Cheap Liability Car Insurance in Texas

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

Liability-only coverage meets Texas's 30/60/25 minimum requirements but won't cover your own vehicle damage or medical bills after an at-fault accident. Drivers who want protection for their own car can compare full coverage options, or review Texas rates across all coverage tiers.

Age is the largest rate variable after driving history for Texas liability insurance. Young drivers average $1,557 a year, nearly double the $825 baseline for adults. Rates drop as drivers age, though seniors still pay about $825 more per year than middle-aged adults, averaging $1,047.

Insurers charge younger drivers higher premiums because crash rates are higher among those under 25. Drivers over 70 see modest increases tied to physical risk factors that raise claim likelihood at older ages. Rates by age group follow a similar curve in most 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 a month ($567 a year). That's $78 a year more than what the same insurer charges adult drivers, a gap that reflects the higher claim costs insurers see for drivers over 70.

Texas liability rates follow a clear cost ladder by violation type: a speeding ticket adds $147 a year over clean-record rates, an at-fault accident adds $338 and a DUI adds $462. Those are averages. Within the DUI tier alone, rates spread more than $1,300 a year depending on the insurer, so shopping around matters more after a violation than at any other time.

Drivers convicted of DUI in Texas must also file an SR-22 form with the state to prove continuous coverage. Rates vary by insurer, so it's worth comparing high-risk options if you have a DUI or at-fault accident on your record.

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 a month ($791 a year). Chubb charges $2,091 a year for the same violation, a $1,300 gap on identical coverage that makes provider choice the biggest cost lever after a DUI. 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 more to Texas liability rates than any other factor on this page, $1,067 a year, which exceeds the DUI surcharge by more than $600. Drivers with poor credit pay $1,891 a year on average versus $825 with good credit.

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 rates in Texas from top providers in your state.