Cheapest Car Insurance in Texas


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Key Takeaways

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State Farm, GEICO and Mercury are the cheapest car insurance companies for Texas drivers, with average savings of up to 41% compared to other insurers.

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The cheapest car insurance rates start at $32 monthly for minimum coverage policies and $74 for full coverage on average.

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The cheapest car insurance in Texas will vary based on your driver profile. Research average costs, top auto insurance companies, take advantage of discounts, and compare multiple provider quotes.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Who Has the Cheapest Car Insurance in Texas?

State Farm offers the cheapest minimum liability and full coverage in Texas, with average monthly rates of $41 and $93, respectively. This saves you an average of 41% ($47 monthly).  We recommend getting quotes from other affordable providers, including GEICO, Mercury, AAA and Germania.

State Farm$41$93-41%$-47
GEICO$54$112-27%$-31
Mercury$54$133-18%$-21
AAA$63$126-17%$-20
Germania$72$143-6%$-7

*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.

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$192
High
$139
Average
$87
Low

Rates updated:

Aug 30, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
Capital Insurance Group

Capital Insurance Group

94
/of 100
$87
2
GEICO

GEICO

82
/of 100
$109
3
83
/of 100
$118
4
83
/of 100
$129
5
Progressive

Progressive

79
/of 100
$133
6
77
/of 100
$151
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Best Car Insurance Rates by Category in Texas

State Farm is the cheapest auto insurance for most driver categories in Texas, offering the lowest rates for adult drivers ($41 monthly), senior drivers ($47), drivers with accidents ($49), drivers with DUIs ($67), drivers with speeding tickets ($41) and drivers with older cars ($38). This makes State Farm the go-to choice for standard-risk drivers and those with driving violations in Texas.

GEICO is the cheapest  option for higher-risk profiles. They have the the most affordable coverage for young drivers at $96 monthly. GEICO also provides the cheapest options for drivers with bad credit ($78), low-income drivers ($52) and those with newer vehicles ($59). Below, you can review rates for your specific driver profile.

Young DriversGEICO$96
Adult DriversState Farm$41
Senior DriversState Farm$47
Drivers With an AccidentState Farm$49
Drivers With a DUIState Farm$67
Drivers With a Speeding TicketState Farm$41
Drivers With Bad CreditGEICO$78
Drivers With Low IncomeGEICO$52
Drivers With Newer CarsGEICO$59
Drivers With Old CarsState Farm$38

*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

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LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN TEXAS

Compare the Cheapest Car Insurance in Texas for You

While the tables above highlight overall winners in categories, the cheapest car insurance provider in Texas for you may be more nuanced than that. For instance, adult drivers with below-fair credit and an accident record looking for a 100/300/100 full coverage plan with a $1,000 deductible can get the lowest rates from Germania. Below is a filterable table you can change for your specific profile and get recommendations that fit as closely as possible.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:Clean
State Farm$95$1,135-40%$-745
Geico$113$1,358-28%$-522
Mercury Insurance$129$1,542-18%$-338
AAA$126$1,514-19%$-366
Germania Insurance$137$1,650-12%$-230

*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Cheapest Car Insurance in Texas by City

In Texas, the lowest rates for you and the cheapest provider can vary widely depending on your city due to location-specific crime, accident and population density. For example, the lowest monthly cost for auto insurance is $32 in Wink but the cheapest monthly rates in Dallas and Houston are $51 per month from State Farm.

See how rates compare in your area — the table highlights the cheapest provider in every Texas city.

