For drivers with a decent driving history, the overall least expensive car insurance companies in Texas are with Texas Farm Bureau, State Farm, and Progressive.
Depending on the city your reside in, each carrier can offer quotes from 22% to nearly 38% lower than the median rate for drivers of similar age and profile.
Other carriers to put on your bucket list to get quotes are Mercury, Nationwide, and Allstate.
Depending on your age, all three insurers can offer cheap quotes from 17% to over 25% lower than the median rate for similar age drivers.
For current or former military, your best option is with USAA.
In this article, I am going to cover the cheapest auto insurance companies in Texas, the minimum coverage requirements, and a few cost-savings tips along the way.
If you would like to skip to a certain portion of the article, there is a table of contents down a little and to the right.
Minimum Auto Insurance Requirements in Texas
Table of Contents
- 1 Minimum Auto Insurance Requirements in Texas
- 1.1 Bodily Injury Liability
- 1.2 Property Damage Liability
- 1.3 Cheapest Auto Insurance Companies by Rate & Age
- 1.4 Comprehensive & Collision Coverage
- 1.5 Uninsured Motorist Protection
- 1.6 Gap Insurance for Financed Vehicles
- 1.7 Best Insurance Companies by Rating, Rate Change over 18 Months, and Complaints
- 1.8 Fines for Driving without Insurance
- 1.9 Average Rate by City
| Coverage | Texas Minimum Liability Coverage | Recommended Coverage |
|---|---|---|
| Bodily Injury Protection | $30,000 / $60,000 | $100,000 / $300,000 |
| Property Damage | $25,000 | $50,000 |
| Uninsured Motorist Bodily Injury Coverage* | $30,000 / $60,000 | $100,000 / $300,000 |
| Uninsured Motorist Property Damage* | $25,000 | $50,000 |
| Personal Injury Protection (PIP)* | $2,500 | $2,500 |
| Comprehensive Coverage | Optional | $250 - $1,000 deductible |
| Collision Coverage | Optional | $250 - $1,000 deductible |
*Coverage can be rejected in writing.
Bodily Injury Liability
Bodily injury liability covers the doctor’s expenses of the other driver and their passengers when the insured is discovered to be at-fault for an accident.
Under the minimum auto insurance coverage, the insurer will pay up to $30,000 for a single person and $60,000 for multiple people injured in the accident.
Note: For a 25 year old driver the lowest quotes are from GEICO, Texas Farm Bureau, and State Farm, as illustrated. For further comparison please see table below.
Property Damage Liability
Property damage liability covers repairs for damages that happen to the other person’s car as well as damage to any private and public property.
When the minimum coverage is purchased the insurer will pay as much as $25,000 for repairs that are required.
Note: As illustrated, the best premium options are from GEICO, State Farm, and Texas Farm Bureau for a 30 year old driver.
The list number of Texas minimum requirements is 30/60/25 which is always in thousands and since Texas is the second largest state population wise, (California is first), the minimum requirements are relatively low for a state with a high number of drivers.
Note: The cheapest carriers clustered near $1,600 for a 35 year old driver in Texas. For further details please see table below.
Cheapest Auto Insurance Companies by Rate & Age
I queried more than 20 companies in the state of Texas to find out who has the cheapest rates.
With each carrier I queried at least 5 times to get an average.
Overall the lowest quotes are offered by GEICO, Texas Farm Bureau, and State Farm.
If you shop for quotes your price could be higher or lower depending on factors such as your location, age, and past driving history.
