Fact CheckedNerdWallet’s editors analyzed rates for 18 car insurance companies to find the cheapest ones in Texas. While we found that Texas Farm Bureau 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 | Texas Farm Bureau, $107 per month
Liability coverage | Texas Farm Bureau, $35 per month
Driving record
Speeding ticket | Texas Farm Bureau, $107 per month
At-fault accident | State Farm, $155 per month
DUI | GEICO, $207 per month
Driver age
Young drivers | Texas Farm Bureau, $162 per month
Millennial drivers | Texas Farm Bureau, $111 per month
Gen X drivers | Texas Farm Bureau, $104 per month
Senior drivers | Texas Farm Bureau, $87 per month
Credit-based insurance score
Good credit | Texas Farm Bureau, $107 per month
Poor credit | Auto Club of SoCal, $211 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.
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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.
Texas Farm Bureau is the cheapest car insurance company in Texas for full coverage, with an average rate of $107 a month and $1,286 a year.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,286 | $107 |
| Auto Club of SoCal | $1,513 | $126 |
| State Farm | $1,595 | $133 |
| GEICO | $2,137 | $178 |
| Progressive | $2,319 | $193 |
Texas Farm Bureau is the cheapest car insurance company in Texas for minimum coverage, with an average rate of $35 a month and $418 a year.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $418 | $35 |
| State Farm | $447 | $37 |
| Auto Club of SoCal | $547 | $46 |
| GEICO | $580 | $48 |
| Allstate | $675 | $56 |
- 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.
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
Texas Farm Bureau has the cheapest car insurance rates for drivers in Texas who have a speeding ticket, with an average rate of $107 per month and $1,286 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 Texas Farm Bureau $1,286 $107 State Farm $1,608 $134 GEICO $2,467 $206 Auto Club of SoCal $2,571 $214 Allstate $2,623 $219 Company Median annual rate Median monthly rate Texas Farm Bureau $418 $35 State Farm $447 $37 GEICO $651 $54 Allstate $675 $56 Auto Club of SoCal $929 $77 Rates refreshed October 2025.
- Cheapest for drivers with an at-fault accident
State Farm has the cheapest car insurance rates in Texas for drivers who have been in an at-fault accident, with an average rate of $155 per month and $1,857 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 State Farm $1,857 $155 Texas Farm Bureau $2,021 $168 Auto Club of SoCal $2,571 $214 Allstate $2,825 $235 Progressive $3,244 $270 Company Median annual rate Median monthly rate State Farm $554 $46 Allstate $713 $59 Texas Farm Bureau $714 $60 Auto Club of SoCal $929 $77 GEICO $1,003 $84 Rates refreshed October 2025.
- Cheapest for drivers with a DUI
GEICO has the cheapest car insurance rates for drivers in Texas who have gotten a DUI, with an average rate of $207 per month and $2,486 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 $282 a month, on average, while that same driver could pay $433, on average, for the same coverage after a DUI.
Company Median annual rate Median monthly rate GEICO $2,486 $207 State Farm $2,550 $213 Progressive $2,695 $225 Allstate $3,431 $286 Auto Club of SoCal $3,885 $324 Company Median annual rate Median monthly rate GEICO $794 $66 Allstate $825 $69 State Farm $862 $72 Progressive $1,175 $98 National General $1,241 $103 Rates refreshed October 2025.
