Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 31, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.


Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

Compare RatesStart Now →

AutoInsureSavings.org licensed agents analyzed the cheapest car insurance companies in Texas and found Fred Loya Insurance provides the cheapest state minimum rate at $539 per year or 40% less expensive than average rates of $896 per year.

At $1,130 per year, Mercury Insurance provides cheap car insurance for Texas drivers for full coverage or 51% cheaper than state average rates of $2,267 per year.

Table of Contents

Affordable Texas Car Insurance Rates

Texas insurance shoppers should compare quotes with the same insurance coverage level with at least three insurance companies to find the best rate and save more on their auto insurance premiums.

Cheapest Car Insurance in Texas - Key Takeaways
AutoInsureSavings.orgThe cheapest Texas car insurance options are:

Cheapest for minimum coverage: Fred Loya Insurance
Cheapest for full coverage: Mercury Insurance
Cheapest after an at-fault accident: Fred Loya Insurance
Cheapest after a speeding ticket: State Farm
Cheapest after a DUI: Mercury Insurance
Cheapest for poor credit history: GEICO
Cheapest for young drivers: State Farm
For younger drivers with a speeding violation: Mercury Insurance
For younger drivers with an at-fault accident: State Farm

Compare RatesStart Now →

Enter your Zip Code or use this practical Texas auto insurance guide which is the best way to find top car insurance providers in your area regardless of driving type or age groups.

Cheapest car insurance in Texas with Fred Loya Insurance, State Farm, and Texas Farm Bureau compared with average rates.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheapest Car Insurance in Texas for Minimum Coverage

Fred Loya Insurance offers the cheapest minimum coverage rates for drivers in Texas with a good driving record, which provided us a $539 per year rate or $357 cheaper than the $896 average rates for our 30-year-old sample driver.

Suppose you are a military member or a family member of military personnel. In that case, your best insurance rates are with USAA, which offered our agents a $457 per year quote or $38 per month for minimum liability coverage.

Cheapest Texas auto insurance companies for minimum coverage, by price

Insurance companyAverage annual premium
USAA$457
Fred Loya Insurance$539
State Farm$568
Texas Farm Bureau$615
Elephant$689
Mercury$728
Nationwide$839
GEICO$910
Allstate$1,047
Liberty Mutual$1,243

Compare RatesStart Now →

*USAA is for qualified military members, their spouses, and direct family members. Your auto insurance rates may vary based on driver profiles.

Buying a minimum coverage policy is the cheapest way to meet Texas car insurance requirements to ensure you stay legal.

State minimums may not have sufficient coverage with the amount of bodily injury and property damage you need if you are involved in an auto accident.

A state minimum auto policy only covers up to $60,000 per accident in bodily injury coverage and $25,000 per accident in property damage liability.

Cheapest Full Coverage Car Insurance in Texas

Mercury Insurance offers the cheapest insurance rates for Texas drivers with full coverage. Mercury’s $1,130 per year rate is 51% less expensive than state average rates of $2,267 per year. 

Cheapest Texas car insurance companies for full coverage, by price

Insurance companyAnnual costMonthly cost
Mercury Insurance$1,130$94
Fred Loya Insurance$1,165$97
Texas Farm Bureau$1,244$103
State Farm$1,287$107
USAA$1,317$109
Elephant$1,680$140
GEICO$2,056$171
Liberty Mutual$2,317$193
Dairyland$2,865$238
Texas average$2,267$188

Compare RatesStart Now →

A full-coverage policy costs more than liability-only policies but offers more asset protection with comprehensive and collision insurance included. Your motor vehicle is protected no matter who is at fault or any inclement weather caused the damage, such as hurricanes.  

Cheapest Car Insurance in Texas with a Speeding Ticket

State Farm offers the cheapest auto insurance quotes for drivers in Texas with speeding tickets on their driving record. State Farm’s $1,328 per year rate is 49% or $1,245 less expensive than state average rates.

Cheapest Texas car insurance companies for full coverage after a speeding ticket, by price

Insurance companyAnnual costMonthly cost
State Farm$1,328$110
Fred Loya Insurance$1,389$115
Texas Farm Bureau$1,467$122
Mercury Insurance$1,576$131
USAA$1,624$135
GEICO$2,090$174
Elephant$2,128$177
Allstate$2,890$240
Dairyland$3,278$273
Texas average$2,573$214

Compare RatesStart Now →

According to the Texas Department of Insurance, your auto insurance rates can increase by $306 per year or 12% with one traffic violation for speeding.  

Most auto insurers will increase insurance rates after traffic tickets, so you want to make sure to shop around for cheaper insurance companies after any traffic violation on driving records. 

Cheapest Car Insurance in Texas With a Car Accident

According to our analysis, Fred Loya Insurance offers the cheapest auto insurance rates for drivers in Texas with an accident history with a $1,516 per year car insurance premium for our sample driver. 

Fred Loya’s rate is 49% less expensive than Texas average rates ($2,917 per year) for drivers with one accident in their driving history.

Cheapest Texas auto insurance companies for full coverage after an accident, by price

Auto InsurersAnnual costMonthly cost
Fred Loya Insurance$1,516$126
State Farm$1,987$165
Mercury Insurance$2,080$173
USAA$2,126$177
GEICO$2,365$197
Texas Farm Bureau$2,754$228
Elephant$3,180$265
Dairyland$3,372$281
Allstate$4,543$378
Texas average$2,917$243

Compare RatesStart Now →

Getting into an at-fault accident may cause a rate increase of 33% or $650 per year over three years, showing the importance of shopping for cheaper auto insurance if you have a change on your driving record.

