Fact CheckedThe cheapest car insurance companies in Texas, at a glance
Coverage type
Full coverage | Auto Club of SoCal, $129 per month
Minimum coverage | State Farm, $43 per month
Driving record
Speeding ticket | State Farm, $168 per month
At-fault accident | State Farm, $190 per month
DUI | State Farm, $247 per month
Driver age
Young drivers | Auto Club of SoCal, $247 per month
Millennial drivers | Auto Club of SoCal, $134 per month
Gen X drivers | Auto Club of SoCal, $114 per month
Senior drivers | Auto Club of SoCal, $114 per month
Credit-based insurance score
Good credit | Auto Club of SoCal, $129 per month
Poor credit | Auto Club of SoCal, $216 per month
These are median rates from NerdWallet's August 2026 analysis, but your rate will vary based on your personal information, location and insurance provider. Not all companies offer policies in every state.
NerdWallet analyzed rates from 17 car insurance companies across all of the ZIP codes in Texas to find the cheapest auto insurance companies in the state. We found rates for drivers across multiple age ranges with different driving records and credit histories.
For more detailed information about how we found the cheapest car insurance companies, please check out our full methodology at the bottom of this page.
Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you.
Thorough rating guidelines for evaluating auto insurance companies.
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 everywhere in the state where coverage is offered and data is available. We only change one variable at a time when comparing rates, so you can easily see how each factor affects pricing.
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Cheapest car insurance in Texas for full coverage
Auto Club of SoCal is the cheapest car insurance company in Texas for full coverage, with an average rate of $129 a month and $1,548 a year.
What it is. After a crash, full coverage car insurance helps pay for injuries and property damage you cause to other people. Your policy also helps cover most types of damage to your car.
Who needs it? Auto loans and leases usually require you to carry full coverage. But once you’ve paid off your car, you could drop full coverage and lower your insurance rates.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Auto Club of SoCal | 4.5/5 | $129 |
| State Farm | 4.8/5 | $147 |
| Germania | 4.2/5 | $190 |
| GEICO | 5.0/5 | $210 |
| Allstate | 4.3/5 | $237 |
Rates refreshed August 2026.
More Nerdy Perspective
In recent years crashes have gone up and claims have gotten more expensive. This has pushed up insurance costs for everyone, even drivers with good records. To fight rising rates, drivers can compare quotes from multiple insurers before buying a new policy or renewing an old one. Consider a 12-month policy if you can. This way, you lock in your rate for a year instead of potentially seeing higher rates after six months.
In recent years crashes have gone up and claims have gotten more expensive. This has pushed up insurance costs for everyone, even drivers with good records. To fight rising rates, drivers can compare quotes from multiple insurers before buying a new policy or renewing an old one. Consider a 12-month policy if you can. This way, you lock in your rate for a year instead of potentially seeing higher rates after six months.
Andrew HurstLead Writer and Licensed Insurance ProCheapest car insurance in Texas for minimum coverage
State Farm is the cheapest car insurance company in Texas for minimum coverage, with an average rate of $43 a month and $516 a year.
What it is. Minimum coverage in Texas includes bodily injury and property damage liability insurance . Your liability insurance helps pay for the injuries and damage that you cause to other people, their car and property, but not damage to your own car.
Who needs it? Everyone in Texas needs to have a minimum amount of liability insurance to drive. Most people need more than the minimum amount of coverage, but if you’re struggling to afford a policy with more protection, having some insurance is better than having none.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Auto Club of SoCal | 4.5/5 | $129 |
| State Farm | 4.8/5 | $147 |
| Germania | 4.2/5 | $190 |
| GEICO | 5.0/5 | $210 |
| Allstate | 4.3/5 | $237 |
Rates refreshed August 2026.
Texas requires drivers to carry liability insurance. A policy with the minimum amount of coverage has:
$30,000 of bodily injury liability insurance per person.
$60,000 of bodily injury liability insurance per crash.
$25,000 of property damage liability coverage per crash.
These requirements provide less coverage than you might expect. While most people probably don’t have $30,000 in cash on hand, this number is actually quite low compared to the potential cost of a serious accident. If you injure another driver, their medical bills and lost wages could quickly overrun this amount of coverage.
If you can afford it, it’s a good idea to carry more than the minimum amount of coverage. A policy with at least $300,000 of bodily injury coverage and $50,000 of property damage liability per crash would offer much more protection.
What should you pay for car insurance in Texas?
On average car insurance in Texas costs $297 per month, but few drivers really pay that amount. Rates depend on your age, driving history, credit and countless other personal factors. To know what you’ll pay — and what “cheap” is for you — you’ll need to compare rates across multiple companies.