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 Texas Farm Bureau $1,409 After a DUI GEICO $2,717 After an accident State Farm $2,212 After a speeding ticket Texas Farm Bureau $1,409 Having poor credit Auto Club of SoCal $2,773 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $495 After a DUI GEICO $904 After an accident State Farm $697 After a speeding ticket Texas Farm Bureau $495 Having poor credit Allstate $845 Rates refreshed October 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 $1,441 After a DUI GEICO $2,324 After an accident State Farm $1,949 After a speeding ticket Texas Farm Bureau $1,441 Having poor credit Auto Club of SoCal $2,566 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $530 After a DUI GEICO $845 After an accident State Farm $674 After a speeding ticket State Farm $512 Having poor credit Allstate $841 Rates refreshed October 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 $1,719 After a DUI GEICO $2,799 After an accident State Farm $2,452 After a speeding ticket Texas Farm Bureau $1,719 Having poor credit Auto Club of SoCal $3,167 Category Cheapest Company Median annual rate Clean driving history State Farm $628 After a DUI GEICO $1,095 After an accident State Farm $792 After a speeding ticket Texas Farm Bureau $647 Having poor credit Allstate $1,023 Rates refreshed October 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 $1,212 After a DUI Progressive $2,454 After an accident Texas Farm Bureau $1,880 After a speeding ticket Texas Farm Bureau $1,212 Having poor credit Texas Farm Bureau $2,756 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $381 After a DUI National General $866 After an accident State Farm $585 After a speeding ticket Texas Farm Bureau $381 Having poor credit Texas Farm Bureau $801 Rates refreshed October 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 $1,409 After a DUI GEICO $2,719 After an accident State Farm $2,153 After a speeding ticket Texas Farm Bureau $1,409 Having poor credit Auto Club of SoCal $2,707 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $495 After a DUI GEICO $911 After an accident State Farm $694 After a speeding ticket Texas Farm Bureau $495 Having poor credit Allstate $845 Rates refreshed October 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 $1,586 After a DUI GEICO $2,901 After an accident State Farm $2,355 After a speeding ticket Texas Farm Bureau $1,586 Having poor credit Allstate $3,217 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $592 After a DUI National General $1,154 After an accident State Farm $788 After a speeding ticket Texas Farm Bureau $592 Having poor credit Allstate $1,019 Rates refreshed October 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 $1,365 After a DUI GEICO $2,680 After an accident State Farm $2,182 After a speeding ticket Texas Farm Bureau $1,365 Having poor credit Texas Farm Bureau $2,984 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $505 After a DUI GEICO $1,122 After an accident State Farm $722 After a speeding ticket Texas Farm Bureau $505 Having poor credit Allstate $1,022 Rates refreshed October 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 $1,433 After a DUI GEICO $2,529 After an accident State Farm $2,191 After a speeding ticket Texas Farm Bureau $1,433 Having poor credit Auto Club of SoCal $2,746 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $528 After a DUI GEICO $1,022 After an accident State Farm $702 After a speeding ticket Texas Farm Bureau $528 Having poor credit Allstate $935 Rates refreshed October 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 $1,442 After a DUI GEICO $2,688 After an accident State Farm $2,045 After a speeding ticket Texas Farm Bureau $1,442 Having poor credit Auto Club of SoCal $2,997 Category Cheapest Company Median annual rate Clean driving history Texas Farm Bureau $537 After a DUI GEICO $1,053 After an accident State Farm $714 After a speeding ticket Texas Farm Bureau $537 Having poor credit Allstate $912 Rates refreshed October 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 car insurance rates in Texas by age
Insurers use your age to help them determine how likely you are to make a claim. This is why younger, newly licensed drivers who have less experience on the road see much higher rates than people in their 40s and 50s who have often been driving much longer.
As you get older, it’s a good idea to compare quotes before you renew your coverage. You might find that the cheapest company when you were younger stops being a bargain once you’re older.
- Cheapest for young drivers
Texas Farm Bureau has the cheapest car insurance rates for young drivers in Texas, with an average rate of $162 per month and $1,945 per year for full coverage.
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 relatively cheap car insurance for young drivers, so it's best to shop around to find them.
Company Median annual rate Median monthly rate Texas Farm Bureau $1,945 $162 Auto Club of SoCal $2,902 $242 GEICO $3,551 $296 State Farm $3,859 $322 Progressive $4,240 $353 Company Median annual rate Median monthly rate Texas Farm Bureau $704 $59 Auto Club of SoCal $1,155 $96 GEICO $1,181 $98 State Farm $1,507 $126 Progressive $1,680 $140 Rates refreshed October 2025.