To make sure you get the best rates, be sure to shop around and compare auto insurance quotes with at least three car insurance companies after a car accident.

Cheapest Car Insurance in Texas with a DUI

Drivers in Texas with DUI offenses on their driving records can find the cheapest insurance with Mercury, which provided our insurance agents a quote at $2,047 per year or a $170 monthly rate for full coverage.

The average annual rate increase for drivers with DUI violations is $1,411 per year, making Mercury’s rate 45% cheaper than Texas’s average DUI rate. 

Cheapest Texas auto insurance companies for full coverage after a DUI, by price

Insurance companyAnnual costMonthly cost
Mercury Insurance$2,047$170
Fred Loya Insurance$2,156$180
USAA$2,423$201
Dairyland$3,278$273
GEICO$3,543$295
State Farm$3,648$304
Texas Farm Bureau$3,936$328
Elephant$4,461$371
Allstate$5,380$448
Texas average$3,678$306

Compare RatesStart Now →

According to the Insurance Information Institute, car insurance premiums increase by 39% on average for Texas drivers with driving while intoxicated violations (DUI’s).

Along with higher car insurance rates, the Texas Department of Transportation states you may have a suspended driver’s license for up to one year, a required ignition interlock device (IID), required defensive driving course, and fines up to $6,000 after a DUI infraction in Texas. 

Cheapest Car Insurance in Texas for Drivers With Poor Credit

GEICO provides the cheapest insurance for drivers with a poor credit score in Texas with a $1,976 per year rate for full coverage or 26% less expensive than the average bad credit rate increase in Texas of $2,657 per year. 

Cheapest Texas auto insurance companies for drivers with poor credit, by price

Auto InsurersAnnual costMonthly cost
GEICO$1,976$164
State Farm$2,054$171
Fred Loya Insurance$2,088$174
USAA$2,143$178
Mercury Insurance$2,437$203
Texas Farm Bureau$2,519$209
Dairyland$2,985$249
Elephant$3,521$293
Allstate$3,863$321
Texas average$2,657$221

Compare RatesStart Now →

AutoInsureSavings.org analysis shows Texas drivers who have a poor credit score will pay on average 16% more for car insurance premiums. And drivers with poor credit are more likely to file a claim or get involved in an at-fault accident than drivers with a good credit score.

For that reason, their auto insurance costs are higher than average. Make sure to maintain good credit scores, pay credit cards and student loans on time to ensure your car insurance rates won’t increase at renewal. 

Cheapest Car Insurance in Texas for Young Drivers

We found young Texas drivers looking for the cheapest full coverage insurance is with State Farm Insurance, which provided our agents a $3,865 per year quote or 26% less expensive than our sample young driver’s average insurance rates in Texas. 

USAA is the best car insurance option for younger drivers who qualify, which offered AutoInsureSavings’ agents a $2,476 per year rate for full coverage car insurance.

The cheapest state minimum coverage in Texas for teenage drivers is Mercury Insurance, which offered us a quote at $1,587 per year or 23% cheaper than average rates. The next best option for younger drivers is Texas Farm Bureau, with a $1,634 per year rate for minimum liability coverage. 

Cheapest Texas auto insurance companies for young drivers, by price

Auto InsurerFull coverageMinimum coverage
USAA$2,476$954
State Farm$3,865$1,652
Fred Loya Insurance$3,916$1,976
GEICO$4,164$2,240
Mercury$4,287$1,587
Texas Farm Bureau$4,891$1,634
Dairyland$5,329$2,388
Allstate$6,481$2,390
Nationwide$7,128$3,287
Liberty Mutual$8,328$4,265
Texas average$5,132$2,041

Compare RatesStart Now →

*USAA is for qualified military members, their spouses, and direct family members. Your insurance rates may be different based on driver profiles.

Statistics show a teen driver is more prone to car accidents than older experience drivers, making car insurance rates higher. Our licensed agents recommend younger drivers in Texas buy full coverage auto insurance policies to have motor vehicle coverage in an auto accident as an added layer of protection.

It is best to shop around to find an insurance company that offers the cheapest insurance rates for young or teen drivers in the Lone Star State, such as State Farm, Mercury Insurance, or Texas Farm Bureau, to cut down on your car insurance costs.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

Young Texas drivers with a speeding violation should look to Mercury for the cheapest auto insurance coverage in Texas. Mercury’s average car insurance cost is $4,276 per year or $1,360 less per year for car insurance policies in Texas with comprehensive and collision coverage for young drivers. 

Cheapest insurance companies in Texas for young drivers with a speeding ticket

Auto InsurerAnnual costMonthly cost
Mercury Insurance$4,276$356
State Farm$4,380$365
Fred Loya Insurance$4,587$382
GEICO$5,180$431
Texas Farm Bureau$5,535$461
Texas average$5,639$470

Compare RatesStart Now →

Cheapest Car Insurance for Young Drivers with an At-Fault Accident

Young drivers in Texas with an accident history can find the best auto insurance premiums with State Farm, which provided our agents a $4,870 per year rate for full coverage insurance.

State Farm’s at-fault accident rate is 26% cheaper than Texas’s average rates of $6,540 per year for teen drivers with an accident. 

Auto InsurerAnnual costMonthly cost
State Farm$4,870$405
Mercury Insurance$4,937$411
Fred Loya Insurance$5,176$431
GEICO$5,879$489
Texas Farm Bureau$6,187$515
Texas average$6,540$545

Compare RatesStart Now →

Best Car Insurance Companies in Texas

AutoInsureSavings.org team of licensed insurance agents rated the best car insurance companies in Texas by customer satisfaction, surveys, J.D. Powers claims satisfaction score, A.M. Best, and the National Association of Insurance Commissioners (NAIC) complaint index.

