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Best Cheap Car Insurance in Texas for 2019

July 22, 2019
Auto Insurance, Insurance
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Auto insurance is an important purchase, but finding a policy and insurer that suit your needs isn’t always easy. Here you’ll find everything you need to know about buying a Texas auto insurance policy — including how much coverage is required, what your policy will pay for and where to find cheap car insurance in Texas.


We looked at quotes from the largest insurers in Texas and ranked the three cheapest options for several driver types.

Cheapest for good drivers

State Farm was the cheapest for good drivers with good credit in Texas, at about $100 per month, on average. Progressive and Esurance came in second and third, respectively, with some less competitive prices.

The average cost of car insurance for good drivers with good credit in Texas is $1,934 per year in our analysis, or about $161 per month.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
State Farm
$1,205$100
Progressive$2,088$174
Esurance$2,266$189
Allstate$2,497$208
Geico$2,601$217
USAA*$949$79
For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

At roughly $208 per month, on average, State Farm was the cheapest insurer we found for Texas drivers with blemished credit. Geico and Esurance round out the top three cheapest options.

For drivers with clean driving histories but poor credit in Texas, the average cost of car insurance is $3,110 per year, or about $259 per month.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
State Farm$2,494$208
Geico$2,601$217
Esurance$3,549$296
Progressive$3,778$315
Allstate$4,116$343
USAA*$2,120$177
Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

State Farm was cheapest in our analysis for drivers with one accident on their record, at about $121 per month, on average. Prices skyrocket from there, highlighting one good reason to compare quotes. Progressive and Geico come in second and third, respectively.

For Texas drivers with one at-fault crash, the average cost of car insurance is $3,001 per year in our analysis, or about $250 per month.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
State Farm
$1,453$121
Progressive
$3,368$281
Geico
$3,854$321
Esurance$3,930$328
Allstate$3,959$330
USAA*$1,444$120
To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

State Farm was the cheapest in our analysis for people who don’t drive much, at $100 per month on average, with Progressive and Esurance rounding out the cheapest three. Surprisingly, these are the same three quotes as our first group, showing mileage isn’t a big factor in Texas auto insurance prices.

The average cost of car insurance for low-mileage drivers in Texas was about $1,857 per year, or about $155 per month.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
State Farm$1,205$100
Progressive$2,088$174
Esurance$2,266$189
Allstate$2,340$195
Geico$2,363$197
USAA*$882$73
Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Honorable mention: Milewise

Milewise, a program offered by Allstate, is worth looking into if you drive very little, though we can’t get rate estimates because it requires a device to plug into your car to track mileage. You’re charged a daily rate, plus a per-mile rate, and the company says customers who drive 135 miles or less per week can save 10% or more. The less you drive, the lower your insurance bill, but if you want to take a road trip, don’t worry — you won’t be charged for more than 150 miles per day.

Cheapest for minimum coverage in Texas

State Farm was the cheapest for minimum coverage in Texas, at about $42 per month, on average. Allstate and Progressive come in second and third, respectively.

The average cost of minimum coverage car insurance in Texas was $726 per year in our analysis, or about $61 per month.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
State Farm$505$42
Allstate$760$63
Progressive$785$65
Geico$886$74
Esurance$1,067$89
USAA*$354$29
We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

Cheap for military families in Texas

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are high you’ll get a good rate with USAA, an option that isn’t available to the public. In our analysis, USAA was the cheapest option in Texas for every driver type listed above.

» COMPARE: NerdWallet’s car insurance comparison tool

Cheapest car insurance in Dallas-Fort Worth

Our statewide rates reflect a single, 40-year-old driver and a 2015 Toyota Camry, but we also have rates for metro areas in Texas. We checked rates in the Dallas-Fort Worth metro area for:

  • The same single driver with a new 2019 vehicle.
  • The same single driver with a recent DUI, a newer, 2016 Camry and minimum coverage levels.
  • A family — 50-year-old couples with and without a teen driver — with a 2016 Camry.

The rates in each analysis have different coverage levels and deductibles, and were gathered at different points during the year — all of which affect insurance quotes. For that reason, we’re not comparing the Texas-wide rates with Dallas-area rates. Use these rates as a reference, and then get at least three insurance quotes before buying a policy.