- Cheapest for millennial drivers
Texas Farm Bureau has the cheapest car insurance rates for millennial drivers in Texas, with an average rate of $111 per month and $1,334 per year for full coverage.
While insurance rates vary by age and gender, drivers in their 30s can often expect to get relatively affordable 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 $1,334 $111 Auto Club of SoCal $1,576 $131 State Farm $1,643 $137 GEICO $2,169 $181 Progressive $2,440 $203 Company Median annual rate Median monthly rate Texas Farm Bureau $443 $37 State Farm $450 $38 Auto Club of SoCal $569 $47 GEICO $595 $50 Allstate $675 $56 Rates refreshed October 2025.
- Cheapest for Gen X drivers
Texas Farm Bureau has the cheapest car insurance in Texas for Gen X drivers, with an average rate of $104 per month and $1,248 per year for full coverage.
Drivers in their 40s and 50s often have a great chance of finding cheap rates from more than one insurer. If you’re looking for ways to get even cheaper insurance at this age, consider dropping some coverage if you have more car insurance than you need, especially if you drive an old car and no longer have an auto loan.
Company Median annual rate Median monthly rate Texas Farm Bureau $1,248 $104 Auto Club of SoCal $1,342 $112 State Farm $1,543 $129 GEICO $1,609 $134 Progressive $1,998 $167 Company Median annual rate Median monthly rate Texas Farm Bureau $412 $34 State Farm $447 $37 Auto Club of SoCal $508 $42 GEICO $509 $42 Allstate $675 $56 Rates refreshed October 2025.
- Cheapest for senior drivers
Texas Farm Bureau has the cheapest car insurance rates for senior-aged drivers in Texas, with an average rate of $87 per month and $1,049 per year for full coverage.
Older drivers with a good credit score and clean driving history usually enjoy some of the lowest auto insurance rates, though car insurance often gets more expensive for senior-aged drivers once they reach their 70s.
Company Median annual rate Median monthly rate Texas Farm Bureau $1,049 $87 Auto Club of SoCal $1,339 $112 State Farm $1,527 $127 GEICO $1,798 $150 Progressive $1,965 $164 Company Median annual rate Median monthly rate Texas Farm Bureau $363 $30 State Farm $471 $39 Auto Club of SoCal $553 $46 GEICO $571 $48 Allstate $675 $56 Rates refreshed October 2025.
Cheapest car 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 how likely you are to file a claim. This score isn’t the same as your regular credit score, but it’s based on information included in your credit report, so you may be able to improve it in the same way you’d raise your credit score.
- Cheapest for drivers with good credit
Texas Farm Bureau has the cheapest car insurance rates in Texas for drivers who have good credit, with an average rate of $107 per month and $1,286 per year for full coverage.
Company Median annual rate Median monthly rate Texas Farm Bureau $1,286 $107 Auto Club of SoCal $1,513 $126 State Farm $1,595 $133 GEICO $2,137 $178 Progressive $2,319 $193 Company Median annual rate Median 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 October 2025.
- Cheapest for drivers with poor credit
Auto Club of SoCal has the cheapest car insurance rates in Texas for drivers who have a lower credit score, with an average rate of $211 per month and $2,535 per year for full coverage.
Company Median annual rate Median 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 Company Median annual rate Median monthly rate Allstate $675 $56 GEICO $841 $70 Texas Farm Bureau $883 $74 Auto Club of SoCal $894 $75 Safe Auto $1,240 $103 Rates refreshed October 2025.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Auto insurance alternatives in Texas
If you’re having trouble getting insured in Texas due to your driving record or credit score, 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 in at least the same amounts as a liability policy. You must file the bond jointly with at least two people, called “sureties,” who own property in the state. The sureties, or people filing the bond, must together own property worth at least twice as much as the amount of the bond.
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.
- 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.
