Car Insurance in Texas: How to Find the Policy That Fits You

MoneyGeek broke down different solutions for your car insurance needs in Texas. Which of these profiles fits your situation?

Find the Best or Cheapest Car Insurance in Texas

MoneyGeek gathered quotes to help you find the cheapest companies for car insurance in Texas. We used our unique scoring system to determine which companies provide the best balance of cost and affordability.

We calculated car insurance costs based on various factors like age, driving record and more. This will help you if you need to check the overall cost of car insurance.

We examined the cheapest and best car insurance options for many different kinds of driver profiles. You’ll find a summary in the table below. Unless stated otherwise, all listed recommendations are for full coverage.

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THE CHEAPEST CAR INSURANCE COMPANIES IN TEXAS
  • Minimum liability: Farmers
  • Full coverage: Farmers
  • Drivers with a DUI: Esurance
  • After an accident: State Farm
  • Drivers with a ticket: State Farm
  • Drivers with bad credit: Farmers
  • Senior drivers: Farmers
  • Student drivers: State Farm
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THE BEST CAR INSURANCE COMPANIES IN TEXAS
  • Overall: State Farm
  • Customer Service: GEICO
  • On a Budget: Farmers
  • Poor Driving Record: State Farm
  • Military: USAA
  • Young Drivers: State Farm
  • New Cars: Farmers
  • Low-Mileage Drivers: Nationwide

Get a Texas Car Insurance Quote

Quotes for car insurance in Texas can vary as much as $1,960 per year for the same driver across different insurance providers. It’s important to shop around and compare quotes since it may help you find better rates. Thankfully, getting a quote estimate from each company shouldn’t be a lengthy process.

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Car Insurance Laws in Texas

MoneyGeek has resources on Texas car insurance laws and requirements. According to Texas law, the following coverages are required:

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

Texas only requires these low liability limits and not comprehensive and collision insurance, so it’s important to assess how much car insurance you need. The state’s minimum insurance requirements will not be enough for some drivers.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN TEXAS?

High-risk drivers, like those with a DUI, are required to file an SR-22 in Texas, which is a form for proof of insurance. MoneyGeek created a guide explaining how much you need to pay and how to file this form with your insurer.

Specialty Car Insurance in Texas

Traditional car insurance might not always fit your needs. To help you decide which policy fits you best, we explored alternative options for car insurance in Texas, such as non-owner, temporary and low-income car insurance policies. Below, you can learn more about the different types of car insurance in Texas.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

This is ideal for Texas drivers who don’t own a car but need proof of insurance.

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Temporary car insurance

If you rent cars frequently or need a car for only a few months, consider temporary car insurance in Texas.

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Car insurance for low-income drivers

We listed ways to get low-income car insurance in Texas since most states (including Texas) don’t have programs to support low-income drivers.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.