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The Cheapest Car Insurance in Texas for 2021

Sept. 22, 2021
Auto Insurance, Insurance
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Auto insurance is an important purchase, but finding cheap car insurance in Texas isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Texas is $1,610 per year, or about $134 per month, according to NerdWallet’s analysis. Minimum coverage in Texas is $560 per year on average, but we found you can likely get a cheaper policy. Geico offers the cheapest rates in Texas at $389 per year, on average, for minimum coverage car insurance.

Cheapest Car Insurance Company Overall in Texas
Geico$95/month
4.5 NerdWallet rating
Cheapest for Minimum Coverage
Geico$32/month
4.5 NerdWallet rating
Cheapest for Young Drivers
Texas Farm Bureau$70/month
5.0 NerdWallet rating
Cheapest for Drivers with Poor Credit
Nationwide$162/month
4.0 NerdWallet rating

We looked at car insurance quotes from the 28 auto insurers in Texas and ranked the five cheapest options for several driver types. 

Cheapest car insurance in Texas for 20-year-old drivers

Young drivers may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. To cut down on costs, young drivers might want to consider buying only state-mandated coverage, rather than full coverage insurance. Still, some companies routinely have lower insurance rates for drivers in their 20s, so it's best to shop around to find them.

Many insurance companies offer ways for young drivers to save, such as good student discounts for those in college or premium reductions for those who take a defensive driving course. If you live in an apartment, consider getting your renters and auto insurance from the same company to take advantage of bundling discounts.

Cheapest full coverage car insurance in Texas for 20-year-olds

Drivers in Texas with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Texas Farm Bureau: $2,084 per year.
  2. Geico: $2,314 per year.
  3. State Farm: $2,959 per year.
  4. Houston General: $3,132 per year.
  5. Nationwide: $3,149 per year.

Cheapest minimum coverage car insurance in Texas for 20-year-olds

Drivers in Texas who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Texas Farm Bureau: $835 per year.
  2. Geico: $872 per year.
  3. Allstate: $1,006 per year.
  4. Houston General: $1,044 per year.
  5. State Farm: $1,226 per year.

Cheapest auto insurance in Texas for 20-year-olds with poor credit

Drivers with poor credit in Texas should look at the following insurers with the lowest average rates for minimum coverage:

  1. Texas Farm Bureau: $1,483 per year.
  2. Allstate: $1,529 per year.
  3. Houston General: $1,530 per year.
  4. Geico: $1,550 per year.
  5. Dairyland: $1,603 per year.

Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Texas, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $1,059 per year.
  2. Texas Farm Bureau: $1,298 per year.
  3. Dairyland: $1,500 per year.
  4. State Farm: $1,617 per year.
  5. Kemper: $1,743 per year.

Cheapest auto insurance in Texas for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

  1. Geico: $1,156 per year.
  2. Houston General: $1,273 per year.
  3. Dairyland: $1,314 per year.
  4. Kemper: $1,398 per year.
  5. Esurance: $1,424 per year.

Cheapest car insurance in Texas for 30-year-old drivers

By the time they reach their 30s, most drivers enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices.

Drivers in their 30s can get lower rates by shopping around and taking advantage of car insurance discounts. You may be able to save by insuring multiple vehicles with the same carrier, or by bundling your auto policy with your home insurance. Also, keep an eye out for discounts based on your profession or affiliations; some insurers offer more affordable insurance rates for teachers, members of the military or alumni of certain colleges.

Cheapest full coverage car insurance in Texas for 30-year-olds

Drivers in Texas with clean driving records may get the lowest rates from these companies:

  1. Geico: $1,143 per year.
  2. Republic Group: $1,371 per year.
  3. Nationwide: $1,394 per year.
  4. Texas Farm Bureau: $1,418 per year.
  5. Esurance: $1,432 per year.

Cheapest minimum coverage car insurance in Texas for 30-year-olds

Drivers in Texas who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $389 per year.
  2. Texas Farm Bureau: $526 per year.
  3. Esurance: $533 per year.
  4. Loya Insurance: $535 per year.
  5. Houston General: $554 per year.

Cheapest auto insurance in Texas for 30-year-olds with poor credit

Drivers with poor credit in Texas should consider the following companies with the lowest average rates for full coverage:

  1. Nationwide: $1,946 per year.
  2. Geico: $2,136 per year.
  3. Republic Group: $2,428 per year.
  4. Esurance: $2,532 per year.
  5. Houston General: $2,593 per year.

Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash

For drivers in Texas with a recent accident, here are the lowest average rate options for full coverage:

  1. Republic Group: $1,371 per year.
  2. Geico: $1,649 per year.
  3. State Farm: $1,922 per year.
  4. Nationwide: $2,228 per year.
  5. Texas Farm Bureau: $2,244 per year.

Cheapest auto insurance in Texas for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Esurance: $1,432 per year.
  2. Geico: $1,655 per year.
  3. Republic Group: $1,739 per year.
  4. Houston General: $2,272 per year.
  5. National General: $2,304 per year.

Cheapest car insurance in Texas for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Ask about discounts for signing up for autopay, paying your premium in full rather than quarterly or monthly, and opting for electronic statements. If you own your home, consider insuring it with the company that provides your auto insurance; most carriers offer bundling discounts.

Cheapest full coverage car insurance in Texas for 40-year-olds

Drivers in Texas with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $1,130 per year.
  2. Republic Group: $1,310 per year.
  3. Nationwide: $1,355 per year.
  4. Texas Farm Bureau: $1,361 per year.
  5. Esurance: $1,365 per year.

