Fact CheckedNerdy takeaways
Auto Club of SoCal has the cheapest car insurance in Texas, with an average rate of $112 per month and $1,349 per year for full coverage.
In Texas, full coverage car insurance costs an average of $304 per month or $3,652 per year for someone with a good driving record.
We can show you what you might pay in Texas based on your coverage, age, driving history and credit, but you’ll have to compare quotes from a few insurers for your exact rates.
The cheapest car insurance in Texas, at a glance
These are median rates from NerdWallet's October 2026 analysis, but your rate will vary based on your personal information, location and insurance provider. Not all companies offer policies in every state.
NerdWallet’s editors analyzed rates for 17 auto insurers in Texas to find which one has the cheapest car insurance for different driving profiles.
Although Liberty Mutual is one of the largest insurers in the country, it’s not included in our analysis because it doesn’t make its rates data public.
For more detailed information about how we found the cheapest car insurance companies in Texas, please check our full methodology at the bottom of this page.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts eliminate outliers and inaccuracies in pricing data. We look at rates from every ZIP code in a state where coverage is offered and data is available. And we change only one variable at a time when comparing rates for different coverage amounts, ages and backgrounds. That means you can easily see how each factor affects pricing.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheapest car insurance in Texas for full coverage
Auto Club of SoCal has the cheapest car insurance in Texas for full coverage, with an average rate of $112 per month or $1,349 per year.
What full coverage is: “Full coverage” is a term for a type of insurance policy that combines liability insurance with comprehensive and collision coverage. Unlike a basic policy that has only liability insurance, full coverage helps pay to repair or replace your vehicle after a theft and most kinds of damage, even if you were at fault for the damage.
Who needs it: Texas doesn’t require a policy with full coverage, but you may still need to have it if you drive a leased vehicle or you’re paying off an auto loan. You have the option to drop full coverage if you own your vehicle outright, but you might not want to. Generally, we recommend keep full coverage on any vehicle you’d be unable to replace with your own money.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Auto Club of SoCal | 4.5/5 | $112 |
| State Farm | 4.8/5 | $150 |
| Germania | 4.2/5 | $190 |
| GEICO | 5.0/5 | $210 |
| Allstate | 4.3/5 | $237 |
More Nerdy Perspective
In recent years crashes have gone up and claims have gotten more expensive. This has pushed up insurance costs for everyone, even drivers with good records. To fight rising rates, drivers can compare quotes from multiple insurers before buying a new policy or renewing an old one. Consider a 12-month policy if you can. This way, you lock in your rate for a year instead of potentially seeing higher rates after six months.
In recent years crashes have gone up and claims have gotten more expensive. This has pushed up insurance costs for everyone, even drivers with good records. To fight rising rates, drivers can compare quotes from multiple insurers before buying a new policy or renewing an old one. Consider a 12-month policy if you can. This way, you lock in your rate for a year instead of potentially seeing higher rates after six months.
Andrew HurstLead Writer & Licensed Insurance ProCheapest car insurance in Texas for minimum coverage
Auto Club of SoCal has the cheapest car insurance in Texas for minimum coverage, with an average rate of $37 per month or $447 per year.
What minimum coverage is: Texas requires all drivers to have a minimum amount of liability insurance. After a crash your liability insurance would pay for the injuries and property damage that you cause other drivers, but it wouldn’t cover your injuries or car repairs.
Who needs it: Everyone in Texas needs to carry the required minimum insurance. That said, most people need more coverage. Texas requires less insurance than many states, and even a comparatively mild crash could leave you underinsured and at risk of facing serious expenses.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Auto Club of SoCal | 4.5/5 | $37 |
| State Farm | 4.8/5 | $43 |
| Allstate | 4.3/5 | $58 |
| GEICO | 5.0/5 | $58 |
| Dairyland | 4.3/5 | $84 |
Texas requires drivers to carry liability insurance. A policy with the minimum amount of coverage has:
$30,000 of bodily injury liability insurance per person.
$60,000 of bodily injury liability insurance per crash.
$25,000 of property damage liability coverage per crash .
These requirements provide less coverage than you might expect. While most people probably don’t have $30,000 in cash on hand, this number is actually quite low compared to the potential cost of a serious accident. If you injure another driver, their medical bills and lost wages could quickly overrun this amount of coverage.