We found that Allstate and USAA are the best insurance companies based on excellent customer service, claims satisfaction, and NAIC’s complaint index. 

AutoInsureSavings.org licensed agents had similar results from their recent Texas car insurance customer survey, with Allstate and USAA scoring 91% with customers in claims satisfaction. 

Company% respondents satisfied with recent claim% respondents rated customer service excellent
Allstate91%67%
USAA91%71%
Nationwide89%53%
State Farm82%69%
Farmers Insurance80%54%
GEICO76%60%
Dairyland71%63%
Progressive65%45%
Texas Farm Bureau Insurance64%71%
Fred Loya Insurance53%61%

Compare RatesStart Now →

Our licensed insurance agents also collected information on each insurance company in Texas from the NAIC, J.D. Power, and A.M. Best’s financial strength ratings. 

The car insurance company with the lowest NAIC complaint ratio is Farmers Insurance, with a 0.14 complaint ratio compared to their market share and below the national average of 1.00. The stand out is Fred Loya Insurance, with a 1.71 complaint index, well above the national average of 1.00. 

CompanyNAIC complaint indexJ.D. Power claims satisfactionAM Best rating
Farmers Insurance0.14812A-
Chubb0.23810A++
Progressive0.34848A+
Nationwide0.34820A+
GEICO0.35846A++
Texas Farm Bureau Insurance0.36866A-
Allstate0.63832A+
State Farm0.66844A
USAA0.68878A++
MetLife0.77813A
Liberty Mutual0.79837A
Dairyland (Sentry Insurance)0.88n/aA+
Fred Loya Insurance1.71n/aNR

Compare RatesStart Now →

The NAIC’s complaint ratio compares the number of complaints an auto insurer has based on the Texas market share. Any car insurance provider below 1.00 is better than the national average.

USAA and Texas Farm Bureau have the highest J.D. Power claims satisfaction scores of 878 and 866, respectfully. 

A.M. Best financial strength ratings are a grade describing an auto insurer’s financial health and their ability to pay out claims.

While comparison shopping for car insurance companies in Texas, it is essential to remember that many factors contribute to your premium cost. Your age, driving experience, and even your credit score can influence your total monthly or annual cost.

It is always best for drivers in Texas to compare car insurance plans to find the best company that offers the lowest insurance rate.

Average Cost of Car Insurance by City in Texas

We collected insurance quotes from Texas zip codes from top insurance companies and found average rates can vary by $803 per year. Typically, you will pay higher insurance rates if you live in urban cities rather than the state’s rural areas. Your Texas insurance rate is based not only on your zip code but also on the type of vehicle, driver history, liability coverage limits, marital status, and many other risk factors.

Cheapest Car Insurance in Houston, TX

Drivers in Houston, Texas, can find the cheapest insurance quotes with Texas Farm Bureau, which provided AutoInsureSavings.org agents a rate of $1,639 per year with $500 deductibles for comprehensive and collision coverage. Texas Farm Bureau’s quote is 42% less expensive than Houston’s average rates.

Houston CompanyAverage Premium
Texas Farm Bureau$1,639
State Farm$1,883
Fred Loya Insurance$1,948
Houston average$2,819

Compare RatesStart Now →

Cheapest Car Insurance in San Antonio, TX

Drivers in San Antonio can look to Mercury for the cheapest auto quotes, with a rate of $1,598 per year with full coverage insurance. Mercury’s rate is 41% cheaper than San Antonio’s $2,743 average rates for 30-year-old drivers.  

San Antonio CompanyAverage Premium
Mercury Insurance$1,598
State Farm$1,810
GEICO$2,043
San Antonio average$2,743

Compare RatesStart Now →

Cheapest Car Insurance in Dallas, TX

Good drivers in Dallas, Texas, can find the cheapest full coverage with Fred Loya Insurance, which offered us a $1,653 per year rate for our sample 30-year-old driver with comprehensive and collision $500 deductibles. Fred Loya’s car insurance rate is $1,149 less per year than Dallas’s average rates of $2,802 per year. 

Dallas CompanyAverage Premium
Fred Loya Insurance$1,653
Texas Farm Bureau$1,956
State Farm$2,241
Dallas average$2,802

Compare RatesStart Now →

Cheapest Car Insurance in Austin, TX

Our insurance agents found the cheapest auto insurance rate in Austin, Texas, is Mercury, with a $1,576 per year rate for a full coverage auto insurance policy. Mercury’s quote is 43% less expensive than Austin’s average rates.

Austin CompanyAverage Premium
Mercury Insurance$1,576
Texas Farm Bureau$1,647
State Farm$1,875
Austin average$2,730

Compare RatesStart Now →

Cheapest Auto Insurance in Fort Worth, TX

Drivers in Fort Worth can get cheaper auto insurance with State Farm, which provided our licensed agents a $1,479 per year rate for a full coverage insurance policy with $100,000 in liability insurance. State Farm’s quote is 44% less expensive than the average rates in Fort Worth, Texas.  

Fort Worth CompanyAverage Premium
State Farm$1,470
Texas Farm Bureau$1,577
GEICO$2,048
Fort Worth average$2,617

Compare RatesStart Now →

Cheapest Auto Insurance in El Paso, TX

Good drivers in El Paso, Texas, can find the least expensive auto insurance policy with Fred Loya, which offered us a $1,317 per year rate for our sample 30-year-old male driver. Fred Loya’s full coverage quote is 48% cheaper than El Paso, TX average rates.

