Cheapest car insurance in Texas (TX) of April 2024

Average cost of car insurance in Texas by driver profile

Average car insurance rates in Texas by company

Average annual and monthly rates are based on those for good drivers, or those with a clean driving record.

Cheapest car insurance companies in Texas

USAA is the cheapest car insurance company in Texas, with an average annual rate of just $1,853 for good drivers. That’s nearly $300 less than the national average cost of car insurance and more than $1,000 less than the state average.

USAA coverage may be unavailable for many Texas drivers, as its car insurance policies are only available to USAA members. Membership is limited to active or retired military members and their eligible family members.

A close second is Geico, with good drivers paying $1,861 a year, on average. Nationwide is also under $2,000 a year.

Of the top four cheapest car insurance companies in Texas, three — USAA, Geico and Nationwide — earned top scores in our analysis of the best car insurance companies.

Cheapest car insurance in Texas by driver profile

• After a speeding ticket.
• After an accident.
• After a DUI.
• With poor credit.
• After a gap in coverage.
• High risk.
• 16-year-old driver added to parent policy.
• Senior drivers.

Cheapest car insurance in Texas after a speeding ticket

If you just got a speeding ticket, check out Geico, Texas Farm Bureau and USAA. Geico offers an average rate that’s over $1,300 less than the national average. Texas Farm Bureau and USAA offers rates that are only slightly higher than Geico.

Cheapest car insurance after a speeding ticket in Texas

Cheapest car insurance after an accident in Texas

Texas Farm Bureau and Nationwide are top options for drivers who’ve made mistakes behind the wheel. If you caused a wreck involving injuries, then Texas Farm Bureau offers the cheapest average rate – $194 a month, which is over $160 less than the national average for drivers in this category.

If you’re at-fault for an accident that resulted in only property damage, consider Nationwide.  Drivers in this category pay an average of $204 a month with Nationwide.

Geico and State Farm are also solid contenders for either type of wreck.

Cheapest Texas car insurance after an accident with injuries

Cheapest Texas car insurance after an accident with property damage

Cheapest car insurance after a DUI in Texas

Drivers will struggle to find cheap car insurance after a DUI, but there are insurers out there that are willing to give you a second chance.

If you’re a Texan with a DUI, your best bet is Esurance, with an average annual rate of $2,302, about 50% less than the state average for drivers with a DUI. National General and Geico are two other good options.

Cheapest car insurance after a DUI in Texas

Cheapest car insurance with poor credit in Texas

In Texas, insurance companies can factor in your credit score when setting rates — and many insurers don’t look too favorably on drivers with bad credit scores. If you have poor credit, consider getting quotes from Nationwide ($2,959) and Geico ($3,000). Mercury also has competitive rates.

Cheapest Texas car insurance with poor credit

Cheapest car insurance after a gap in coverage in Texas

Drivers who let their coverage lapse may find they’re getting higher quotes when they go to re-enroll. If you’re frustrated by the high prices after a gap in coverage, check out Geico, which has an average annual rate of $2,057 for such drivers.

USAA is also more forgiving — and the only other insurer with an average annual rate below $2,500.

Cheapest Texas car insurance in after a gap in coverage

Cheapest car insurance for high-risk drivers in Texas

Insurance providers might consider you high risk for a number of reasons: You have tickets, you’ve been at fault in accidents, you have a DUI, your credit score is in bad shape, etc. Some insurance providers may also consider teens and seniors high risk solely because of their age.

The bad news? There’s not much you can do to shake the designation (not immediately, at least). The good news? Quite a few insurers provide policies with manageable premiums.

Geico is the cheapest car insurance company for high-risk Texas drivers at $2,671 a year, but Nationwide and National General also have lower-than-average rates.

Cheapest Texas car insurance for high-risk drivers

Cheapest car insurance for adding a teen driver in Texas

Teens have some of the highest car insurance rates in Texas (and the nation), but if you have a teen driver in the house, adding them to your policy can lower their coverage costs. Nationwide is the only insurer in our analysis that offers an average monthly rate under $100 a month, but Geico and Chubb also have competitive rates for this age group of new drivers.

Cheapest car insurance in Texas for adding a 16-year-old to a parent policy

Cheapest car insurance for senior drivers in Texas

Senior drivers in Texas may be able to unlock serious savings with State Farm. Its average rates are about $100 less than the national average of $225. Geico and Nationwide also offer some of the most competitive average rates for Texans in their 60s, 70s and 80s.

Cheapest Texas car insurance for seniors

Car insurance requirements in Texas

Texas state law requires that all drivers carry at least a minimum amount of liability insurance.

Specifically, drivers need at least the following:

• $30,000 in bodily injury liability coverage per person.
• $60,000 in bodily injury liability coverage per accident.
• $25,000 in property damage liability coverage per accident.

If you’re checking your state’s department of motor vehicles or getting quotes online, you may see this presented as a 30/60/25 liability insurance policy. Insurance companies licensed in the state of Texas will know what minimum coverage you need.

How to find cheap car insurance in Texas

The cost of car insurance in Texas is steep, but we’ve got a few tips to help you find the best cheap car insurance while still maintaining the coverage you need.

Switch policies

Staying with your current insurance provider may earn you a loyalty discount or a vanishing deductible, but even then, you might be spending too much money on car insurance. At the very least, it never hurts to shop around when your policy is up for renewal.

Use our list of the cheapest car insurance companies in Texas to generate quotes for the same level of coverage (same limits, same deductibles) and see how much you could save. You can also use an online insurance marketplace or work with an independent insurance agent to compare prices.

Take advantage of discounts

Your insurance provider likely offers a lot of discounts that are easy to qualify for. Talk with your agent or review your policy to see which you’re already getting — and which you might be able to add.

Discounts vary by insurer, but these are some of the most common:

• Multi-policy: Bunding your home and auto insurance can usually result in decent discounts for both policies. Not a homeowner? Many insurance companies offer the same deal for condo and renters insurance.
• Multi-vehicle: Even if you and your partner like to keep your finances separate, you both might be able to save some cash by putting your cars on the same policy.
• Usage-based insurance: Taking part in an insurance company’s usage-based insurance policy means they’ll monitor your driving habits — and reward you for being a safe driver. Careful, though: Unsafe driving can actually result in a rate increase.
• Defensive driving course: Want to lower your premium? Most insurers will offer a rate decrease for several years if you complete an approved defensive driving course.
• Paying in full: Rather than pay your premium every month, write one big check (or arrange for one major ACH withdrawal) at the start of the policy. Insurers usually offer discounts when you pay in full upfront.

Fine-tune your coverages

You can get a lower car insurance rate by decreasing your limits, raising your deductible and dropping coverages you don’t need.

For instance, if you have an old car with a lot of miles on it, rethink the high limits you might have on comprehensive and collision. If the limit is higher than the vehicle is even worth, you’re paying for too much coverage. Drop the limits, and watch your premium fall.

On the flip side, raising your deductible — the amount of money that’s deducted from your claim payout — can significantly lower your monthly insurance costs. Look at the deductibles on your current plan. If you could afford to spend a little more in the event of an accident, raise your deductibles. Doing so is one of the best ways to lower your car insurance premium.

Finally, coverages like rental car reimbursement, mechanical breakdown insurance and emergency roadside assistance are nice. But if you’re struggling to afford car insurance and looking to trim costs, cut these out of your policy to lower your rates.