| Texas Company | Average Annual Rate 25 Y/O Driver | 30 Y/O Driver | 35 Y/O Driver | 40 Y/O Driver | 45 Y/O Driver | 55 Y/O Driver |
|---|---|---|---|---|---|---|
| GEICO | $2,331 | $1,978 | $1,598 | $1,185 | $989 | $832 |
| Texas Farm Bureau | $2,344 | $1,987 | $1,612 | $1,232 | $1,009 | $834 |
| State Farm | $2,362 | $2,009 | $1,614 | $1,245 | $1,011 | $845 |
| Progressive | $2,387 | $2,014 | $1,616 | $1,265 | $1,023 | $867 |
| Nationwide | $2,388 | $2,034 | $1,623 | $1,278 | $1,041 | $887 |
| Mercury | $2,401 | $2,060 | $1,668 | $1,285 | $1,056 | $902 |
| Allstate | $2,489 | $2,089 | $1,679 | $1,341 | $1,078 | $904 |
| Farmers | $2,554 | $2,121 | $1,700 | $1,347 | $1,080 | $909 |
| American Family | $2,605 | $2,122 | $1,706 | $1,349 | $1,098 | $900 |
| Unitrin | $2,623 | $2,122 | $1,706 | $1,357 | $1,213 | $910 |
| Allied | $2,699 | $2,209 | $1,745 | $1,378 | $1,211 | $920 |
| MetLife | $2,749 | $2,278 | $1,778 | $1,441 | $1,211 | $921 |
| Encompass | $2,750 | $2,278 | $1,899 | $1,456 | $1,214 | $931 |
| Amica | $2,755 | $2,332 | $1,867 | $1,441 | $1,243 | $956 |
| Unitrin | $2,756 | $2,378 | $1,878 | $1,456 | $1,244 | $978 |
| 21st Century | $2,777 | $2,345 | $1,867 | $1,488 | $1,234 | $1,008 |
| Liberty Mutual | $2,788 | $2,479 | $1,943 | $1,490 | $1,256 | $999 |
| Esurance | $2,787 | $2,502 | $1,944 | $1,556 | $1,231 | $1,002 |
| Kemper | $2,805 | $2,422 | $1,942 | $1,576 | $1,230 | $1,021 |
| Safeco | $2,799 | $2,448 | $1,977 | $1,488 | $1,231 | $998 |
As recommend, no matter the state you reside in, the minimum coverage is not adequate, particularly if you have a newer model vehicle.
Policy-holders want to be sure they are covered for any unforeseen accidents.
Comprehensive & Collision Coverage
Comprehensive cover is recommended in the state of Texas since there can be harsh weather with heavy rainfall during hurricane season near Houston.
Texas also has a high rate of auto theft and if you have comprehensive cover your stolen vehicle will be covered.
If you have a newer model vehicle it would be wise to think about collision coverage too.
Even older model cars should consider have some level of collision coverage, particularly driving in big cities such as Dallas, and if you have a loan on your vehicle collision coverage is going to be required in the state of Texas.
Uninsured Motorist Protection
Uninsured motorist protection would be a good to consider since Texas has an uninsured motorist rate of one out of every ten drivers driving uninsured.
In the northern part of Texas the uninsured motorist rate is lower than in the southern part of the state.
Gap Insurance for Financed Vehicles
Texas is known for beautiful farm lands and notoriously big 4 x 4 trucks and since the majority of the vehicles are financed getting Gap insurance would be a good idea.
Gap insurance is going to cover the “gap” between the “actual value” of the vehicle and what is “left over” or the “gap” from financing the vehicle.
For example, if you vehicle has a blue book value of 18,000 dollars and you financed 24,000, but have left to pay the bank an amount of 22,000 dollars then you have a 4,000 dollar “gap”
Best Insurance Companies by Rating, Rate Change over 18 Months, and Complaints
Below is a table with the best insurance companies in Texas by rate change, complaints, and consumer rating.
The amount of written premiums is included however the important data for consumers are the latter three columns.
The amount of complaints for each insurer is normal since those with a higher amount of written premiums will have more complaints.
The rate change shouldn’t be alarming since it is within the state average.
And the data for consumer ratings is from JD Power & Associates, AM Best, and other reputable online portals to get an average.