Cheapest in Dallas for 3 popular new vehicles

Each car insurance company tailors rates to individual drivers, as well as for the year, make, model and trim level of any vehicle on the policy. If you plan to buy a new car, it’s helpful to know what kind of insurance rates to expect. To help, we looked at rates for a pickup truck, an SUV crossover and a sedan, using base models for each. The vehicles we chose — the Ford F-150, Honda CR-V and Toyota Camry — were among the best-selling models in the country last year.

We found that Geico and Nationwide were generally the cheapest companies in Dallas for 2019 vehicle models (when excluding USAA, which is not available to everyone). These average rates are for male and female 40-year-old drivers living in the Dallas metro area with good credit and no recent moving violations.

Cheapest in Dallas for a 2019 Ford F-150

The average car insurance rate in Dallas for a 2019 Ford F-150 is $1,559 per year, or about $130 per month, before discounts. The cheapest insurer we found in Dallas for the country’s most popular pickup truck was from Nationwide, at $1,455 per year, or about $121 per month, on average.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
Nationwide $1,455$121
Southern County Mutual$1,509$126
Geico$1,572$131
Progressive$1,576$131
State Farm$1,818$152
Allstate$1,843$154
USAA*$1,137$95

Cheapest in Dallas for a 2019 Honda CR-V

The average car insurance rate in the Dallas metro area for a new Honda CR-V is about $1,448 per year, which works out to around $121 per month. The cheapest auto insurance rate we saw in Dallas for this popular vehicle was from Geico, at just $96 per month, on average.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
Geico$1,149$96
Nationwide $1,252$104
Progressive$1,406$117
Southern County Mutual$1,478$123
State Farm$1,637$136
Allstate$2,021$168
USAA*$1,192$99

Cheapest in Dallas for a 2019 Toyota Camry

The cheapest car insurance rate we found in Dallas for a new Toyota Camry was from Geico, at roughly $117 per month, or $1,398 per year, on average. The average rate for the country’s most popular sedan in the Dallas-Fort Worth metro area was $1,768 per year, or about $147 per month.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
Geico$1,398$117
Nationwide $1,513$126
Southern County Mutual$1,674$140
State Farm$1,840$153
Progressive$1,910$159
Allstate$2,761$230
USAA*$1,280$107

Average car insurance rates in Dallas by model

In addition to the vehicles above, we tested 22 other popular models to find average rates before discounts. If you have one of these vehicles or similar, you can use this list as a benchmark to compare with your own auto insurance rates so you’ll know if it’s time to shop around.

Make and 2019 modelAverage price per yearAverage price per month
Subaru Outback$1,432$119
Honda CR-V$1,448$121
Jeep Wrangler$1,489$124
Jeep Compass$1,503$125
Ford Escape$1,518$127
Jeep Cherokee$1,526$127
Subaru Forester$1,543$129
Chevrolet Equinox$1,551$129
Toyota Tacoma$1,552$129
Ford F-150$1,559$130
GMC Sierra$1,572$131
Toyota RAV4$1,581$132
Nissan Rogue$1,591$133
Toyota Highlander$1,597$133
Honda Accord$1,621$135
Chevrolet Silverado$1,625$135
Dodge Ram$1,637$136
Ford Explorer$1,640$137
Hyundai Elantra$1,730$144
Honda Civic$1,737$145
Nissan Sentra$1,740$145
Ford Fusion$1,743$145
Toyota Camry$1,768$147
Toyota Corolla$1,815$151
Nissan Altima$1,826$152

Our rankings of the cheapest cars to insure for 2019 were calculated in 10 states, including Texas, using base models and full coverage policies. The average rates above reflect only the Dallas-Fort Worth metro area for male and female 40-year-old single drivers with good credit and no recent tickets or moving violations.

Cheapest car insurance in Dallas after a DUI

Car insurance after a DUI can be pricey, so we looked at the cheapest possible policies for this group. The average cost of a minimum coverage policy in Dallas after a DUI is $911 per year, or $76 per month. The cheapest insurer we found in Dallas for drivers with a recent DUI was Southern County Mutual.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
Southern County Mutual$613$51
Geico$746$62
Progressive$770$64
Allstate$924$77
State Farm$1,304$109
Nationwide$1,377$115
USAA*$643$54

These rates reflect minimum coverage policies for male and female 40-year-old single drivers with good credit and one recent DUI living in the Dallas-Fort Worth metro area.

Cheapest in Dallas for couples and families with a teen

Couples on the same insurance policy can benefit from discounts for covering multiple cars and drivers together. But insurance for young drivers is never cheap, doubling the cost of a policy for just a couple, on average, according to NerdWallet research. We looked at rates in the Dallas metro area for a 50-year-old married couple, and compared costs against policies with both male and female 18-year-old drivers.