Data filtered by:Results filtered by:
Select
City:
HoustonState Farm$51-45%$-67
San AntonioState Farm$47-42%$-56
DallasState Farm$51-43%$-65
AustinState Farm$42-42%$-51
Fort WorthState Farm$44-41%$-51
El PasoState Farm$45-35%$-41
ArlingtonState Farm$49-41%$-55
Corpus ChristiState Farm$45-42%$-52
PlanoState Farm$48-45%$-61
LaredoState Farm$50-35%$-46
LubbockState Farm$40-44%$-52
GarlandState Farm$58-41%$-64
IrvingState Farm$50-43%$-62
FriscoState Farm$48-44%$-59
AmarilloState Farm$42-42%$-50
McKinneyState Farm$41-42%$-50
Grand PrairieState Farm$57-42%$-64
BrownsvilleState Farm$48-40%$-53
KilleenState Farm$41-42%$-49
PasadenaState Farm$52-43%$-64
MesquiteState Farm$64-41%$-67
McAllenState Farm$45-45%$-62
DentonState Farm$39-41%$-46
WacoState Farm$39-41%$-44
MidlandState Farm$39-43%$-48
CarrolltonState Farm$55-44%$-66
Round RockState Farm$48-44%$-59
PearlandState Farm$47-48%$-68
AbileneState Farm$37-42%$-44
College StationState Farm$44-43%$-54
RichardsonState Farm$59-43%$-67
OdessaState Farm$43-41%$-50
LewisvilleState Farm$50-46%$-65
TylerState Farm$42-43%$-53
AllenState Farm$58-44%$-68
League CityState Farm$40-43%$-51
Sugar LandState Farm$53-47%$-74
EdinburgState Farm$46-45%$-63
MissionState Farm$46-43%$-58
LongviewState Farm$41-39%$-44
BryanState Farm$36-43%$-44
PharrState Farm$45-44%$-59
BaytownState Farm$45-41%$-53
Missouri CityState Farm$42-47%$-61
TempleState Farm$35-40%$-39
Flower MoundState Farm$38-43%$-48
HarlingenState Farm$41-41%$-49
New BraunfelsState Farm$38-44%$-49
ConroeState Farm$41-42%$-50
Cedar ParkState Farm$39-43%$-48
AbbottState Farm$35-37%$-35
AbernathyState Farm$36-41%$-41
AceState Farm$40-40%$-45
AckerlyState Farm$35-38%$-36
AddisonState Farm$45-43%$-57
AdkinsState Farm$40-41%$-46
AdrianState Farm$35-40%$-38
AftonState Farm$35-36%$-33
Agua DulceState Farm$42-38%$-43
AikenState Farm$35-35%$-32
AlamoState Farm$46-44%$-59
AlanreedState Farm$36-38%$-37
AlbaState Farm$37-41%$-43
AlbanyGeico$39-33%$-29
AlbertState Farm$38-38%$-38
AledoState Farm$37-43%$-46
AliceState Farm$37-47%$-56
AliefState Farm$47-45%$-62
AlleytonState Farm$37-36%$-35
AllisonState Farm$35-37%$-34
AlpineState Farm$33-36%$-31
AltairState Farm$36-41%$-42
AltoState Farm$45-35%$-44
AlvaradoState Farm$38-43%$-47
AlvinState Farm$38-47%$-56
AlvordState Farm$37-39%$-40
AmherstState Farm$36-38%$-36
AnahuacState Farm$42-39%$-45
AndersonState Farm$41-32%$-33
AndrewsState Farm$32-41%$-38
AngletonState Farm$36-46%$-50
AnnaState Farm$41-40%$-47
AnnonaState Farm$40-34%$-34
AnsonState Farm$35-36%$-33
AnthonyState Farm$42-34%$-36
AntonState Farm$35-40%$-40
Apple SpringsState Farm$42-33%$-34
AquillaState Farm$36-38%$-36
Aransas PassState Farm$35-44%$-45
Archer CityState Farm$37-35%$-33
ArgyleState Farm$53-45%$-65
ArmstrongState Farm$41-36%$-39
ArpState Farm$41-38%$-42
ArtState Farm$38-34%$-33
Artesia WellsState Farm$38-38%$-39
Arthur CityState Farm$40-34%$-34
AshertonState Farm$37-39%$-39
AspermontState Farm$37-32%$-29
AtascocitaState Farm$46-43%$-57
AtascosaState Farm$46-37%$-46
AthensState Farm$39-37%$-38
AtlantaState Farm$40-36%$-38
AubreyState Farm$54-45%$-68
AustwellState Farm$36-39%$-39
AvalonState Farm$39-41%$-46
AveryState Farm$40-33%$-34
AvingerState Farm$41-35%$-37
AvocaState Farm$35-36%$-32
AxtellState Farm$37-37%$-36
AzleState Farm$37-43%$-46
BacliffState Farm$41-45%$-56
BagwellState Farm$42-30%$-30
BaileyState Farm$38-37%$-38
BairdState Farm$36-32%$-28
Balch SpringsState Farm$50-41%$-57
BallingerState Farm$37-32%$-28
BalmorheaState Farm$34-37%$-34
BanderaState Farm$40-37%$-40
BangsState Farm$36-34%$-32
BardwellState Farm$39-42%$-48
BarkerState Farm$47-40%$-51
BarksdaleState Farm$39-35%$-35
BarnhartState Farm$33-39%$-35
BarryState Farm$37-37%$-35
BarstowState Farm$32-41%$-37
BartlettState Farm$36-41%$-42
BastropState Farm$41-37%$-40
BatesvilleState Farm$37-38%$-39
BatsonState Farm$43-39%$-45
Bay CityState Farm$38-40%$-43
BaysideState Farm$36-40%$-41
BeasleyState Farm$40-40%$-46
BeaumontState Farm$51-40%$-56
BebeState Farm$40-33%$-33
BeckvilleState Farm$40-38%$-41
BedfordState Farm$41-40%$-46
BediasState Farm$42-34%$-37
Bee HouseState Farm$36-37%$-36
BeevilleState Farm$35-43%$-43
BellaireState Farm$48-42%$-57
BellevueState Farm$36-35%$-32
BellmeadState Farm$38-38%$-38
BellsState Farm$36-39%$-38
BellvilleState Farm$37-39%$-40
BelmontState Farm$40-35%$-37
BeltonState Farm$35-41%$-41
Ben ArnoldState Farm$40-31%$-30
BenavidesState Farm$37-40%$-41
Ben BoltState Farm$36-47%$-54
BenbrookState Farm$41-39%$-44
BendState Farm$38-36%$-36
Ben FranklinState Farm$38-37%$-37
BenjaminState Farm$36-35%$-32
Ben WheelerState Farm$42-35%$-38
BerclairState Farm$37-41%$-43
BergheimState Farm$39-38%$-40
BertramState Farm$43-32%$-34
Big Bend National ParkState Farm$33-36%$-31
BigfootState Farm$38-37%$-38
Biggs FieldState Farm$44-33%$-36
Big LakeState Farm$33-41%$-38
Big SandyState Farm$42-37%$-40
Big SpringState Farm$35-39%$-38
Big WellsState Farm$38-36%$-35
BiromeState Farm$36-37%$-35
BishopState Farm$42-35%$-37
BivinsState Farm$42-34%$-36
BlackwellState Farm$36-35%$-32
BlancoState Farm$41-35%$-38
BlanketState Farm$37-34%$-32
BledsoeState Farm$35-37%$-34
BleiblervilleState Farm$38-39%$-40
BlessingState Farm$37-39%$-40
BloomburgState Farm$40-37%$-40
Blooming GroveState Farm$36-40%$-40
BloomingtonState Farm$37-38%$-38
BlossomState Farm$40-35%$-35
BluegroveState Farm$36-36%$-34
