Cheap Full Coverage Car Insurance in Texas

State Farm offers the cheapest full coverage car insurance in Texas at $95 per month, 40% below the Texas state average of $157 per month for a clean-record adult driver with good credit. Compare all providers to find your best rate.

Written by Mark Fitzpatrick

Updated: April 1, 2026

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Key Takeaways

State Farm offers the cheapest full coverage car insurance in Texas at $95 per month ($1,135 per year) for an adult male driver with a clean record and good credit, 40% below the Texas state average of $157 per month.

$157 per month ($1,880 per year) is the Texas state average for 100/300/100 full coverage with a $1,000 deductible for an adult male driver with a clean record and good credit.

Poor credit adds $2,563 per year to the Texas state average, more than seven times the $350 average surcharge from a speeding ticket and approximately three times the $867 DUI surcharge, making it the single largest rate driver on this page outside of coverage level.

Cheapest Full Coverage Car Insurance Companies in Texas

State Farm is the cheapest full coverage car insurance provider in Texas at $95 per month ($1,135 per year), 40% below the $157 per month state average for a clean-record adult driver with good credit. The $1,788 annual gap between State Farm and Dairyland for identical coverage on the same driver shows why comparing providers matters. Full coverage is typically required by lenders on financed vehicles.

The table below ranks Texas providers by monthly and annual premiums for 100/300/100 coverage with a $1,000 deductible. Compare cheapest car insurance in Texas across all coverage tiers or review best car insurance in Texas for readers not solely price-driven.


State Farm	$95	$1,135
GEICO	$113	$1,358
AAA	$126	$1,514
Mercury Insurance	$129	$1,542
Germania Insurance	$137	$1,650
Progressive	$147	$1,758
Chubb	$169	$2,023
Farmers	$200	$2,401
Allstate	$208	$2,497
Dairyland	$244	$2,923

The difference between the chepest and most expensive insurer reaches $1,788 per year for the same driver profile. Compare car insurance to find your best rate, or review cheap liability car insurance if you're considering dropping to liability-only.

Cheap Full Coverage Car Insurance in Texas by Age

Age is one of the strongest rate factors for full coverage in Texas. Young drivers pay $4,106 per year on average, more than double the $1,880 adult average. Senior drivers pay $2,184 per year on average. The sections below rank providers for young and senior drivers separately. Car insurance rates by age covers the full multi-age breakdown.

Cheapest Full Coverage for Young Drivers in Texas

GEICO is the cheapest full coverage provider for teen drivers in Texas at $204 per month ($2,442 per year) which is a far different result than the one for adult drivers. Young drivers pay $4,106 per year on average for full coverage in Texas. The within-table spread is $2,782 per year, from GEICO at $2,442 to Progressive at $5,224.

Provider	Monthly Premium	Annual Premium
GEICO	$204	$2,442
State Farm	$210	$2,519
Germania Insurance	$260	$3,117
AAA	$285	$3,416
Allstate	$362	$4,341
Mercury Insurance	$409	$4,904
Dairyland	$412	$4,943
Chubb	$418	$5,019
Farmers	$428	$5,137
Progressive	$435	$5,224

Cheapest Full Coverage for Senior Drivers in Texas

State Farm is the cheapest full coverage provider for senior drivers in Texas at $106 per month ($1,266 per year), reclaiming the top spot from GEICO. Senior drivers in Texas pay $2,184 per year on average for full coverage. Rates rise above the adult average due to physical risk factors that become more pronounced after age 70.

Provider	Monthly Premium	Annual Premium
State Farm	$106	$1,266
GEICO	$134	$1,604
Germania Insurance	$143	$1,710
AAA	$163	$1,951
Progressive	$179	$2,151
Mercury Insurance	$187	$2,241
Chubb	$203	$2,435
Farmers	$209	$2,510
Allstate	$232	$2,788
Dairyland	$265	$3,180

Cheap Full Coverage Car Insurance in Texas for High-Risk Drivers

Driving violations raise full coverage rates in Texas by measurable and lasting amounts. A speeding ticket adds $350 per year to the Texas state average, an at-fault accident adds $717 per year, and a DUI adds $867 per year. The spread across providers grows with violation severity. Texas requires SR-22 filing after certain violations, including DUI.

