The Cheapest Car Insurance in Texas for February 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.

🤓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.

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.

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 $2,966 per year, or about $247 per month.

Minimum coverage in Texas is $874 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 $372 per year, on average, for minimum 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 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. Auto Club of SoCal: $3,254 per year, or about $271 per month.
  3. Geico: $3,385 per year, or about $282 per month.
  4. State Farm: $3,748 per year, or about $312 per month.
  5. Germania: $4,473 per year, or about $373 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. Dairyland: $900 per year, or about $75 per month.
  3. Geico: $1,103 per year, or about $92 per month.
  4. State Farm: $1,186 per year, or about $99 per month.
  5. Auto Club of SoCal: $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. Dairyland: $1,138 per year, or about $95 per month.
  2. Texas Farm Bureau: $1,503 per year, or about $125 per month.
  3. Geico: $1,509 per year, or about $126 per month.
  4. Auto Club of SoCal: $1,912 per year, or about $159 per month.
  5. Allstate: $2,008 per year, or about $167 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. Dairyland: $1,127 per year, or about $94 per month.
  3. Geico: $1,170 per year, or about $98 per month.
  4. State Farm: $1,193 per year, or about $99 per month.
  5. Auto Club of SoCal: $1,719 per year, or about $143 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. Dairyland: $1,157 per year, or about $96 per month.
  3. State Farm: $1,264 per year, or about $105 per month.
  4. Geico: $1,576 per year, or about $131 per month.
  5. Progressive: $1,839 per year, or about $153 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. Dairyland: $1,094 per year, or about $91 per month.
  2. Geico: $1,452 per year, or about $121 per month.
  3. State Farm: $1,513 per year, or about $126 per month.
  4. Progressive: $1,720 per year, or about $143 per month.
  5. Auto Club of SoCal: $2,065 per year, or about $172 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. State Farm: $1,631 per year, or about $136 per month.
  3. Auto Club of SoCal: $1,755 per year, or about $146 per month.
  4. Geico: $1,959 per year, or about $163 per month.
  5. Allstate: $2,352 per year, or about $196 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: $374 per year, or about $31 per month.
  2. Texas Farm Bureau: $442 per year, or about $37 per month.
  3. Dairyland: $511 per year, or about $43 per month.
  4. Allstate: $570 per year, or about $48 per month.
  5. Geico: $587 per year, or about $49 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. Allstate: $2,352 per year, or about $196 per month.
  2. Geico: $2,641 per year, or about $220 per month.
  3. Auto Club of SoCal: $2,728 per year, or about $227 per month.
  4. Texas Farm Bureau: $2,977 per year, or about $248 per month.
  5. Germania: $4,404 per year, or about $367 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: $374 per year, or about $31 per month.
  2. Texas Farm Bureau: $442 per year, or about $37 per month.
  3. Allstate: $570 per year, or about $48 per month.
  4. Geico: $644 per year, or about $54 per month.
  5. Dairyland: $818 per year, or about $68 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: $1,805 per year, or about $150 per month.
  2. Texas Farm Bureau: $2,069 per year, or about $172 per month.
  3. Allstate: $2,534 per year, or about $211 per month.
  4. Auto Club of SoCal: $2,743 per year, or about $229 per month.
  5. Germania: $3,073 per year, or about $256 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: $2,203 per year, or about $184 per month.
  2. State Farm: $2,436 per year, or about $203 per month.
  3. Auto Club of SoCal: $2,757 per year, or about $230 per month.
  4. Allstate: $3,102 per year, or about $259 per month.
  5. Progressive: $3,604 per year, or about $300 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. State Farm: $1,592 per year, or about $133 per month.
  3. Auto Club of SoCal: $1,705 per year, or about $142 per month.
  4. Geico: $1,907 per year, or about $159 per month.
  5. Germania: $2,249 per year, or about $187 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: $379 per year, or about $32 per month.
  2. Dairyland: $416 per year, or about $35 per month.
  3. Texas Farm Bureau: $417 per year, or about $35 per month.
  4. Allstate: $570 per year, or about $48 per month.
  5. Geico: $570 per year, or about $47 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. Allstate: $2,352 per year, or about $196 per month.
  2. Geico: $2,505 per year, or about $209 per month.
  3. Auto Club of SoCal: $2,650 per year, or about $221 per month.
  4. Texas Farm Bureau: $2,871 per year, or about $239 per month.
  5. Germania: $4,074 per year, or about $340 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: $379 per year, or about $32 per month.
  2. Texas Farm Bureau: $417 per year, or about $35 per month.
  3. Allstate: $570 per year, or about $48 per month.
  4. Geico: $633 per year, or about $53 per month.
  5. Dairyland: $666 per year, or about $56 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: $1,769 per year, or about $147 per month.
  2. Texas Farm Bureau: $1,992 per year, or about $166 per month.
  3. Allstate: $2,534 per year, or about $211 per month.
  4. Auto Club of SoCal: $2,668 per year, or about $222 per month.
  5. Germania: $2,882 per year, or about $240 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: $2,172 per year, or about $181 per month.
  2. State Farm: $2,406 per year, or about $201 per month.
  3. Auto Club of SoCal: $2,679 per year, or about $223 per month.