Blue RidgeState Farm$43-37%$-43
Bluff DaleState Farm$36-40%$-40
BlufftonState Farm$38-37%$-38
BlumState Farm$36-38%$-37
BoerneState Farm$39-38%$-40
BogataState Farm$41-32%$-32
BolingState Farm$39-41%$-46
Bolivar PeninsulaState Farm$40-42%$-49
BonhamState Farm$37-41%$-44
Bon WierState Farm$41-40%$-46
BookerState Farm$34-37%$-32
BorgerState Farm$37-35%$-33
BovinaState Farm$34-39%$-36
BowieState Farm$35-37%$-34
BoydState Farm$37-40%$-41
Boys RanchState Farm$35-45%$-47
BradyState Farm$40-30%$-28
BrandonState Farm$36-38%$-36
BrashearState Farm$36-38%$-37
BrazoriaState Farm$36-44%$-48
BreckenridgeState Farm$36-36%$-34
BremondState Farm$40-32%$-31
BrenhamState Farm$36-40%$-39
Bridge CityState Farm$46-40%$-51
BridgeportState Farm$37-40%$-41
BriggsState Farm$43-29%$-29
BriscoeState Farm$35-36%$-33
BroaddusState Farm$41-35%$-38
BronsonState Farm$41-35%$-38
BronteState Farm$37-33%$-31
BrookesmithState Farm$36-35%$-33
BrookshireState Farm$41-41%$-48
BrookstonState Farm$40-34%$-35
BrownfieldState Farm$35-38%$-36
BrownsboroState Farm$41-38%$-41
BrownwoodState Farm$36-35%$-33
BrucevilleState Farm$36-38%$-37
BruniGeico$51-26%$-28
BrysonState Farm$36-37%$-36
Buchanan DamState Farm$38-38%$-39
Buchanan Lake VillageState Farm$38-38%$-39
BuckholtsState Farm$40-33%$-33
BudaState Farm$42-38%$-42
BuffaloState Farm$41-32%$-32
Buffalo GapState Farm$34-38%$-35
BullardState Farm$40-41%$-47
BulverdeState Farm$41-38%$-42
BunaState Farm$39-43%$-48
BurkburnettState Farm$34-37%$-33
BurkettState Farm$35-35%$-31
BurkevilleState Farm$40-38%$-41
BurlesonState Farm$51-43%$-60
BurnetState Farm$41-35%$-37
BurtonState Farm$36-39%$-38
BushlandState Farm$40-40%$-44
ByersState Farm$36-34%$-30
BynumState Farm$36-38%$-36
CactusState Farm$35-40%$-39
CaddoState Farm$36-37%$-35
Caddo MillsState Farm$38-43%$-48
CaldwellState Farm$38-35%$-34
CallState Farm$40-41%$-47
CallihamState Farm$38-37%$-38
CalvertState Farm$40-35%$-36
CamdenState Farm$40-38%$-41
CameronState Farm$40-33%$-33
CampbellState Farm$37-38%$-38
CampbelltonState Farm$36-39%$-38
Camp WoodState Farm$40-29%$-28
CanadianState Farm$34-36%$-32
CantonState Farm$41-35%$-36
CanutilloState Farm$42-37%$-41
CanyonState Farm$39-39%$-42
Canyon LakeState Farm$40-41%$-46
CarbonState Farm$36-35%$-32
CarlsbadState Farm$34-39%$-36
CarltonState Farm$36-37%$-34
CarmineState Farm$36-39%$-38
Carrizo SpringsState Farm$37-43%$-47
CarthageState Farm$40-39%$-43
CasonState Farm$40-38%$-41
CastellState Farm$38-36%$-36
CastrovilleState Farm$40-42%$-49
CatarinaState Farm$38-39%$-41
Cat SpringState Farm$37-37%$-37
CayugaState Farm$40-35%$-36
Cedar HillState Farm$49-40%$-53
Cedar LaneState Farm$37-46%$-52
Cee VeeState Farm$35-37%$-34
CelesteState Farm$39-40%$-44
CelinaState Farm$40-42%$-49
CenterState Farm$40-37%$-39
Center PointState Farm$39-36%$-36
CentervilleGeico$45-34%$-36
CentraliaState Farm$40-38%$-42
ChandlerState Farm$41-40%$-46
ChannelviewState Farm$48-40%$-55
ChanningState Farm$35-38%$-35
Chapman RanchState Farm$42-38%$-44
Chappell HillState Farm$36-40%$-40
CharlotteState Farm$37-40%$-40
ChatfieldState Farm$36-40%$-41
CherokeeState Farm$38-34%$-33
ChesterState Farm$41-36%$-39
ChicoState Farm$36-40%$-40
ChicotaState Farm$38-39%$-40
ChildressState Farm$35-35%$-32
ChillicotheState Farm$36-34%$-31
ChiltonState Farm$35-38%$-35
ChinaState Farm$46-42%$-54
China SpringState Farm$38-37%$-37
ChirenoState Farm$41-36%$-39
ChriesmanState Farm$40-34%$-34
ChristineState Farm$36-42%$-44
ChristovalState Farm$33-39%$-35
CiboloState Farm$38-43%$-48
CiscoState Farm$34-37%$-34
ClarendonState Farm$36-35%$-33
ClarksvilleState Farm$40-32%$-32
ClaudeState Farm$37-40%$-40
ClaytonState Farm$40-42%$-48
CleburneState Farm$37-40%$-41
ClevelandState Farm$43-40%$-49
CliftonState Farm$36-35%$-33
ClintState Farm$44-32%$-35
CluteState Farm$36-45%$-50
ClydeState Farm$36-34%$-31
CoahomaState Farm$34-37%$-34
ColdspringState Farm$39-40%$-44
ColemanState Farm$35-35%$-31
CollegeportState Farm$37-45%$-50
ColleyvilleState Farm$40-39%$-44
CollinsvilleState Farm$37-40%$-41
ColmesneilState Farm$41-35%$-37
Colorado CityState Farm$34-36%$-32
ColumbusState Farm$36-40%$-40
ComancheState Farm$37-32%$-29
CombesState Farm$44-42%$-53
ComfortState Farm$39-34%$-34
CommerceState Farm$37-40%$-41
ComoState Farm$36-41%$-41
ComstockGeico$43-31%$-29
ConcanState Farm$38-37%$-37
ConcepcionState Farm$38-40%$-43
ConcordState Farm$40-36%$-37
ConverseState Farm$43-43%$-54
CookvilleState Farm$40-36%$-37
CoolidgeState Farm$36-37%$-36
CooperState Farm$38-36%$-35
CopevilleState Farm$41-40%$-47
CoppellState Farm$44-41%$-51
Copperas CoveState Farm$37-39%$-39
CorinthState Farm$38-43%$-49
CorriganState Farm$42-33%$-34
CorsicanaState Farm$37-38%$-38
Cotton CenterState Farm$35-40%$-39
CotullaState Farm$36-40%$-40
CouplandState Farm$36-43%$-46
CovingtonState Farm$36-37%$-35
CoyanosaState Farm$33-39%$-36
CrandallState Farm$40-43%$-50
CraneState Farm$33-42%$-41
Cranfills GapState Farm$36-35%$-32
CrawfordState Farm$37-37%$-36
CressonState Farm$37-40%$-40
CrockettState Farm$42-31%$-32
CrosbyState Farm$46-43%$-58
CrosbytonState Farm$36-35%$-33
Cross PlainsState Farm$36-35%$-32
CrowellState Farm$36-33%$-29
CrowleyState Farm$42-37%$-42
Crystal CityState Farm$37-40%$-41
CueroState Farm$36-37%$-36
CumbyState Farm$37-38%$-38
CuneyState Farm$40-41%$-47
CunninghamState Farm$38-37%$-37
CushingState Farm$42-35%$-38
CypressState Farm$46-42%$-56
