Cheapest and Best Car Insurance Companies in Denton, TX


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ByMark Fitzpatrick
Edited byMorgan Hull
ByMark Fitzpatrick
Edited byMorgan Hull

Updated: May 20, 2024

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The cheapest company for you might vary based on your profile and needs. We found that State Farm offers the cheapest minimum and full coverage policies in Denton and also provides the most affordable policy for veterans and drivers with violations. Nationwide is the cheapest for teens on family policies, whereas Chubb has the best customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceDenton
2024

Cheapest and Best Car Insurance in Denton, TX

Why Trust MoneyGeek? Car insurance rates in Denton were obtained from the Texas Department of Insurance and Quadrant Information Services.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Liability Car Insurance in Denton

In Denton, the following insurance companies offer the cheapest minimum coverage policies:

  • State Farm: $335 per year
  • Allstate: $352 per year

Dairyland has the most expensive minimum coverage insurance policies at $1,027 per year. With an annual rate of $321, State Farm is also the most affordable auto insurance provider in Texas as of October 2022. Denton, however, is a little more expensive for car insurance than the cheapest insurer in the state.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$335Monthly Premium$28
AllstateAnnual Premium$352Monthly Premium$29
MercuryAnnual Premium$417Monthly Premium$35
Texas Farm BureauAnnual Premium$449Monthly Premium$37
AAA TexasAnnual Premium$504Monthly Premium$42
NationwideAnnual Premium$505Monthly Premium$42
GEICOAnnual Premium$563Monthly Premium$47
ProgressiveAnnual Premium$583Monthly Premium$49

In Texas, state law mandates that all drivers have minimum coverage insurance for bodily injury and property damage. The following limits are required:

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

Liability-only coverage pays for damages to other drivers — it will not cover the cost of damages to your vehicle. With a minimum coverage policy that includes the above liability limits, an insurer will cover medical expenses of up to $30,000 per person or $60,000 per accident.

Cheapest Full Coverage Car Insurance in Denton

The following insurers offer the cheapest full coverage car insurance in Denton:

  • State Farm: $665 per year
  • Allstate: $787 per year

Dairyland has the most expensive full coverage policies, averaging $2,029 per year. According to our analysis, State Farm also offers the cheapest full coverage policy in Texas, at $699 per year as of October 2022. This shows that full coverage car insurance in Denton with State Farm costs less.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$665Monthly Premium$55
AllstateAnnual Premium$787Monthly Premium$66
MercuryAnnual Premium$900Monthly Premium$75
Texas Farm BureauAnnual Premium$918Monthly Premium$77
GEICOAnnual Premium$975Monthly Premium$81
NationwideAnnual Premium$982Monthly Premium$82
AAA TexasAnnual Premium$986Monthly Premium$82
ChubbAnnual Premium$1,324Monthly Premium$110

A full coverage car insurance policy includes comprehensive and collision insurance.

  • Collision Insurance: Covers the cost of repairing or replacing your car if it's damaged from vandalism, theft or natural disasters.
  • Comprehensive Insurance: If you're at fault in an accident, this coverage pays for the repair or replacement of your car.

Full coverage car insurance is typically best for owners with new vehicles that want to safeguard their investment. If you have an older car, it may not be worth the added cost.

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Cheapest Car Insurance in Denton After a Driving Offense

If you have the following driving violations, MoneyGeek recommends these companies:

  • Speeding ticket: State Farm ($665 per year)
  • At-fault accident: State Farm ($829 per year)
  • DUI: State Farm ($1,225 per year)

Among the most expensive companies include Dairyland, which charges $2,476 per year for speeding tickets, Chubb, which charges $2,593 per year for DUIs and Foremost, which charges $3,136 for at-fault accidents.

A traffic violation can skyrocket your insurance rates, which may make even the cheapest policy for drivers with bad records more expensive than the most affordable policy for drivers with good records.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$665Monthly Premium$55
AllstateAnnual Premium$787Monthly Premium$66
Texas Farm BureauAnnual Premium$918Monthly Premium$77
GEICOAnnual Premium$1,134Monthly Premium$94
NationwideAnnual Premium$1,140Monthly Premium$95
MercuryAnnual Premium$1,292Monthly Premium$108
AAA TexasAnnual Premium$1,300Monthly Premium$108
ChubbAnnual Premium$1,431Monthly Premium$119

When you have more serious violations on your record, your insurance rates go up. A DUI driver will pay $297 more on average for a policy than someone with a speeding ticket. Getting cheap car insurance for drivers with a bad record means shopping around and comparing rates.