El Paso CompanyAverage Premium
Fred Loya$1,317
Texas Farm Bureau$1,511
State Farm$1,637
El Paso average$2,511

Compare RatesStart Now →

Cheapest Car Insurance in Arlington, TX

Drivers in Arlington can shop around and get cheap auto insurance with Texas Farm Bureau, which provided our licensed agents a $1,586 annual rate for a full coverage policy with $100,000 in liability insurance. Farm Bureau’s quote is 42% less expensive than the average rates in Arlington, TX.

Arlington CompanyAverage Premium
Texas Farm Bureau$1,586
State Farm$1,729
GEICO$2,043
Arlington average$2,703

Compare RatesStart Now →

Average Car Insurance Cost for All Cities in Texas

CityAverage annual premiumCityAverage annual premium
Houston$2,819Brownsville$2,498
San Antonio $2,743McKinney$2,513
Dallas$2,802Frisco$2,623
Austin$2,730Pasadena$2,582
Fort Worth $2,617Killeen$2,253
El Paso$2,511Mesquite$2,471
Arlington $2,703McAllen$2,283
Corpus Christi $2,439Midland$2,291
Plano $2,667Denton$2,118
Laredo $2,435Waco$2,215
Lubbock$2,291Carrollton$2,005
Irving $2,480Round Rock$2,387
Garland$2,517Abilene$2,054
Amarillo $2,399Pearland$2,398
Grand Prairie$2,474Odessa$2,118
Sugar Land car insurance$2,253Cross Mountain car insurance$2,361
Beaumont car insurance$2,283Doolittle car insurance$2,215
Richardson car insurance$2,316Llano car insurance$2,324
The Woodlands car insurance$2,376Poteet car insurance$2,331
College Station car insurance$2,118Piney Point Village $2,316
Lewisville car insurance$2,412Sonora car insurance$2,377
Tyler car insurance$2,309Karnes City car insurance$2,054
Wichita Falls car insurance$2,377Clifton car insurance$2,283
League City car insurance$2,215Kenedy car insurance$2,005
Allen car insurance$2,331Mabank car insurance$2,291
San Angelo auto insurance$2,291Spearman auto insurance$2,316
Edinburg auto insurance$2,361Winnsboro auto insurance$2,253
Conroe auto insurance$2,324West Orange auto insurance$2,054
Bryan auto insurance$2,118Hollywood Park auto insurance$2,324
Mission auto insurance$2,253Edcouch auto insurance$2,316
Longview auto insurance$2,283West Lake Hills auto insurance$2,331
Atascocita auto insurance$2,054Reno auto insurance$2,215
New Braunfels car insurance$2,291Paloma Creek car insurance$2,118
Pharr car insurance$2,324Citrus City car insurance$2,309
Baytown car insurance$2,316Balcones Heights car insurance$2,365
Flower Mound car insurance$2,331Sonterra car insurance$2,118
Cedar Park car insurance$2,361Lavon car insurance$2,291
Temple car insurance$2,005Agua Dulce car insurance$2,253
Missouri City$2,324Mauriceville$2,324
Georgetown$2,377Big Lake$2,283
North Richland Hills$2,215Cactus$2,331
Mansfield$2,253Bullard$2,316
Victoria$2,283El Cenizo city$2,324
Harlingen$2,118Panorama Village$2,361
Rowlett$2,291Shepherd$2,054
San Marcos$2,309Haskell$2,316
Pflugerville$2,324Laguna Vista$2,005
Spring$2,412Oak Ridge North$2,377
Euless$2,054Clarksville$2,291
Port Arthur$2,331San Saba$2,118
Leander$2,361Hideaway$2,192
Grapevine$2,291Waller$2,283
DeSoto$2,377Olney$2,309
Galveston$2,324Grand Saline$2,412
Wylie$2,118Oak Trail Shores$2,253
Bedford$2,192Annetta$2,054
Texas City$2,283Bishop$2,354
Cedar Hill$2,253Brazoria$2,331
Keller$2,357Howe$2,291
Little Elm$2,331Needville$2,054
Burleson$2,309Double Oak$2,118
Haltom City$2,005Kemah$2,192
Rockwall$2,291Henrietta$2,283
Channelview$2,324Wimberley$2,377
The Colony$2,283Canadian$2,331
Kyle$2,118Edgecliff Village$2,005
Sherman$2,377Castroville$2,309
Coppell$2,354Abernathy$2,192
Huntsville$2,331Chandler$2,283
Schertz$2,291Salado$2,005
Weslaco$2,192Indian Hills$2,324
Friendswood$2,412Early$2,118
Duncanville$2,054Blue Mound$2,253
Lancaster$2,005Hamilton$2,291
Farmers Branch$2,253Combes$2,331
Hurst$2,291Reno city$2,354
Mission Bend$2,309Nocona$2,377
Rosenberg$2,283Lopezville$2,464
San Juan$2,324South Alamo$2,283
Texarkana$2,488Stanton$2,005
Del Rio$2,377Taft$2,192
Lufkin$2,118Lake Cherokee$2,054
Waxahachie$2,464Springtown$2,412
La Porte$2,331Barton Creek$2,253
Deer Park$2,291Ozona$2,324
Socorro$2,005DeCordova$2,118
Nacogdoches$2,354Stamford$2,309
Copperas Cove$2,253Fairfield$2,192
Southlake$2,283McLendon-Chisholm$2,291
Weatherford$2,412Schulenburg$2,331
Harker Heights$2,118Grape Creek$2,005
