Cheap Car Insurance in Texas for September 2023

If you’re looking for cheap auto insurance in Texas, you’ve come to the right place. Finding affordable car insurance isn’t always easy, so we’ve done the hard work of narrowing down the cheapest options in the Lone Star State.

🤓Nerdy Tip

Did your rates go up? Car insurance rates are on the rise in Texas. Be sure to get quotes from three or more companies to get the lowest rate you can.

The cheapest car insurance company in Texas is Redpoint County Mutual at $974 per year on average, or $81 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Texas. Meanwhile, the average cost of full coverage car insurance in Texas is $2,398 per year, or about $200 per month.

Minimum coverage in Texas is $774 per year on average, but we found you can likely get a cheaper policy. For example, State Farm offers the cheapest rates in Texas at $396 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Read on to see the cheapest auto insurance in Texas for a variety of ages and driving histories, plus the state-mandated minimum liability insurance requirements. If you’re looking for top-of-the-line auto coverage, check out our list of the best car insurance in Texas.

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If you’re looking for the cheapest car insurance in your city, NerdWallet analyzed rates for some of the largest Texas cities, including:

How we chose the cheapest companies in Texas

NerdWallet’s editorial team analyzed car insurance rates from 20 auto insurers in Texas and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Texas. For full coverage, we used the below coverage limits:

$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Texas where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheap car insurance in Texas for 20-year-olds

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Texas for 20-year-olds

Drivers in Texas with clean driving records may want to consider the following companies, which had the lowest average rates:

Redpoint County Mutual: $974 per year, or about $81 per month.
Texas Farm Bureau: $2,211 per year, or about $184 per month.
Auto Club of SoCal: $2,997 per year, or about $250 per month.
Geico: $3,281 per year, or about $273 per month.
State Farm: $3,352 per year, or about $279 per month.

Cheapest minimum coverage car insurance in Texas for 20-year-olds

Drivers in Texas who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

Redpoint County Mutual: $429 per year, or about $36 per month.
Texas Farm Bureau: $834 per year, or about $69 per month.
Auto Club of SoCal: $1,094 per year, or about $91 per month.
Geico: $1,146 per year, or about $96 per month.
State Farm: $1,184 per year, or about $99 per month.

Cheapest auto insurance in Texas for 20-year-olds with poor credit

Drivers with poor credit in Texas should look at the following insurers with the lowest average rates for minimum coverage:

Redpoint County Mutual: $429 per year, or about $36 per month.
Texas Farm Bureau: $1,480 per year, or about $123 per month.
Auto Club of SoCal: $1,699 per year, or about $142 per month.
Geico: $1,732 per year, or about $144 per month.
Dairyland: $1,743 per year, or about $145 per month.

Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:

Redpoint County Mutual: $429 per year, or about $36 per month.
Texas Farm Bureau: $834 per year, or about $69 per month.
Geico: $1,183 per year, or about $99 per month.
Germania: $1,283 per year, or about $107 per month.
State Farm: $1,337 per year, or about $111 per month.

Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Texas, here are the companies with the lowest average rates for minimum coverage:

Redpoint County Mutual: $429 per year, or about $36 per month.
Texas Farm Bureau: $1,295 per year, or about $108 per month.
State Farm: $1,477 per year, or about $123 per month.
Geico: $1,524 per year, or about $127 per month.
Germania: $1,572 per year, or about $131 per month.

Cheapest auto insurance in Texas for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

Redpoint County Mutual: $429 per year, or about $36 per month.
Dairyland: $1,427 per year, or about $119 per month.
Geico: $1,488 per year, or about $124 per month.
Auto Club of SoCal: $1,835 per year, or about $153 per month.
State Farm: $1,842 per year, or about $154 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Texas for 30-year-olds

Drivers in Texas who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

Redpoint County Mutual: $974 per year, or about $81 per month.
State Farm: $1,410 per year, or about $117 per month.
Republic Group: $1,431 per year, or about $119 per month.
Texas Farm Bureau: $1,509 per year, or about $126 per month.
Auto Club of SoCal: $1,633 per year, or about $136 per month.

Cheapest minimum coverage car insurance in Texas for 30-year-olds

Drivers in Texas who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

State Farm: $399 per year, or about $33 per month.
Redpoint County Mutual: $429 per year, or about $36 per month.
Texas Farm Bureau: $525 per year, or about $44 per month.
Auto Club of SoCal: $550 per year, or about $46 per month.
Geico: $603 per year, or about $50 per month.

Cheapest auto insurance in Texas for 30-year-olds with poor credit

Drivers with poor credit in Texas should consider the following companies with the lowest average rates for full coverage:

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $2,525 per year, or about $210 per month.
Auto Club of SoCal: $2,536 per year, or about $211 per month.
Texas Farm Bureau: $2,820 per year, or about $235 per month.
Geico: $2,936 per year, or about $245 per month.

Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:

Redpoint County Mutual: $429 per year, or about $36 per month.
State Farm: $461 per year, or about $38 per month.
Texas Farm Bureau: $525 per year, or about $44 per month.
Germania: $609 per year, or about $51 per month.
Geico: $642 per year, or about $54 per month.

Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash

For drivers in Texas with a recent accident, here are the lowest average rate options for full coverage:

Redpoint County Mutual: $974 per year, or about $81 per month.
State Farm: $1,720 per year, or about $143 per month.
Republic Group: $2,050 per year, or about $171 per month.
Germania: $2,385 per year, or about $199 per month.
Texas Farm Bureau: $2,386 per year, or about $199 per month.

Cheapest auto insurance in Texas for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $1,799 per year, or about $150 per month.
State Farm: $2,117 per year, or about $176 per month.
Auto Club of SoCal: $2,524 per year, or about $210 per month.
Geico: $2,602 per year, or about $217 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Texas for 40-year-olds

Drivers in Texas with clean driving records may want to think about the following companies, which had the lowest average rates:

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $1,365 per year, or about $114 per month.
State Farm: $1,376 per year, or about $115 per month.
Texas Farm Bureau: $1,451 per year, or about $121 per month.
Auto Club of SoCal: $1,583 per year, or about $132 per month.

Cheapest minimum coverage car insurance in Texas for 40-year-olds

Drivers in Texas who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

State Farm: $404 per year, or about $34 per month.
Redpoint County Mutual: $429 per year, or about $36 per month.
Texas Farm Bureau: $494 per year, or about $41 per month.
Germania: $542 per year, or about $45 per month.
Auto Club of SoCal: $543 per year, or about $45 per month.

Cheapest auto insurance in Texas for 40-year-olds with poor credit

Drivers with poor credit in Texas can check out the following insurers with the lowest average rates for full coverage:

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $2,414 per year, or about $201 per month.
Auto Club of SoCal: $2,460 per year, or about $205 per month.
Texas Farm Bureau: $2,719 per year, or about $227 per month.
Geico: $2,898 per year, or about $242 per month.

Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:

Redpoint County Mutual: $429 per year, or about $36 per month.
State Farm: $467 per year, or about $39 per month.
Texas Farm Bureau: $494 per year, or about $41 per month.
Germania: $542 per year, or about $45 per month.
Geico: $636 per year, or about $53 per month.

Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Texas, here are the companies with the lowest average rates for full coverage:

Redpoint County Mutual: $974 per year, or about $81 per month.
State Farm: $1,682 per year, or about $140 per month.
Republic Group: $1,964 per year, or about $164 per month.
Germania: $2,248 per year, or about $187 per month.
Texas Farm Bureau: $2,295 per year, or about $191 per month.

Cheapest auto insurance in Texas for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $1,733 per year, or about $144 per month.
State Farm: $2,074 per year, or about $173 per month.
Dairyland: $2,412 per year, or about $201 per month.
Auto Club of SoCal: $2,452 per year, or about $204 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Texas for 50-year-olds

Drivers in Texas with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $1,226 per year, or about $102 per month.
State Farm: $1,329 per year, or about $111 per month.
Texas Farm Bureau: $1,409 per year, or about $117 per month.
Auto Club of SoCal: $1,548 per year, or about $129 per month.

Cheapest minimum coverage car insurance in Texas for 50-year-olds

Drivers in Texas who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

State Farm: $397 per year, or about $33 per month.
Redpoint County Mutual: $429 per year, or about $36 per month.
Germania: $478 per year, or about $40 per month.
Texas Farm Bureau: $487 per year, or about $41 per month.
Auto Club of SoCal: $536 per year, or about $45 per month.

Cheapest auto insurance in Texas for 50-year-olds with poor credit

Drivers with poor credit in Texas can check with the following companies, which showed the lowest average rates for full coverage:

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $2,165 per year, or about $180 per month.
Auto Club of SoCal: $2,404 per year, or about $200 per month.
Texas Farm Bureau: $2,637 per year, or about $220 per month.
Geico: $2,661 per year, or about $222 per month.

Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:

Redpoint County Mutual: $429 per year, or about $36 per month.
State Farm: $459 per year, or about $38 per month.
Germania: $478 per year, or about $40 per month.
Texas Farm Bureau: $487 per year, or about $41 per month.
Allstate: $560 per year, or about $47 per month.

Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash

For drivers living in Texas with a recent accident, here are the insurers with the lowest average full coverage rates:

Redpoint County Mutual: $974 per year, or about $81 per month.
State Farm: $1,628 per year, or about $136 per month.
Republic Group: $1,786 per year, or about $149 per month.
Germania: $2,086 per year, or about $174 per month.
Texas Farm Bureau: $2,297 per year, or about $191 per month.

Cheapest auto insurance in Texas for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $1,594 per year, or about $133 per month.
State Farm: $2,015 per year, or about $168 per month.
Dairyland: $2,222 per year, or about $185 per month.
Geico: $2,352 per year, or about $196 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Texas for 60-year-olds

Drivers in Texas with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $1,194 per year, or about $99 per month.
Texas Farm Bureau: $1,205 per year, or about $100 per month.
State Farm: $1,254 per year, or about $104 per month.
Auto Club of SoCal: $1,479 per year, or about $123 per month.