Cheapest Car Insurance in Denton for Teens and Their Families

The following insurers offer the most affordable rates for 16-year-old teens on a family policy:

  • Nationwide: $1,412 per year for female teens; $1,610 for male teens
  • State Farm: $1,716 per year for female teens; $2,075 for male teens

Allstate has the most expensive policy, costing an average of $5,833 for female teens and $6,864 per year for male teens. Insurers typically charge male teens more since they’re considered riskier to insure. However, this cost difference decreases in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,412Individual Plan Monthly Premium$5,795
State FarmFamily Plan Annual Premium$1,716Individual Plan Monthly Premium$8,026
GEICOFamily Plan Annual Premium$2,341Individual Plan Monthly Premium$7,504
ForemostFamily Plan Annual Premium$3,201Individual Plan Monthly Premium$13,476
ProgressiveFamily Plan Annual Premium$3,473Individual Plan Monthly Premium$16,216
AllstateFamily Plan Annual Premium$5,833Individual Plan Monthly Premium$10,877

Purchasing an individual policy as a teen driver is significantly more expensive than joining a family policy. In Denton, a 16-year-old male teen might pay an average of $3,267 more for an individual policy than a family policy. When you're a young driver, shopping around is key to finding the cheapest insurance for teens.

Cheapest Car Insurance in Denton for Military Drivers

These companies offer the cheapest rates to veterans and drivers with military backgrounds:

  • State Farm: $665 per year
  • Allstate: $787 per year

Although USAA doesn’t provide the cheapest insurance for military drivers, its policies are tailored to military-affiliated drivers and their families. On average, it costs $840 per year.

As far as minimum coverage goes, State Farm is the most affordable at $335 per year. Another great option is Allstate, which charges an average of $352 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$665Monthly Premium$55
AllstateAnnual Premium$787Monthly Premium$66
USAAAnnual Premium$840Monthly Premium$70
MercuryAnnual Premium$900Monthly Premium$75
Texas Farm BureauAnnual Premium$918Monthly Premium$77
GEICOAnnual Premium$975Monthly Premium$81
NationwideAnnual Premium$982Monthly Premium$82
AAA TexasAnnual Premium$986Monthly Premium$82

How to Compare Cheap Denton Car Insurance Quotes Online

It might take 15 minutes or more to obtain a car insurance quote online. When obtaining quotes from multiple providers, this can add up.

You can save time and effort with MoneyGeek's car insurance calculator. Simply provide your age, car type, coverage level and driving record and we’ll provide you with an estimate.

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Rates updated:

Jun 17, 2024

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Best Car Insurance in Denton: Summary

The best car insurance company in Denton for you will depend on how much you value factors like cost, service quality and more.

The following companies are the best options for car insurance in Denton:

  • Best Overall: State Farm (MoneyGeek score of 76 out of 100)
  • Best Cheap: State Farm (MoneyGeek score of 78 out of 100)
  • Best for Service: Chubb (MoneyGeek score of 76 out of 100)

A company’s score varied across categories based on the specific factors weighted. USAA, receiving a MoneyGeek score of 81 out of 100, is also a solid option for military-affiliated drivers looking for a full coverage policy.

A company’s score varied across categories based on the specific factors weighted. While State Farm is the best provider in Denton, Texas Farm Bureau offers the best car insurance in Texas. This shows how rates can vary based on location.

Best Overall Car Insurance in Denton

The following companies offer the best full coverage policies in Denton:

  • State Farm: MoneyGeek score of 76 out of 100 ($665 per year)
  • Texas Farm Bureau Group: MoneyGeek score of 75 out of 100 ($918 per year)

Of the insurers we evaluated, State Farm offers the cheapest rates and provides relatively quality customer service.

If you're in the military, USAA is also a great auto insurance company. The company has a MoneyGeek score of 81 out of 100 and offers the third-cheapest rates in Denton — $840 per year.