High-risk car insurance in Texas covers options for drivers with violations.

Cheapest Full Coverage in Texas With a Speeding Ticket

State Farm is the cheapest full coverage provider in Texas for drivers with a speeding ticket at $95 per month ($1,135 per year). That matches its clean-record rate, meaning State Farm applies no surcharge for this violation. The most expensive option is Dairyland at $3,850 per year.

Provider	Monthly Premium	Annual Premium
State Farm	$95	$1,135
GEICO	$133	$1,599
Germania Insurance	$137	$1,650
AAA	$163	$1,950
Mercury Insurance	$177	$2,125
Chubb	$179	$2,151
Progressive	$193	$2,312
Allstate	$208	$2,497
Farmers	$253	$3,036
Dairyland	$321	$3,850

Cheapest Full Coverage in Texas After an At-Fault Accident

State Farm is the cheapest full coverage provider in Texas after an at-fault accident at $109 per month ($1,305 per year). The Texas state average surcharge for an at-fault accident is $717 per year, more than double the speeding ticket surcharge. Most Texas providers apply this surcharge for three to five years.

How much rates go up after an accident depends on t he severity of the accident and the insurer you chose.

Provider	Monthly Premium	Annual Premium
State Farm	$109	$1,305
Germania Insurance	$139	$1,674
GEICO	$156	$1,876
AAA	$178	$2,140
Farmers	$209	$2,504
Progressive	$223	$2,674
Mercury Insurance	$242	$2,908
Chubb	$252	$3,025
Allstate	$308	$3,701
Dairyland	$347	$4,169

Cheapest Full Coverage in Texas After a DUI

State Farm is the cheapest full coverage provider in Texas after a DUI at $144 per month ($1,725 per year). The Texas state average surcharge for a DUI is $867 per year. Texas requires SR-22 filing after a DUI conviction, so drivers should confirm this requirement with their provider before a policy lapses. The most expensive option after a DUI is Chubb at $3,936 per year.

MoneyGeek's analysis of Texas DUI car insurance and SR-22 car insurance in Texas cover requirements after this violation.

Provider	Monthly Premium	Annual Premium
State Farm	$144	$1,725
Mercury Insurance	$169	$2,026
Progressive	$170	$2,045
AAA	$188	$2,256
GEICO	$189	$2,265
Farmers	$229	$2,754
Dairyland	$273	$3,276
Germania Insurance	$279	$3,351
Allstate	$320	$3,834
Chubb	$328	$3,936

Cheap Full Coverage Car Insurance in Texas With Poor Credit

Poor credit adds $2,563 per year to the Texas full coverage average, pushing it from $1,880 to $4,443 per year. That surcharge is approximately three times the $867 DUI surcharge, making credit score the single largest rate driver on this page outside of coverage level. GEICO is the cheapest full coverage provider in Texas with poor credit at $189 per month ($2,264 per year).

Provider affordability reverses completely between good and poor credit. State Farm is cheapest with good credit at $1,135 per year but most expensive with poor credit at $7,345 per year, a $6,210 swing for the same driver at the same company. AAA charges $10,702 per year for drivers with poor credit, the highest rate on this page. Texas does not restrict credit-based insurance pricing, so drivers with credit challenges should re-quote across all providers.

MoneyGeek's analysis of car insurance with bad credit covers strategies to lower premiums with credit challenges.

Cheapest Full Coverage in Texas With Poor Credit

Provider	Monthly Premium	Annual Premium
GEICO	$189	$2,264
Germania Insurance	$240	$2,884
Chubb	$263	$3,152
Allstate	$282	$3,385
Progressive	$291	$3,494
Mercury Insurance	$302	$3,619
Dairyland	$312	$3,747
Farmers	$320	$3,835
State Farm	$612	$7,345
AAA	$892	$10,702

MONEYGEEK EXPERT TIP

Texas does not restrict credit-based insurance pricing. The provider ranking reverses completely between good and poor credit: State Farm is cheapest with good credit ($1,135/yr) but most expensive with poor credit ($7,345/yr). Drivers with credit challenges should re-quote across all providers rather than assuming their current insurer offers the best rate.