Cheapest minimum coverage car insurance in Texas for 60-year-olds

Drivers in Texas who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

State Farm: $378 per year, or about $32 per month.
Redpoint County Mutual: $429 per year, or about $36 per month.
Texas Farm Bureau: $429 per year, or about $36 per month.
Germania: $473 per year, or about $39 per month.
Auto Club of SoCal: $535 per year, or about $45 per month.

Cheapest auto insurance in Texas for 60-year-olds with poor credit

Drivers with poor credit in Texas can look at the following companies with the lowest average rates for full coverage:

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $2,117 per year, or about $176 per month.
Texas Farm Bureau: $2,247 per year, or about $187 per month.
Auto Club of SoCal: $2,298 per year, or about $191 per month.
Geico: $2,655 per year, or about $221 per month.

Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:

Redpoint County Mutual: $429 per year, or about $36 per month.
Texas Farm Bureau: $429 per year, or about $36 per month.
State Farm: $438 per year, or about $37 per month.
Germania: $473 per year, or about $39 per month.
Allstate: $541 per year, or about $45 per month.

Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Texas, here are the companies with the lowest average rates for full coverage:

Redpoint County Mutual: $974 per year, or about $81 per month.
State Farm: $1,539 per year, or about $128 per month.
Republic Group: $1,742 per year, or about $145 per month.
Texas Farm Bureau: $1,971 per year, or about $164 per month.
Germania: $2,079 per year, or about $173 per month.

Cheapest auto insurance in Texas for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $1,561 per year, or about $130 per month.
State Farm: $1,914 per year, or about $160 per month.
Dairyland: $2,070 per year, or about $173 per month.
Auto Club of SoCal: $2,299 per year, or about $192 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Texas for 70-year-olds

Drivers in Texas with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

Redpoint County Mutual: $974 per year, or about $81 per month.
Texas Farm Bureau: $1,187 per year, or about $99 per month.
Republic Group: $1,278 per year, or about $106 per month.
State Farm: $1,298 per year, or about $108 per month.
Auto Club of SoCal: $1,626 per year, or about $136 per month.

Cheapest minimum coverage car insurance in Texas for 70-year-olds

Drivers in Texas who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

State Farm: $403 per year, or about $34 per month.
Redpoint County Mutual: $429 per year, or about $36 per month.
Texas Farm Bureau: $429 per year, or about $36 per month.
Germania: $575 per year, or about $48 per month.
Republic Group: $615 per year, or about $51 per month.

Cheapest auto insurance in Texas for 70-year-olds with poor credit

Drivers with poor credit in Texas can look at the following companies with the lowest average rates for full coverage:

Redpoint County Mutual: $974 per year, or about $81 per month.
Texas Farm Bureau: $2,211 per year, or about $184 per month.
Republic Group: $2,286 per year, or about $191 per month.
Auto Club of SoCal: $2,527 per year, or about $211 per month.
Dairyland: $2,798 per year, or about $233 per month.

Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:

Redpoint County Mutual: $429 per year, or about $36 per month.
Texas Farm Bureau: $429 per year, or about $36 per month.
State Farm: $466 per year, or about $39 per month.
Germania: $575 per year, or about $48 per month.
Republic Group: $674 per year, or about $56 per month.

Cheapest auto insurance in Texas for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Texas, here are the companies with the lowest average rates for full coverage:

Redpoint County Mutual: $974 per year, or about $81 per month.
State Farm: $1,596 per year, or about $133 per month.
Republic Group: $1,845 per year, or about $154 per month.
Texas Farm Bureau: $2,005 per year, or about $167 per month.
Germania: $2,399 per year, or about $200 per month.

Cheapest auto insurance in Texas for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

Redpoint County Mutual: $974 per year, or about $81 per month.
Republic Group: $1,646 per year, or about $137 per month.
State Farm: $1,987 per year, or about $166 per month.
Dairyland: $2,162 per year, or about $180 per month.
Auto Club of SoCal: $2,558 per year, or about $213 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 57 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum car insurance requirements in Texas

With rare exceptions (see below), Texas drivers are required to carry liability insurance. You’ll often see the minimum requirements written in shorthand as 30/60/25. This means in Texas you must buy at least:

$30,000 bodily injury/death liability coverage per person.
$60,000 bodily injury/death liability coverage per accident.
$25,000 property damage liability coverage per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

If you cause an accident, liability insurance kicks in to pay for others’ injury treatment and property damage, up to your limits. It doesn’t pay for your own injuries or vehicle repairs.

In many cases, the legal minimum insurance won’t be enough to cover costs if you cause an accident. If you total someone’s luxury car, for example, their repair costs could easily exceed a $25,000 ceiling. Any damage that surpasses your limits has to come out of your own pocket. That’s why for most drivers it’s wise to select higher limits, such as 100/300/50.

Auto insurance alternatives in Texas

If you’re having trouble getting insured in Texas, look into the Texas Automobile Insurance Plan Association. It can help connect you with a company that will cover you.

There are legally acceptable alternatives you can choose to prove your financial responsibility, 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.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
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.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.