How was this MoneyGeek score calculated?

State Farm

pros

checkmark

Has the cheapest rates at $665 per year

checkmark

Has an above-average score for customer satisfaction

checkmark

Provides roadside assistance and rental car and/or travel reimbursement coverage

cons

close

Has a below-average score for coverage and claims management

COMPANY HIGHLIGHTS

State Farm stands out among competitors due to its affordable premiums and sound customer service reputation.

While the insurer offers few coverage options, the available ones are extremely useful, like roadside assistance and rental car and/or travel reimbursement coverage. Roadside assistance provides help if you've been in an accident, offering services for towing, mechanical labor, locksmith work, gas deliveries and more. If you get in an accident with your car, rental car and/or travel reimbursement coverage pays for your car rental or travel expenses up to set limits.

Because State Farm has a relatively high customer service rating, you can rest assured knowing that your complaints will be listened to and addressed in a timely manner. This can be extremely helpful, especially after a stressful event, like a car accident or mechanical failure.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Denton for Customer Service

If you value customer service above cost, the following insurers are your best option in Denton:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,324 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($1,394 per year)

Chubb has one of the highest scores for customer service and claims management, earning our top spot as the best insurer for customer service. Chubb is more expensive than the majority of insurers in our analysis.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Has the highest claims management rating among the 12 insurers in our comparison group

checkmark

Has a relatively high score for customer satisfaction

checkmark

Offers original equipment manufacturer (OEM) and diminished value coverage

cons

close

Offers few coverage options

close

Has higher premiums than its competitors

COMPANY HIGHLIGHTS

In addition to providing rare coverage options, Chubb is known for its excellent claims management and customer service ratings. While more expensive than other insurers, Chubb offers several unique coverage options.

Chubb offers OEM and diminished value coverage, two options rarely available from other insurers. If you are involved in an accident, OEM coverage will pay to replace any damaged parts with OEM parts. Diminished value coverage provides you with a check for the predetermined value of your car if it’s stolen or totaled. This agreed-upon amount is determined when you sign up for a policy.

The insurer’s high score for claims management — the highest among the insurers we evaluated — is a testament to its ability to consistently fulfill claims. Data from J.D. Power also indicates that the insurer provides quality customer satisfaction.

Best Cheap Car Insurance in Denton

Based on a comparison of the costs and service quality of various insurance companies, MoneyGeek determined that the following companies stand out from the rest:

  • State Farm: MoneyGeek score of 78 out of 100 ($335 per year)
  • Texas Farm Bureau Group: MoneyGeek score of 75 out of 100 ($449 per year)

While Denton's minimum coverage policies cost less, they don't cover any liability expenses or vehicle losses in the case of an accident.

How was this MoneyGeek score calculated?

State Farm

pros

checkmark

Has the cheapest rates at $335 per year

checkmark

Offers bundling, defensive driving and daytime running lights discount

checkmark

Has a relatively high customer satisfaction score

cons

close

Ranks poorly for coverage options and claims management

COMPANY HIGHLIGHTS

Among the 12 insurers we evaluated in Denton, State Farm has the cheapest rates. The insurer also has a relatively high customer satisfaction rating and provides numerous discount opportunities.

Several discounts are available through the company, including discounts for bundling insurance policies, completing a defensive driving course and installing anti-lock brakes. State Farm also offers some rare discounts, such as a discount if you have factory-installed daytime running lights.

Roadside assistance and rental car and/or travel reimbursement coverage are available with State Farm. These coverages, while commonly offered by other insurers, are extremely useful during emergency situations. With roadside assistance, drivers can receive coverage up to a specified limited for towing, lockout, gas delivery or flat tire changing services. Rental car and/or travel reimbursement coverage helps cover transportation costs (rental car, rideshare services, etc.) if your car is damaged in an at-fault accident.

Read MoneyGeek's State Farm Auto Insurance Review

Average Cost of Car Insurance in Denton

In Denton, the average cost of car insurance is $1,132 a year, which is $69 cheaper than the average cost of car insurance in Texas. Car insurance rates in Denton and Texas are cheaper than the national average cost of car insurance — $1,265 as of October 2022. This shows that insurance rates vary based on where you live.

These rates are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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 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.