The following calculator can help. Enter some basic information about yourself and we can show you an estimate of what car insurance may cost in your ZIP code. Then, you can have a better idea of whether an insurer’s rates are really cheap or not.
Estimate your car insurance costs
Enter your ZIP code and adjust the filters to see average rates for drivers like you.
Top-rated car insurance companies in Texas
Many drivers want relatively cheap rates as well as reliable customer service. The following list of insurance companies includes the best of the best in Texas. Each insurer earned a NerdWallet rating of at least 4.7 out of 5 stars for customer experience, online tools and discounts.
Acuity
Why it's the best: Acuity receives very few complaints in Texas for things related to the claims process and service compared to its size.
Why it's the best: The well-rounded Amica earned high marks from us for customer experience, online features and savings opportunities.
Why it's the best: With GEICO, Texans will find a wide set of online tools that can make managing a policy faster and more convenient.
Why it's the best: Travelers offers Texans looking for more than basic coverage lots of ways to customize an auto (or homeowners) insurance policy.
Why it's the best: We rated Nationwide very highly for its online experience, as well as its SmartRide and SmartMiles programs.
Why it's the best: We gave Progressive one of the best scores among the insurance companies we rated for its online tools and features.
Why it's the best: State Farm has a number of discounts that can help Texans lower the cost of a policy for a young driver, including the Steer Clear program.
USAA*
Why it's the best: USAA offers eligible Texas families a top-rated customer experience and a range of military-minded benefits.
Cheapest car insurance companies in Texas by driving record
Your rates are likely to go up after an accident or driving violation. An insurance company that specializes in covering high-risk drivers could help you get coverage if you have multiple violations on your record and you’re having a hard time finding an insurer
That said, if you have just one recent driving violation you should have an easier time finding coverage from a standard insurance company.
State Farm has the cheapest car insurance rates for drivers in Texas who have a speeding ticket, with an average rate of $168 per month and $2,014 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 NerdWallet rating Median monthly rate State Farm 4.8/5$168 Germania 4.2/5$190 Auto Club of SoCal 4.5/5$219 Allstate 4.3/5$237 GEICO 5.0/5$250 Company NerdWallet rating Median monthly rate State Farm 4.8/5$51 Allstate 4.3/5$58 GEICO 5.0/5$68 Auto Club of SoCal 4.5/5$77 Direct Auto 4.6/5$85 Rates refreshed August 2026.
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 $190 per month and $2,279 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 NerdWallet rating Median monthly rate State Farm 4.8/5$190 Auto Club of SoCal 4.5/5$219 Germania 4.2/5$248 Allstate 4.3/5$256 GEICO 5.0/5$340 Company NerdWallet rating Median monthly rate State Farm 4.8/5$60 Allstate 4.3/5$61 Auto Club of SoCal 4.5/5$77 GEICO 5.0/5$98 Progressive 4.8/5$115 Rates refreshed August 2026.
State Farm has the cheapest car insurance rates for drivers in Texas who have gotten a DUI, with an average rate of $247 per month and $2,959 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 $297 a month, on average, while that same driver could pay $415, on average, for the same coverage after a DUI.
Company NerdWallet rating Median monthly rate State Farm 4.8/5$247 GEICO 5.0/5$293 Progressive 4.8/5$305 Allstate 4.3/5$312 Auto Club of SoCal 4.5/5$331 Company NerdWallet rating Median monthly rate Allstate 4.3/5$69 State Farm 4.8/5$83 GEICO 5.0/5$83 Progressive 4.8/5$102 National General 3.4/5$103 Rates refreshed August 2026.
Texas has options for high-risk drivers
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). TAIPA is a group of the state’s insurance companies that makes sure everyone can get enough coverage to drive.
TAIPA will connect you with a company that will cover you, though rates are likely to be much higher than what you’d find on the open market.
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.
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. These differences mean that drivers living in cities should 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, or make you decide to shop for a cheaper company.
Here are the cheapest car insurance rates for some of the largest cities in Texas. Rates are for 35-year-old drivers.
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 Auto Club of SoCal $1,684 After a DUI State Farm $3,445 After an accident State Farm $2,698 After a speeding ticket State Farm $2,438 Having poor credit Auto Club of SoCal $2,828 Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $633 After a DUI Allstate $1,063 After an accident State Farm $913 After a speeding ticket State Farm $788 Having poor credit Allstate $895 Rates refreshed August 2026.
