Cheapest Car Insurance in Texas (Best Rates in 2025)
Texas Farm Bureau has the cheapest car insurance in Texas, at $86 per month for full coverage and $34 per month for liability coverage.
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Cheapest and best car insurance in Texas
How we chose the top companies
Best and cheapest car insurance in Texas
- Cheapest full coverage: Texas Farm Bureau, $86/mo
- Cheapest minimum liability: Texas Farm Bureau, $34/mo
- Cheapest for young drivers: Texas Farm Bureau, $65/mo
- Cheapest after a ticket: Texas Farm Bureau, $86/mo
- Cheapest after an accident: State Farm, $130/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Texas Farm Bureau, $65/mo
- Cheapest after a DUI: State Farm, $119/mo
- Cheapest for poor credit: Allstate, $169/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Texas Farm Bureau has the best mix of great customer service and cheap rates in Texas. However, it doesn't offer online quotes, so you'll have to contact a local agent to compare rates.
State Farm is the best company in Texas for drivers looking to quickly compare quotes online. It has reliable customer service, although it's typically more expensive than Texas Farm Bureau.
Best cheap auto insurance in Texas: Texas Farm Bureau
Texas Farm Bureau has the cheapest full coverage insurance in Texas.
Full coverage from Texas Farm Bureau costs just $86 per month, which is roughly half the average cost statewide. However, Farm Bureau doesn't offer online quotes. You have to speak with an agent to compare rates.
State Farm has the cheapest online car insurance quotes in Texas. At $112 per month, full coverage from State Farm costs $70 per month less than the Texas average.
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The average cost of car insurance in Texas is $182 per month for a full coverage policy. That's $7 per month more than the national average.
Best cheap full coverage car insurance in Texas
Company | Monthly rate | |
|---|---|---|
| Texas Farm Bureau | $86 |
| State Farm | $112 |
| Geico | $164 |
| Allstate | $169 |
| Progressive | $220 |
*USAA is only available to current and former military members and their families.
Cheap liability car insurance in Texas: Texas Farm Bureau
Texas Farm Bureau has the cheapest auto insurance in Texas, at $34 per month for minimum liability coverage.
That's half the average cost of minimum coverage in Texas. The average cost of car insurance in Texas is $67 per month for a minimum liability policy.
USAA and State Farm also have very cheap rates for liability-only car insurance. But USAA is only available to current and former military members and their families.
Cheapest quotes for liability car insurance in Texas
Company | Monthly rate |
|---|---|
| Texas Farm Bureau | $34 |
| State Farm | $44 |
| Progressive | $55 |
| Geico | $66 |
| Allstate | $69 |
*USAA is only available to current and former military members and their families.
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Cheapest car insurance in Texas for young drivers: Texas Farm Bureau
Texas Farm Bureau offers the best car insurance rates to Texas teens for minimum coverage and full coverage.
A minimum liability policy from Texas Farm Bureau costs $65 per month for an 18-year-old, and full coverage costs $143 per month. That's around one-quarter of the average for teens in Texas.
Cheap Texas auto insurance companies for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Texas Farm Bureau | $65 | $143 |
| State Farm | $150 | $321 |
| Geico | $165 | $362 |
| Allstate | $230 | $520 |
| Progressive | $282 | $1,031 |
*USAA is only available to current and former military members and their families.
Young drivers should get full coverage insurance if they drive a newer car and can afford it.
Teens are more likely to get into accidents than drivers with more experience. So a policy that protects their car against damage, regardless of if they cause it, could be worth it.
The best way for young drivers to save money on their car insurance is by sharing a policy with their parents or an older relative.
Teen drivers can also save by getting discounts. For example, most companies offer a discount to full-time students with a GPA of 3.0 or higher.
Cheap Texas car insurance quotes after a ticket: Texas Farm Bureau
Texas Farm Bureau has the cheapest full coverage insurance in Texas for drivers with a speeding ticket. The company charges an average of $86 per month for full coverage, which is $135 per month cheaper than the state average.