Cleburne$2,464Overton$2,054
Midlothian$2,291Rancho Viejo$2,377
Eagle Pass$2,354Shenandoah$2,283
Cibolo$2,309Ranger$2,464
Seguin$2,324West$2,118
Big Spring$2,192Winters$2,291
Greenville$2,277Shady Shores$2,412
Lake Jackson$2,377Seagraves$2,253
Converse$2,464Fritch$2,277
Colleyville$2,005Troy$2,309
Alvin$2,253South Padre Island$2,324
West Odessa$2,291Seymour$2,377
Cloverleaf$2,309Refugio$2,354
Sachse$2,118Rosita$2,005
Kingsville$2,331Winnie$2,277
Canyon Lake$2,054Santa Rosa$2,377
Hutto$2,192Onalaska$2,331
Balch Springs$2,357Woodville$2,291
Fresno$2,321Daingerfield$2,118
University Park$2,277Malakoff$2,253
Timberwood Park$2,291Trinity$2,464
Paris$2,354Mount Vernon$2,523
Watauga$2,412Hooks$2,054
San Benito$2,005Val Verde Park$2,192
Denison$2,309Floydada$2,354
Corsicana$2,277Northlake$2,464
Fort Hood$2,118Electra$2,009
Kerrville$2,192La Villa$2,309
Saginaw$2,253Palmhurst$2,321
Benbrook$2,331El Lago$2,118
Marshall$2,354Inez$2,277
Prosper$2,253Ferris$2,412
Belton$2,009Freer$2,331
Corinth$2,054Westworth Village$2,464
Forney$2,377Lytle$2,192
Dickinson$2,321Hedwig Village$2,009
Murphy$2,412Van$2,291
Stephenville$2,291Las Lomas$2,377
Plainview$2,118Beach City$2,054
Universal City$2,464Panhandle$2,496
Katy$2,277Odem$2,321
Alamo$2,309Crosby$2,412
Ennis$2,192Rio Hondo$2,118
Sienna Plantation$2,009Kirbyville$2,309
Horizon City$2,331Hallettsville$2,277
Angleton$2,412Merkel$2,054
Alice$2,321Glen Rose$2,009
Bellaire$2,118Tahoka$2,256
Orange$2,192The Hills$2,354
Brownwood$2,291Lake Kiowa$2,331
Brushy Creek$2,377Premont$2,118
Palestine$2,256George West$2,309
Terrell$2,354Weimar$2,291
Bay City$2,277Shallowater$2,192
South Houston$2,712Escobares$2,321
White Settlement$2,464Bolivar Peninsula$2,054
Pampa$2,009Lyford$2,377
Pecan Grove$2,350Pantego$2,256
Nederland$2,037Holly Lake Ranch$2,377
Stafford$2,118Meadowlakes$2,354
Brenham$2,331Jefferson$2,009
Portland$2,256Nixon$2,277
Taylor$2,307Junction$2,192
Alton$2,291Beverly Hills$2,393
La Marque$2,321Leonard$2,331
Mercedes$2,523Cumings$2,256
Highland Village$2,294Quanah$2,464
Seagoville$2,393Huntington$2,118
Gainesville$2,350Pottsboro$2,350
Cinco Ranch$2,377Arcola$2,294
Donna$2,009Talty$2,307
Uvalde$2,277Wyldwood$2,321
Sulphur Springs$2,393Midway South$2,037
Mount Pleasant$2,192De Leon$2,009
Boerne$2,294Hudson Oaks$2,192
Humble$2,331Pinehurst $2,377
Live Oak$2,256Ponder$2,523
Groves$2,118East Bernard$2,277
West University Place$2,307Llano Grande$2,350
Buda$2,316West Sharyland$2,256
Crowley$2,321McQueeney$2,316
Aldine$2,009Abram$2,464
Canyon$2,377Whitney$2,393
Addison$2,331La Blanca$2,118
Lakeway$2,037Liberty City$2,192
Mineral Wells$2,277Goliad$2,009
Kilgore$2,294Corrigan$2,321
Hereford$2,316Palmer$2,307
Jacksonville$2,192Mason$2,377
Hewitt$2,256Eldorado$2,294
Rio Grande City$2,307Blanco$2,350
Dumas$2,321Bertram$2,277
Seabrook$2,009Laughlin AFB$2,316
Hidalgo$2,350Garfield$2,192
Andrews$2,256Combine$2,377
Lockhart$2,118Memphis$2,009
Levelland$2,273Tool$2,331
Santa Fe$2,321Hudson Bend$2,350
Henderson$2,294Sour Lake$2,118
Rendon$2,331Newton$2,294
Anna$2,273Shiner$2,037
Forest Hill$2,009Dalworthington Gardens$2,192
Royse City$2,316Cooper$2,464
Beeville$2,380Anahuac$2,009
Glenn Heights$2,307Fannett$2,321
Azle$2,294Anson$2,256
Fate$2,350McCamey$2,380
Port Neches$2,523Ganado$2,316
La Homa$2,192Wellington$2,393
Red Oak$2,131Magnolia$2,273
Borger$2,393Quitman$2,380
Lumberton$2,321Honey Grove$2,331
Athens$2,009Laguna Heights$2,131
Richmond$2,256Hale Center$2,175
Gatesville$2,464Fifth Street$2,307
Leon Valley$2,316Porter Heights$2,294
Wells Branch$2,037Shadybrook$2,009
Port Lavaca$2,464Sunray$2,350
Freeport$2,273Liberty Hill$2,175
Trophy Club$2,380Jones Creek$2,321
Tomball$2,540Poth$2,523
Robinson$2,131Little River-Academy$2,380
El Campo$2,464Idalou$2,393
Clute$2,307Goldthwaite$2,490
Fort Bliss$2,009Olton$2,131
Robstown$2,294Ingram$2,256
Roma$2,321Lorena$2,423
Snyder$2,331Preston$2,009
Fredericksburg$2,350Franklin$2,316
Webster$2,273Mart$2,331
Burkburnett$2,518Shamrock$2,037
Celina$2,256Gregory$2,307
Four Corners$2,316St. Hedwig$2,294
Raymondville$2,321Kountze$2,273
Galena Park$2,131Monte Alto$2,256
Bacliff$2,175Jonestown$2,350
Princeton$2,464Quail Creek$2,380
Rockport$2,009Old River-Winfree$2,393
