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The Cheapest Car Insurance in Texas for June 2025

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

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Jun 1, 2025
Fact Checked
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Written by Ben Moore
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Edited by Lacie Glover
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Written by Ben Moore
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Edited by Lacie Glover
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The cheapest car insurance in Texas, at a glance

  • Texas Farm Bureau offers the cheapest full coverage in Texas, with an average rate of $92 per month, according to NerdWallet's June 2025 analysis.

  • Texas Farm Bureau has the cheapest liability coverage in Texas, with an average rate of $35 per month.

  • 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.

The average cost of full coverage car insurance in Texas is $3,389 per year, or $282 per month, according to our analysis. Minimum coverage in Texas costs an average of $1,019 per year, or $85 per month.

Texas is one of the most expensive states for auto insurance, so it’s wise to compare rates from multiple companies to make sure you’re getting the best price.

Cheapest car insurance in Texas for June 2025

NerdWallet analyzed rates for 18 insurers to find the cheapest auto insurance in Texas. We reviewed rates for drivers of different ages, with different driving histories and coverage types, to find the companies offering the best deals for a variety of driver profiles.

Note that your rates will probably be different because of personal characteristics like your age, driving record, car and ZIP code. We recommend getting quotes from several of the companies below to find out which insurer will actually be the cheapest for you.

Full coverage insurance will help pay for repairs to your own vehicle after an at-fault accident, as well as damage and injuries you cause to others.

If you have a car loan or lease, your lender will likely require you to carry full coverage, which includes comprehensive and collision insurance. These coverage types pay you if your car is stolen or damaged in an accident you cause, among other scenarios.

The rates below are based on a 35-year-old driver with good credit and a clean driving history.

CompanyMedian annual rateMedian monthly rate
Texas Farm Bureau$1,286$107
State Farm$1,657$138
Auto Club of SoCal$1,662$139
GEICO$2,137$178
Progressive$2,319$193

Rates refreshed June 2025.

Risks of liability car insurance

Liability coverage is typically the cheapest car insurance available, and that usually means getting the barest coverage required by law in your state. But state requirements can be quite low and leave you financially vulnerable if you’re in a serious accident.

Getting the cheapest car insurance possible might also mean missing out on optional coverage types that can help cover your own injuries or property damage — for example, when you’re injured in an accident or if your car is banged up after a bad storm or a hit-and-run. To find cheap car insurance with more coverage, check out NerdWallet’s list of cheap full coverage insurance.

» MORE: Best car insurance in Texas

Cheapest car insurance in large Texas cities

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 should 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 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 car insurance companies for drivers across a range of ages. All rates are for drivers with clean driving records and good credit.

🤓Nerdy Tip

Some insurers offer a senior discount if you complete a defensive driving course from an approved provider. Courses are easy to find online through groups like AAA, AARP and The National Safety Council. Some classes can be completed 100% online.

Cheapest car insurance in Texas by driving record

Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and other personal characteristics.

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, consider looking into the best high-risk car insurance companies.

» MORE: Getting an SR22 in Texas

Cheapest auto insurance in Texas by credit history

Your credit history can impact your auto insurance rates in Texas. Insurers use a credit-based insurance score, which is different from your regular credit score, to determine the likelihood you’ll file a claim.

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

Cheapest car insurance in Texas for military families

USAA Auto Insurance

USAA

5.0
NerdWallet rating
USAA offers insurance to active military, veterans and their families only.
Discounts Great set of discounts
Ease of use Above average
NAIC complaints Fewer than expected

If you're an active member of the military or a veteran — or you have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company whose policies aren’t available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 62 of the 70 driver profiles we examined. USAA is headquartered in San Antonio, Texas.

» MORE: Best car insurance for veterans and military

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 can help 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.

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

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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