Cheap Car Insurance in Texas – August 2022

Geico offers the cheapest car insurance overall in Texas, with an average rate of $100 per month for full coverage.
Aug 1, 2022

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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.

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.

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 the country 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.

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Cheapest car insurance company overall in Texas

$100/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$31/month

4.5

NerdWallet rating 

Cheapest for young drivers

$177/month

3.5

NerdWallet rating 

Cheapest for drivers with poor credit

$100/month

4.5

NerdWallet rating 

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

The average cost of auto insurance in Texas

The average cost of full coverage car insurance in Texas is $1,749 per year, or about $146 per month, according to NerdWallet’s analysis. Minimum coverage in Texas is $611 per year on average, but we found you can likely get a cheaper policy than that. For example, Geico offers the cheapest rates in Texas at $377 per year, on average, for minimum liability coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Texas

NerdWallet’s editorial team analyzed car insurance rates from 16 auto insurers in Texas and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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.

Cheapest for 20-year-old drivers

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:

  1. Texas Farm Bureau: $2,127 per year, or about $177 per month.

  2. Geico: $2,506 per year, or about $209 per month.

  3. State Farm: $2,535 per year, or about $211 per month.

  4. Nationwide: $3,115 per year, or about $260 per month.

  5. Houston General: $3,212 per year, or about $268 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:

  1. Texas Farm Bureau: $843 per year, or about $70 per month.

  2. Geico: $882 per year, or about $74 per month.

  3. State Farm: $974 per year, or about $81 per month.

  4. Houston General: $1,044 per year, or about $87 per month.

  5. Dairyland: $1,231 per year, or about $103 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:

  1. Geico: $1,478 per year, or about $123 per month.

  2. Texas Farm Bureau: $1,496 per year, or about $125 per month.

  3. Dairyland: $1,527 per year, or about $127 per month.

  4. Houston General: $1,530 per year, or about $128 per month.

  5. Esurance: $1,839 per year, or about $153 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:

  1. Geico: $1,096 per year, or about $91 per month.

  2. State Farm: $1,249 per year, or about $104 per month.

  3. Texas Farm Bureau: $1,309 per year, or about $109 per month.

  4. Dairyland: $1,428 per year, or about $119 per month.

  5. Republic Group: $1,767 per year, or about $147 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.

  1. Geico: $1,184 per year, or about $99 per month.

  2. Dairyland: $1,251 per year, or about $104 per month.

  3. Houston General: $1,273 per year, or about $106 per month.

  4. Esurance: $1,417 per year, or about $118 per month.

  5. State Farm: $1,679 per year, or about $140 per month.

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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 with clean driving records may get the lowest rates from these companies:

  1. Geico: $1,217 per year, or about $101 per month.

  2. State Farm: $1,257 per year, or about $105 per month.

  3. Nationwide: $1,348 per year, or about $112 per month.

  4. Republic Group: $1,428 per year, or about $119 per month.

  5. Texas Farm Bureau: $1,442 per year, or about $120 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:

  1. Geico: $379 per year, or about $32 per month.

  2. State Farm: $439 per year, or about $37 per month.

  3. Texas Farm Bureau: $527 per year, or about $44 per month.

  4. Esurance: $531 per year, or about $44 per month.

  5. Houston General: $554 per year, or about $46 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:

  1. Nationwide: $1,902 per year, or about $158 per month.

  2. Geico: $2,168 per year, or about $181 per month.

  3. Redpoint County Mutual: $2,346 per year, or about $196 per month.

  4. Esurance: $2,482 per year, or about $207 per month.

  5. Republic Group: $2,525 per year, or about $210 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:

  1. State Farm: $1,568 per year, or about $131 per month.

  2. Geico: $1,800 per year, or about $150 per month.

  3. Republic Group: $2,047 per year, or about $171 per month.

  4. Nationwide: $2,186 per year, or about $182 per month.

  5. Texas Farm Bureau: $2,290 per year, or about $191 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.

  1. Esurance: $1,491 per year, or about $124 per month.

  2. Republic Group: $1,799 per year, or about $150 per month.

  3. Geico: $1,804 per year, or about $150 per month.

  4. State Farm: $2,064 per year, or about $172 per month.

  5. Mercury: $2,271 per year, or about $189 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:

  1. Geico: $1,198 per year, or about $100 per month.

  2. State Farm: $1,231 per year, or about $103 per month.

  3. Nationwide: $1,309 per year, or about $109 per month.

  4. Republic Group: $1,364 per year, or about $114 per month.

  5. Texas Farm Bureau: $1,382 per year, or about $115 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:

  1. Geico: $377 per year, or about $31 per month.

  2. State Farm: $443 per year, or about $37 per month.

  3. Houston General: $459 per year, or about $38 per month.

  4. Texas Farm Bureau: $494 per year, or about $41 per month.

  5. Mercury: $514 per year, or about $43 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:

  1. Nationwide: $1,846 per year, or about $154 per month.

  2. Geico: $2,140 per year, or about $178 per month.

  3. Mercury: $2,165 per year, or about $180 per month.

  4. Houston General: $2,278 per year, or about $190 per month.

  5. Redpoint County Mutual: $2,305 per year, or about $192 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:

  1. State Farm: $1,538 per year, or about $128 per month.

  2. Geico: $1,765 per year, or about $147 per month.

  3. Republic Group: $1,962 per year, or about $164 per month.

  4. Nationwide: $2,130 per year, or about $178 per month.

  5. Texas Farm Bureau: $2,199 per year, or about $183 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.

  1. Esurance: $1,418 per year, or about $118 per month.

  2. Republic Group: $1,734 per year, or about $144 per month.

  3. Geico: $1,781 per year, or about $148 per month.

  4. Mercury: $1,985 per year, or about $165 per month.

  5. State Farm: $2,028 per year, or about $169 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:

  1. Geico: $1,116 per year, or about $93 per month.

  2. State Farm: $1,192 per year, or about $99 per month.

  3. Republic Group: $1,225 per year, or about $102 per month.

  4. Nationwide: $1,227 per year, or about $102 per month.

  5. Esurance: $1,306 per year, or about $109 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:

  1. Geico: $361 per year, or about $30 per month.

  2. Houston General: $418 per year, or about $35 per month.

  3. State Farm: $432 per year, or about $36 per month.

  4. Texas Farm Bureau: $484 per year, or about $40 per month.

  5. Mercury: $493 per year, or about $41 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:

  1. Nationwide: $1,727 per year, or about $144 per month.

  2. Geico: $2,007 per year, or about $167 per month.

  3. Mercury: $2,017 per year, or about $168 per month.

  4. Houston General: $2,055 per year, or about $171 per month.

  5. Redpoint County Mutual: $2,133 per year, or about $178 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:

  1. State Farm: $1,493 per year, or about $124 per month.

  2. Geico: $1,660 per year, or about $138 per month.

  3. Republic Group: $1,785 per year, or about $149 per month.

  4. Nationwide: $2,015 per year, or about $168 per month.

  5. Texas Farm Bureau: $2,206 per year, or about $184 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.

  1. Esurance: $1,306 per year, or about $109 per month.

  2. Republic Group: $1,595 per year, or about $133 per month.

  3. Geico: $1,688 per year, or about $141 per month.

  4. Mercury: $1,938 per year, or about $162 per month.

  5. State Farm: $1,975 per year, or about $165 per month.

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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:

  1. Geico: $1,072 per year, or about $89 per month.

  2. State Farm: $1,124 per year, or about $94 per month.

  3. Texas Farm Bureau: $1,152 per year, or about $96 per month.

  4. Nationwide: $1,162 per year, or about $97 per month.

  5. Republic Group: $1,193 per year, or about $99 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:

  1. Geico: $351 per year, or about $29 per month.

  2. Houston General: $398 per year, or about $33 per month.

  3. State Farm: $411 per year, or about $34 per month.

  4. Texas Farm Bureau: $430 per year, or about $36 per month.

  5. Mercury: $489 per year, or about $41 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:

  1. Nationwide: $1,634 per year, or about $136 per month.

  2. Houston General: $1,899 per year, or about $158 per month.

  3. Mercury: $1,937 per year, or about $161 per month.

  4. Redpoint County Mutual: $1,940 per year, or about $162 per month.

  5. Geico: $1,999 per year, or about $167 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:

  1. State Farm: $1,412 per year, or about $118 per month.

  2. Geico: $1,613 per year, or about $134 per month.

  3. Republic Group: $1,742 per year, or about $145 per month.

  4. Texas Farm Bureau: $1,897 per year, or about $158 per month.

  5. Nationwide: $1,904 per year, or about $159 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.

  1. Esurance: $1,284 per year, or about $107 per month.

  2. Republic Group: $1,564 per year, or about $130 per month.

  3. Geico: $1,643 per year, or about $137 per month.

  4. Dairyland: $1,853 per year, or about $154 per month.

  5. State Farm: $1,876 per year, or about $156 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 five auto insurance options for 39 of the 48 driver profiles we examined.

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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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