Vidor$2,307Stratford$2,131
Jacinto City$2,380Linden$2,321
Sweetwater$2,331Morton$2,009
Pleasanton$2,256Woodbranch$2,316
Bellmead$2,307Italy$2,175
Vernon$2,294Troup$2,331
Pearsall$2,273Sheldon$2,350
Selma$2,131Buffalo$2,256
Manvel$2,316Yorktown$2,464
Ingleside$2,321Splendora$2,307
Bonham$2,009Wild Peach Village$2,273
Pecos$2,037Lake Dunlap$2,131
Elgin$2,464Eden$2,175
Manor$2,393San Augustine$2,524
Fair Oaks Ranch$2,523Kerens$2,009
Granbury$2,331Bartlett$2,384
Fulshear$2,350Hackberry$2,350
Eidson Road$2,131Johnson City$2,316
Brownfield$2,294Runaway Bay$2,321
Melissa$2,307Clarendon$2,331
Lantana$2,256Grandview$2,131
Commerce$2,384Milam$2,294
Hondo$2,273Archer City$2,307
Lamesa$2,009Elmendorf$2,256
Perryton$2,350Olmos Park$2,175
Helotes$2,384Marfa$2,037
Highland Park$2,319Fort Hancock$2,273
Liberty$2,316Seth Ward$2,009
San Elizario$2,294Three Rivers$2,393
Woodway$2,175Gardendale$2,316
Fairview$2,256Ralls$2,384
Bastrop$2,307West Tawakoni$2,294
Wharton$2,131Rhome$2,350
Heath$2,273Iowa Colony$2,393
Dalhart$2,331Shoreacres$2,256
Graham$2,009Edgewood$2,319
Kirby$2,350Lone Star$2,131
Whitehouse$2,384Crosbyton$2,273
Fort Stockton$2,464Albany$2,331
Alamo Heights$2,294Hubbard$2,009
West Livingston$2,037Vinton$2,175
Hillsboro$2,350Van Horn$2,393
Roanoke$2,316Bayou Vista$2,307
Cuero$2,319Buna$2,384
Sanger$2,464Roman Forest$2,482
Kennedale$2,273Baird$2,294
Aransas Pass$2,009Collinsville$2,319
Cleveland$2,256Krugerville$2,316
Richland Hills$2,331Seven Points$2,331
Lake Dallas$2,393Menard$2,350
Paloma Creek South$2,256Westwood Shores$2,009
Bridge City$2,384South Point$2,175
Dayton$2,131Bells$2,384
Jersey Village$2,307Brackettville$2,393
Hitchcock$2,316Uvalde Estates$2,131
Lucas$2,331Moody$2,350
Lampasas$2,319Juarez$2,037
Los Fresnos$2,273Southside Place$2,331
Highlands$2,294Briarcliff$2,316
Hornsby Bend$2,009Somerset$2,175
Hempstead$2,037Queen City$2,273
River Oaks$2,350Emory$2,256
Monahans$2,175Pinewood Estates$2,294
Seminole$2,384Haslet$2,009
Floresville$2,316Blossom$2,307
Jasper$2,256Whitewright$2,464
Navasota$2,331Siesta Acres$2,319
Gonzales$2,464Waskom$2,316
Joshua$2,131Lakeside town$2,273
Mexia$2,307Ivanhoe$2,331
Kaufman$2,294Oak Leaf$2,384
Crystal City$2,523Lockney$2,131
La Feria$2,316Lake Bryan$2,393
Murillo$2,350Benavides$2,294
Elsa$2,009Bangs$2,037
Providence Village$2,307Hamlin$2,384
Kingsland$2,319Pelican Bay$2,175
Homestead Meadows South$2,331Rosebud$2,316
Lago Vista $2,393Hico$2,009
Decatur$2,273Holland$2,256
Prairie View$2,523Montgomery$2,331
Bee Cave$2,175Grapeland$2,464
Silsbee$2,294Wallis$2,319
Lacy-Lakeview$2,256Quinlan$2,350
Willis$2,316Bartonville$2,294
Marble Falls$2,131Caddo Mills$2,307
Carthage$2,009Palm Valley$2,393
Kermit$2,319Charlotte$2,464
Sunnyvale$2,384Bruceville-Eddy$2,131
Scenic Oaks$2,037Sabinal$2,009
Bridgeport$2,350Holliday$2,316
Sealy$2,273Rollingwood$2,393
Crockett$2,294Meridian$2,384
Keene$2,331Laguna Park$2,350
White Oak$2,256Sebastian$2,175
Iowa Park$2,319Fulton$2,529
Port Isabel$2,304Big Sandy$2,384
Burnet$2,131De Kalb$2,523
Everman$2,298Wheeler$2,256
Camp Swift$2,009Hughes Springs$2,273
Pecan Plantation$2,393Pleak$2,298
Cameron Park$2,350Somerville$2,304
Childress$2,316Cottonwood Shores$2,009
Gun Barrel City$2,464La Pryor$2,319
Pinehurst$2,273Patton Village$2,331
Lindale$2,261La Grulla$2,037
Alpine$2,384China Spring$2,526
Yoakum$2,393Aurora$2,316
Gladewater$2,319Bovina$2,131
Slaton$2,175Batesville$2,261
Littlefield$2,009Woodcreek$2,384
Savannah$2,304Booker$2,393
Mila Doce$2,331Orange Grove$2,464
Progreso$2,350Muenster$2,384
Mont Belvieu$2,261Olmito$2,009
Windcrest$2,298Lake Brownwood$2,273
Luling$2,393Flatonia$2,319
Muleshoe$2,316Thorndale$2,304
Edna$2,037Serenada$2,261
Fabens$2,273Rotan$2,298
Palmview$2,131Stinnett$2,175
Hutchins$2,384Ames$2,350
Zapata$2,350Itasca$2,316
Lakehills$2,319Elmo$2,131
Olivarez$2,298Lexington$2,523
Marlin$2,009Wildwood$2,384
Lackland AFB$2,175Buchanan Dam$2,464
Palmview South$2,261Heidelberg$2,273
Rusk$2,304Claude$2,393
Carrizo Springs$2,319Josephine$2,009
Rockdale$2,331Rogers$2,298
Sinton$2,316Roscoe$2,331
Nolanville$2,464Gruver$2,319
Atlanta$2,384Skidmore$2,316
Cameron$2,009Brookside Village$2,029
Breckenridge$2,273Lowry Crossing$2,350
Sansom Park$2,131New Fairview$2,261
