Cheapest Car Insurance In Texas (2024) (original) (raw)
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, Writer
10/18/2024 08:00 AM
Because the cost of car insurance is increasing, it’s smart for drivers in Texas to compare different policies to discover the cheapest coverage. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.
In this guide, we’ll show you how to save money on car insurance and where you can find the most affordable coverage in Texas that suits your driving profile.
Key Points
- Texas Farm Bureau is the cheapest car insurance company in Texas overall, with an average rate of $38 per month for minimum coverage and $118 per month for full coverage.
- State Farm and USAA also offer affordable car insurance rates for many driver profiles.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
Cheapest Car Insurance Rates in Texas
Car insurance companies each have their own way of evaluating drivers, so the provider that is the most affordable for one person may not be the most affordable for you. For instance, here is a quick overview of the least expensive auto insurance providers and their prices for various driver profiles in Texas:
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | Texas Farm Bureau | 38∣38 | 38∣454 |
| Full coverage | Texas Farm Bureau | 118∣118 | 118∣1,420 |
| 16-year-olds | Texas Farm Bureau | 100∣100 | 100∣1,197 |
| 45-year-olds | Texas Farm Bureau | 33∣33 | 33∣398 |
| High-risk drivers | State Farm | 55∣55 | 55∣656 |
| After a speeding ticket | Texas Farm Bureau | 38∣38 | 38∣454 |
| After an accident | State Farm | 51∣51 | 51∣606 |
| After a DUI | State Farm | 72∣72 | 72∣861 |
| Poor credit drivers | USAA | 50∣50 | 50∣597 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Texas?
In general, we discovered that Texas Farm Bureau has the least expensive auto insurance in Texas for various types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Texas.
These percentages apply to drivers in Texas with various ages, locations, and driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Texas: Texas Farm Bureau
Drivers looking for the most affordable coverage that just meets Texas state minimum requirements may find it at Texas Farm Bureau for about $38 per month or $454 per year on average.
| Cheapest Car Insurance in Texas | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | 38∣38 | 38∣454 |
| State Farm | 42∣42 | 42∣499 |
| USAA | 50∣50 | 50∣597 |
| GEICO | 56∣56 | 56∣666 |
| AAA | 65∣65 | 65∣778 |
| Progressive | 79∣79 | 79∣947 |
| Allstate | 110∣110 | 110∣1,324 |
| Farmers | 149∣149 | 149∣1,786 |
Cheapest Full Coverage In Texas: Texas Farm Bureau
If you want the best coverage for a good price, Texas Farm Bureau is the best choice. The provider offers full-coverage insurance for an average of $118 per month.
Full-coverage insurance policies in Texas generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Texas | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Texas Farm Bureau | 118∣118 | 118∣1,420 |
| GEICO | 182∣182 | 182∣2,179 |
| State Farm | 187∣187 | 187∣2,238 |
| AAA | 198∣198 | 198∣2,373 |
| USAA | 201∣201 | 201∣2,408 |
| Progressive | 275∣275 | 275∣3,299 |
| Allstate | 380∣380 | 380∣4,565 |
| Farmers | 477∣477 | 477∣5,720 |
Cheapest Car Insurance In Texas: Age
Below, you’ll find average insurance costs for Texas drivers ages 16 to 55 as well as the top five most affordable car insurance companies for each age group. Drivers aged 30 to 55 usually qualify for the most affordable auto insurance coverage due to their greater driving experience. Additionally, they have a lower likelihood of being involved in car accidents compared to younger drivers, according to statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | 298∣298 | 298∣901 |
| 25 | 82∣82 | 82∣276 |
| 35 | 65∣65 | 65∣228 |
| 45 | 66∣66 | 66∣220 |
| 55 | 61∣61 | 61∣204 |
Cheapest Texas Car Insurance: Young Drivers
As mentioned, drivers in their teens and early 20s typically pay the most expensive car insurance rates. This is mostly because these drivers don’t have as much experience driving and are more likely to not follow traffic rules and have car accidents.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Texas Car Insurance For 16-Year-Olds: Texas Farm Bureau
If you’re a teen driver or the parent of one, Texas Farm Bureau may be your best bet for finding the most affordable car insurance in Texas.