| Texas Company | Premiums | Rate Change < 18 Months | # of Complaints | Consumer Rating out of 5 Stars |
|---|---|---|---|---|
| GEICO | $535,701,791 | +3.1% | 88 | 4.3 |
| Texas Farm Bureau | $415,641,543 | +3.4% | 76 | 4.0 |
| State Farm | $547,875,321 | +3.4% | 101 | 4.4 |
| Amica | $121,528,000 | +3.4% | 14 | 4.1 |
| USAA | $459,137,823 | +3.8% | 121 | 4.4 |
| Progressive | $631,273,206 | +3.3% | 138 | 4.5 |
| Farmers | $199,742,542 | +3.9% | 43 | 3.9 |
| Mercury | $84,920,209 | +4.1% | 23 | 4.1 |
| MetLife | $81,253,753 | +2.9% | 31 | 3.9 |
| Nationwide | $408,631,874 | +2.8% | 211 | 4.4 |
| Liberty Mutual | $134,165,829 | +2.9% | 29 | 4.4 |
| Allstate | $246,012,635 | +4.3% | 29 | 4.3 |
| 21st Century | $87,863,887 | +2.9% | 21 | 4.2 |
| Travelers | $51,504,011 | +3.1% | 8 | 4.1 |
| American Family | $78,715,033 | +2.9% | 37 | 4.4 |
| Esurance | $76,331,911 | +3.6% | 8 | 4.3 |
| Safeco | $17,456,343 | +3.5% | 6 | 3.8 |
| Ameriprise | $21,010,361 | +3.0% | 8 | 3.9 |
| State Auto | $10,243,521 | +2.6% | 9 | 3.9 |
| Kemper | $7,125,841 | +4.1% | 12 | 3.8 |
| Titan | $9,912,218 | +3.1% | 26 | 3.8 |
| Hartford | $43,954,567 | +3.4% | 48 | 4.0 |
| Horace Mann | $15,719,994 | +3.5% | 14 | 3.9 |
| Home State County | $21,854,032 | +3.8% | 31 | 3.7 |
| Allstate Indemnity Company | $32,340,768 | +4.1% | 16 | 3.8 |
Fines for Driving without Insurance
-
$150 to $450 first offense
-
Suspension of license
-
Suspension of registration
-
Requirement to file an SR-22
If you have multiple offense of driving without insurance in the state of Texas you can get up to 180 days in jail.
Average Rate by City
Included in the data below are 40 cities in the state of Texas with the average premium.
If your quotes are substantially higher than those below you may want to inquire with your current insurer.
You can look into any contributing factors such as your credit or driving history.
Some driving infractions can be used even if they happened 2 or 3 years ago.
If you would like detailed comparison by city in Texas please read further below.
| City | Average Rate | Population | City | Average Rate | Population | City | Average Rate | Population | City | Average Rate | Population |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Abilene | $1,823 | 117,063 | Bayside | $1,611 | 325 | Del Rio | $1,865 | 35,998 | Huntsville | $1,754 | 38,548 |
| Addison | $1,844 | 13,056 | Baytown | $1,763 | 71,802 | Denton | $1,887 | 113,383 | Ingleside | $1,769 | 9,387 |
| Alamo | $1,852 | 18,862 | Beaumont | $1,933 | 118,296 | Duncanville | $1,711 | 38,524 | Jasper | $1,861 | 7,590 |
| Allen | $1,763 | 18,353 | Bedford | $1,943 | 46,979 | Edinburg | $1,832 | 77,100 | Killeen | $1,893 | 127,921 |
| Angleton | $1,887 | 18,862 | Brownsville | $1,978 | 175,023 | El Campo | $1,761 | 11,602 | La Grange | $1,897 | 4,690 |
| Alvarado | $1,944 | 3,993 | Bryan | $1,951 | 76,201 | Flower Mound | $1,723 | 64,669 | Lewisville | $1,891 | 95,290 |
| Arcola | $2,076 | 2,202 | Burnet | $1,808 | 5,987 | Galveston | $1,895 | 50,550 | Lufkin | $1,751 | 35,067 |
| Bacliff | $1,954 | 8,619 | Caldwell | $2,132 | 4,326 | Grand Prairie | $1,941 | 175,396 | McKinney | $1,861 | 131,117 |
| Bayou Vista | $1,765 | 1,537 | Cedar Hill | $1,965 | 45,028 | Greenville | $2,004 | 25,557 | Mesquite | $1,769 | 139,824 |
| Bay City | $1,843 | 17,614 | Cleburne | $1,945 | 30,223 | Harlingen | $1,954 | 64,849 | Odessa | $1,892 | 99,940 |
Dallas, TX
Residents of Dallas can find cheap car insurance if they get quotes from GEICO, Texas Farm Bureau, and State Farm.
I queried each at $1,411, $1,487, and $1,490 respectfully for a 30 year old driver.
This is 29% lower than the average insurance rate of nearly $2,000 per year.
Progressive and Nationwide are well below the “mean” rate clustering just under $1,600 per year.
For a 45 year old driver I found the lowest rates are offered by GEICO at $1,008 per year for full coverage.
This is nearly 50% lower than the average rate of Dallas.
Texas Farm Bureau and State Farm are worth getting quotes from since both are well below the average rate.