Wake Village$2,298Woodsboro$2,304
Brookshire$2,471Hawkins$2,009
Terrell Hills$2,261Naples$2,175
Willow Park$2,331Timpson$2,131
Brady$2,350Waelder$2,273
San Leon$2,393Wolfe City$2,384
Diboll$2,029Calvert$2,523
Pecan Acres$2,316Hemphill$2,331
Center$2,009Cross Roads$2,261
Briar$2,384Pine Island$2,298
Anthony$2,319Ranchitos del Norte$2,304
Post$2,350Valley Mills$2,316
Doffing$2,175Gorman$2,471
Bulverde$2,131Boyd$2,009
McGregor$2,331LaCoste$2,523
Homestead Meadows North$2,471Elkhart$2,384
Canutillo$2,131Lakeport$2,331
Granite Shoals$2,298Newark$2,131
Livingston$2,273Paducah$2,304
Gilmer$2,261Stowell$2,350
Giddings$2,009Tatum$2,029
Bowie$2,316Rocksprings$2,393
Krum$2,384Markham$2,175
Hudson$2,331Stockdale$2,319
Lake Worth$2,393Lake Medina Shores$2,471
Denver City$2,331Garrison$2,009
Primera$2,131Farwell$2,298
Mathis$2,471Alvord$2,131
Hunters Creek Village$2,350Bevil Oaks$2,261
Wolfforth$2,319Lindsay$2,316
Midway North$2,304Fort Clark Springs$2,273
Penitas$2,131Emerald Bay$2,523
Devine$2,298Manchaca$2,384
Medina$2,316Sundown$2,471
Parker$2,009Gunter$2,350
Chula Vista$2,175Plains$2,131
Rio Bravo$2,393Robert Lee$2,298
Tulia$2,029Groveton$2,471
Mineola$2,471Oyster Creek$2,009
La Grange$2,384Canyon Creek$2,131
New Boston$2,393Knox City$2,304
Meadows Place$2,523China Grove$2,316
Madisonville$2,009Rancho Alegre$2,331
Pittsburg$2,261Van Vleck$2,350
Hebbronville$2,166Redland$2,273
Palacios$2,298Point Venture$2,304
Hickory Creek$2,316Natalia$2,261
Perezville$2,319Harper$2,331
Laureles$2,131Las Quintas Fronterizas$2,319
Shady Hollow$2,273Bogata$2,316
Sandy Oaks$2,350Uhland$2,009
Morgan's Point Resort$2,331Jarrell$2,131
Castle Hills$2,331Tye$2,166
Hearne$2,316Danbury$2,029
Oak Point$2,393Alto$2,350
Dilley$2,304César Chávez$2,471
Wilmer$2,298Tenaha$2,298
Jacksboro$2,261Gholson$2,384
Coleman$2,273Clear Lake Shores$2,316
Falfurrias$2,009Muniz$2,471
Pilot Point$2,319Brownsboro$2,261
Smithville$2,393Hart$2,166
Caldwell$2,131Falls City$2,331
Jourdanton$2,331Boling$2,350
Groesbeck$2,350Munday$2,131
Spring Valley Village$2,384Lamar$2,009
Travis Ranch$2,029Ranchos Penitas West$2,471
La Joya$2,316Sterling City$2,319
Cockrell Hill$2,298Iraan$2,331
Bellville$2,166Redwater$2,316
Central Gardens$2,350McKinney Acres$2,029
Hallsville$2,131New Waverly$2,273
Aledo$2,261Riesel$2,166
Dimmitt$2,393Spur$2,131
Comanche$2,304Maud$2,298
Sullivan City$2,029Chico$2,471
Cotulla$2,009Berryville$2,261
Alvarado$2,273East Mountain$2,384
Crane$2,316Randolph AFB$2,393
Port Aransas$2,319Copper Canyon$2,350
Dripping Springs$2,298Anton$2,009
Argyle$2,331Granger$2,471
Sparks$2,393Jamaica Beach$2,029
Horseshoe Bay$2,316Mustang Ridge$2,304
La Paloma$2,350Lakeside City$2,298
Nassau Bay$2,166Rosharon$2,331
Redwood$2,131Siesta Shores$2,393
San Carlos$2,009Cut and Shoot$2,273
Presidio$2,261Tornillo$2,316
San Diego$2,384Von Ormy$2,471
Whitesboro$2,393Fort Davis$2,147
Garden Ridge$2,298Lost Creek$2,481
Bunker Hill Village$2,029Rice$2,009
Colorado City$2,331Coyote Acres$2,166
Richwood$2,304Eustace$2,350
Van Alstyne$2,319Red Lick$2,298
Ovilla$2,147Wortham$2,319
West Columbia$2,471Ore City$2,261
Friona$2,166Tom Bean$2,147
Justin$2,316Earth$2,331
Eastland$2,331Powderly$2,029
Clyde$2,009Warren$2,166
Barrett$2,298Petersburg$2,304
Canton$2,393Ransom Canyon$2,384
Shavano Park$2,273Tiki Island$2,471
Cisco$2,319Runge$2,298
Sweeny$2,350Southmayd$2,331
Eagle Lake$2,147Rio Vista$2,471
Aubrey$2,166Detroit$2,480
North Alamo$2,016Cross Plains$2,147
Comfort$2,261Santa Clara$2,316
Venus$2,298Coldspring$2,393
Potosi$2,384Centerville$2,350
Weston Lakes$2,304Vega$2,016
Ballinger$2,331Callender Lake$2,261
Crandall$2,316Aspermont$2,319
Taylor Lake Village$2,417Joaquin$2,273
Westway$2,029Sudan$2,298
Columbus$2,166Arp$2,427
Scissors$2,016Jewett$2,316
Elm Creek$2,147Santa Anna$2,304
Wills Point$2,273Frankston$2,331
Dublin$2,350China$2,147
Teague$2,342Cresson$2,016
Farmersville$2,331Westlake$2,339
Cienegas Terrace$2,298Kemp$2,166
Nash$2,261Taft Southwest$2,336
Godley$2,316Marion$2,273
Westminster$2,016Sunrise Beach Village$2,029
Valley View$2,304St. Paul$2,319
Sam Rayburn$2,365Beckville$2,166
Bronte$2,273Louise$2,298
Buchanan Lake Village$2,147Hargill$2,261
McLean$2,029Miles$2,016