If you can afford it, it’s a good idea to carry more than the minimum amount of coverage. A policy with at least $300,000 of bodily injury coverage and $50,000 of property damage liability per crash would offer much more protection.
Cheapest car insurance companies in Texas by driving record
Having a driving violation on your record is likely to increase your car insurance premium. NerdWallet found the companies offering the lowest minimum coverage car insurance rates for 35-year-old Texas drivers with different driving records. If you have multiple violations on your record, you may want to consider the best high-risk car insurance companies instead.
In most cases, a speeding ticket affects the cost of car insurance — but insurers calculate prices differently. If your rate went up after a recent ticket, you may still be able to get cheaper coverage by shopping with other car insurance companies in Texas.
Company NerdWallet rating Median monthly rate State Farm 4.8/5$172 Germania 4.2/5$190 Auto Club of SoCal 4.5/5$191 Allstate 4.3/5$237 GEICO 5.0/5$250 Company NerdWallet rating Median monthly rate State Farm 4.8/5$52 Allstate 4.3/5$58 Auto Club of SoCal 4.5/5$63 GEICO 5.0/5$68 Direct Auto 4.6/5$85 Rates refreshed October 2026.
An accident can affect your car insurance costs for several years, although the exact length depends on your location and your insurer. But not all insurance companies use the same pricing model, so it can be hard to predict how much insurance will increase after an accident. You might find cheaper options if you shop around.
Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$191 State Farm 4.8/5$193 Germania 4.2/5$248 Allstate 4.3/5$256 GEICO 5.0/5$340 Company NerdWallet rating Median monthly rate State Farm 4.8/5$60 Allstate 4.3/5$61 Auto Club of SoCal 4.5/5$63 GEICO 5.0/5$98 Germania 4.2/5$118 Rates refreshed October 2026.
Our analysis showed that a 35-year-old in Texas with a clean driving history could get full coverage insurance for $304 a month, on average, while that same driver could pay $423, on average, for the same coverage after a DUI. This makes it especially valuable to shop for cheap car insurance after a DUI.
Company NerdWallet rating Median monthly rate State Farm 4.8/5$251 Auto Club of SoCal 4.5/5$289 GEICO 5.0/5$293 Allstate 4.3/5$312 Progressive 4.8/5$344 Company NerdWallet rating Median monthly rate Allstate 4.3/5$69 State Farm 4.8/5$83 GEICO 5.0/5$83 Auto Club of SoCal 4.5/5$96 National General 3.4/5$103 Rates refreshed October 2026.
Most affordable car insurance in Texas by city
Your ZIP code is a big factor in how much you’ll pay for car insurance. In general, cities see more vandalism, theft and accidents than rural areas — so urban drivers could expect a higher insurance bill than folks in small towns.
Here are the cheapest car insurance rates for some of the largest cities in Texas. Rates are for 35-year-old drivers.
These are the cheapest car insurance rates in Arlington, according to our analysis. Read more about car insurance in Arlington.
Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $1,669 After a DUI State Farm $3,453 After an accident State Farm $2,650 After a speeding ticket State Farm $2,365 Having poor credit Auto Club of SoCal $2,803 Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $619 After a DUI Allstate $1,063 After an accident State Farm $924 After a speeding ticket State Farm $799 Having poor credit Allstate $895 Rates refreshed October 2026.
The rates below are the cheapest in Austin, according to our analysis. Read more about car insurance in Austin.
Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $1,539 After a DUI State Farm $3,197 After an accident State Farm $2,409 After a speeding ticket State Farm $2,128 Having poor credit Auto Club of SoCal $2,573 Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $605 After a DUI Allstate $1,045 After an accident State Farm $839 After a speeding ticket State Farm $719 Having poor credit Allstate $873 Rates refreshed October 2026.
The car insurance rates below are the cheapest in Dallas, according to our analysis. Read more about car insurance in Dallas.
Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $1,764 After a DUI State Farm $3,889 After an accident State Farm $2,992 After a speeding ticket State Farm $2,674 Having poor credit Auto Club of SoCal $2,966 Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $637 After a DUI National General $1,240 After an accident State Farm $1,007 After a speeding ticket State Farm $869 Having poor credit Auto Club of SoCal $1,040 Rates refreshed October 2026.
The rates below are the cheapest in El Paso, according to our analysis. Read more about car insurance in El Paso.
Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $1,586 After a DUI State Farm $3,182 After an accident State Farm $2,476 After a speeding ticket State Farm $2,227 Having poor credit Auto Club of SoCal $2,683 Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $483 After a DUI National General $866 After an accident State Farm $794 After a speeding ticket State Farm $692 Having poor credit Auto Club of SoCal $790 Rates refreshed October 2026.
Below are the cheapest car insurance rates in Fort Worth, according to our analysis. Read more about car insurance in Fort Worth.
Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $1,593 After a DUI State Farm $3,467 After an accident State Farm $2,656 After a speeding ticket State Farm $2,367 Having poor credit Auto Club of SoCal $2,671 Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $550 After a DUI Allstate $1,063 After an accident State Farm $908 After a speeding ticket State Farm $786 Having poor credit Allstate $895 Rates refreshed October 2026.
These are the cheapest car insurance rates in Houston, according to our analysis. Read more about car insurance in Houston.
Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $1,990 After a DUI State Farm $3,835 After an accident State Farm $2,945 After a speeding ticket State Farm $2,624 Having poor credit Auto Club of SoCal $3,355 Category Cheapest Company Median annual rate Clean driving history State Farm $738 After a DUI National General $1,154 After an accident State Farm $1,021 After a speeding ticket State Farm $881 Having poor credit Allstate $1,097 Rates refreshed October 2026.
These are the cheapest car insurance rates in Katy, according to our analysis. Read more about car insurance in Katy.
Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $1,783 After a DUI State Farm $3,424 After an accident State Farm $2,609 After a speeding ticket State Farm $2,319 Having poor credit Auto Club of SoCal $2,989 Category Cheapest Company Median annual rate Clean driving history State Farm $664 After a DUI National General $1,174 After an accident State Farm $913 After a speeding ticket State Farm $781 Having poor credit Allstate $1,101 Rates refreshed October 2026.
These are the cheapest car insurance rates in San Antonio, according to our analysis. Read more about car insurance in San Antonio.
Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $1,633 After a DUI State Farm $3,495 After an accident State Farm $2,696 After a speeding ticket State Farm $2,408 Having poor credit Auto Club of SoCal $2,739 Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $646 After a DUI Allstate $1,187 After an accident State Farm $921 After a speeding ticket State Farm $796 Having poor credit Allstate $1,007 Rates refreshed October 2026.
These are the cheapest car insurance rates in Spring, according to our analysis. Read more about car insurance in Spring.
Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $1,737 After a DUI State Farm $3,365 After an accident State Farm $2,567 After a speeding ticket State Farm $2,283 Having poor credit Auto Club of SoCal $2,921 Category Cheapest Company Median annual rate Clean driving history State Farm $658 After a DUI National General $1,114 After an accident State Farm $909 After a speeding ticket State Farm $783 Having poor credit Allstate $972 Rates refreshed October 2026.
More Nerdy Perspective
Auto insurance in Texas tends to be pricey, so check your policy for coverage you don’t need. I saved money on my car insurance premium by dropping roadside assistance and towing coverage, which I already had through my AAA membership.
Auto insurance in Texas tends to be pricey, so check your policy for coverage you don’t need. I saved money on my car insurance premium by dropping roadside assistance and towing coverage, which I already had through my AAA membership.
Lisa Greenassigning editor on Insurance
Auto insurance in Texas tends to be pricey, so check your policy for coverage you don’t need. I saved money on my car insurance premium by dropping roadside assistance and towing coverage, which I already had through my AAA membership.
Cheapest auto insurance rates in Texas by age
Age is one of the most important factors in determining how much you’ll pay for car insurance. Below you'll find full and liability coverage rates from the cheapest auto insurance companies in Texas for drivers across common age groups. All rates are for drivers with clean driving records and good credit.
Prices can be sky-high in your 20s, but tend to come down as drivers get more experience on the road. Still, some companies may offer more affordable car insurance for young drivers, so it's best to shop around to find them. Read more about car insurance for teens and young drivers.
Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$213 GEICO 5.0/5$313 State Farm 4.8/5$351 Germania 4.2/5$360 Progressive 4.8/5$522 Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$80 GEICO 5.0/5$101 State Farm 4.8/5$131 Progressive 4.8/5$154 Dairyland 4.3/5$173 Rates refreshed October 2026.