Cheapest minimum coverage car insurance in Texas for 40-year-olds

Drivers in Texas who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $388 per year.
  2. Houston General: $459 per year.
  3. Loya Insurance: $470 per year.
  4. Texas Farm Bureau: $495 per year.
  5. Esurance: $524 per year.

Cheapest auto insurance in Texas for 40-year-olds with poor credit

Drivers with poor credit in Texas can check out the following insurers with the lowest average rates for full coverage:

  1. Nationwide: $1,890 per year.
  2. Geico: $2,109 per year.
  3. Houston General: $2,221 per year.
  4. Republic Group: $2,323 per year.
  5. Esurance: $2,419 per year.

Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Texas, here are the companies with the lowest average rates for full coverage:

  1. Republic Group: $1,310 per year.
  2. Geico: $1,625 per year.
  3. State Farm: $1,889 per year.
  4. Texas Farm Bureau: $2,154 per year.
  5. Nationwide: $2,173 per year.

Cheapest auto insurance in Texas for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Esurance: $1,365 per year.
  2. Geico: $1,639 per year.
  3. Republic Group: $1,678 per year.
  4. Houston General: $2,091 per year.
  5. National General: $2,203 per year.

Cheapest car insurance in Texas for 50-year-old drivers

Drivers in their 50s have, on average, cheaper auto insurance rates than most other age groups. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the cheapest price you can. Our list of the best cheap car insurance companies is a good place to start.

Some insurers offer senior discounts to policyholders in their 50s, though some may require you to take a defensive driving course to snag the savings. If you’ve been with your insurer for many years, you may qualify for a loyalty discount. Still, it’s a good idea to check with other companies periodically to make sure you’re not paying too much.

Cheapest full coverage car insurance in Texas for 50-year-olds

Drivers in Texas with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $1,056 per year.
  2. Republic Group: $1,177 per year.
  3. Esurance: $1,257 per year.
  4. Nationwide: $1,273 per year.
  5. Texas Farm Bureau: $1,323 per year.

Cheapest minimum coverage car insurance in Texas for 50-year-olds

Drivers in Texas who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $371 per year.
  2. Houston General: $418 per year.
  3. Loya Insurance: $470 per year.
  4. Texas Farm Bureau: $488 per year.
  5. Esurance: $498 per year.

Cheapest auto insurance in Texas for 50-year-olds with poor credit

Drivers with poor credit in Texas can check with the following companies, which showed the lowest average rates for full coverage:

  1. Nationwide: $1,772 per year.
  2. Geico: $1,983 per year.
  3. Houston General: $2,004 per year.
  4. Republic Group: $2,085 per year.
  5. Esurance: $2,217 per year.

Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash

For drivers living in Texas with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Republic Group: $1,177 per year.
  2. Geico: $1,528 per year.
  3. State Farm: $1,837 per year.
  4. Nationwide: $2,058 per year.
  5. Texas Farm Bureau: $2,164 per year.

Cheapest auto insurance in Texas for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Esurance: $1,257 per year.
  2. Republic Group: $1,545 per year.
  3. Geico: $1,566 per year.
  4. Houston General: $1,933 per year.
  5. National General: $2,150 per year.

Cheapest car insurance in Texas for 65-year-old drivers

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should shop around to find the lowest rate.

Drivers in this age group should also take advantage of any available discounts for senior citizens. For example, some companies will discount your rate if you take a defensive driving course. You may also be able to save money after retirement if you’re driving fewer miles each year.

Finally, consider whether you need all the coverage you currently have. If you’re not commuting to work each day, for instance, you may not need rental reimbursement coverage when your own car is in the shop for repairs.

Cheapest full coverage car insurance in Texas for 65-year-olds

Drivers in Texas with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Geico: $1,080 per year.
  2. Texas Farm Bureau: $1,113 per year.
  3. Republic Group: $1,153 per year.
  4. Nationwide: $1,245 per year.
  5. Houston General: $1,309 per year.

Cheapest minimum coverage car insurance in Texas for 65-year-olds

Drivers in Texas who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Houston General: $405 per year.
  2. Geico: $408 per year.
  3. Texas Farm Bureau: $429 per year.
  4. Chubb: $448 per year.
  5. Loya Insurance: $470 per year.

Cheapest auto insurance in Texas for 65-year-olds with poor credit

Drivers with poor credit in Texas can look at the following companies with the lowest average rates for full coverage:

  1. Nationwide: $1,729 per year.
  2. Houston General: $1,838 per year.
  3. Geico: $2,006 per year.
  4. Republic Group: $2,057 per year.
  5. Texas Farm Bureau: $2,061 per year.

Cheapest auto insurance in Texas for 65-year-old drivers with one at-fault crash

For drivers with a recent accident living in Texas, here are the companies with the lowest average rates for full coverage:

  1. Republic Group: $1,153 per year.
  2. Geico: $1,582 per year.
  3. State Farm: $1,737 per year.
  4. Texas Farm Bureau: $1,836 per year.
  5. Nationwide: $2,021 per year.

Cheapest auto insurance in Texas for 65-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Esurance: $1,407 per year.
  2. Republic Group: $1,521 per year.
  3. Geico: $1,627 per year.
  4. Houston General: $1,854 per year.
  5. State Farm: $2,119 per year.

Cheapest car insurance for military families

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

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest five auto insurance options for 34 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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.

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.

» MORE: The best cheap renters insurance in Texas

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 applies if you own 25 vehicles or more.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

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

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

  • We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

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

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.
  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
  • 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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