and speeding tickets have a smaller impact.
| State Average | $1,190 | $2,417 |
| Denton Average | $1,175 | $2,333 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a speeding ticket, may affect your insurance for a few years. For serious offenses, such as a DUI, insurers take note for longer, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Denton
Mercury offers the cheapest minimum coverage for drivers with a DUI at $642 per year in Denton. Progressive provides the most affordable full coverage policy at $1,429 annually. Check out the table below to see more options for low-cost coverage.
| Progressive | $55 | $119 |
| National General | $69 | $129 |
| State Farm | $72 | $145 |
| Texas Farm Bureau | $85 | $153 |
| Mercury | $53 | $173 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Denton
State Farm, Texas Farm Bureau and Progressive offer the cheapest auto insurance after an at-fault accident in Denton. The table below shows various providers offering affordable coverage.
| State Farm | $48 | $98 |
| Texas Farm Bureau | $64 | $128 |
| AAA Texas | $87 | $164 |
| Progressive | $79 | $166 |
| Mercury | $81 | $258 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Denton
Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket in Denton, with rates of $37 for minimum coverage and $77 for full coverage. The table below shows how much other providers charge drivers with speeding tickets.
| Texas Farm Bureau | $37 | $77 |
| State Farm | $37 | $79 |
| Allstate | $60 | $118 |
| Progressive | $61 | $130 |
| Mercury | $55 | $184 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Denton
The most affordable rates for drivers with bad credit in Denton are from Mercury for minimum coverage at $53 per month and Texas Farm Bureau for full coverage at $171 per month. See the table below for other affordable options.
| Texas Farm Bureau | $80 | $171 |
| Progressive | $79 | $175 |
| Allstate | $89 | $179 |
| National General | $83 | $191 |
| Mercury | $53 | $195 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Denton, TX
In Texas, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
If you're in a car accident in Texas, this minimum coverage will help pay for injuries and damage up to these amounts, keeping you financially protected.
Cheap Car Insurance in Denton: Bottom Line
State Farm and Texas Farm Bureau offer the cheapest car insurance in Denton, with minimum coverage at just $37 a month. Texas Farm Bureau provides the cheapest full coverage at $77. Regardless of your age or credit, affordable options are available. Ensure your policy meets Texas requirements, including bodily injury and property damage liability. Compare providers to secure budget-friendly coverage that complies with state laws.
Denton Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Denton.
What is the cheapest car insurance company in Denton, TX?
State Farm offers the cheapest minimum coverage in Denton at an average monthly rate of $37, allowing savings of up to $29.
What is the best car insurance company in Denton, TX?
Chubb is the best car insurance provider in Denton, with a MoneyGeek score of 90 out of 100. The average annual premium for minimum coverage is $1,313.
How much does car insurance cost on average in Denton, TX?
In Denton, minimum coverage car insurance rates typically range from $68 to $118 a month.
Best Cheap Car Insurance in Denton: Our Methodology
MoneyGeek analyzed Denton auto insurance prices using data from the Texas Department of Insurance and Financial Services and Quadrant Information Services.
Denton Driver Profile
To assess the best and most affordable auto insurance options for Denton residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Denton
In assessing the car insurance quotes for Denton, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:
The minimum coverage requirements in Texas are:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Denton
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes from insurance companies in Killeen for the average driver of various ages who is driving a Toyota Camry with a clean record.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned 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 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.