Cypress MillState Farm$41-35%$-37
DaingerfieldState Farm$41-34%$-35
DaisettaState Farm$42-44%$-55
DaleState Farm$41-39%$-44
DalhartState Farm$34-39%$-36
DallardsvilleState Farm$40-40%$-45
DamonState Farm$40-43%$-51
DanburyState Farm$36-46%$-51
DancigerState Farm$38-47%$-56
DanevangState Farm$36-41%$-42
DarrouzettState Farm$35-36%$-33
DawnState Farm$35-41%$-40
DawsonState Farm$37-39%$-38
DaytonState Farm$44-40%$-49
DeanvilleState Farm$40-35%$-35
De BerryState Farm$41-39%$-43
DecaturState Farm$37-41%$-43
Deer ParkState Farm$44-41%$-50
De KalbState Farm$40-34%$-34
De LeonState Farm$35-36%$-33
Dell CityState Farm$34-38%$-35
DelmitaState Farm$42-41%$-48
Del RioGeico$43-31%$-29
DenisonState Farm$37-41%$-43
DennisState Farm$37-38%$-37
Denver CityState Farm$33-39%$-36
DeportState Farm$39-34%$-33
DesdemonaState Farm$36-37%$-35
DeSotoState Farm$48-42%$-58
DetroitState Farm$42-29%$-29
DeversState Farm$43-41%$-49
DevineState Farm$39-40%$-43
D HanisState Farm$39-36%$-37
DianaState Farm$41-40%$-45
DibollState Farm$41-38%$-42
DickensState Farm$38-31%$-29
DickinsonState Farm$41-45%$-56
DikeState Farm$36-40%$-39
DilleyState Farm$38-36%$-36
Dime BoxState Farm$39-35%$-34
DimmittState Farm$33-42%$-40
DineroState Farm$36-51%$-63
DobbinState Farm$41-41%$-48
Dodd CityState Farm$38-38%$-40
DodgeState Farm$40-40%$-45
DodsonState Farm$35-38%$-35
DonieState Farm$37-35%$-34
DonnaState Farm$43-45%$-60
DooleState Farm$39-31%$-29
DossState Farm$38-39%$-40
DoucetteState Farm$40-44%$-53
DoughertyState Farm$35-36%$-32
DouglassState Farm$42-34%$-36
DouglassvilleState Farm$41-35%$-37
DriftwoodState Farm$41-37%$-40
Dripping SpringsState Farm$42-36%$-39
DriscollState Farm$41-40%$-45
DrydenState Farm$33-40%$-38
DublinState Farm$35-38%$-36
DumasState Farm$35-39%$-37
DuncanvilleState Farm$49-40%$-54
DunnState Farm$35-36%$-33
Eagle LakeState Farm$37-41%$-42
Eagle PassState Farm$46-44%$-59
EarlyState Farm$36-37%$-35
EarthState Farm$36-37%$-36
East BernardState Farm$39-38%$-40
EastlandState Farm$34-39%$-36
EastonState Farm$41-41%$-47
EcletoState Farm$36-40%$-40
EctorState Farm$37-40%$-41
EdcouchState Farm$45-44%$-59
EddyState Farm$37-36%$-34
EdenState Farm$38-28%$-25
EdgewoodState Farm$41-38%$-41
EdmonsonState Farm$35-40%$-39
EdnaState Farm$36-39%$-39
EdroyState Farm$36-44%$-47
EgyptState Farm$38-41%$-45
El CampoState Farm$36-38%$-37
EldoradoState Farm$34-38%$-34
ElectraState Farm$34-38%$-35
ElginState Farm$40-39%$-43
EliasvilleState Farm$36-36%$-34
El IndioState Farm$42-45%$-57
ElkhartState Farm$41-35%$-37
EllingerState Farm$36-37%$-36
ElmatonState Farm$37-40%$-40
ElmendorfState Farm$44-40%$-49
Elm MottState Farm$38-37%$-36
ElmoState Farm$41-43%$-51
ElsaState Farm$46-43%$-57
Elysian FieldsState Farm$41-40%$-46
EmoryState Farm$37-38%$-38
EncinalState Farm$40-33%$-32
EncinoState Farm$40-39%$-42
EnergyState Farm$36-38%$-36
EnloeState Farm$38-36%$-36
EnnisState Farm$39-41%$-44
EnochsState Farm$35-40%$-39
EolaState Farm$35-37%$-33
EraState Farm$36-40%$-40
EtoileState Farm$41-37%$-40
EulessState Farm$41-43%$-51
EustaceState Farm$40-37%$-39
FabensGeico$40-42%$-45
FairfieldState Farm$40-30%$-29
Fair Oaks RanchState Farm$42-38%$-42
Falcon HeightsState Farm$41-46%$-60
FalfurriasState Farm$39-39%$-41
Falls CityState Farm$36-39%$-39
FanninState Farm$37-40%$-41
Farmers BranchState Farm$46-40%$-52
FarmersvilleState Farm$43-39%$-46
FarnsworthState Farm$35-35%$-32
FarwellState Farm$35-37%$-34
FayettevilleState Farm$37-37%$-37
FentressState Farm$40-38%$-41
FerrisState Farm$40-43%$-51
FieldtonState Farm$35-39%$-38
FischerState Farm$40-40%$-44
FlatoniaState Farm$37-37%$-36
FlintState Farm$40-44%$-53
FlomotState Farm$35-38%$-35
FlorenceState Farm$38-38%$-39
FloresvilleState Farm$38-39%$-42
FloydadaState Farm$35-36%$-33
FluvannaState Farm$35-38%$-35
FlynnState Farm$40-36%$-38
FollettState Farm$37-32%$-28
ForestburgState Farm$36-39%$-37
ForneyState Farm$43-42%$-52
ForrestonState Farm$39-40%$-43
ForsanState Farm$35-38%$-37
Fort BlissState Farm$43-34%$-38
Fort Clark SpringsState Farm$37-35%$-33
Fort DavisState Farm$33-33%$-28
Fort HancockState Farm$33-42%$-40
Fort HoodState Farm$36-42%$-43
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FreerState Farm$38-39%$-40
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FrostState Farm$37-36%$-35
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GailState Farm$35-39%$-38
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GeorgetownState Farm$38-40%$-43
George WestState Farm$37-37%$-37
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GilchristState Farm$41-43%$-52
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Glen RoseState Farm$37-37%$-36
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GodleyState Farm$37-40%$-41
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GregoryState Farm$35-46%$-49
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RallsState Farm$36-37%$-35
RandolphState Farm$38-40%$-43
RangerState Farm$34-39%$-37
RankinState Farm$33-38%$-34
Ransom CanyonState Farm$38-42%$-47
RatcliffState Farm$40-37%$-40
RavennaState Farm$38-37%$-37
RaymondvilleState Farm$38-46%$-54
RaywoodState Farm$44-44%$-57
ReaganState Farm$36-36%$-34
RealitosState Farm$38-40%$-42
RedfordState Farm$33-37%$-32
Red OakState Farm$40-45%$-56
Red RockState Farm$41-37%$-39
RedwaterState Farm$40-40%$-45
RefugioState Farm$35-42%$-42
ReklawState Farm$40-36%$-38