A family of 4 should get quotes from all insurers illustrated for maximum savings and optimum coverage.
Each insurer will independently find a quote which is tailored to a family’s needs.
| Dallas Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| GEICO | $1,411 | $1,008 |
| Texas Farm Bureau | $1,487 | $1,032 |
| State Farm | $1,490 | $1,090 |
| Progressive | $1,564 | $1,122 |
| Nationwide | $1,587 | $1,143 |
| Mercury | $1,688 | $1,156 |
| Allstate | $1,690 | $1,189 |
| Farmers | $1,754 | $1,214 |
| American Family | $1,888 | $1,356 |
With more than 1.2 million residents, Dallas is one of the largest cities in the United States, and is located at the center of the Dallas-Fort Worth-Arlington metropolitan area.
It is home to many Fortune 500 companies, including Halliburton, Southwest Airlines, and Texas Instruments.
Founded by John Neely Bryan in 1841, today it is a center for arts and culture.
Houston, TX
Getting cheap auto insurance is easy for residents if they know where to look.
The cheapest carriers I queried are Progressive, Texas Farm Bureau, and GEICO.
I queried each at $1,411, $1,423, and $1,476 respectfully.
In my list of top 5 for a 30 year old driver includes Mercury at $1,534.
This is more than 25% lower than the average rate of $2,090 in Houston.
A 45 year old driver can find affordable car insurance with Progressive, Texas Farm Bureau, and GEICO.
Each of them clustered under the $1,100 mark.
This is over 35% lower than the “mean” rate. State Farm, Mercury, and Nationwide are not far behind with quotes below the $1,200 mark.
A family of 4 should consider getting quotes from all 5 insurance firms illustrated.
Farmers and American Family are higher than other insurers I queried, but well below the average rate.
Therefore both should be considered when looking for a premium for optimum coverage at a low cost.
| Houston Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Progressive | $1,411 | $1,007 |
| Texas Farm Bureau | $1,423 | $1,043 |
| GEICO | $1,476 | $1,078 |
| State Farm | $1,490 | $1,132 |
| Mercury | $1,534 | $1,163 |
| Nationwide | $1,590 | $1,178 |
| Allstate | $1,611 | $1,190 |
| Farmers | $1,654 | $1,216 |
| American Family | $1,782 | $1,289 |
Houston was founded by two New York real estate promoters, John Kirby Allen and Augustus Chapman Allen, who purchased the land in 1836 and founded a town named after Sam Houston.
The city was incorporated in 1837 and was the capital of the Republic of Texas until early 1839, when the capital was moved to Austin.
Austin, TX
The average premium in Austin is over $2,000 per year. I queried top carriers and found quotes 40% lower on average.
At the top of the list is Texas Farm Bureau, GEICO, and Progressive.
Each at $1,232, $1,267, and $1,267 respectfully for a 30 year old driver.
State Farm and Mercury are under the $1,400 mark which is nearly 30% lower than the average rate.
For a 45 year old driver I found two car insurance firms under $1,000 – GEICO and Texas Farm Bureau.
Progressive and State Farm are not far behind clustering under the $1,100 mark.
A family of 4 should be able to find affordable insurance rate for any of the 10 carriers I queried.
All of them landing at least 16% lower than then “mean” rate of Austin.
| Austin Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Texas Farm Bureau | $1,232 | $932 |
| GEICO | $1,267 | $987 |
| Progressive | $1,267 | $1,009 |
| State Farm | $1,345 | $1,076 |
| Mercury | $1,378 | $1,103 |
| Nationwide | $1,427 | $1,143 |
| Allstate | $1,487 | $1,176 |
| Farmers | $1,505 | $1,213 |
| American Family | $1,550 | $1,214 |
Austin has nearly 1 million residents and is considered the live music capital of the world which boasts over a hundred live music venues.
Austin was founded as the village of Waterloo in 1837.
Waterloo was chosen to become the capital of the Republic of Texas in 1839.
San Antonio, TX
Getting the lowest premium for residents of San Antonio is pretty easy if you get quotes from Progressive, Texas Farm Bureau, and GEICO.
Each of the carriers clustered under the $1,400 mark for a 30 year old driver.
This is 25% lower than the city average of $2,000 per year.
State Farm and Mercury are just over $1,500 per year for full coverage.