  4. Allstate: $3,102 per year, or about $259 per month.
  5. Progressive: $3,265 per year, or about $272 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. Texas Farm Bureau: $1,231 per year, or about $103 per month.
  2. Geico: $1,405 per year, or about $117 per month.
  3. State Farm: $1,533 per year, or about $128 per month.
  4. Auto Club of SoCal: $1,667 per year, or about $139 per month.
  5. Germania: $2,051 per year, or about $171 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: $372 per year, or about $31 per month.
  2. Dairyland: $395 per year, or about $33 per month.
  3. Texas Farm Bureau: $412 per year, or about $34 per month.
  4. Geico: $519 per year, or about $43 per month.
  5. Allstate: $570 per year, or about $48 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: $2,243 per year, or about $187 per month.
  2. Allstate: $2,352 per year, or about $196 per month.
  3. Auto Club of SoCal: $2,590 per year, or about $216 per month.
  4. Texas Farm Bureau: $2,784 per year, or about $232 per month.
  5. Germania: $3,715 per year, or about $310 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: $372 per year, or about $31 per month.
  2. Texas Farm Bureau: $412 per year, or about $34 per month.
  3. Allstate: $570 per year, or about $48 per month.
  4. Geico: $573 per year, or about $48 per month.
  5. Dairyland: $631 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: $1,711 per year, or about $143 per month.
  2. Texas Farm Bureau: $1,993 per year, or about $166 per month.
  3. Allstate: $2,534 per year, or about $211 per month.
  4. Auto Club of SoCal: $2,607 per year, or about $217 per month.
  5. Geico: $2,669 per year, or about $222 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: $1,651 per year, or about $138 per month.
  2. State Farm: $2,347 per year, or about $196 per month.
  3. Auto Club of SoCal: $2,623 per year, or about $219 per month.
  4. Progressive: $3,065 per year, or about $255 per month.
  5. Allstate: $3,102 per year, or about $259 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. State Farm: $1,443 per year, or about $120 per month.
  3. Geico: $1,450 per year, or about $121 per month.
  4. Auto Club of SoCal: $1,593 per year, or about $133 per month.
  5. Germania: $2,015 per year, or about $168 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: $353 per year, or about $29 per month.
  2. Texas Farm Bureau: $362 per year, or about $30 per month.
  3. Dairyland: $399 per year, or about $33 per month.
  4. Geico: $519 per year, or about $43 per month.
  5. Auto Club of SoCal: $570 per year, or about $48 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: $2,186 per year, or about $182 per month.
  2. Allstate: $2,352 per year, or about $196 per month.
  3. Texas Farm Bureau: $2,373 per year, or about $198 per month.
  4. Auto Club of SoCal: $2,475 per year, or about $206 per month.
  5. Germania: $3,649 per year, or about $304 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: $353 per year, or about $29 per month.
  2. Texas Farm Bureau: $362 per year, or about $30 per month.
  3. Allstate: $570 per year, or about $48 per month.
  4. Geico: $573 per year, or about $48 per month.
  5. Dairyland: $636 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: $1,622 per year, or about $135 per month.
  2. Texas Farm Bureau: $1,706 per year, or about $142 per month.
  3. Auto Club of SoCal: $2,505 per year, or about $209 per month.
  4. Allstate: $2,534 per year, or about $211 per month.
  5. Germania: $2,670 per year, or about $223 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: $1,644 per year, or about $137 per month.
  2. State Farm: $2,254 per year, or about $188 per month.
  3. Auto Club of SoCal: $2,514 per year, or about $210 per month.
  4. Progressive: $2,973 per year, or about $248 per month.
  5. Allstate: $3,102 per year, or about $259 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. State Farm: $1,494 per year, or about $124 per month.
  3. Geico: $1,574 per year, or about $131 per month.
  4. Auto Club of SoCal: $1,766 per year, or about $147 per month.
  5. Germania: $2,287 per year, or about $191 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: $378 per year, or about $32 per month.
  3. Dairyland: $433 per year, or about $36 per month.
  4. Allstate: $570 per year, or about $48 per month.
  5. Geico: $582 per year, or about $49 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. Texas Farm Bureau: $2,331 per year, or about $194 per month.
  2. Allstate: $2,352 per year, or about $196 per month.
  3. Geico: $2,354 per year, or about $196 per month.
  4. Auto Club of SoCal: $2,741 per year, or about $228 per month.
  5. Germania: $4,143 per year, or about $345 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: $378 per year, or about $32 per month.
  3. Allstate: $570 per year, or about $48 per month.
  4. Geico: $639 per year, or about $53 per month.
  5. Dairyland: $690 per year, or about $58 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: $1,667 per year, or about $139 per month.
  2. Texas Farm Bureau: $1,728 per year, or about $144 per month.
  3. Allstate: $2,534 per year, or about $211 per month.
  4. Auto Club of SoCal: $2,819 per year, or about $235 per month.
  5. Geico: $2,891 per year, or about $241 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: $1,785 per year, or about $149 per month.
  2. State Farm: $2,303 per year, or about $192 per month.
  3. Auto Club of SoCal: $2,823 per year, or about $235 per month.
  4. Allstate: $3,102 per year, or about $259 per month.
  5. Progressive: $3,235 per year, or about $270 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 69 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 (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 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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