Who has the cheapest car insurance in Texas?
Texas Farm Bureau has the cheapest minimum coverage in Texas, with an average rate of $35 per month, according to NerdWallet's April 2025 analysis. Texas Farm Bureau has the cheapest full coverage auto insurance in Texas, with an average rate of $107 per month.
Texas is one of the most expensive states for auto insurance, so it’s wise to compare rates from multiple companies to make sure you’re getting the best price.
Shopping for quotes? Your rate might differ from these estimates. Insurers factor in your age, your driving history, the car you drive and where you live. We estimated the cheapest rates in common categories. Use our picks to spot the best companies for you.
Cheapest liability coverage in Texas
Here are the cheapest car insurance companies in Texas for liability coverage. Median monthly rates are estimated for a 35-year-old driver with a good driving record.
⚠️ Know the risks: Buying the state minimum might save you money in the short term, but it isn’t always enough coverage to protect you. Passing on optional full coverage could leave you financially vulnerable if you’re in a serious accident. To find affordable cheap car insurance with more coverage, check out NerdWallet’s list of cheap full coverage insurance.
Cheapest full coverage auto insurance in Texas
For those looking for more coverage, here are the most affordable car insurance companies in Texas for full coverage. Monthly median rates are estimated for a 35-year-old driver with a good driving record.
- How NerdWallet's editorial team determined these rates
Once a month, NerdWallet’s car insurance data team analyzes over 500 million sample car insurance rates provided by Quadrant Information Services to find the auto insurers offering the cheapest rates. Our data analysis combines hundreds of hours of rigorous data vetting, thorough optimizing and extensive engineering work to provide you with the cheapest car insurance companies in Texas on a monthly basis.
Don’t mess with bad insurance. If you’re looking for top-of-the-line auto coverage specific to the Lone Star State, our Nerds wrangled up this list of the best car insurance in Texas.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.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.
Cheapest car insurance in Texas by city
From the Panhandle to the Gulf, NerdWallet analyzed rates for some of the largest Texas cities, including:
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 should expect a higher insurance bill than folks in small towns.
Cheap auto insurance in Texas by age
Cheapest liability coverage car insurance in Texas for young drivers
Young drivers may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high in your 20s, 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.
For bare-bones coverage for 20-year-olds, these companies had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $704 | $59 |
| GEICO | $1,191 | $99 |
| Auto Club of SoCal | $1,256 | $105 |
| Progressive | $1,414 | $118 |
| State Farm | $1,629 | $136 |
Cheapest full coverage car insurance in Texas for young drivers
If you have a clean driving record consider the following companies, which had the lowest average rates for 20-year-old drivers:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,945 | $162 |
| Auto Club of SoCal | $3,162 | $264 |
| GEICO | $3,672 | $306 |
| Progressive | $4,029 | $336 |
| State Farm | $4,544 | $379 |
Cheapest liability coverage car insurance in Texas for seniors
Car insurance costs may start to rise for older drivers, so it’s wise to shop around for the cheapest rates.
Drivers in Texas who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates for 70-year-old drivers:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $363 | $30 |
| State Farm | $509 | $42 |
| GEICO | $571 | $48 |
| Auto Club of SoCal | $601 | $50 |
| Allstate | $675 | $56 |
Some insurers offer a senior discount if you complete a defensive driving course from an approved provider. Courses are easy to find online through groups like AAA, AARP and The National Safety Council. Some classes can be completed 100% online.
Cheapest full coverage car insurance in Texas for seniors
Drivers in Texas with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates for 70-year-olds:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,049 | $87 |
| Auto Club of SoCal | $1,451 | $121 |
| Progressive | $1,754 | $146 |
| State Farm | $1,807 | $151 |
| GEICO | $1,826 | $152 |
Cheapest car insurance in Texas by driving record
Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and your other personal characteristics.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Texas drivers with different driving records. If you have multiple violations on your record, consider looking into the best high risk car insurance companies.
Cheapest car insurance in Texas after a speeding ticket
If you recently got a speeding ticket in Texas, check out these companies we found with the lowest average rates for liability coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $418 | $35 |
| State Farm | $483 | $40 |
| GEICO | $642 | $54 |
| Allstate | $675 | $56 |
| Progressive | $976 | $81 |
Cheapest car insurance in Texas after an accident
Here are the companies with the lowest average rates for liability coverage and a recent at-fault accident in Texas:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $581 | $48 |
| Allstate | $713 | $59 |
| Texas Farm Bureau | $714 | $60 |
| GEICO | $992 | $83 |
| Auto Club of SoCal | $1,026 | $86 |
Cheapest car insurance in Texas after a DUI
For drivers with a recent DUI in Texas, here are the companies with the lowest average rates for liability coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $794 | $66 |
| Allstate | $825 | $69 |
| State Farm | $893 | $74 |
| Progressive | $909 | $76 |
| National General | $1,241 | $103 |
» MORE: Getting an SR22 in Texas
Cheapest car insurance in Texas by credit history
Your credit history can impact your auto insurance rates in Texas. Insurers use a credit-based insurance score, which is different from your regular credit score, to determine the likelihood you’ll file a claim. Your credit score is likely a good indicator of your credit-based insurance score.
Cheapest car insurance in Texas for drivers with poor credit
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Texas drivers with poor credit. Consider the following insurers with the lowest average rates for liability coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Allstate | $675 | $56 |
| GEICO | $841 | $70 |
| Texas Farm Bureau | $883 | $74 |
| Progressive | $1,029 | $86 |
| Auto Club of SoCal | $1,097 | $91 |
Cheapest car insurance in Texas for military families
USAA
USAA offers insurance to active military, veterans and their families only.- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
If you're an active member of the military or a veteran — or you have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company whose policies aren’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 64 of the 70 driver profiles we examined. USAA is headquartered in San Antonio, Texas.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.What are the minimum car insurance requirements in Texas?
With rare exceptions, 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.
» MORE: The best pet insurance in Texas
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 can help 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.
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.
» MORE: Best home insurance in Texas
We nerd out on car insurance
NerdWallet’s editorial team takes pride in providing highly-researched resources that empower our readers to make informed decisions about their car insurance.
Here’s why you can trust NerdWallet:
We do our homework. All of our auto insurance content is diligently fact-checked before publication. Additionally, our editorial team regularly evaluates and reviews many of the auto insurance companies we write about. This means the star ratings you see on our company reviews remain up-to-date.
We analyze the data. NerdWallet updates our published car insurance rate averages once a month. To do that, we rigorously analyze more than 500 million auto insurance rates from across the country provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is solely editorial, and is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
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 2022 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-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.