How to Find Cheap Full Coverage Car Insurance in Texas

The $1,788 annual gap between State Farm and Dairyland for identical coverage on the same Texas driver is larger than what any single discount saves. The five steps below prioritize actions that produce the largest savings.

1
Compare Quotes From at Least Three Providers
Getting three or more quotes takes about 15 minutes and has a specific dollar payoff. State Farm costs $1,135 per year while Dairyland costs $2,923 per year for the same Texas driver and the same coverage. That $1,788 gap is larger than what any single discount delivers. Cheapest full coverage car insurance covers comparison strategies.
2
Protect Your Driving Record and Monitor Your Credit
A DUI adds $867 per year, an at-fault accident adds $717 per year, and a speeding ticket adds $350 per year. Each surcharge persists for three to five years. Poor credit adds $2,563 per year and can be addressed without waiting for a violation to age off. Why car insurance rates go up covers rate factors.
3
Raise Your Deductible to Reduce Your Premium
The tables on this page use a $1,000 deductible. Raising it to $1,500 to $2,000 typically trims the annual premium 10% to 15% at most Texas providers. Against the $1,880 Texas average, a 12% reduction saves roughly $226 per year. A higher deductible means more out of pocket at claim time. How to choose a car insurance deductible covers the tradeoffs.
4
Stack Discounts on Top of the Cheapest Provider You Qualify For
Switching to the cheapest provider saves $1,788 per year for this page's baseline Texas driver. A 10% discount on the most expensive provider saves only $292 per year. Prioritize finding the right base provider first, then layer discounts such as low mileage, bundling and paying in full. Car insurance discounts covers available options.
5
Confirm Full Coverage Is Right for Your Vehicle and Loan
Full coverage is required by most lenders on financed vehicles. Dropping to liability-only typically violates the loan agreement and triggers force-placed insurance that costs more. Once a car is paid off, compare the annual full coverage premium against the vehicle's actual cash value to decide whether keeping it makes financial sense. How much car insurance you need and low income car insurance in Texas cover coverage decisions.

Frequently Asked Questions About Cheap Full Coverage Car Insurance in Texas

What is the cheapest full coverage car insurance in Texas?

State Farm is the cheapest at $95 per month ($1,135 per year) for an adult male with a clean record and good credit. Dairyland is the most expensive at $244 per month ($2,923 per year) for the same profile, a $1,788 annual gap for identical coverage. Comparing providers is the fastest way to close that gap without changing your coverage level.

How much does full coverage car insurance cost in Texas?

The Texas average is $157 per month ($1,880 per year) for 100/300/100 coverage with a $1,000 deductible for an adult male with a clean record and good credit. Rates vary by age: young drivers average $4,106 per year and senior drivers average $2,184 per year for the same coverage. Credit score and driving record produce additional variation on top of those age-based differences.

Does a DUI affect full coverage rates in Texas?

Yes. A DUI adds $867 per year on average to Texas full coverage rates, pushing the state average from $1,880 to $2,747 per year. Texas also requires an SR-22 certificate after a DUI conviction. The within-provider spread after a DUI reaches $2,211 per year, from State Farm at $1,725 to Chubb at $3,936, so shopping providers after this violation is especially high-value. Review Texas DUI car insurance and high-risk car insurance in Texas for full options.

How MoneyGeek Calculated Cheap Full Coverage Car Insurance Rates in Texas

MoneyGeek sourced full coverage car insurance rates from Quadrant Information Services for Texas using a baseline profile: 40-year-old male driver with good credit and a clean driving record. Coverage limits are 100/300/100 with a $1,000 deductible. Rates are averages across ZIP codes in Texas and reflect data as of Nov. 20, 2025. Individual quotes will vary based on ZIP code, vehicle, and personal factors. USAA is excluded from all tables per site-wide policy.

Rates reflect data collected on Nov. 20, 2025. Rate tables adjust baseline variables — age group, credit score, driving record — to show how premiums change. All rate comparisons use the same coverage limits and deductible to isolate the impact of each variable.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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