A 45 year old driver can find inexpensive insurance with Texas Farm Bureau, GEICO, and Progressive.
I queried each at $1,007, $1,043, and $1,078 respectfully.
Or more than 40% lower than the “mean” rate.
All of the 10 carriers I queried are at least 26% lower than the “mean” rate and should be considered when trying to lower your auto premium.
| San Antonio Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Progressive | $1,409 | $1,021 |
| Texas Farm Bureau | $1,444 | $1,054 |
| GEICO | $1,487 | $1,089 |
| State Farm | $1,500 | $1,156 |
| Mercury | $1,532 | $1,167 |
| Nationwide | $1,589 | $1,189 |
| Allstate | $1,600 | $1,243 |
| Farmers | $1,698 | $1,267 |
| American Family | $1,743 | $1,330 |
With nearly 1.5 million residents San Antonio has become a tourist hub of Texas.
The famed RiverWalk (Paseo Del Rio) takes visitors along 3 miles of cool shady pathways lined with unique quaint shops, cafes, restaurants, and nightclubs.
During holiday period, the RiverWalk undergoes a wonderful transformation, becoming an impressive light festival.
El Paso, TX
El Paso’s average auto insurance rates are high compared to the U.S. average hovering at $2,100 per year.
I found the top 5 illustrated are 25% lower than then average rate.
If want the cheapest rates start with Progressive since I was offered a quote at $1,423 for a 30 year old driver with decent driving history.
Texas Farm Bureau and State Farm offered similar, but a little higher, quote at $1,441 and $1,465 respectfully.
GEICO and Mercury clustered near the $1,500 mark for a 30 year old.
A 45 year old driver can find the same low rates with Progressive, Texas Farm Bureau, and State Farm.
With each clustering at $1,050 mark for a 45 year old.
Although during our queries for El Paso Progressive was the cheapest, this doesn’t mean not to get quotes from the others down the list illustrated in the table and/or chart.
| El Paso Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Progressive | $1,423 | $1,034 |
| Texas Farm Bureau | $1,441 | $1,056 |
| State Farm | $1,465 | $1,087 |
| GEICO | $1,490 | $1,093 |
| Mercury | $1,501 | $1,132 |
| Nationwide | $1,556 | $1,176 |
| Allstate | $1,604 | $1,206 |
| Farmers | $1,645 | $1,254 |
| American Family | $1,708 | $1,290 |
El Paso is the 6th largest city in the state of Texas with nearly 700,000 residents.
The comfortably dry heat of the El Paso sun allows outdoor recreation throughout the year.
El Paso is known for wonderful and breathtaking golf courses, including highly-acclaimed Painted Dunes.
Fort Worth
Drivers in Forth Worth can find the lowest premiums with Texas Farm Bureau, Progressive, and State Farm.
I queried each at $1,236, $1,355, and $1,426 per year for a 30 year old driver.
Which is 16% to 27% lower than the “mean” rate of a driver with a similar profile.
Since the average premium is $1,680 per year any of the insurers illustrated are worth getting quotes.
Each carrier is at least 10% lower than the average premium.
A 45 year old can get the cheapest prices with TX Farm Bureau, Progressive, and State Farm.
Each queried at $987, $1,008, and $1,043 respectfully for full coverage.
All three carriers are more than 25% lower than the citywide average premium.
| Fort Worth Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Texas Farm Bureau | $1,236 | $987 |
| Progressive | $1,355 | $1,008 |
| State Farm | $1,426 | $1,043 |
| Mercury | $1,487 | $1,097 |
| Nationwide | $1,552 | $1,132 |
| GEICO | $1,574 | $1,176 |
The 5th largest city in Texas is Forth Worth with over 850,000 residents and covering over 350 square miles.
Named after Texas army commander William J. Worth, the city was founded during the Mexican War in 1849 as a military outpost.
Fort Worth steadily grew as a center for cattle and meatpacking, first as a supply center along the Chisholm cattle trail, later with the completion of America’s first railroad in 1876.
Arlington
Arlington drivers can find the cheapest premiums with TX Farm Bureau, Progressive, and State Farm.
I queried each at $1,311, $1,324, and $1,480 per year for a 30 year old driver.
Each are 10% to 20% lower than the Arlington average of $1,632 per year.
Mercury is another carrier which is 7% lower than average making them a company worth getting quote from.
