Cheapest and Best Car Insurance Companies in Denton, TX

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.