The Cheapest Auto Insurance in Texas for November 2025

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Updated Nov 3, 2025

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NerdWallet’s editors analyzed rates for 18 car insurance companies to find the cheapest ones in Texas. While we found that Tesla Insurance has the best rates in Texas for full coverage, the cheapest company for you might be different. That’s because your driving history, age, location and other personal details all affect your insurance costs. To get a good idea of what your rates could be, we recommend getting car insurance quotes for your ZIP code from several companies.

The cheapest car insurance companies in Texas, at a glance

These are the cheapest monthly average rates from some of the largest car insurers in Texas. We separated our comparisons by:

Coverage type

Full coverage | Tesla Insurance, $86 per month
Liability coverage | Tesla Insurance, $30 per month

Driving record

Speeding ticket | Tesla Insurance, $86 per month
At-fault accident | Tesla Insurance, $86 per month
DUI | Tesla Insurance, $86 per month

Driver age

Young drivers | Tesla Insurance, $86 per month
Millennial drivers | Tesla Insurance, $86 per month
Gen X drivers | Tesla Insurance, $86 per month
Senior drivers | Tesla Insurance, $86 per month

Credit-based insurance score

Good credit | Tesla Insurance, $86 per month
Poor credit | Tesla Insurance, $86 per month

These are median rates. Our base profile is a full coverage policy for a 35-year-old with a clean driving record and good credit.

Why you can trust NerdWallet
Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you.
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More than 1.5 billion rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in the state 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.

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Cheapest car insurance in Texas by coverage type

Your coverage plays a large part in your car insurance rates, and more coverage means a more expensive policy. Texas only requires you to carry a minimum of liability insurance to drive legally. This coverage only pays for injuries and damage you cause to other people.

To cover your own car, you’d need full coverage, a type of insurance that combines liability coverage with comprehensive and collision coverage. These help pay for damage to your own car after a hit-and-run, theft or accident you cause.

Full coverage costs more than liability-only insurance, but it can help you avoid having to cover unexpected repairs by yourself.

Tesla Insurance is the cheapest car insurance company in Texas for full coverage, with an average rate of $86 a month and $1,030 a year.

Company	Median annual rate	Median monthly rate
Tesla Insurance	$1,030	$86
Texas Farm Bureau	$1,286	$107
Auto Club of SoCal	$1,513	$126
State Farm	$1,590	$132
GEICO	$2,137	$178

Tesla Insurance is the cheapest car insurance company in Texas for minimum coverage, with an average rate of $30 a month and $363 a year.

Company	Median annual rate	Median monthly rate
Tesla Insurance	$363	$30
Texas Farm Bureau	$418	$35
State Farm	$447	$37
Auto Club of SoCal	$547	$46
GEICO	$580	$48

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.

Why is car insurance so expensive in Texas — and what can you do about it?

It’s not just you. Whether you’re a new driver or have a long record of safe driving, you may feel like it’s gotten harder to afford car insurance. In fact, rates for drivers across Texas have gone up as the number of accidents, claims and cars on the roads — as well as the cost of repairing damaged vehicles — have all increased.

Higher rates are probably here to stay, but we always recommend comparing quotes from a few insurers before buying or renewing a policy. It's a reliable way to make sure you don’t pay more than you have to for car insurance. Some drivers may find other ways to lower rates, like raising deductibles, reducing coverage levels on older cars or switching to per-mile insurance policies.

» MORE: The cheapest full coverage car insurance

Cheapest car insurance companies in Texas by driving record

Your rates are likely to go up after an accident or driving violation. If you have multiple violations on your record and you’re having a hard time finding an insurer, you might want to check out some of the best high-risk car insurance companies.

Cheapest for drivers with a speeding ticket
Tesla Insurance has the cheapest car insurance rates for drivers in Texas who have a speeding ticket, with an average rate of $86 per month and $1,030 per year for full coverage.
In most cases, a speeding ticket affects the cost of car insurance, though insurers calculate prices differently. If your rates went up after a recent ticket, you may still be able to get cheaper coverage by shopping with other car insurance companies in Texas.
Company Median annual rate Median monthly rate
Tesla Insurance $1,030 $86
Texas Farm Bureau $1,286 $107
State Farm $1,600 $133
GEICO $2,467 $206
Auto Club of SoCal $2,571 $214
Rates refreshed November 2025.
Cheapest for drivers with an at-fault accident
Tesla Insurance has the cheapest car insurance rates in Texas for drivers who have been in an at-fault accident, with an average rate of $86 per month and $1,030 per year for full coverage.
An accident can affect your car insurance costs for several years, although the exact length of time depends on your location and your insurer. But not all insurance companies use the same pricing model, so it can be hard to predict how much insurance will increase after an accident. You might find cheaper options if you shop around.
Company Median annual rate Median monthly rate
Tesla Insurance $1,030 $86
State Farm $1,847 $154
Texas Farm Bureau $2,021 $168
Auto Club of SoCal $2,571 $214
Allstate $2,825 $235
Rates refreshed November 2025.
Cheapest for drivers with a DUI
Tesla Insurance has the cheapest car insurance rates for drivers in Texas who have gotten a DUI, with an average rate of $86 per month and $1,030 per year for full coverage.
It’s especially important to shop for cheap car insurance after a DUI because of how much more expensive rates are than for someone who has a clean driving record. We found that before a DUI, a 35-year-old in Texas could get full coverage insurance for $249 a month, on average, while that same driver could pay $395, on average, for the same coverage after a DUI.
Company Median annual rate Median monthly rate
Tesla Insurance $1,030 $86
GEICO $2,486 $207
State Farm $2,543 $212
Progressive $2,695 $225
Allstate $3,431 $286
Rates refreshed November 2025.

Company	Median annual rate	Median monthly rate
Tesla Insurance	$364	$30
Texas Farm Bureau	$418	$35
State Farm	$447	$37
GEICO	$652	$54
Allstate	$675	$56

Cheapest car insurance in Texas by city

Your ZIP code is so important to your car insurance rates that even moving to a new neighborhood in your city can change what you pay for coverage. In general, cities see more vandalism, theft and accidents than rural areas. All of these differences mean that drivers living in cities could expect higher insurance rates than folks in small towns.

If you’re thinking about moving, estimate what your rates could be in your new home. This could help you avoid being surprised by a higher insurance bill once you’re settled in.

Here are the cheapest car insurance rates for some of the largest cities in Texas. Rates are for 35-year-old drivers.

Arlington

These are the cheapest car insurance rates in Arlington, according to our analysis. Read more about car insurance in Arlington.

Category	Cheapest Company	Median annual rate
Clean driving history	Tesla Insurance	$980
After a DUI	Tesla Insurance	$980
After an accident	Tesla Insurance	$980
After a speeding ticket	Tesla Insurance	$980
Having poor credit	Tesla Insurance	$980

Category	Cheapest Company	Median annual rate
Clean driving history	Tesla Insurance	$387
After a DUI	Tesla Insurance	$387
After an accident	Tesla Insurance	$387
After a speeding ticket	Tesla Insurance	$387
Having poor credit	Tesla Insurance	$387