The cheapest rates in Dallas for a couple come from Nationwide, at $1,307 per year, on average. Nationwide also had the cheapest average rates for families with a teen driver, at $2,202 per year with a daughter and $2,456 per year with a son. Rates below are ranked in order of the cheapest for a couple without any additional drivers.

Insurance companyMarried couple onlyCouple with 18-year-old daughterCouple with 18-year-old son
*USAA is only available to active military, veterans and their families.
Nationwide $1,307 $2,202 $2,456
Geico$1,362$2,645$2,878
Progressive$1,460$3,555$4,106
Southern County Mutual$1,492$2,854$3,478
State Farm$1,543$2,789$2,948
Allstate $1,856 $3,435$3,604
USAA*$1,003$1,816$1,943

» MORE: Finding the cheapest car insurance for teens

Cheapest car insurance in San Antonio

Our statewide rates reflect a single, 40-year-old driver and a 2015 Toyota Camry. However, we also checked rates in the San Antonio-New Braunfels metro area for:

  • The same single driver with a new 2019 vehicle.
  • The same single driver with a recent DUI, a newer, 2016 Camry and minimum coverage levels.
  • A family — 50-year-old couples with and without a teen driver — with a 2016 Camry.

The rates in each analysis have different coverage levels and deductibles, and were gathered at different points during the year — all of which affect insurance quotes. For that reason, we’re not comparing the Texas-wide rates with San Antonio-area rates. Use the average rates listed here as a starting point in your car insurance search, and then compare quotes from multiple companies to find the cheapest for you.

Cheapest in San Antonio for 3 popular new vehicles

Car insurance companies care as much about the details of your vehicle as they do about you. If you’re buying a new car, it helps to know what kind of insurance rates to expect. So we looked at rates for a pickup truck, an SUV crossover and a sedan, using base models for each. The three vehicles — the Ford F-150, Honda CR-V and Toyota Camry — were among the best-selling models in the country last year.

We found that Geico and Nationwide were generally the cheapest companies in San Antonio for 2019 vehicle models after excluding USAA, the company for military families only. These average rates are for male and female 40-year-old drivers living in the San Antonio area with good credit and no recent moving violations.

Cheapest in San Antonio for a 2019 Ford F-150

The cheapest rates we found in San Antonio for a new Ford F-150 came from Nationwide, at about $1,406 per year, or $117 per month, on average. Overall, the average rate in San Antonio for the country’s most popular pickup truck was $1,516 per year, or about $126 per month.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
Nationwide$1,406$117
Southern County Mutual$1,418$118
Geico$1,507$126
Progressive$1,677$140
Allstate$1,724$144
State Farm$1,773$148
USAA*$1,104$92

Cheapest in San Antonio for a 2019 Honda CR-V

The cheapest rate in San Antonio for a new Honda CR-V is from Geico, at $1,102 per year or about $92 per month, on average. Overall, the average cost of car insurance for this popular SUV crossover is $1,406 per year, or $117 per month.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
Geico$1,102$92
Nationwide$1,208$101
Southern County Mutual$1,389$116
Progressive$1,502$125
State Farm$1,595$133
Allstate$1,888$157
USAA*$1,159$97

Cheapest in San Antonio for a 2019 Toyota Camry

The cheapest auto insurer in San Antonio for drivers of a new Toyota Camry is Geico, with an average annual rate of about $1,339 per year, or $112 per month. The average cost of car insurance for the country’s most popular sedan is $1,717 per year, or about $143 per month.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
Geico$1,339$112
Nationwide$1,457$121
Southern County Mutual$1,570$131
State Farm$1,790$149
Progressive$2,039$170
Allstate$2,586$216
USAA*$1,240$103

Average car insurance rates in San Antonio by model

We didn’t just look at rates for three popular models — we checked 25. Here are the average auto insurance rates for all 2019 model-year vehicles we analyzed. If you have one of these models or similar, you can use this list as a benchmark to see if your rates are above or below average — and decide if it’s time to shop for insurance quotes.