RhomeState Farm$37-42%$-45
RiceState Farm$36-41%$-43
RichardsState Farm$42-34%$-36
RichlandState Farm$37-37%$-36
Richland SpringsState Farm$38-33%$-32
RichmondState Farm$42-46%$-59
RieselState Farm$36-37%$-35
RinggoldState Farm$36-34%$-31
Rio FrioState Farm$38-36%$-37
Rio Grande CityState Farm$44-42%$-52
Rio HondoState Farm$41-41%$-48
Rio MedinaState Farm$39-41%$-45
Rio VistaState Farm$37-40%$-40
Rising StarState Farm$36-35%$-32
RivieraState Farm$36-40%$-40
RoanokeState Farm$38-43%$-47
Roans PrairieState Farm$40-37%$-40
Roaring SpringsState Farm$35-38%$-35
Robert LeeState Farm$37-36%$-35
RobstownState Farm$41-40%$-47
RobyState Farm$35-37%$-33
RochelleState Farm$39-30%$-28
RochesterState Farm$35-35%$-32
RockdaleState Farm$39-34%$-34
Rock IslandState Farm$37-39%$-39
RockportState Farm$35-44%$-46
RockspringsState Farm$40-33%$-33
RockwallState Farm$42-43%$-54
RockwoodState Farm$35-36%$-32
RogersState Farm$36-38%$-36
RomaState Farm$43-41%$-49
RomayorState Farm$45-40%$-51
RooseveltState Farm$39-30%$-28
RopesvilleState Farm$35-42%$-43
RosankyState Farm$40-37%$-39
RoscoeState Farm$35-37%$-34
RosebudState Farm$38-34%$-32
RosenbergState Farm$40-45%$-55
RosharonState Farm$39-47%$-59
RossState Farm$37-39%$-39
RosserState Farm$42-37%$-41
RosstonState Farm$36-39%$-39
RotanState Farm$36-34%$-31
Round TopState Farm$37-39%$-39
RowenaGeico$40-32%$-29
RowlettState Farm$48-41%$-55
RoxtonState Farm$40-35%$-35
Royse CityState Farm$43-41%$-49
RuleState Farm$35-34%$-31
RungeState Farm$35-39%$-38
RuskState Farm$40-36%$-37
RyeState Farm$44-40%$-50
SabinalState Farm$38-37%$-38
Sabine PassState Farm$46-41%$-53
SachseState Farm$47-39%$-51
SaculState Farm$41-39%$-43
SadlerState Farm$36-40%$-40
Saint HedwigState Farm$43-40%$-47
SaladoState Farm$35-40%$-40
SalinenoState Farm$42-45%$-59
SaltilloState Farm$36-38%$-37
Sam NorwoodState Farm$35-39%$-38
Sam RayburnState Farm$39-38%$-40
San AngeloState Farm$36-41%$-41
San AugustineState Farm$41-35%$-37
San BenitoState Farm$54-46%$-71
SandersonState Farm$35-37%$-35
SandiaState Farm$38-39%$-41
San DiegoState Farm$38-40%$-42
San ElizarioState Farm$44-36%$-41
San FelipeState Farm$37-43%$-46
SanfordState Farm$36-38%$-36
SangerState Farm$37-41%$-43
San IsidroState Farm$41-40%$-46
San JuanState Farm$45-44%$-60
San MarcosState Farm$41-40%$-45
San SabaState Farm$38-35%$-34
Santa AnnaState Farm$36-34%$-31
Santa ElenaState Farm$41-43%$-51
Santa FeState Farm$41-43%$-52
Santa MariaState Farm$44-42%$-53
Santa RosaState Farm$42-41%$-50
SantoState Farm$36-38%$-37
San YgnacioState Farm$40-37%$-39
SaragosaState Farm$33-39%$-36
SaratogaState Farm$43-38%$-45
SaritaState Farm$41-35%$-37
SatinState Farm$36-38%$-37
SavoyState Farm$37-38%$-37
SchertzState Farm$39-41%$-47
SchulenburgState Farm$37-36%$-35
SchwertnerState Farm$38-40%$-43
ScotlandState Farm$36-36%$-34
ScottsvilleState Farm$41-41%$-47
ScrogginsState Farm$38-39%$-40
ScurryState Farm$39-41%$-45
SeabrookState Farm$45-41%$-52
SeadriftState Farm$36-42%$-44
SeagovilleState Farm$49-36%$-47
SeagravesState Farm$34-38%$-35
SealyState Farm$38-40%$-42
SebastianState Farm$37-44%$-49
SeguinState Farm$38-38%$-39
Selman CityState Farm$41-39%$-44
SeminoleState Farm$34-40%$-37
SeymourState Farm$35-35%$-32
ShallowaterState Farm$38-40%$-42
ShamrockState Farm$37-33%$-31
SheffieldState Farm$33-39%$-36
ShelbyvilleState Farm$42-35%$-38
ShepherdState Farm$41-43%$-51
SheridanState Farm$36-40%$-40
ShermanState Farm$37-40%$-41
Sherwood ShoresState Farm$36-41%$-42
ShinerState Farm$36-36%$-34
ShiroState Farm$40-38%$-41
SidneyState Farm$36-34%$-31
Sierra BlancaState Farm$36-35%$-32
SilsbeeState Farm$41-43%$-53
SilverState Farm$35-39%$-37
SilvertonState Farm$38-32%$-30
SimmsState Farm$40-35%$-35
SimontonState Farm$41-42%$-50
SintonState Farm$34-45%$-48
SkellytownState Farm$35-39%$-37
SkidmoreState Farm$36-42%$-43
SlatonState Farm$38-40%$-43
SlidellState Farm$37-43%$-47
SmileyState Farm$39-34%$-33
SmithvilleState Farm$41-35%$-36
SmyerState Farm$34-43%$-43
SnookState Farm$40-36%$-37
SnyderState Farm$34-35%$-31
SocorroState Farm$44-33%$-37
SomersetState Farm$45-36%$-42
SomervilleState Farm$39-35%$-35
SonoraState Farm$34-36%$-32
South HoustonState Farm$48-45%$-65
SouthlakeState Farm$39-41%$-46
SouthmaydState Farm$37-43%$-46
South Padre IslandState Farm$42-38%$-43
South PlainsState Farm$35-36%$-33
SpadeState Farm$35-39%$-38
SpearmanState Farm$34-38%$-36
SpicewoodState Farm$40-38%$-41
SplendoraState Farm$43-40%$-48
SpringState Farm$49-43%$-60
Spring BranchState Farm$40-41%$-46
SpringlakeState Farm$35-37%$-35
SpringtownState Farm$37-45%$-50
SpurState Farm$38-32%$-30
SpurgerState Farm$40-38%$-41
StaffordState Farm$42-48%$-66
StamfordState Farm$35-36%$-33
StantonState Farm$35-39%$-38
StaplesState Farm$40-36%$-38
StarState Farm$36-38%$-36
StephenvilleState Farm$35-39%$-38
Sterling CityState Farm$37-33%$-30
StinnettState Farm$37-34%$-32
St. JoState Farm$35-37%$-34
StockdaleState Farm$40-35%$-36
StowellState Farm$42-43%$-53
StratfordState Farm$36-37%$-35
StrawnState Farm$35-38%$-36
StreetmanState Farm$40-30%$-29
SublimeState Farm$36-41%$-42
SudanState Farm$36-38%$-37
Sullivan CityState Farm$47-40%$-53
Sulphur BluffState Farm$38-34%$-33
Sulphur SpringsState Farm$36-39%$-38
SummerfieldState Farm$35-41%$-41
SumnerState Farm$40-33%$-33
SundownState Farm$34-44%$-44
SunnyvaleState Farm$50-35%$-46
SunrayState Farm$35-38%$-36
