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
Full coverage | Texas Farm Bureau, $116
Liability coverage | State Farm, $36
Driving record
Speeding ticket | Texas Farm Bureau, $116
At-fault accident | State Farm, $164
DUI | Progressive, $225
Driver age
Young drivers | Texas Farm Bureau, $175
Millennial drivers | Texas Farm Bureau, $116
Senior drivers | Texas Farm Bureau, $94
Credit-based insurance score
Good credit | Texas Farm Bureau, $116
Poor credit | Texas Farm Bureau, $264
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.
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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.
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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.
- Cheapest for full coverage
Our August 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 $116 a month and $1,388 a year.
Company Median annual rate Median monthly rate Texas Farm Bureau $1,388 $116 State Farm $1,712 $143 Progressive $2,319 $193 GEICO $2,470 $206 Germania $2,866 $239 Rates refreshed August 2025.
- Cheapest for liability coverage
We found that State Farm has the cheapest liability insurance rates in Texas, with an average rate of $36 a month and $430 a year, according to NerdWallet's August 2025 analysis. (We list Texas’ minimum auto insurance requirements below.)
Company Median annual rate Median monthly rate State Farm $430 $36 Texas Farm Bureau $435 $36 GEICO $580 $48 Auto Club of SoCal $605 $50 Allstate $675 $56 Rates refreshed August 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.
- Cheapest for drivers with a speeding ticket
In most cases, a speeding ticket affects the cost of car insurance — but insurers calculate prices differently. If your rate 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 Texas Farm Bureau $1,388 $116 State Farm $1,712 $143 Germania $2,866 $239 GEICO $2,924 $244 Progressive $3,026 $252 Company Median annual rate Median monthly rate State Farm $430 $36 Texas Farm Bureau $435 $36 GEICO $652 $54 Allstate $675 $56 Germania $1,005 $84 Rates refreshed August 2025.
- Cheapest for drivers with an at-fault accident
An accident can affect your car insurance costs for several years, although the exact length 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 State Farm $1,969 $164 Texas Farm Bureau $2,180 $182 Progressive $3,244 $270 Germania $3,663 $305 Allstate $3,973 $331 Company Median annual rate Median monthly rate State Farm $529 $44 Allstate $713 $59 Texas Farm Bureau $745 $62 GEICO $1,003 $84 Auto Club of SoCal $1,026 $86 Rates refreshed August 2025.
- Cheapest for drivers with a DUI
Our analysis showed that a 35-year-old in Texas with a clean driving history could get full coverage insurance for $292 a month, on average, while that same driver could pay $488, on average, for the same coverage after a DUI. This makes it especially valuable to shop for cheap car insurance after a DUI.
Company Median annual rate Median monthly rate Progressive $2,695 $225 State Farm $2,720 $227 GEICO $2,960 $247 Home State $3,439 $287 Allstate $4,903 $409 Company Median annual rate Median monthly rate GEICO $794 $66 State Farm $824 $69 Allstate $825 $69 Home State $1,119 $93 Progressive $1,175 $98 Rates refreshed August 2025.
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.
- 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 Texas Farm Bureau $1,517 After a DUI Progressive $2,921 After an accident State Farm $2,354 After a speeding ticket Texas Farm Bureau $1,517 Having poor credit GEICO $3,412 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $517 After a DUI GEICO $904 After an accident State Farm $665 After a speeding ticket Texas Farm Bureau $517 Having poor credit Allstate $845 Rates refreshed August 2025.
- Austin
The rates below are the cheapest in Austin, according to our analysis. Read more about car insurance in Austin.
Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $1,544 After a DUI Progressive $2,711 After an accident State Farm $2,038 After a speeding ticket Texas Farm Bureau $1,544 Having poor credit GEICO $3,180 Category Cheapest Company Median annual rate Clean driving history State Farm $502 After a DUI GEICO $845 After an accident State Farm $607 After a speeding ticket State Farm $512 Having poor credit Allstate $841 Rates refreshed August 2025.
- Dallas
The car insurance rates below are the cheapest in Dallas, according to our analysis. Read more about car insurance in Dallas.
Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $1,846 After a DUI Progressive $3,239 After an accident State Farm $2,588 After a speeding ticket Texas Farm Bureau $1,846 Having poor credit GEICO $3,810 Category Cheapest Company Median annual rate Clean driving history State Farm $621 After a DUI GEICO $1,095 After an accident State Farm $744 After a speeding ticket State Farm $614 Having poor credit Allstate $1,023 Rates refreshed August 2025.
- El Paso
The rates below are the cheapest in El Paso, according to our analysis. Read more about car insurance in El Paso.
Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $1,314 After a DUI Progressive $2,454 After an accident Texas Farm Bureau $2,032 After a speeding ticket Texas Farm Bureau $1,314 Having poor credit Progressive $2,925 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $399 After a DUI National General $866 After an accident State Farm $562 After a speeding ticket Texas Farm Bureau $399 Having poor credit Texas Farm Bureau $839 Rates refreshed August 2025.
- Fort Worth
Below are the cheapest car insurance rates in Fort Worth, according to our analysis. Read more about car insurance in Fort Worth.
Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $1,517 After a DUI Progressive $2,871 After an accident State Farm $2,271 After a speeding ticket Texas Farm Bureau $1,517 Having poor credit GEICO $3,404 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $517 After a DUI GEICO $911 After an accident State Farm $662 After a speeding ticket Texas Farm Bureau $517 Having poor credit Allstate $845 Rates refreshed August 2025.