Best TX car insurance rates after a ticket
Company | Monthly rate |
|---|---|
| Texas Farm Bureau | $86 |
| State Farm | $112 |
| Allstate | $169 |
| Geico | $197 |
| Progressive | $291 |
*USAA is only available to current and former military members and their families.
Car insurance quotes in Texas go up by 36%, on average, after a single speeding ticket. But companies raise rates by different amounts. You may not see an increase with State Farm or Texas Farm Bureau.
Cheapest car insurance after an accident in Texas: State Farm
State Farm has the cheapest auto insurance if you have an accident in Texas. A full coverage policy from State Farm costs $130 per month. That's $206 per month less than the Texas average.
Low-cost auto insurance in Texas after an accident
Company | Monthly rate |
|---|---|
| State Farm | $130 |
| Texas Farm Bureau | $137 |
| Allstate | $182 |
| Geico | $265 |
| Progressive | $343 |
*USAA is only available to current and former military members and their families.
Car insurance quotes in Texas nearly double after an at-fault accident. That's a difference of around $155 per month for a full coverage policy.
Don't worry about switching car insurance companies right after your accident. Your current company won't raise your rates until your policy renews.
Instead, wait until you get your renewal offer in the mail or by email. Then, you should shop around for multiple quotes to make sure you're getting the best price.
Cheapest for Texas teens with a ticket or accident
Texas Farm Bureau has the cheapest liability insurance in Texas for young drivers with a speeding ticket or accident on their record.
A minimum liability policy from Texas Farm Bureau costs around $65 per month after a single speeding ticket. That's one-quarter of the state average.
Teen drivers pay $93 per month for minimum coverage from Texas Farm Bureau after an at-fault accident. That's $242 per month less than the state average.
Cheap liability insurance in Texas for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Texas Farm Bureau | $65 | $93 |
| State Farm | $150 | $169 |
| Geico | $184 | $243 |
| Allstate | $230 | $233 |
| Progressive | $287 | $293 |
*USAA is only available to current and former military members and their families.
Young drivers in Texas can expect minimum liability rates to increase by 11% after a speeding ticket and 51% after an accident.
Best cheap insurance in Texas after a DUI: State Farm
State Farm has the most affordable auto insurance in Texas after a DUI. Full coverage from State Farm costs $119 per month, which is less than half the state average.
In Texas, full coverage car insurance rates go up by an average of 40% after a DUI.
Cheap Texas car insurance companies after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $119 |
| Texas Farm Bureau | $166 |
| Allstate | $220 |
| Progressive | $254 |
| Geico | $295 |
*USAA is only available to current and former military members and their families.
Drivers with a DUI may need SR-22 insurance in Texas. It typically costs between $15 and $50 for an insurance company to file an SR-22 form on your behalf, on top of any increase in your insurance rates.
Cheapest insurance in Texas for drivers with poor credit: Allstate
Allstate is the cheapest company for drivers with poor credit, with an average rate of $169 per month for full coverage. That's less than half the Texas average.
Low-cost auto insurance in Texas if you have poor credit
Company | Monthly rate |
|---|---|
| Allstate | $169 |
| Texas Farm Bureau | $195 |
| Progressive | $382 |
| Geico | $430 |
| Farmers | $684 |
*USAA is only available to current and former military members and their families.
Texas drivers with low credit scores pay more than double what those with good credit pay for the same coverage.
Your credit score doesn't reflect your driving ability. But insurance companies believe that drivers with poor credit are more likely to file a claim. This means you usually pay more if you have poor credit.
Best auto insurance in Texas
USAA is the best auto insurance company in Texas, thanks to cheap rates and top customer service ratings.
However, USAA is only available to members of the military, veterans and some of their family members.
State Farm is the best choice for Texans not eligible for USAA. It has reliable customer service along with affordable rates.