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 Auto Club of SoCal $1,565 After a DUI State Farm $3,131 After an accident State Farm $2,349 After a speeding ticket State Farm $2,079 Having poor credit Auto Club of SoCal $2,619 Category Cheapest Company Median annual rate Clean driving history State Farm $581 After a DUI Allstate $1,045 After an accident State Farm $803 After a speeding ticket State Farm $705 Having poor credit Allstate $873 Rates refreshed August 2026.
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 Auto Club of SoCal $1,920 After a DUI State Farm $3,938 After an accident State Farm $3,050 After a speeding ticket State Farm $2,695 Having poor credit Auto Club of SoCal $3,230 Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $699 After a DUI National General $1,240 After an accident State Farm $1,004 After a speeding ticket State Farm $866 Having poor credit Allstate $1,085 Rates refreshed August 2026.
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 Auto Club of SoCal $1,783 After a DUI State Farm $3,175 After an accident State Farm $2,450 After a speeding ticket State Farm $2,193 Having poor credit Auto Club of SoCal $3,014 Category Cheapest Company Median annual rate Clean driving history State Farm $580 After a DUI National General $866 After an accident State Farm $799 After a speeding ticket State Farm $693 Having poor credit Allstate $933 Rates refreshed August 2026.
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 Auto Club of SoCal $1,645 After a DUI State Farm $3,458 After an accident State Farm $2,648 After a speeding ticket State Farm $2,377 Having poor credit Auto Club of SoCal $2,762 Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $602 After a DUI Allstate $1,063 After an accident State Farm $906 After a speeding ticket State Farm $788 Having poor credit Allstate $895 Rates refreshed August 2026.
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 Auto Club of SoCal $2,000 After a DUI State Farm $3,797 After an accident State Farm $2,934 After a speeding ticket State Farm $2,572 Having poor credit Auto Club of SoCal $3,365 Category Cheapest Company Median annual rate Clean driving history State Farm $730 After a DUI National General $1,154 After an accident State Farm $1,015 After a speeding ticket State Farm $875 Having poor credit Allstate $1,097 Rates refreshed August 2026.
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 Auto Club of SoCal $1,851 After a DUI State Farm $3,504 After an accident State Farm $2,704 After a speeding ticket State Farm $2,331 Having poor credit Auto Club of SoCal $3,104 Category Cheapest Company Median annual rate Clean driving history State Farm $674 After a DUI National General $1,174 After an accident State Farm $910 After a speeding ticket State Farm $791 Having poor credit Allstate $1,101 Rates refreshed August 2026.
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 Auto Club of SoCal $1,666 After a DUI State Farm $3,501 After an accident State Farm $2,706 After a speeding ticket State Farm $2,418 Having poor credit Auto Club of SoCal $2,796 Category Cheapest Company Median annual rate Clean driving history Auto Club of SoCal $668 After a DUI Allstate $1,187 After an accident State Farm $932 After a speeding ticket State Farm $806 Having poor credit Allstate $1,007 Rates refreshed August 2026.
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 Auto Club of SoCal $1,817 After a DUI State Farm $3,357 After an accident State Farm $2,559 After a speeding ticket State Farm $2,276 Having poor credit Auto Club of SoCal $3,054 Category Cheapest Company Median annual rate Clean driving history State Farm $656 After a DUI National General $1,114 After an accident State Farm $906 After a speeding ticket State Farm $780 Having poor credit Allstate $972 Rates refreshed August 2026.
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.
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.
Auto Club of SoCal has the cheapest car insurance rates for young drivers in Texas, with an average rate of $247 per month and $2,967 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 NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$247 GEICO 5.0/5$313 State Farm 4.8/5$343 Germania 4.2/5$360 Progressive 4.8/5$472 Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$96 GEICO 5.0/5$101 State Farm 4.8/5$130 Progressive 4.8/5$144 Dairyland 4.3/5$167 Rates refreshed August 2026.
Texas Farm Bureau is the cheapest car insurance company in Texas for 20-year-olds who join their parents’ existing policy. Texas Farm Bureau has an average rate of $2,736 a year or $230 a month for a full coverage policy that covers the new driver and two parents, according to NerdWallet’s May 2026 analysis.
You’ll pay more to add a young driver to your policy, but the difference in cost afterwards depends on the vehicle that young driver uses, the car’s age, whether the driver has their own vehicle and the number of other drivers who are covered by the policy.
Company
Monthly rate
Monthly increase from two-adult policy
$230
$77
$317
$87
$369
$154
$372
$71
$383
$138
*USAA is available only to military families, veterans and some federal employees.
For comparison, the average cost to insure only two adults in Texas is $359 per month, according to our analysis of full coverage rates for a 50-year-old male driver and 45-year-old female driver sharing one policy.