Make and 2019 modelAverage cost per yearAverage cost per month
Subaru Outback$1,396$116
Honda CR-V$1,406$117
Jeep Wrangler$1,447$121
Jeep Compass$1,455$121
Ford Escape$1,473$123
Jeep Cherokee$1,481$123
Subaru Forester$1,501$125
Chevrolet Equinox$1,504$125
Toyota Tacoma$1,508$126
Ford F-150$1,516$126
GMC Sierra$1,529$127
Toyota RAV4$1,534$128
Nissan Rogue$1,541$128
Toyota Highlander$1,551$129
Honda Accord$1,571$131
Chevrolet Silverado$1,579$132
Ford Explorer$1,593$133
Dodge Ram$1,593$133
Hyundai Elantra$1,675$140
Honda Civic$1,684$140
Nissan Sentra$1,684$140
Ford Fusion$1,690$141
Toyota Camry$1,717$143
Toyota Corolla$1,758$147
Nissan Altima$1,772$148

Our rankings of the cheapest cars to insure for 2019 were calculated in 10 states, including Texas, using base models and full coverage policies. The averages here reflect only policies in the San Antonio-New Braunfels metro area for male and female 40-year-old single drivers with good credit and no recent tickets or moving violations.

Cheapest car insurance in San Antonio after a DUI

Car insurance typically gets expensive after a DUI, so we checked rates for minimum coverage policies in this group. The average cost of car insurance in San Antonio after a DUI is $73 per month, or $876 annually. The cheapest insurer we found in the San Antonio metro area after a DUI was Southern County Mutual, with an average annual rate of $567 per year, or $47 per month.

Insurance companyAverage price per yearAverage price per month
*USAA is only available to active military, veterans and their families.
Southern County Mutual$567$47
Geico$727$61
Progressive$843$70
Allstate$849$71
State Farm$1,222$102
Nationwide$1,305$109
USAA*$643$52

These rates reflect minimum coverage policies for male and female 40-year-old single drivers with good credit and one recent DUI living in the San Antonio metro area.

Cheapest in San Antonio for couples and families with a teen

Insuring young drivers can be expensive. The cheapest way to do so is often adding a teen driver to your family policy. We looked at rates in the San Antonio-New Braunfels area for a 50-year-old married couple, and compared costs versus policies with both male and female 18-year-old drivers.

In San Antonio, the cheapest rate we found for a couple was from Nationwide, at $1,259 per year, on average. Nationwide also had the cheapest average rates when a teen driver was added to the policy, at $2,111 per year with a daughter and $2,355 per year with a son. Rates below are ranked in order of the cheapest for a couple without any additional drivers.

Insurance companyMarried couple onlyCouple with 18-year-old daughterCouple with 18-year-old son
*USAA is only available to active military, veterans and their families.
Nationwide$1,259$2,111$2,355
Geico$1,305$2,527$2,745
Southern County Mutual$1,400$2,669$3,248
State Farm$1,497$2,664$2,817
Progressive$1,572$3,844$4,429
Allstate$1,736$3,208$3,371
USAA*$981$1,759$1,885

Minimum car insurance requirements in Texas

With rare exceptions (see below), 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.

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, look into the Texas Automobile Insurance Plan Association. It can help connect you with a company that will cover you.

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 only applies if you own 25 vehicles or more.

Recap: Cheapest car insurance in Texas

CategoryCheapest option
Good driversState Farm
Drivers with poor creditState Farm
Drivers with one at-fault crashState Farm
Low-mileage driversState Farm
Minimum coverageState Farm
Drivers with a military connectionUSAA

For Texas statewide rates:

For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes across Texas with a 2015 Toyota Camry. The policy includes:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per crash.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

For Dallas and San Antonio metro areas:

NerdWallet looked at insurance rates from 10 large insurers in every ZIP code in Texas for a 2016 Toyota Camry and isolated rates for each metro area by county.

Couples and families with a teen:
We analyzed rates for policies for two 50-year-old married adults versus two 50-year-old married adults with either an 18-year-old son or daughter licensed at age 16. We looked at policies with:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per crash.
  • Collision coverage with $500 deductible.
  • Comprehensive coverage with $500 deductible.

Popular 2019 vehicle models:
Rates were for 40-year-old male and female drivers with good credit, no tickets or violations, and with the same coverage limits as we used for families. Vehicles listed were the 25 top-selling models in the U.S. in 2018, according to data collected by Car and Driver. Insurance rates are for 2019 models.

Drivers with a recent DUI:
NerdWallet averaged rates for 40-year-old men and women with a DUI within the past six months from several insurers in Texas and isolated rates for the Dallas and San Antonio metro areas by county. The sample policy includes the minimum coverage required by law in the state.

All sample rates are generated through Quadrant Information Services. Your own rates will differ.