Top-rated insurance companies in Texas
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Geico | 637 | A++ | |
| Texas Farm Bureau | 686 | A- | |
| Farmers | 619 | A |
Average Texas car insurance cost by city
Kamay, part of the Wichita Falls metro area, has the cheapest car insurance in Texas.
Drivers in Kamay pay an average of $144 per month for full coverage insurance.
The Houston neighborhood of Aldine has the most expensive rate in the state, at $228 per month.
Texas car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Abbott | $152 | -10% |
| Abernathy | $165 | -2% |
| Abilene | $154 | -8% |
| Abram | $192 | 15% |
| Ace | $171 | 2% |
Texas drivers pay an average of $182 per month for a full coverage policy. But average rates can vary by $84 per month for full coverage, depending on where you live.
Auto insurance in Texas: Minimum liability insurance requirements
Texas drivers must have a minimum amount of liability insurance to drive legally. This requirement is sometimes written as 30/60/25.
- Bodily injury (BI) liability insurance: $30,000 per person and $60,000 per accident
- Property damage (PD) liability insurance: $25,000 per accident
What's the best car insurance coverage for Texas drivers?
Full coverage car insurance is the best choice for most drivers in Texas.
Full coverage car insurance is typically required by your lender if you have a car loan or lease.
It's also a good idea if your car is less than 8 years old or worth more than $5,000. This is because full coverage includes collision and comprehensive coverage, which pay for damage to your car, regardless of whose fault it is.
Full coverage also typically includes higher liability limits than the state requires. This is important because the Texas requirements may not be high enough to cover the cost of a serious accident.
For example, after a major crash, the other driver's medical bills could top the $30,000 bodily injury coverage limit. You would have to pay for costs above the limit.
Minimum liability policies are cheap, but they may not protect you much after an accident.
Minimum liability policies don't cover damage to your car because they don't include comprehensive and collision insurance.
However, minimum coverage may be right for you if you have an older car that you can easily afford to replace after a crash. Even if that's the case, it's a good idea to increase your liability coverage if you can afford it.
Cost of Texas auto insurance over time
The cost of car insurance in Texas has gone up 49% since 2019.
Rate increases in Texas peaked in 2022 and 2023, when prices went up 25% and 18%, respectively.
That followed three years when rates were mostly stable between 2019 and 2021.
The increases in car insurance rates in 2022 and 2023 are primarily because of higher repair costs after the COVID-19 pandemic. Another major cause was higher claim rates due to rebounds in driving.
Among major Texas insurers, Farmers and Liberty Mutual have had the biggest increases, while USAA, Incline Insurance and Home State had rates go up the least.
Thus far in 2024, insurance rates have seen only a modest increase of about 1.4%, and seven of the top 10 insurers haven't raised rates at all.
Frequently asked questions
What is the cheapest car insurance in Texas?
Texas Farm Bureau has the cheapest rate for liability-only coverage, at $34 per month. It also has the cheapest rate for full coverage, at $86 per month. Your rate will be different based on where you live, your car and your driving history.
How much is car insurance in Texas?
The average price of car insurance in Texas is $67 per month for a minimum liability policy. Rates for full coverage average $182 per month.
Why is auto insurance so expensive in Texas?
Car insurance in Texas is not as expensive as in some states. Minimum coverage in Texas is 3% cheaper than the national average. Plus, a full coverage policy in Texas is only 4% more expensive than the national average.
Texas also has several major cities with lots of traffic, which leads to higher risks of car accidents and theft. Drivers living in these areas may have more expensive rates.
How much car insurance do I need in Texas?
The minimum car insurance required in Texas is often referred to as 30/60/25. That means $30,000 of bodily injury liability per person and $60,000 per incident, plus $25,000 of property damage liability coverage.
Methodology
ValuePenguin collected thousands of quotes from ZIP codes across Texas for the largest insurance companies. Rates are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Full coverage rates are for a policy that includes collision, comprehensive and liability coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Auto insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.