Auto Club of SoCal has the cheapest car insurance rates for millennial drivers in Texas, with an average rate of $134 per month and $1,611 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 NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$134 State Farm 4.8/5$149 Germania 4.2/5$196 GEICO 5.0/5$211 Allstate 4.3/5$237 Company NerdWallet rating Median monthly rate State Farm 4.8/5$43 Auto Club of SoCal 4.5/5$47 Allstate 4.3/5$58 GEICO 5.0/5$58 Germania 4.2/5$89 Rates refreshed August 2026.
Auto Club of SoCal has the cheapest car insurance in Texas for Gen X drivers, with an average rate of $114 per month and $1,372 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 older car and no longer have an auto loan.
Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$114 State Farm 4.8/5$141 Germania 4.2/5$167 GEICO 5.0/5$179 Progressive 4.8/5$215 Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$42 State Farm 4.8/5$43 GEICO 5.0/5$50 Allstate 4.3/5$58 Direct Auto 4.6/5$71 Rates refreshed August 2026.
Auto Club of SoCal has the cheapest car insurance rates for senior-aged drivers in Texas, with an average rate of $114 per month and $1,366 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 NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$114 State Farm 4.8/5$140 Germania 4.2/5$171 GEICO 5.0/5$187 Progressive 4.8/5$208 Company NerdWallet rating Median monthly rate State Farm 4.8/5$45 Auto Club of SoCal 4.5/5$46 Allstate 4.3/5$58 GEICO 5.0/5$58 Germania 4.2/5$77 Rates refreshed August 2026.
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. That means you may be able to improve it in the same way you’d raise your credit score.
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 $216 per month and $2,591 per year for full coverage.
Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$216 Allstate 4.3/5$237 GEICO 5.0/5$304 Germania 4.2/5$345 Progressive 4.8/5$419 Company NerdWallet rating Median monthly rate Allstate 4.3/5$58 Auto Club of SoCal 4.5/5$75 GEICO 5.0/5$90 Direct Auto 4.6/5$104 Dairyland 4.3/5$104 Rates refreshed August 2026.
Auto Club of SoCal has the cheapest car insurance rates in Texas for drivers who have good credit, with an average rate of $129 per month and $1,548 per year for full coverage.
Company NerdWallet rating Median monthly rate Auto Club of SoCal 4.5/5$129 State Farm 4.8/5$147 Germania 4.2/5$190 GEICO 5.0/5$210 Allstate 4.3/5$237 Company NerdWallet rating Median monthly rate State Farm 4.8/5$43 Auto Club of SoCal 4.5/5$46 Allstate 4.3/5$58 GEICO 5.0/5$58 Dairyland 4.3/5$81 Rates refreshed August 2026.
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 really don’t want to get car insurance, there are a few other ways that Texas allows drivers to meet the minimum coverage requirements they need to be on the road. That said, an insurance policy is the easiest way for most Texans to comply with state laws.
Some legally acceptable alternatives to auto insurance include:
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’ll have to promise to pay up to the same amount covered by minimum liability insurance requirements if you cause an accident with one of your cars. However, this option applies if you own 25 vehicles or more.
Ways to get cheaper car insurance in Texas
Drivers in Texas have a few reliable ways of lowering their car insurance rates. If you think you’re paying too much for car insurance, try:
Shopping around for coverage. You should compare rates before buying or renewing a policy in order to avoid overpaying for a policy.
Dropping coverage for older cars. If you drive a car that’s at least 10 years old, dropping your collision and comprehensive coverage could heavily reduce your rates.
Finding easy-to-get discounts. Insurance companies often offer discounts if you shop for a policy online, sign up for electronic policy documents and autopay your premiums.
Raising your deductibles. We found that raising your deductibles — the amount of a future claim you commit to pay — could help lower premiums by more than 12%, according to a July 2026 analysis.
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.
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.
Lisa Greenassigning editor on Insurance
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.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Texas Department of Insurance. Auto Insurance Guide. Accessed Aug 21, 2026.
- 2.Texas Automobile Insurance Plan Assocation. Home Page. Accessed .
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.
2023 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.
Young drivers methodology
In May 2026 we found the cost of adding a newly licensed driver to an existing full coverage policy. Our base profile assumes two existing policyholders — a 50-year-old male driver and 45-year-old female driver — sharing one policy.
We showed the cost effect of adding a 20-year-old driver to this policy, to stay consistent with our 20-year-old young driver profile that is covered by a standalone policy. The 20-year-old shares a 2023 Toyota Camry with the family, and the new driver uses the vehicle 20% of the time.
