Fact CheckedThe cheapest car insurance companies in Texas, at a glance
Coverage type
Full coverage | Auto Club of SoCal, $129 per month
Liability 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 Texas' ZIP codes to find which insurers have the cheapest auto insurance for drivers with multiple ages, 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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
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.
After an accident, full coverage car insurance helps you to pay for injuries and property damage you cause others, as well as most types of damage to your car. Auto loans and leases usually require you to carry full coverage. 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.
Why is car insurance so expensive in Texas — and what can you do about it?
As accidents have gone up and claims have gotten more expensive, even drivers in Texas who usually avoid accidents and tickets can see their car insurance rates get higher.
At a time like this when rates are high, reliable tricks like raising your policy’s deductibles, dropping some coverage on an older car and comparing quotes from a few insurers before buying or renewing a policy could all help you keep your costs relatively low.
Andrew Hurst, Licensed Auto Insurance Professional
Cheapest 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.
Texas requires only liability insurance to drive legally. Liability insurance helps pay for the injuries that you cause to others, but not damage to your own car. If you cause an accident and you have only liability insurance, you would need to repair or replace your car on your own.
| 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 . 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 pre-set 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 would easily exceed a $25,000 ceiling. Any damage that surpasses your limits has to come out of your own pocket. That’s why for many drivers it’s wise to select higher limits, such as 100/300/50.
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.
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.
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.
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.
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.
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.
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 old 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, so 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 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.
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.
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.
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 Mar 20, 2026.
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.