SunsetState Farm$35-41%$-41
Sutherland SpringsState Farm$40-35%$-35
SweenyState Farm$38-42%$-46
Sweet HomeState Farm$36-40%$-41
SweetwaterState Farm$34-38%$-34
SylvesterState Farm$35-36%$-33
TaftState Farm$34-45%$-46
TahokaState Farm$35-41%$-40
TalcoState Farm$41-32%$-33
TalpaState Farm$35-37%$-34
TarpleyState Farm$38-39%$-40
TarzanState Farm$35-41%$-40
TatumState Farm$42-38%$-43
TaylorState Farm$37-42%$-45
TeagueState Farm$40-30%$-28
TehuacanaState Farm$36-41%$-41
TelegraphState Farm$39-32%$-31
TelephoneState Farm$38-37%$-37
TelfernerState Farm$37-40%$-41
TellState Farm$35-37%$-34
TenahaState Farm$40-37%$-40
Tennessee ColonyState Farm$41-32%$-32
TennysonState Farm$35-38%$-36
TerlinguaState Farm$35-32%$-27
TerrellState Farm$42-42%$-51
TexarkanaState Farm$40-40%$-45
Texas CityState Farm$40-45%$-55
TexhomaState Farm$35-60%$-88
TexlineState Farm$35-38%$-36
The ColonyState Farm$40-44%$-53
The HillsState Farm$42-37%$-42
The WoodlandsState Farm$40-41%$-47
ThicketState Farm$43-41%$-50
ThomastonState Farm$36-41%$-42
ThompsonsState Farm$41-47%$-61
ThorndaleState Farm$40-34%$-34
ThorntonState Farm$36-38%$-37
ThrallState Farm$37-43%$-46
Three RiversState Farm$37-39%$-38
ThrockmortonState Farm$37-33%$-30
TildenState Farm$37-40%$-41
TimpsonState Farm$41-35%$-37
TiogaState Farm$37-38%$-38
TivoliState Farm$36-38%$-37
TokioState Farm$35-37%$-34
TolarState Farm$38-38%$-38
TomballState Farm$53-43%$-64
Tom BeanState Farm$37-39%$-40
TornilloGeico$40-42%$-44
ToyahState Farm$33-39%$-36
ToyahvaleState Farm$33-39%$-36
TrentState Farm$33-39%$-36
TrentonState Farm$38-41%$-43
TrinidadState Farm$40-35%$-36
TrinityState Farm$40-38%$-41
TroupState Farm$41-37%$-41
TroyState Farm$35-37%$-35
TuletaState Farm$35-44%$-45
TuliaState Farm$35-39%$-37
TurkeyState Farm$39-30%$-27
TuscolaState Farm$35-39%$-38
TyeState Farm$34-41%$-38
TynanState Farm$36-41%$-43
UmbargerState Farm$40-39%$-42
Universal CityState Farm$42-40%$-47
University ParkState Farm$46-42%$-57
UtopiaState Farm$39-37%$-38
UvaldeState Farm$38-36%$-35
ValentineState Farm$33-35%$-29
ValeraState Farm$36-34%$-30
Valley MillsState Farm$37-37%$-37
Valley SpringState Farm$38-36%$-36
Valley ViewState Farm$35-41%$-42
VanState Farm$42-36%$-39
Van AlstyneState Farm$39-40%$-43
VancourtState Farm$33-38%$-34
VanderpoolState Farm$38-39%$-40
Van HornState Farm$34-34%$-29
Van VleckState Farm$38-41%$-44
VegaState Farm$37-39%$-39
VenusState Farm$38-41%$-45
VeribestState Farm$33-39%$-35
VernonState Farm$36-33%$-29
VictoriaState Farm$37-40%$-40
VidorState Farm$45-38%$-47
Village MillsState Farm$43-40%$-48
VocaState Farm$39-33%$-33
Von OrmyState Farm$45-40%$-50
VotawState Farm$43-40%$-48
WadsworthState Farm$37-45%$-51
WaelderState Farm$39-36%$-36
WakaState Farm$35-35%$-32
WalburgState Farm$38-40%$-42
WallState Farm$33-41%$-38
WallerState Farm$43-40%$-47
WallisState Farm$38-41%$-44
WallisvilleState Farm$42-40%$-48
Walnut SpringsState Farm$37-34%$-32
WardaState Farm$36-38%$-38
WaringState Farm$39-39%$-42
WarrenState Farm$41-39%$-43
WarrentonState Farm$36-41%$-42
WashingtonState Farm$37-40%$-41
WaskomState Farm$42-37%$-41
WataugaState Farm$43-39%$-46
Water ValleyState Farm$33-39%$-36
WaxahachieState Farm$38-43%$-48
WaysideState Farm$35-42%$-43
WeatherfordState Farm$37-41%$-43
WebsterState Farm$63-43%$-72
WeesatcheState Farm$37-39%$-40
WeimarState Farm$37-37%$-37
WeinertState Farm$35-34%$-30
WeirState Farm$38-39%$-42
WelchState Farm$35-39%$-36
WellbornState Farm$36-41%$-41
WellingtonState Farm$38-32%$-30
WellmanState Farm$35-37%$-34
WellsState Farm$42-35%$-37
Wells BranchState Farm$39-43%$-49
WeslacoState Farm$43-46%$-61
WestState Farm$37-37%$-37
WestbrookState Farm$35-35%$-31
West ColumbiaState Farm$38-43%$-48
WesthoffState Farm$36-38%$-37
WestonState Farm$41-41%$-48
Weston LakesState Farm$38-46%$-54
West PointState Farm$37-38%$-38
West University PlaceState Farm$45-44%$-58
WhartonState Farm$38-41%$-44
WheelerState Farm$36-36%$-33
WheelockState Farm$40-35%$-36
White DeerState Farm$35-39%$-37
WhitefaceState Farm$35-39%$-37
WhitehouseState Farm$40-44%$-52
White OakState Farm$41-39%$-44
WhitesboroState Farm$37-40%$-41
WhitewrightState Farm$38-40%$-41
WhitharralState Farm$35-43%$-43
WhitneyState Farm$36-37%$-35
WhitsettState Farm$36-39%$-38
WhittState Farm$37-40%$-41
Wichita FallsState Farm$37-39%$-39
WickettState Farm$32-42%$-38
WiergateState Farm$40-38%$-41
WildoradoState Farm$35-41%$-41
WillisState Farm$41-41%$-49
Willow CityState Farm$38-37%$-37
Wills PointState Farm$42-36%$-40
WilmerState Farm$49-38%$-51
WilsonState Farm$34-44%$-45
WimberleyState Farm$40-39%$-43
WindomState Farm$38-38%$-39
WindthorstState Farm$36-37%$-35
WingateState Farm$35-34%$-29
WinkState Farm$32-42%$-39
WinnieState Farm$42-42%$-51
WinnsboroState Farm$38-38%$-39
WinonaState Farm$40-40%$-44
WintersState Farm$37-31%$-27
WodenState Farm$41-39%$-44
Wolfe CityState Farm$38-36%$-36
WolfforthState Farm$38-41%$-43
WoodlakeState Farm$40-40%$-44
WoodlawnState Farm$41-42%$-49
WoodsboroState Farm$35-43%$-44
WoodsonGeico$40-32%$-30
WoodvilleState Farm$41-36%$-39
WorthamState Farm$40-32%$-31
WrightsboroState Farm$40-34%$-34
WyldwoodState Farm$41-42%$-49
WylieState Farm$42-45%$-57
YanceyState Farm$39-38%$-41
YantisState Farm$37-40%$-41
YoakumState Farm$37-37%$-35
YorktownState Farm$36-39%$-38
ZapataState Farm$38-39%$-41
ZavallaState Farm$40-39%$-42
ZephyrState Farm$37-34%$-32