A 45 year old can get the least expensive quotes with Texas Farm Bureau.
I queried them at $1,032 per year for full coverage.
Which is 23% lower than the average premium for a driver of similar age and profile.
In fact, a 45 year old should compare all carrier illustrated to find the most savings and optimum coverage.
| Arlington Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Texas Farm Bureau | $1,311 | $1,032 |
| Progressive | $1,324 | $1,055 |
| GEICO | $1,436 | $1,128 |
| State Farm | $1,480 | $1,200 |
| Mercury | $1,556 | $1,215 |
| Nationwide | $1,600 | $1,280 |
Arlington is the 7th largest city in the state and is part of the metropolitan area of Dallas-Fort Worth which is nearly 7 million residents.
Home to one of the most prestigious engineering colleges, the University of Texas, other major corporations call Arlington home such as General Motors and National Semiconductor.
Corpus Christi
Drivers in Corpus Christi can find the lowest quotes with TX Farm Bureau, Progressive, and State Farm.
I queried each at $1,187, $1,235, and $1,400 per year for a 30 year old driver.
Which is 14% to 27% lower than the citywide average premium of $1,607.
All carriers illustrated are at least 8% lower than the “mean” rate.
A 45 year old can get affordable quotes with TX Farm Bureau and Progressive.
Each queried at $903 and $955 respectfully for full coverage.
Which is 26% to 29% lower than the average premium for a driver of similar age and profile.
A 45 y/o driver with good driving history should be able to get quotes below $1,000 in Corpus Christi.
| Corpus Christi Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Texas Farm Bureau | $1,187 | $903 |
| Progressive | $1,235 | $955 |
| GEICO | $1,327 | $980 |
| State Farm | $1,400 | $1,065 |
| Mercury | $1,440 | $1,144 |
| Nationwide | $1,511 | $1,200 |
Corpus Christi, meaning the body of Christ in Latin, was founded in 1839 with less than 100 residents.
Today there are nearly 325,000 and is considered on the most beautiful cities on the coast of Texas.
Plano
When I queried for quotes for a 30 year old driver in Plano I found the cheapest to be Progressive, TX Farm Bureau, and Mercury.
I queried each at $1,322, $1,336, and $1,409 per year for full coverage.
Which is 12% to 17% lower than the average premium of $1,580 in Plano.
There are a few carriers which offered quotes near or above the “mean” rate.
A 45 year old can get the cheapest premium with Progressive and TX Farm Bureau.
I queried each at $985 and $1,045 per year for full coverage.
Which is 19% to 21% lower than the average premium for a similar age driver in Plano.
Some of the insurers are near or above the average premium, however, getting quotes from them are free and therefore you should consider them when shopping for a new policy.
| Plano Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Progressive | $1,322 | $985 |
| Texas Farm Bureau | $1,336 | $1,045 |
| Mercury | $1,409 | $1,080 |
| GEICO | $1,456 | $1,132 |
| State Farm | $1,530 | $1,187 |
| Nationwide | $1,558 | $1,203 |
The only city in Texas with a AAA bond rating is Plano.
Incorporated as a city in 1873 with only a few hundred residents, today, it boasts 270,000 residents.
Plano’s economy is thriving and the government is interested in forming successful partnerships with local businesses.
Laredo
Drivers in Laredo can get the cheapest quotes with TX Farm Bureau, Progressive, and Mercury.
I queried each at $1,106, $1,180, and $1,255 per year for a 30 year old driver.
Which is 20% to 30% lower than the average premium of $1,554 in Laredo.
All the insurers illustrated are below the “mean” quote and therefore should be considered when shopping for quotes.
A 45 year old can get low quotes with TX Farm Bureau. I queried them at $897 which is 35% lower than the average premium.
Any of the carriers illustrated for a 45 year old are worth comparing quotes to find optimum coverage and maximize savings.
| Laredo Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Texas Farm Bureau | $1,106 | $897 |
| GEICO | $1,144 | $943 |
| Progressive | $1,180 | $1,032 |
| Mercury | $1,255 | $1,068 |
| State Farm | $1,328 | $1,143 |
| Nationwide | $1,407 | $1,170 |
Laredo was settled in 1755 with less than 100 residents.
Today, it is the 10th most populated city in the state with a population of approximately 240,000 people.
Since the 1990’s, Laredo’s economy is based on international trade with Mexico.
