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The Cheapest Car Insurance in Texas for September 2025

Texas Farm Bureau offers the cheapest full coverage in Texas, with an average rate of $1,286 per year, according to NerdWallet's September 2025 analysis.

The Cheapest Car Insurance in Texas for September 2025
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Sep 3, 2025
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NerdWallet analyzed rates for 18 insurers to find the cheapest auto insurance in Texas. Note that your rates will probably be different because of your personal characteristics. We recommend including your driving record and personal details to get car insurance quotes for your Texas ZIP code from several companies.

The cheapest car insurance companies in Texas

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

Coverage type

Driving record

Driver age

Credit-based insurance score

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.

  • Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating auto insurance.

  • More than 270 million 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

You may notice we reference “full coverage” and “liability coverage” when we talk about car insurance. Liability coverage is required in most states, and is often the minimum amount of insurance you need to legally drive. However, liability coverage only pays for damage you cause to other people. Full coverage typically combines liability coverage with comprehensive and collision coverage, which help pay for damage to your own car.

  • Our September 2025 analysis showed that Texas Farm Bureau is the most affordable car insurance company in Texas if you want full coverage, with an average rate of $107 a month and $1,286 a year.

    CompanyMedian annual rateMedian monthly rate
    Texas Farm Bureau$1,286$107
    Auto Club of SoCal$1,513$126
    State Farm$1,596$133
    GEICO$2,137$178
    Progressive$2,319$193

    Rates refreshed September 2025.

  • We found that Texas Farm Bureau has the cheapest liability insurance rates in Texas, with an average rate of $35 a month and $418 a year, according to NerdWallet's September 2025 analysis. (We list Texas’ minimum auto insurance requirements below.)

    CompanyMedian annual rateMedian monthly rate
    Texas Farm Bureau$418$35
    State Farm$447$37
    Auto Club of SoCal$547$46
    GEICO$580$48
    Allstate$675$56

    Rates refreshed September 2025.

Cheapest car insurance companies in Texas by driving record

Having a driving violation on your record is likely to increase your car insurance premium. NerdWallet found the companies offering the lowest minimum coverage car insurance rates for 35-year-old Texas drivers with different driving records. If you have multiple violations on your record, you may want to consider the best high-risk car insurance companies instead.

Most affordable car insurance in Texas by city

Your ZIP code is a big factor in how much you’ll pay for car insurance. In general, cities see more vandalism, theft and accidents than rural areas — so urban drivers could expect a higher insurance bill than folks in small towns.

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

More Nerdy Perspective

Auto insurance in Texas tends to be pricey, so check your policy for coverage you don’t need. I saved money on my car insurance premium by dropping roadside assistance and towing coverage, which I already had through my AAA membership.

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Profile photo of Lisa Green
Lisa Green, assigning editor on Insurance

Cheapest auto insurance rates in Texas by age

Age is one of the most important factors in determining how much you’ll pay for car insurance. Below you'll find full and liability coverage rates from the cheapest auto insurance companies in Texas for drivers across common age groups. All rates are for drivers with clean driving records and good credit.

Cheapest auto insurance in Texas by credit score

Your credit history can impact your auto insurance rates in Texas. Insurers use a credit-based insurance score to determine the likelihood you’ll file a claim. This score will often be a different number than your regular credit score, but it’s based on information included in your credit report.

  • NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Texas drivers with good credit.

    CompanyMedian annual rateMedian monthly rate
    Texas Farm Bureau$1,286$107
    Auto Club of SoCal$1,513$126
    State Farm$1,596$133
    GEICO$2,137$178
    Progressive$2,319$193

    Rates refreshed September 2025.

  • Our analysis shows that drivers across the U.S. with poor credit can expect to pay 67% more, on average, for full coverage than those with good credit.

    Here are the lowest car insurance rates for 35-year-old Texas drivers with poor credit, according to NerdWallet's September 2025 analysis.

    CompanyMedian annual rateMedian monthly rate
    Auto Club of SoCal$2,535$211
    Allstate$2,623$219
    GEICO$2,826$236
    Texas Farm Bureau$2,917$243
    Progressive$3,229$269

    Rates refreshed September 2025.

See what you could save on car insurance

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

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 due to bad credit or DUIs, look into the Texas Automobile Insurance Plan Association (TAIPA). It may be able to connect you with a company that will cover you.

To qualify, a TAIPA certified insurance agent must submit the application for you, and you must have been rejected by at least two insurance companies in the last 60 days.

In addition to TAIPA, there are a few other legally acceptable alternatives you can choose in Texas, 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

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.

Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:

35 years old

Single. Male or female.

2022 Toyota Camry LE

12,000 annual miles driven.

Good driving record and credit

  • No moving violations.

  • "Good driving" discount applied.

  • Good credit-based insurance score.

Bodily injury liability coverage

$100,000 per person. $300,000 per crash.

Property damage liability coverage

$50,000 per crash.

Uninsured motorist bodily injury coverage

$100,000 per person. $300,000 per crash.

Collision coverage

With a $1,000 deductible.

Comprehensive coverage

With a $1,000 deductible.

  • For all other driver profiles, we used the same assumptions, with the following exceptions:

    • We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for drivers with poor credit. These rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

    • 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.

    • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

    • For young drivers, we considered 20-year-olds with good credit and no driving violations.

    • For millennial drivers, we considered 40-year-olds with good credit and no driving violations. 

    • For senior drivers, we considered 70-year-olds with good credit and no driving violations.

These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.

Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

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