Cheap Liability Car Insurance in Texas

State Farm offers the cheapest liability car insurance in Texas at $41 per month ($489 per year), 41% below the state average of $69 per month for adult drivers with clean records and good credit. The table below shows all 10 providers available for this profile in Texas, sorted from cheapest to most expensive. The $600 per year gap between State Farm and Chubb for identical coverage on the same driver profile demonstrates how significantly rates vary across providers.

Liability-only coverage meets Texas's 30/60/25 minimum requirements but doesn't cover the driver's own vehicle damage or medical costs after an at-fault accident. Drivers who need protection for their own vehicle should compare cheapest full coverage car insurance options, while those looking to compare multiple coverage tiers can review cheapest car insurance in Texas rates across all available levels.

Age is one of the largest rate variables for Texas liability car insurance, with young drivers paying an average of $1,557 per year compared to the $825 per year adult baseline and senior drivers paying an average of $1,047 per year. These rate differences reflect actuarial data showing higher crash frequency and severity for drivers under 25 and physical risk factors that emerge after age 70. Drivers comparing car insurance rates by age across all age groups will see similar patterns in other states.

State Farm offers the cheapest liability car insurance for young drivers in Texas at $92 per month ($1,101 per year). Young drivers under 25 pay elevated rates because actuarial data shows they have more frequent accidents than adult drivers with equivalent driving records. Parents adding a teen driver to their policy should compare cheap car insurance for teen drivers options across multiple providers before selecting coverage.

State Farm offers the cheapest liability car insurance for senior drivers in Texas at $47 per month ($567 per year). Senior rates run above the adult average because actuarial data shows increased physical risk factors after age 70, including slower reaction times and higher injury severity rates in crashes, which offset the benefit of decades of driving experience.

Texas liability rates follow a three-tier cost ladder for drivers with violations: speeding tickets add an average of $147 per year over clean-record rates, at-fault accidents add $338 per year, and DUI convictions add $462 per year. Surcharges vary significantly across providers — the spread within the DUI table alone exceeds $1,300 per year — making comparison especially important after a violation. Texas requires drivers convicted of DUI to file an SR-22 car insurance in Texas form, which proves continuous coverage to the state. Drivers researching options after any major violation should review high-risk car insurance in Texas rates across all available providers.

State Farm offers the cheapest liability car insurance in Texas after a speeding ticket at $41 per month ($489 per year), identical to its clean-record rate, meaning it applies no surcharge for this violation tier. The $147 per year average increase across all providers is the smallest of the three violation types tracked on this page.

State Farm offers the cheapest liability car insurance in Texas after an at-fault accident at $48 per month ($576 per year). The $338 per year average increase is more than double the speeding ticket surcharge. Drivers researching how much rates go up after an accident will find that most Texas providers apply this surcharge for three to five years following the accident date.

State Farm offers the cheapest liability car insurance in Texas after a DUI at $66 per month ($791 per year). The $1,300 per year spread within this table — Chubb reaches $2,091 per year while State Farm stays under $800 for the same violation — demonstrates how significantly DUI surcharges vary across providers. Drivers convicted of DUI in Texas must research Texas DUI car insurance requirements, including the SR-22 filing that proves continuous coverage to the state.

Poor credit adds $1,067 per year to Texas liability car insurance rates, more than twice the $462 per year DUI surcharge, making credit score the biggest single rate factor on this page for drivers who aren't changing coverage levels. The average rate with good credit is $825 per year compared to $1,891 per year with poor credit, demonstrating how significantly credit-based pricing affects Texas auto insurance costs.

GEICO offers the cheapest liability car insurance for Texas drivers with poor credit at $80 per month ($957 per year), just above the good-credit state average. State Farm, which offers the cheapest rate with good credit at $489 per year, charges the most with poor credit at $3,252 per year — a ranking flip that shows why drivers with credit challenges should compare car insurance with bad credit rates across all available providers rather than assume their current insurer offers the best rate.

Need only the minimum? Compare cheap liability-only car insurance in Texas rates from top providers in your state.