Cheapest Car Insurance in Texas 2026

State Farm is cheapest for nearly every Texas driver profile on average: full coverage at $93 per month, minimum coverage at $40 per month, teens, seniors at $103 per month, and all four important driving violations. One provider drivers with bad credit scores may want to look at is GEICO, the cheapest $194 per month versus State Farm's $599 per month for the same profile. We recommend that the average driver starts by getting a quote from State Farm given its consistent affordability for different types of people, but ultimately the best rate for a specific driver depends on age, driving record and credit score, among other factors.

How to Choose: These rankings are based on the average Texas driver profile, but that doesn't mean the cheapest for the average Texas driver is the cheapest for you. We recommend you click the driver profile below that best matches your situation to learn more about the companies that are generally cheapest options, and to compare rates across those. We dug into all the rates data for those driver types so you don't have to. For example, Texas with a clean record deciding on coverage levels should jump to the coverage sections, while those adding a teen to their policy should jump to our age analyses. If you're looking to take our top recommendations, MoneyGeek's State Farm review and GEICO review are worth reading alongside the rate data.

Minimum Coverage

State Farm is cheapest for minimum coverage at $40 per month, with GEICO second at $57 per month. Texas minimum coverage includes $30,000 bodily injury liability per person, $60,000 per accident, and $25,000 property damage liability, meaning it will pay for your financial exposure if you're liable to injury or property damage to others up to those limits. This also means that minimum coverage will not cover your own vehicle damage or medical bills from an accident, so it should only be purchased by drivers with lower value vehicles or those who can self-insure with savings. 

Full Coverage

State Farm leads full coverage at $93 per month — $23 per month below GEICO at $116 per month and well under the Texas average of $158 per month. A full coverage policy is one that adds comprehensive and collision insurance so that damage to your vehicle by other vehicles or by acts of nature will be covered. Texas ranks among the highest states for hail damage claims, so comprehensive coverage is worth more here than in most states, even on older vehicles.

How to Choose

Choose full coverage or minimum coverage based on your vehicle's value and where you live. The right tier is a function of what you stand to lose, not a preference. However, drivers with financed vehicles should be aware that they will usually have no choice: their lender is likely to require full coverage.

The gap between State Farm's full and minimum coverage is $53 per month ($636 per year). If your vehicle is worth less than $5,000, the annual cost of comprehensive and collision may exceed what you'd recover in a total loss. Use our guides on when to drop collision and comprehensive and our Texas car insurance calculator to find your break-even point.

Vehicles worth $5,000 to $10,000 may require a judgment call on your part. When deciding how much car insurance you need you should consider multiple factors including your own net worth and savings.

State Farm is the cheapest for teen and young adult drivers in Texas at every age from 16 through 25, for both genders. It's normal for the insurer that's most affordable for 16-year-olds to also be the cheapest for other teenage ages because insurance companies, in Texas and elsewhere, usually apply a fixed rating decrease for each year of experience. 

At age 16, the family policy costs $376 per month for females and $436 per month for males, which is a $60 per month ($720 per year) gap on the same family policy with the same insurer. Young male drivers are considered especially risky to insure.  

The $60 per month gap narrows each year and closes at 25, when both genders converge to an average of $207 per month. Texas families should shop around and check insurance rates each year: teens are so costly that anytime an insurer lowers rates to attract more customers, families may be able to find big savings.

State Farm is the cheapest option for senior drivers in Texas at $103 per month. GEICO is second at $137 per month, a difference of $34 per month or $408 per year. Both are well below the Texas full coverage average of $158 per month. Senior drivers in Texas tend to pay slightly more than middle-aged drivers but less than young adults. 

If you're a senior driver who wants local agent access, that's another reason to look into State Farm; those who prefer managing their policy through an app may find GEICO a better fit.

Where exactly you live in Texas can also be a very important factor in calculating your insurance rates. For instance, State Farm is the cheapest provider in the state's ten biggest cities, but the same driver and the same coverage costs with State Farm are $21 per month ($252 per year) more in Laredo than in Austin. 

Laredo is one of the busiest commercial land border crossings in the United States, with high commercial vehicle density, elevated accident frequency, and a high rate of uninsured drivers from cross-border traffic. All factors that push premiums above what geography alone would predict. This makes it the most expensive major city in the state for car insurance. See why car insurance is expensive in Texas for a full breakdown of the state's pricing factors.

Population density is always a major factor, but it's not everything: Dallas ($115 per month) and Houston ($114 per month) are two of the most expensive metros in Texas, but Laredo ($116 per month) tops both despite being a fraction of their size. Austin, at $95 per month, is the cheapest among the 10 cities despite being one of the fastest-growing metros in the state. Austin's lower rates may reflect its driver mix and traffic patterns.

State Farm is the cheapest insurer on average for the four main driving violations: speeding ticket, texting while driving, at-fault accident and DUI. Its at-fault accident rate is $106 per month. That is $13 per month above its clean-record rate and the smallest increase of any major carrier in the state. Its DUI rate is $141 per month, $48 per month above the clean baseline. State Farm's speeding ticket and texting while driving rates both match its clean-record rate of $93 per month, with no increase for either violation type according to the latest filings. Drivers with a violation on their record should shop around for the best fit, but their best way to save over time is to drive safely until the violations fall off their record.

For those with poor credit scores, GEICO is the cheapest at $194 per month. State Farm, great for those with a driving violation, charges drivers with poor credit an average of $599 per month, the largest gap between good and bad-credit pricing in the top five. Texas insurers consider poor credit scores to be a type of non-driving risk that policyholders can have; the providers have found that those with lower scores tend to be more likely to file claims and charge them higher premiums as a result. This means that those with poor or below-average credit scores should take opportunities to shop between providers to try to save money, just as those with driving violations should. 

Drivers who need an SR-22 can find rates and filing details at SR-22 car insurance in Texas. For DUI-specific options, see car insurance after a DUI in Texas. Drivers without a vehicle can find coverage options at non-owner car insurance in Texas.

MoneyGeek analyzed rates from Quadrant Information Services across all residential ZIP codes in Texas. The analysis covers 10 car insurance companies for minimum and full coverage comparisons and violation profiles.

• Baseline driver profile: 40-year-old male, clean driving record, good credit, $100,000 per person/$300,000 per accident/$100,000 property damage full coverage, $1,000 deductible. All rates on this page reflect this profile unless the section specifies otherwise.
• Young drivers: Ages 16 through 25 on a family policy, split by gender. Texas uses gender as a rating factor.
• Seniors: 65-year-old driver, same vehicle and coverage as the baseline.
• Violations: Baseline profile with one driving record variable changed; all other variables held constant.
• Poor credit: Baseline profile with credit tier changed to poor. Texas permits credit as a rating factor under Texas Insurance Code Chapter 559. The gap between State Farm's good-credit rate and GEICO's bad-credit rate is $101 per month.
• Coverage tier: Full coverage reflects $100,000/$300,000/$100,000 liability limits with a $1,000 deductible. Minimum coverage reflects Texas's required minimums: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage under Texas Transportation Code § 601.072. Texas does not require PIP, though it is included by default and can be declined in writing.
• USAA: Excluded from provider tables; available only to military, veterans, and immediate family. Eligible drivers should include USAA in any quote comparison.
• State-specific notes: Texas is an at-fault state. A DUI or DWI conviction requires an SR-22 filing maintained for two years from the date of the most recent conviction per the Texas Department of Public Safety (Texas Transportation Code § 601). Texas does not use FR-44. State Farm's speeding ticket and texting while driving rates match its clean-record rate of $93 per month in the 2026 data — both are shown as reported.

See our full methodology.