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Cheapest Car Insurance in Texas by Driver Age Group

We analyzed car insurance rates across Texas for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:

  • Young drivers can get the lowest rates from State Farm, starting at $92 per month
  • Adult drivers find the best deals with State Farm, with rates from $41 per month
  • Senior drivers see the most affordable coverage through State Farm, beginning at $47 per month

Cheapest Car Insurance For Young Drivers in Texas

Young drivers in Texas can get the cheapest from State Farm. Minimum coverage costs $92 per month or $210 per month for a full coverage policy.

Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
State Farm$92$1,101-43%$-832
Geico$96$1,153-40%$-780
AAA$138$1,657-14%$-276
Farmers$159$1,910-1%$-23
Germania Insurance$136$1,633-16%$-300

*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.

Cheapest Car Insurance For Adult Drivers in Texas

State Farm is the best affordable provider for adult drivers in Texas with costs ranging from $41 for a minimum coverage to $95 per month for a full coverage policy. Mercury Insurance and GEICO are also great options.

Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Germania Insurance$180$2,164-51%$-2,250
Geico$234$2,808-36%$-1,606
Chubb$310$3,723-16%$-690
Farmers$296$3,557-19%$-857
Allstate$333$3,996-9%$-417

Cheapest Car Insurance For Senior Drivers in Texas

State Farm provides Texas senior drivers the most affordable car insurance rates for both coverage types. Full coverage costs $106 monthly, while minimum coverage runs $47 per month.

Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Farmers$310$3,718-30%$-1,567
Geico$276$3,315-37%$-1,971
Chubb$373$4,482-15%$-803
Allstate$372$4,460-16%$-825
Germania Insurance$187$2,243-58%$-3,042

Cheapest Car Insurance For High-Risk Drivers in Texas

Your driving record is one of the biggest factors affecting car insurance rates in Texas. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents, or DUIs can raise costs significantly. The table below highlights the cheapest providers in Texas based on different driving records.

  • Cheapest for Bad Credit: GEICO (From $80/mo)
  • Cheapest With a DUI: State Farm (From $66/mo)
  • Cheapest With an Accident: State Farm (From $48/mo)
  • Cheapest With a Speeding Ticket: State Farm (From $41/mo)
  • Cheapest With a Texting While Driving Violation: State Farm (From $41/mo)

Cheapest Car Insurance For Bad Credit in Texas

GEICO offers the best car insurance rates for drivers in Texas with bad credit. Annual premiums start at $957 for minimum liability coverage and $2,264 for full coverage policies with comprehensive and collision protection.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
Geico$80$957-49%$-933
Dairyland$102$1,218-36%$-672
Allstate$111$1,328-30%$-563
Germania Insurance$111$1,330-30%$-561
Chubb$131$1,569-17%$-321

Cheapest Car Insurance With a DUI in Texas

For Texas drivers with a DUI, State Farm offers the lowest annual rate at $791, followed by Mercury Insurance at $901 per year.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
State Farm$66$791-38%$-495
Mercury Insurance$75$901-30%$-385
Farmers$76$913-29%$-373
Dairyland$91$1,087-15%$-198
AAA$94$1,127-12%$-159

Cheapest Car Insurance With an Accident in Texas

Texas drivers with an accident on their record can get the lowest rates from State Farm, paying about $48 per month, or $576 per year.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
State Farm$48$576-50%$-585
Germania Insurance$67$808-30%$-354
Farmers$71$848-27%$-313
Geico$76$907-22%$-254
AAA$88$1,060-9%$-102

Cheapest Car Insurance With a Speeding Ticket

For Texas drivers with a speeding ticket, State Farm offers the most affordable rates, with minimum coverage averaging $489 per year and full coverage around $1,135 annually.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
State Farm$41$489-50%$-482
Geico$63$761-22%$-210
Germania Insurance$66$797-18%$-175
Mercury Insurance$77$920-5%$-51
AAA$80$955-2%$-16

Cheapest Car Insurance With a Texting While Driving Violation

Drivers in Texas with texting while driving violation can get the most affordable car insurance rates with State Farm. It offers minimum coverage at $489 per year, while full coverage costs $1,135 annually.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
State Farm$41$489-48%$-460
AAA$60$723-24%$-226
Geico$63$761-20%$-188
Germania Insurance$66$797-16%$-153
Mercury Insurance$77$920-3%$-29

How to Get the Cheapest Car Insurance in Texas

Knowing what the cheapest companies are isn't all you need to know to save the most money on car insurance in Texas. Below are some proven strategies to save the most on auto insurance.