Lubbock
Drivers in Lubbock can find the cheapest quotes with TX Farm Bureau, Progressive, and Mercury.
Each queried at $1,125, $1,155, and $1,208 per year for a 30 year old driver.
Which is 20% to 24% lower than the citywide premium of $1,508.
All of the insurers illustrated are at least 11% lower than the “mean” rate.
A 45 year old can get affordable quotes with Farm Bureau and Progressive.
I queried each at $901 and $935 per year for full coverage. Which is 25% to 27% lower than the average policyholder in Lubbock.
There are four carriers which are below $1,000 and all of them are worth getting quotes from.
| Lubbock Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Texas Farm Bureau | $1,125 | $901 |
| Progressive | $1,155 | $935 |
| Mercury | $1,208 | $965 |
| GEICO | $1,235 | $990 |
| State Farm | $1,307 | $1,087 |
| Nationwide | $1,356 | $1,105 |
One of the fastest growing cities in the state is Lubbock.
Settled in 1890 and incorporated as city in 1909, today it has nearly 250,000 residents with projections of 340,000 in the near future.
The area is the largest contiguous cotton-growing region in the world.
Irving
To find the least expensive quotes in Irving start with TX Farm Bureau, Progressive, and State Farm.
I queried each at $1,121, and $1,154, and $1,236 respectfully per year for a 30 year old driver.
Which is 20% to 27% lower than the citywide average quote of $1,527 per year.
In fact, all the insurers illustrated are at least 7% lower than the “mean” quote in Irving.
A 45 year old can get affordable quotes with Farm Bureau and Progressive.
Each queried at $870 and $904 per year for full coverage. Which is 27% to 31% lower than the average policyholder.
With quotes clustering between $870 and $1,080 it would make sense to get an idea what your premium may be with any of the insurers illustrated.
| Irving Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Texas Farm Bureau | $1,121 | $870 |
| Progressive | $1,154 | $904 |
| State Farm | $1,236 | $943 |
| Mercury | $1,387 | $980 |
| GEICO | $1,400 | $1,043 |
| Nationwide | $1,438 | $1,080 |
Irving began in 1889 as a settlement called Gorbit.
In 1894 the name of the settlement was changed to Kit, and its location was shifted to accommodate an anticipated railroad route.
Today, Irving is the 13th most populated city in the state with approximately 240,000 residents.
Garland
Drivers can find a cheap premium in Garland if they get quotes from TX Farm Bureau, Progressive, and Mercury.
I queried each at $1,078, $1,100, and $1,154 per year for a 30 year old driver.
Which is 26% to 31% lower than the “mean” rate of $1,550 per year.
I found quotes clustering between $1,078 and $1,154 then jumping up significantly for other carriers.
However, this shouldn’t deter you since all of them are at least 10% lower that the average rate.
For a 45 year old I found quotes clustering between $862 and $1,052.
With Farm Bureau the cheapest at $862. Which is 33% lower than the citywide average premium.
With a variance of $190 among all carriers illustrated this could mean more than 25% in price.
Which would make sense to compare quotes to find the most savings.
| Garland Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Texas Farm Bureau | $1,078 | $862 |
| Progressive | $1,100 | $897 |
| Mercury | $1,154 | $921 |
| State Farm | $1,238 | $938 |
| GEICO | $1,369 | $987 |
| Nationwide | $1,400 | $1,052 |
One of the most family friendly cities in Texas is Garland.
Incorporated as city in 1891 with less than 1,000 residents, today, there are nearly 230,000 people residing in Garland.
Most of the city resides in the Dallas-Forth Worth metropolitan area.
There is ease of access to downtown Dallas through Blue Dart stations and buses.
Resources & DMV Information
| Department of Insurance | Department of Transportation | Department of Motor Vehicles |
|---|---|---|
| 333 Guadalupe St, Austin, TX 78701 (800) 578-4677 | 1009 Court St, Newton, TX 75966 (409) 379-4681 | 1925 E Belt Line Rd #100, Carrollton, TX 75006 (972) 478-5200 |
| Website | Website | Website |
Sources
https://www.safeauto.com/state-insurance/texas-auto-insurance
https://www.allstate.com/auto-insurance/texas-auto-insurance-coverages.aspx
https://www.thesimpledollar.com/best-car-insurance-in-texas/
