Cheapest Car Insurance in Texas for 2026

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Updated: April 23, 2026

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Texas ranks 44th most affordable of 50 states (seventh most expensive) with full coverage averaging $150/month, 23% above the national average. State Farm is the cheapest across minimum coverage, full coverage, and all four violation categories analyzed, an unusually complete sweep of the competitive set. State Farm's speeding ticket and texting rates both equal its clean-record rate, meaning violations carry no surcharge with this provider in Texas.

Cheapest in Texas by coverage type

Cheapest by driver age

Cheapest by driving record and credit score

MoneyGeek analyzed 10 companies in Texas. The baseline profile included a 40-year-old driver with a clean record, good credit, 100/300/100 coverage and a $1,000 deductible. Texas includes PIP by default, but drivers can decline it in writing. It is not mandatory. Germania is a regional Texas insurer. Gender is a rating factor. Data sourced from Quadrant Information Services.

Cheapest Minimum and Full Coverage Car Insurance in Texas

State Farm offers the best car insurance in Texas, as it leads both minimum coverage ($41/month) and full coverage ($95/month). Choosing State Farm over Dairyland (the most expensive at $244/month full coverage, according to our dataset) saves $149/month ($1,788/year). Dairyland is a specialty nonstandard insurer often positioned for drivers who cannot qualify elsewhere. The gap versus a standard insurer like GEICO ($113/month) is a more typical comparison of $18/month ($216/year). 

Texas minimum coverage is 30/60/25: $30,000 per person bodily injury, $60,000 per accident bodily injury, and $25,000 property damage. Texas is an at-fault state. Personal injury protection (PIP) is included by default on Texas policies but can be declined in writing.

State Farm
$41
$95
GEICO
$55
$113
Mercury Insurance
$56
$129
AAA
$60
$126
Germania Insurance
$66
$137

Cheapest Car Insurance by Age in Texas

GEICO is the cheapest for young adult policies at $204/month. State Farm is the cheapest for seniors at $106/month. Car insurance rates change by age. Texas uses gender as a rating factor: at age 16, State Farm charges females $376/month and males $436/month on a family policy, a $60/month ($720/year) gap with the same insurer. That gap narrows steadily, reaching zero at age 25 ($207/month for both genders).  

Open the dropdowns below for full breakdowns by age group.

Young Drivers (standalone)
GEICO
$204
Seniors
State Farm
$106

Cheapest Car Insurance for High-Risk Drivers in Texas

State Farm leads all four violation categories in Texas: speeding tickets ($95/month, matching its clean-record rate), at-fault accidents ($109/month), DUI ($144/month), and texting while driving ($95/month, also matching the clean-record rate). GEICO leads the bad credit category at $189/month. Compare options using the high-risk car insurance in Texas guide.

Most Texas violations affect rates for three years. DUI violations remain on your record longer. Speeding tickets increase State Farm's rate by 0% (matching the clean-record rate), at-fault accidents by 15% ($95 to $109), DUI by 52% ($95 to $144) and texting while driving by 0% (matching the clean-record rate). Bad credit increases GEICO's rate by approximately 67% compared to its good-credit rate of $113/month.

Speeding Ticket
State Farm
$95
At-Fault Accident
State Farm
$109
DUI
State Farm
$144
Texting While Driving
State Farm
$95
Bad Credit
GEICO
$189

Cheapest Car Insurance Quotes in Texas by City

State Farm is the cheapest provider in all 10 Texas cities analyzed. The largest rate gap is between Dallas ($118/month) and Laredo ($119/month) versus Austin ($97/month), a difference of roughly $20 to $22/month ($240 to $264/year). Dallas has Texas's highest traffic density and accident frequency. Laredo's border city dynamics and Austin's rapid population growth driving increased congestion both contribute to regional rate differences.

Fort Worth ($102/month) and Corpus Christi ($102/month) are identical despite different sizes and locations, reflecting how rate models often capture regional risk profiles rather than precise city-by-city differences. Use the compare car insurance tool to review options.

Arlington
State Farm
$109
Austin
State Farm
$97
Corpus Christi
State Farm
$102
Dallas
State Farm
$118
El Paso
State Farm
$105
Fort Worth
State Farm
$102
Houston
State Farm
$117
Laredo
State Farm
$119
Plano
State Farm
$105
San Antonio
State Farm
$108

How to Get the Cheapest Car Insurance in Texas

These strategies can help Texas drivers reduce car insurance costs. The largest single savings opportunity is choosing State Farm over Dairyland, a difference of $149/month ($1,788/year) according to our dataset. State Farm's sweep of both standard and high-risk categories makes it particularly valuable for Texas drivers. Compare car insurance options and review the cheapest car insurance companies guide to identify the best fit.

  1. 1

    Compare quotes even when State Farm leads

    State Farm is the lowest priced in nearly every category in Texas, but the gap between State Farm ($95/month) and GEICO ($113/month) for full coverage is $18/month ($216/year). Always get multiple quotes before purchasing.

  2. 2

    Decline default PIP if it doesn't serve your needs

    Texas includes PIP by default on all policies. Drivers who already have comprehensive health insurance may be able to decline PIP in writing and reduce their premium slightly. Verify with the insurer before removing it.

  3. 3

    Match coverage to vehicle value

    Full coverage averages $150/month in Texas, but drivers with older or lower-value vehicles may save significantly by dropping comprehensive and collision. Use the car insurance calculator for Texas to estimate needs based on vehicle value, loan status, and your financial situation before making changes.

  4. 4

    Enroll in a telematics program

    State Farm Drive Safe & Save and GEICO DriveEasy reward safe driving behavior. Texas drivers can earn discounts by enrolling in these programs and demonstrating low-risk driving patterns.

  5. 5

    Bundle home and auto

    Bundling home and auto insurance with the same carrier can mean multi-policy discounts that reduce both premiums. Savings vary by insurer and coverage level. Review the home and auto bundle in Texas guide to compare potential savings across providers.

  6. 6

    Take a defensive driving course

    Texas allows drivers to take an approved defensive driving course to dismiss one traffic ticket and potentially get insurer discounts. Texas DPS-approved courses are available online and in person.

  7. 7

    Re-shop when violations age off

    Most Texas violations affect rates for three years. Set a calendar reminder to re-shop your policy when a violation is about to age off your driving record, as your rate eligibility can improve once the violation no longer appears.

  8. 8

    Improve your credit score

    The gap between GEICO's bad-credit rate ($189/month) and its good-credit rate ($113/month) is $76/month ($912/year). Texas allows credit-based pricing.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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