The Cheapest Car Insurance in Texas for June 2024

Texas Farm Bureau offers the cheapest car insurance in Texas, with an average annual rate of $1,268 for full coverage.
Ben Moore
By Ben Moore 
Updated

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If you’re looking for cheap auto insurance in Texas, you’ve come to the right place. They say everything’s bigger in Texas, and while that might apply to the trucks you see on the road, it doesn’t need to describe your auto insurance bill. 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’s 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.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Texas. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

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

What is the cheapest car insurance in Texas?

The cheapest car insurance company in Texas is Texas Farm Bureau at $1,268 per year on average, or $106 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 $2,511 per year, or about $209 per month.

Minimum coverage in Texas is $816 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 $376 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in Texas

NerdWallet’s editorial team analyzed car insurance rates from 19 auto insurers in Texas and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. 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.

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 by age

Use the table below to navigate to the cheapest car insurance rates in Texas based on your age for both full and minimum coverage, plus credit and driving history.

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:

  1. Texas Farm Bureau: $1,918 per year, or about $160 per month.
  2. Geico: $2,898 per year, or about $242 per month.
  3. Auto Club of SoCal: $3,028 per year, or about $252 per month.
  4. Progressive: $3,489 per year, or about $291 per month.
  5. State Farm: $3,705 per year, or about $309 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: $702 per year, or about $59 per month.
  2. Geico: $982 per year, or about $82 per month.
  3. Progressive: $1,002 per year, or about $84 per month.
  4. Auto Club of SoCal: $1,145 per year, or about $95 per month.
  5. State Farm: $1,201 per year, or about $100 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. Texas Farm Bureau: $1,503 per year, or about $125 per month.
  2. Geico: $1,507 per year, or about $126 per month.
  3. Progressive: $1,602 per year, or about $134 per month.
  4. Auto Club of SoCal: $1,797 per year, or about $150 per month.
  5. Allstate: $2,258 per year, or about $188 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:

  1. Texas Farm Bureau: $702 per year, or about $59 per month.
  2. Geico: $992 per year, or about $83 per month.
  3. Progressive: $1,160 per year, or about $97 per month.
  4. State Farm: $1,208 per year, or about $101 per month.
  5. Auto Club of SoCal: $1,616 per year, or about $135 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. Texas Farm Bureau: $1,092 per year, or about $91 per month.
  2. Progressive: $1,209 per year, or about $101 per month.
  3. Geico: $1,236 per year, or about $103 per month.
  4. State Farm: $1,296 per year, or about $108 per month.
  5. Auto Club of SoCal: $1,962 per year, or about $164 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. Progressive: $1,124 per year, or about $94 per month.
  2. Geico: $1,315 per year, or about $110 per month.
  3. State Farm: $1,569 per year, or about $131 per month.
  4. Auto Club of SoCal: $1,941 per year, or about $162 per month.
  5. Mercury: $1,948 per year, or about $162 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:

  1. Texas Farm Bureau: $1,316 per year, or about $110 per month.
  2. Geico: $1,398 per year, or about $117 per month.
  3. State Farm: $1,619 per year, or about $135 per month.
  4. Auto Club of SoCal: $1,641 per year, or about $137 per month.
  5. Progressive: $1,817 per year, or about $151 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. State Farm: $379 per year, or about $32 per month.
  2. Texas Farm Bureau: $442 per year, or about $37 per month.
  3. Progressive: $518 per year, or about $43 per month.
  4. Geico: $540 per year, or about $45 per month.
  5. Auto Club of SoCal: $547 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. Geico: $1,791 per year, or about $149 per month.
  2. Allstate: $2,402 per year, or about $200 per month.
  3. Auto Club of SoCal: $2,578 per year, or about $215 per month.
  4. Texas Farm Bureau: $2,977 per year, or about $248 per month.
  5. Progressive: $3,151 per year, or about $263 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:

  1. State Farm: $379 per year, or about $32 per month.
  2. Texas Farm Bureau: $442 per year, or about $37 per month.
  3. Geico: $578 per year, or about $48 per month.
  4. Allstate: $640 per year, or about $53 per month.
  5. Progressive: $652 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:

  1. State Farm: $1,824 per year, or about $152 per month.
  2. Geico: $2,011 per year, or about $168 per month.
  3. Texas Farm Bureau: $2,069 per year, or about $172 per month.
  4. Auto Club of SoCal: $2,575 per year, or about $215 per month.
  5. Allstate: $2,582 per year, or about $215 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. Geico: $1,751 per year, or about $146 per month.
  2. Progressive: $2,114 per year, or about $176 per month.
  3. National General: $2,370 per year, or about $198 per month.
  4. State Farm: $2,530 per year, or about $211 per month.
  5. Auto Club of SoCal: $2,592 per year, or about $216 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. Texas Farm Bureau: $1,268 per year, or about $106 per month.
  2. Geico: $1,323 per year, or about $110 per month.
  3. State Farm: $1,584 per year, or about $132 per month.
  4. Auto Club of SoCal: $1,594 per year, or about $133 per month.
  5. Progressive: $1,633 per year, or about $136 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. State Farm: $384 per year, or about $32 per month.
  2. Texas Farm Bureau: $417 per year, or about $35 per month.
  3. Progressive: $468 per year, or about $39 per month.
  4. Geico: $526 per year, or about $44 per month.
  5. Auto Club of SoCal: $540 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:

  1. Geico: $1,740 per year, or about $145 per month.
  2. Allstate: $2,402 per year, or about $200 per month.
  3. Auto Club of SoCal: $2,505 per year, or about $209 per month.
  4. Progressive: $2,849 per year, or about $237 per month.
  5. Texas Farm Bureau: $2,871 per year, or about $239 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:

  1. State Farm: $384 per year, or about $32 per month.
  2. Texas Farm Bureau: $417 per year, or about $35 per month.
  3. Geico: $562 per year, or about $47 per month.
  4. Progressive: $598 per year, or about $50 per month.
  5. Allstate: $640 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:

  1. State Farm: $1,792 per year, or about $149 per month.
  2. Geico: $1,953 per year, or about $163 per month.
  3. Texas Farm Bureau: $1,992 per year, or about $166 per month.
  4. Auto Club of SoCal: $2,505 per year, or about $209 per month.
  5. Progressive: $2,581 per year, or about $215 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. Geico: $1,681 per year, or about $140 per month.
  2. Progressive: $1,920 per year, or about $160 per month.
  3. National General: $2,270 per year, or about $189 per month.
  4. State Farm: $2,493 per year, or about $208 per month.
  5. Auto Club of SoCal: $2,521 per year, or about $210 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: $1,186 per year, or about $99 per month.
  2. Texas Farm Bureau: $1,231 per year, or about $103 per month.
  3. Progressive: $1,491 per year, or about $124 per month.
  4. State Farm: $1,535 per year, or about $128 per month.
  5. Auto Club of SoCal: $1,557 per year, or about $130 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. State Farm: $376 per year, or about $31 per month.
  2. Texas Farm Bureau: $412 per year, or about $34 per month.
  3. Progressive: $434 per year, or about $36 per month.
  4. Geico: $477 per year, or about $40 per month.
  5. Auto Club of SoCal: $533 per year, or about $44 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. Geico: $1,636 per year, or about $136 per month.
  2. Allstate: $2,402 per year, or about $200 per month.
  3. Auto Club of SoCal: $2,444 per year, or about $204 per month.
  4. Progressive: $2,605 per year, or about $217 per month.
  5. Texas Farm Bureau: $2,784 per year, or about $232 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:

  1. State Farm: $376 per year, or about $31 per month.
  2. Texas Farm Bureau: $412 per year, or about $34 per month.
  3. Geico: $514 per year, or about $43 per month.
  4. Progressive: $560 per year, or about $47 per month.
  5. Allstate: $640 per year, or about $53 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: $1,731 per year, or about $144 per month.
  2. Geico: $1,732 per year, or about $144 per month.
  3. Texas Farm Bureau: $1,993 per year, or about $166 per month.
  4. Progressive: $2,441 per year, or about $203 per month.
  5. Auto Club of SoCal: $2,451 per year, or about $204 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. Geico: $1,550 per year, or about $129 per month.
  2. Progressive: $1,805 per year, or about $150 per month.
  3. National General: $2,212 per year, or about $184 per month.
  4. State Farm: $2,438 per year, or about $203 per month.
  5. Auto Club of SoCal: $2,472 per year, or about $206 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:

  1. Texas Farm Bureau: $1,053 per year, or about $88 per month.
  2. Geico: $1,151 per year, or about $96 per month.
  3. Progressive: $1,442 per year, or about $120 per month.
  4. State Farm: $1,452 per year, or about $121 per month.
  5. Auto Club of SoCal: $1,484 per year, or about $124 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. State Farm: $358 per year, or about $30 per month.
  2. Texas Farm Bureau: $362 per year, or about $30 per month.
  3. Progressive: $436 per year, or about $36 per month.
  4. Geico: $477 per year, or about $40 per month.
  5. Mercury: $529 per year, or about $44 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. Geico: $1,665 per year, or about $139 per month.
  2. Auto Club of SoCal: $2,331 per year, or about $194 per month.
  3. Texas Farm Bureau: $2,373 per year, or about $198 per month.
  4. Allstate: $2,402 per year, or about $200 per month.
  5. Progressive: $2,513 per year, or about $209 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:

  1. State Farm: $358 per year, or about $30 per month.
  2. Texas Farm Bureau: $362 per year, or about $30 per month.
  3. Geico: $519 per year, or about $43 per month.
  4. Progressive: $563 per year, or about $47 per month.
  5. Allstate: $640 per year, or about $53 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: $1,644 per year, or about $137 per month.
  2. Geico: $1,702 per year, or about $142 per month.
  3. Texas Farm Bureau: $1,706 per year, or about $142 per month.
  4. Auto Club of SoCal: $2,350 per year, or about $196 per month.
  5. Progressive: $2,392 per year, or about $199 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. Geico: $1,509 per year, or about $126 per month.
  2. Progressive: $1,757 per year, or about $146 per month.
  3. National General: $2,133 per year, or about $178 per month.
  4. State Farm: $2,353 per year, or about $196 per month.
  5. Auto Club of SoCal: $2,366 per year, or about $197 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:

  1. Texas Farm Bureau: $1,034 per year, or about $86 per month.
  2. Geico: $1,227 per year, or about $102 per month.
  3. State Farm: $1,494 per year, or about $125 per month.
  4. Progressive: $1,590 per year, or about $133 per month.
  5. Auto Club of SoCal: $1,636 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:

  1. Texas Farm Bureau: $362 per year, or about $30 per month.
  2. State Farm: $383 per year, or about $32 per month.
  3. Progressive: $485 per year, or about $40 per month.
  4. Geico: $535 per year, or about $45 per month.
  5. Auto Club of SoCal: $631 per year, or about $53 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:

  1. Geico: $2,018 per year, or about $168 per month.
  2. Texas Farm Bureau: $2,331 per year, or about $194 per month.
  3. Allstate: $2,402 per year, or about $200 per month.
  4. Auto Club of SoCal: $2,569 per year, or about $214 per month.
  5. Progressive: $2,746 per year, or about $229 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:

  1. Texas Farm Bureau: $362 per year, or about $30 per month.
  2. State Farm: $383 per year, or about $32 per month.
  3. Geico: $591 per year, or about $49 per month.
  4. Allstate: $640 per year, or about $53 per month.
  5. Progressive: $655 per year, or about $55 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:

  1. State Farm: $1,695 per year, or about $141 per month.
  2. Texas Farm Bureau: $1,728 per year, or about $144 per month.
  3. Geico: $1,794 per year, or about $150 per month.
  4. Allstate: $2,582 per year, or about $215 per month.
  5. Auto Club of SoCal: $2,636 per year, or about $220 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.

  1. Geico: $1,581 per year, or about $132 per month.
  2. Progressive: $1,944 per year, or about $162 per month.
  3. State Farm: $2,399 per year, or about $200 per month.
  4. National General: $2,566 per year, or about $214 per month.
  5. Auto Club of SoCal: $2,643 per year, or about $220 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 65 of the 70 driver profiles we examined.

How to get cheap car insurance in Texas

Finding affordable car insurance in Texas can be tricky. Here are some simple ways to get a better deal:

  • Shop around. Car insurance companies regularly change their pricing models. That’s why NerdWallet recommends comparing car insurance quotes from multiple insurers at least once a year to get the best rate possible.

  • Ask about discounts. Many car insurance companies offer a suite of discounts to entice new customers. It may be worth checking with your insurer to see if there are any car insurance discounts you may be eligible for that you’re not currently getting.

  • Drop unnecessary coverage. You can lower your car insurance premiums by getting rid of optional coverage types you no longer need. For example, comprehensive and collision insurance cover repairs for damage to your vehicle in a variety of situations, up to the market value of your car. If you own an older car that’s not worth much, you can likely drop these coverage types.

  • Raise your deductible. A car insurance deductible is the amount of money you pay out of pocket before your car insurance kicks in. The higher your deductible, the lower your car insurance premium. Just make sure you have enough money stashed away to cover the higher amount.

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.

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 2021 Toyota Camry LE 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.

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