While insurance rates vary by age and gender, drivers in their 30s can often expect to get cheap insurance rates from most companies. However, you may find even cheaper rates from smaller or regional insurers.
Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$112 State Farm 4.8/5$150 Germania 4.2/5$190 GEICO 5.0/5$210 Allstate 4.3/5$237 Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$37 State Farm 4.8/5$43 Allstate 4.3/5$58 GEICO 5.0/5$58 Dairyland 4.3/5$84 Rates refreshed October 2026.
Our analysis shows that older drivers with a good credit score and clean driving history enjoy some of the most affordable auto insurance rates, but car insurance rates for senior drivers can start to creep up once you reach your 70s.
Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$98 State Farm 4.8/5$143 Germania 4.2/5$171 GEICO 5.0/5$187 Progressive 4.8/5$233 Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$39 State Farm 4.8/5$45 Allstate 4.3/5$58 GEICO 5.0/5$58 Germania 4.2/5$77 Rates refreshed October 2026.
Cheapest auto insurance in Texas by credit score
Your credit history can impact your auto insurance rates in Texas. Insurers use a credit-based insurance score to determine the likelihood you’ll file a claim. This score will often be a different number than your regular credit score, but it’s based on information included in your credit report.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Texas drivers with good credit.
Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$112 State Farm 4.8/5$150 Germania 4.2/5$190 GEICO 5.0/5$210 Allstate 4.3/5$237 Company NerdWallet rating Median monthly rate Allstate 4.3/5$58 Auto Club of SoCal 4.5/5$61 GEICO 5.0/5$90 Direct Auto 4.6/5$104 Dairyland 4.3/5$108 Rates refreshed October 2026.
Our analysis shows that drivers across the U.S. with poor credit can expect to pay 67% more, on average, for full coverage than those with good credit.
Here are the lowest car insurance rates for 35-year-old Texas drivers with poor credit, according to NerdWallet's October 2026 analysis.
Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$188 Allstate 4.3/5$237 GEICO 5.0/5$304 Germania 4.2/5$345 Progressive 4.8/5$473 Company NerdWallet rating Median monthly rate Allstate 4.3/5$58 Auto Club of SoCal 4.5/5$61 GEICO 5.0/5$90 Direct Auto 4.6/5$104 Dairyland 4.3/5$108 Rates refreshed October 2026.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Auto insurance alternatives in Texas
If you’re having trouble getting insured in Texas due to bad credit or DUIs, look into the Texas Automobile Insurance Plan Association (TAIPA). It may be able to connect you with a company that will cover you.
To qualify, a TAIPA certified insurance agent must submit the application for you, and you must have been rejected by at least two insurance companies in the last 60 days.
In addition to TAIPA, there are a few other legally acceptable alternatives you can choose in Texas, including:
Filing a surety bond with the Department of Public Safety. You must file the bond jointly with at least two people, called “sureties,” who own property in the state. The property offered in the bond must be worth at least as much as the insurance amounts mandated under the state’s minimum liability car insurance requirements.
Making a $55,000 deposit with the state comptroller in either cash or securities.
Making a $55,000 deposit with the county judge where your vehicle is registered, in either cash or cashier’s check.
Qualifying for a certificate of self-insurance through the Department of Public Safety. You promise to pay up to the same amount covered by minimum liability insurance requirements if you cause an accident with one of your cars. This option applies if you own 25 vehicles or more.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Texas Department of Insurance. Auto Insurance Guide. Accessed Sep 18, 2026.
Methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.
Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:
35 years old
Single. Male or female.
2023 Toyota Camry LE
12,000 annual miles driven.
Good driving record and credit
No moving violations.
"Good driving" discount applied.
Good credit-based insurance score.
Bodily injury liability coverage
$100,000 per person. $300,000 per crash.
Property damage liability coverage
$50,000 per crash.
Uninsured motorist bodily injury coverage
$100,000 per person. $300,000 per crash.
Collision coverage
With a $1,000 deductible.
Comprehensive coverage
With a $1,000 deductible.
For all other driver profiles, we used the same assumptions, with the following exceptions:
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for drivers with poor credit. These rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
For young drivers, we considered 20-year-olds with good credit and no driving violations.
For millennial drivers, we considered 40-year-olds with good credit and no driving violations.
For senior drivers, we considered 70-year-olds with good credit and no driving violations.
These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.
Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