  1. 1

    Compare multiple insurance providers

    Request quotes from independent agents, comparison sites, direct providers, and even local insurance brokers. Rates often differ depending on the channel—even for the same company.

  2. 2

    Determine your coverage needs carefully

    Stick to what’s required and suited to your personal risk profile. Avoid paying for unnecessary riders, but don’t undervalue your protection.

  3. 3

    Consider higher deductibles or lower coverage levels—wisely

    These moves can yield lower premiums. However, assess your financial buffer and consider regional repair and accident costs before trimming coverage.

  4. 4

    Research local costs and ask about discounts

    Use recent Texas claim data to benchmark quotes. Discounts—such as bundling home + auto, safe driver, or loyalty perks—can add up significantly.

  5. 5

    Explore alternative insurance products

    If you drive infrequently, pay‑per‑mile policies may save money. Telematics programs that monitor safe driving habits, or manufacturer‑backed insurance plans, are also worth comparing.

  6. 6

    Improve your risk profile

    A clean driving record and solid credit score are huge assets in securing lower rates.

  7. 7

    Buy a vehicle that’s inexpensive to insure

    In Texas, where theft and damage risks are higher (see below), safer, affordable, and repair‑friendly cars can save you on both premiums and costly claims.

Risks of Getting the Cheapest Car Insurance in Texas

Texas' minimum required car insurance coverage is a 30/60/25 liability car insurance split. This means at minimum, you must have $30,000 liability per person, $60,000 per accident and $25,000 of property damage per accident protection. However, getting the cheapest coverage possible isn't often the best move, and minimum liability policies come with risks:

    accident2 icon

    Property damage payouts often exceed minimum liability

    Average property damage settlement payouts in Texas are around $5,314. If you’re only carrying minimum liability ($25K, per state requirements  ), at‑fault accidents could easily leave you underinsured.

    carAccident icon

    Rising repair and collision costs

    Collision claim payouts climbed to an average of $5,992 by 2022 while comprehensive claims reached $2,738. Given inflation and repair costs, minimum coverage may fall short again.

    injury icon

    Bodily injury claims are often close to minimum limits

    Average bodily injury payouts in Texas reached $24,211 in the past three years, very near the per-person liability minimum of $30,000. Serious injury claims or multiple injured parties could quickly exceed policy limits.

    uninsured icon

    Limited coverage against uninsured drivers

    With Texas’ uninsured motorist rate hovering around 14%, the risk from uninsured or underinsured at‑fault drivers isn’t negligible. Without UM/UIM coverage, you might face steep out‑of‑pocket costs.

    handcuffs2 icon

    Elevated risk of vehicle theft

    • Texas had 115,013 vehicles stolen in 2023—second-highest in the nation.
    • In 2024, although thefts dropped statewide to 97,246 vehicles, the scale remains significant  .
    • Major metropolitan areas like Houston, San Antonio, and Dallas saw thousands of thefts in 2023.

    Bottom line: minimum liability policies won’t help if your car is stolen. Comprehensive insurance is essential in Texas’ high-theft environment.

    hurricane icon

    Severe weather exposure

    Coastal storms, floods, hail, and tornadoes are common. For example, Hurricane Harvey alone caused an estimated $125 billion in damage in Texas, with 500,000 vehicles affected. Comprehensive coverage is vital if you reside in or near vulnerable regions.

Minimum Coverage Requirements in Texas

Drivers in Texas must carry a minimum level of auto insurance to legally operate a vehicle. Known as 30/60/25 coverage, this requirement ensures you can pay for injuries and property damage if you’re at fault in an accident. While these limits meet state law, they may not fully protect against costly claims. Understanding the minimum car insurance requirements in Texas helps you stay compliant and decide whether higher coverage makes sense for your needs.

Coverage Type
Minimum Required Limit

Bodily Injury Liability (Per Person)

$30,000 per person

Bodily Injury Liability (Per Accident)

$60,000 per accident

Property Damage Liability

$25,000 per accident

Cheap Car Insurance in Texas: Bottom Line

State Farm has the cheapest car insurance in Texas for minimum and full coverage policies and various driver profiles. Although choosing the lowest-cost option is tempting, cheapest isn't always best for car insurance. Get as much coverage as you can afford to protect your finances if an accident happens.

Cheap Car Insurance in Texas: FAQ

MoneyGeek answers common questions about the cheapest car insurance in Texas to ensure you get the right coverage for your situation.

What are the cheapest car insurance companies in Texas?

Who has the cheapest car insurance rates for young drivers in Texas?

Who offers the cheapest car insurance rates for seniors in Texas?

Who has the cheapest car insurance in Texas for bad credit?

Who has the cheapest car insurance in Texas with an accident?

Who has the cheapest car insurance in Texas with a DUI?

Who has the cheapest car insurance in Texas for those with a speeding ticket?

Should you buy the cheapest car insurance in Texas?

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How We Found the Most Affordable Car Insurance in Texas

MoneyGeek collected auto insurance data from the Texas Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Texas.

Texas Driver Profile

Our analysis started with a standard driver profile to find the cheapest rates:

  • 40-year-old male
  • 2012 Toyota Camry LE
  • Clean driving record
  • 12,000 miles driven annually
  • Good credit
  • Valid license
  • Currently insured
  • No claims history

We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.

Standard Coverage Levels in Texas

We compared car insurance companies in Texas that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Texas.

The minimum coverage liability limits in Texas are:

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

For full coverage policy rates, we used the following liability limits:

  • $100,000 for bodily injury liability per person
  • $300,000 for bodily injury liability per accident
  • $100,000 for property damage liability
  • Comprehensive and collision coverage with a $1,000 deductible

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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