The company’s cheapest average rates for 16-year-old drivers are $100 per month or $1,197 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $258 per month or $3,098 per year from Texas Farm Bureau.
| Cheapest Car Insurance in Texas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | 100∣100 | 100∣258 |
| USAA | 153∣153 | 153∣543 |
| State Farm | 158∣158 | 158∣554 |
| GEICO | 169∣169 | 169∣508 |
| AAA | 241∣241 | 241∣563 |
| Allstate | 292∣292 | 292∣726 |
| Progressive | 482∣482 | 482∣1,767 |
| Farmers | 792∣792 | 792∣2,292 |
Cheapest Texas Car Insurance For 25-Year-Olds: Texas Farm Bureau
Car insurance rates for young drivers in their 20s are much lower than what teenagers pay. However, the rates for this age group can still be quite high depending on the insurance company you select.
Texas Farm Bureau provides the cheapest car insurance costs on average at $43 per month or $510 per year for minimum coverage. Texas Farm Bureau costs $129 per month or $1,553 per year for full coverage.
| Cheapest Car Insurance in Texas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | 43∣43 | 43∣129 |
| State Farm | 46∣46 | 46∣209 |
| USAA | 54∣54 | 54∣218 |
| GEICO | 60∣60 | 60∣193 |
| AAA | 73∣73 | 73∣222 |
| Progressive | 84∣84 | 84∣294 |
| Allstate | 119∣119 | 119∣410 |
| Farmers | 174∣174 | 174∣532 |
Cheapest Texas Car Insurance: Adult Drivers
Auto insurance rates are typically the cheapest for people in their 40s who drive. You can compare average auto insurance premiums of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Texas Car Insurance For 35-Year-Olds: Texas Farm Bureau
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from Texas Farm Bureau. The company offers average minimum-coverage costs of $33 per month or $398 per year. For full coverage, Texas Farm Bureau’s rates average $107 monthly or $1,287 annually.
| Cheapest Car Insurance in Texas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | 33∣33 | 33∣107 |
| State Farm | 37∣37 | 37∣164 |
| USAA | 46∣46 | 46∣183 |
| GEICO | 51∣51 | 51∣170 |
| AAA | 57∣57 | 57∣174 |
| Progressive | 73∣73 | 73∣256 |
| Allstate | 102∣102 | 102∣350 |
| Farmers | 124∣124 | 124∣422 |
Cheapest Texas Car Insurance For 45-Year-Olds: Texas Farm Bureau
Forty-five-year-old drivers may find the most affordable minimum coverage from Texas Farm Bureau, with average rates of $33 per month or $398 per year. The cheapest full coverage comes from Texas Farm Bureau at $107 per month or $1,287 per year.
| Cheapest Car Insurance in Texas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | 33∣33 | 33∣107 |
| State Farm | 38∣38 | 38∣161 |
| USAA | 43∣43 | 43∣169 |
| GEICO | 51∣51 | 51∣165 |
| AAA | 57∣57 | 57∣172 |
| Progressive | 71∣71 | 71∣241 |
| Allstate | 101∣101 | 101∣343 |
| Farmers | 129∣129 | 129∣405 |
Cheapest Texas Car Insurance For 55-Year-Olds: Texas Farm Bureau
People who are in their fifties generally have the opportunity to get the most affordable car insurance rates in Texas by choosing Texas Farm Bureau. The insurer’s average premiums are $29 monthly or $342 annually for minimum coverage. The cheapest full coverage option is from Texas Farm Bureau, costing $107 monthly or $1,287 annually
| Cheapest Car Insurance in Texas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | 29∣29 | 29∣93 |
| State Farm | 36∣36 | 36∣150 |
| USAA | 42∣42 | 42∣161 |
| GEICO | 51∣51 | 51∣155 |
| AAA | 55∣55 | 55∣167 |
| Progressive | 69∣69 | 69∣219 |
| Allstate | 93∣93 | 93∣324 |
| Farmers | 114∣114 | 114∣361 |
Cheapest Car Insurance In Texas: High-Risk Drivers
Your driving habits, along with the type of coverage and your age, greatly determine the cost of your car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding citations, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk and have multiple violations on their records pay car insurance rates that are higher than the average. On average, Texas motorists who are deemed high-risk may find the most affordable rates from State Farm for minimum coverage or Texas Farm Bureau for full coverage.