- Houston
These are the cheapest car insurance rates in Houston, according to our analysis. Read more about car insurance in Houston.
Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $1,705 After a DUI GEICO $3,384 After an accident State Farm $2,496 After a speeding ticket Texas Farm Bureau $1,705 Having poor credit Texas Farm Bureau $3,807 Category Cheapest Company Median annual rate Clean driving history State Farm $610 After a DUI National General $1,154 After an accident State Farm $752 After a speeding ticket State Farm $610 Having poor credit Allstate $1,019 Rates refreshed August 2025.
- Katy
These are the cheapest car insurance rates in Katy, according to our analysis. Read more about car insurance in Katy.
Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $1,466 After a DUI Progressive $3,029 After an accident State Farm $2,324 After a speeding ticket Texas Farm Bureau $1,466 Having poor credit Texas Farm Bureau $3,219 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $527 After a DUI State Farm $1,075 After an accident State Farm $703 After a speeding ticket Texas Farm Bureau $527 Having poor credit Allstate $1,022 Rates refreshed August 2025.
- San Antonio
These are the cheapest car insurance rates in San Antonio, according to our analysis. Read more about car insurance in San Antonio.
Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $1,543 After a DUI GEICO $2,947 After an accident State Farm $2,335 After a speeding ticket Texas Farm Bureau $1,543 Having poor credit Texas Farm Bureau $3,500 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $553 After a DUI GEICO $1,022 After an accident State Farm $683 After a speeding ticket Texas Farm Bureau $553 Having poor credit Allstate $935 Rates refreshed August 2025.
- Spring
These are the cheapest car insurance rates in Spring, according to our analysis. Read more about car insurance in Spring.
Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $1,550 After a DUI Progressive $2,805 After an accident State Farm $2,161 After a speeding ticket Texas Farm Bureau $1,550 Having poor credit Progressive $3,299 Category Cheapest Company Median annual rate Clean driving history State Farm $551 After a DUI GEICO $1,053 After an accident State Farm $702 After a speeding ticket State Farm $551 Having poor credit Allstate $912 Rates refreshed August 2025.
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.
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 for young drivers
Prices can be sky-high in your 20s, but tend to come down as drivers get more experience on the road. Still, some companies may offer more affordable car insurance for young drivers, so it's best to shop around to find them. Read more about car insurance for teens and young drivers.
Company Median annual rate Median monthly rate Texas Farm Bureau $2,096 $175 State Farm $4,070 $339 GEICO $4,162 $347 Progressive $4,240 $353 Germania $5,367 $447 Company Median annual rate Median monthly rate Texas Farm Bureau $734 $61 GEICO $1,181 $98 Auto Club of SoCal $1,256 $105 State Farm $1,449 $121 Progressive $1,680 $140 Rates refreshed August 2025.
- Cheapest for millennial drivers
While insurance rates vary by age and gender, drivers in their 30s can often expect to get cheap insurance rates from most companies. However, you may find even cheaper rates from smaller or regional insurers.
Company Median annual rate Median monthly rate Texas Farm Bureau $1,388 $116 State Farm $1,712 $143 Progressive $2,319 $193 GEICO $2,470 $206 Germania $2,866 $239 Company Median annual rate Median monthly rate State Farm $430 $36 Texas Farm Bureau $435 $36 GEICO $580 $48 Auto Club of SoCal $605 $50 Allstate $675 $56 Rates refreshed August 2025.
- Cheapest for senior drivers
Our analysis shows that older drivers with a good credit score and clean driving history enjoy some of the most affordable auto insurance rates, but car insurance rates for senior drivers can start to creep up once you reach your 70s.
Company Median annual rate Median monthly rate Texas Farm Bureau $1,130 $94 State Farm $1,625 $135 Progressive $1,965 $164 GEICO $2,083 $174 Auto Club of SoCal $2,470 $206 Company Median annual rate Median monthly rate Texas Farm Bureau $378 $32 State Farm $453 $38 GEICO $571 $48 Auto Club of SoCal $601 $50 Allstate $675 $56 Rates refreshed August 2025.
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.
- Cheapest for drivers with good credit
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Texas drivers with good credit.
Company Median annual rate Median monthly rate Texas Farm Bureau $1,388 $116 State Farm $1,712 $143 Progressive $2,319 $193 GEICO $2,470 $206 Germania $2,866 $239 Company Median annual rate Median monthly rate Allstate $675 $56 GEICO $841 $70 Texas Farm Bureau $921 $77 Auto Club of SoCal $1,097 $91 Dairyland $1,272 $106 Rates refreshed August 2025.
- Cheapest for drivers with poor credit
Our analysis shows that drivers across the U.S. with poor credit can expect to pay 68% 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 August 2025 analysis.
Company Median annual rate Median monthly rate Texas Farm Bureau $3,162 $264 Progressive $3,229 $269 GEICO $3,244 $270 Allstate $3,663 $305 Home State $4,167 $347 Company Median annual rate Median monthly rate Allstate $675 $56 GEICO $841 $70 Texas Farm Bureau $921 $77 Auto Club of SoCal $1,097 $91 Dairyland $1,272 $106 Rates refreshed August 2025.
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Secure. Free. Easy-to-use.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.
2025 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.
- See characteristics for other driver profiles
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.