Compare RatesStart Now →

Minimum Auto Insurance Requirements in Texas

According to the Texas Department of Insurance (TDI.Texas.gov), all drivers in Texas must comply with state law and have the minimum bodily injury liability and property damage liability coverage in their car insurance policies for vehicle registration.  

Below are the state requirements with minimum coverage limits:

Liability insuranceTexas state minimum requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000 per accident

Compare RatesStart Now →

AutoInsureSavings.org insurance agents recommend drivers have higher liability limits with collision and comprehensive coverage or a full coverage auto insurance policy with roadside assistance and medical payments coverage.

Our licensed insurance agents recommend uninsured motorist coverage in Texas since the uninsured motorist rate is 8.3%, according to the Insurance Information Institute (III.org).  

You will be responsible for the extra costs in an at-fault auto accident in Texas if the cost of bodily injury and property damage exceeds the liability insurance requirements. 

Frequently Asked Questions – Texas Car Insurance

Who has the Cheapest Car Insurance in Texas?

Fred Loya offers the state minimum’s cheapest auto insurance rate at $539 per year for 30-year-old drivers. The average annual auto insurance premiums for minimum coverage in Texas are $896 per year, and Fred Loya’s premium costs 40% less per year. Other good options for affordable car insurance are State Farm at $568 per year and Texas Farm Bureau at $615 per year. 

How Much is Texas Car Insurance per Month?

The average car insurance costs $188 per month for full coverage in Texas and $74 per month for state minimum coverage for a 30-year-old driver with a clean driving record. 

How Much Is Full Coverage Car Insurance in Texas?

The average cost of full coverage car insurance in Texas is $2,267 per year or $188 per month with $100,000 per accident in liability coverage. Mercury’s average rate for full coverage is $1,130 per year or $94 per month or 51% less per year, while Fred Loya’s $1,165 rate is 49% below Texas state average rates.

How do I Save on Car Insurance in Texas?

The best way to save on your insurance premium in Texas is to find out from your car insurance provider if you are eligible for a money-saving driver discount offered by the company. Many insurance providers in Texas will lower your overall insurance prices if you have more than one policy with them, such as life or home insurance policies. 

Another way to save on car insurance premiums is to practice safe driving habits and maintain clean driving records. Many auto insurance companies offer good driving discounts for drivers in Texas that have clean driving records for five years. One example is State Farm, which offers good drivers a safe driver discount of up to 30% through the “Drive Safe & Save” telematics car insurance program. Not only will you keep and your passengers safe, but it will also help you avoid car accidents or traffic violations that could cause your premium to increase.

To learn more about Texas’s most affordable car insurance options, enter your zip code or get expert advice at AutoInsureSavings.org.

Our licensed insurance professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured / underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision coverage$500 deductible

Compare RatesStart Now →

We used insurance rates for Texas drivers with accident histories, credit scores, and marital status for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates may vary when you get quotes.

Sources

– Texas Department of Insurance. “Automobile car insurance guide.”
– National Highway Traffic Safety Administration. “Traffic Safety Facts.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
-Texas Department of Public Safety. “Texas Driver Handbook.”