| Cheapest Car Insurance in Texas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | 55∣55 | 55∣224 |
| Texas Farm Bureau | 64∣64 | 64∣175 |
| USAA | 72∣72 | 72∣279 |
| GEICO | 83∣83 | 83∣263 |
| Progressive | 98∣98 | 98∣381 |
| AAA | 104∣104 | 104∣299 |
| Allstate | 172∣172 | 172∣533 |
| Farmers | 211∣211 | 211∣667 |
Cheapest Texas Car Insurance For Drivers With A Speeding Ticket: Texas Farm Bureau
Drivers with a speeding citation on their record can generally find the most affordable coverage from Texas Farm Bureau, with average rates of $38 per month or $454 per year for minimum coverage and $118 per month or $1,420 per year for full coverage.
| Cheapest Car Insurance in Texas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | 38∣38 | 38∣118 |
| State Farm | 42∣42 | 42∣187 |
| USAA | 56∣56 | 56∣228 |
| GEICO | 63∣63 | 63∣211 |
| AAA | 91∣91 | 91∣268 |
| Progressive | 95∣95 | 95∣379 |
| Allstate | 110∣110 | 110∣380 |
| Farmers | 184∣184 | 184∣654 |
Cheapest Texas Car Insurance For Drivers With An At-Fault Accident: State Farm
Getting into a car accident in Texas may raise the amount you pay for car insurance. State Farm tends to offer the most affordable rates on average at about $51 per month or $606 per year for minimum coverage and $213 per month or $213 per year for full coverage.
| Cheapest Car Insurance in Texas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | 51∣51 | 51∣213 |
| Texas Farm Bureau | 65∣65 | 65∣187 |
| USAA | 78∣78 | 78∣304 |
| GEICO | 87∣87 | 87∣275 |
| Progressive | 110∣110 | 110∣431 |
| AAA | 111∣111 | 111∣313 |
| Allstate | 208∣208 | 208∣608 |
| Farmers | 283∣283 | 283∣811 |
Cheapest Texas Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a DUI conviction, you may find the cheapest minimum car insurance in Texas from State Farm for $72 per month or $861 per year on average. They also have rates of $274 monthly or $3,285 annually for full coverage.
| Cheapest Car Insurance in Texas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | 72∣72 | 72∣274 |
| USAA | 81∣81 | 81∣305 |
| Progressive | 88∣88 | 88∣333 |
| Texas Farm Bureau | 89∣89 | 89∣221 |
| GEICO | 101∣101 | 101∣304 |
| AAA | 110∣110 | 110∣316 |
| Farmers | 165∣165 | 165∣538 |
| Allstate | 198∣198 | 198∣610 |
Cheapest Texas Car Insurance For Drivers With Poor Credit: USAA
People who have bad credit have to pay more money for their car insurance. Those who don’t have the best credit history may want to check out USAA, which has an average minimum-coverage rate of $79 per month or $946 per year and an average full-coverage rate of $358 per month or $4,300 per year.
| Cheapest Car Insurance in Texas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 79∣79 | 79∣358 |
| Texas Farm Bureau | 80∣80 | 80∣274 |
| AAA | 101∣101 | 101∣307 |
| Progressive | 115∣115 | 115∣470 |
| GEICO | 149∣149 | 149∣482 |
| Allstate | 161∣161 | 161∣591 |
| Farmers | 179∣179 | 179∣643 |
| State Farm | 250∣250 | 250∣1,077 |
Average Cost Of Car Insurance In 10 Texas Cities
The location in Texas where you reside impacts the amount you must pay for car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There are a greater number of cars driving on the streets.
- More car accidents happening at a greater frequency.
- More instances of breaking traffic rules
- More incidents of car theft and car vandalism
- Extreme weather conditions.
Certain factors that increase the chances of risks have a greater impact on individuals who own cars in larger cities. This is why drivers in busy cities have to pay the highest average price for car insurance with minimum coverage. On the other hand, drivers in rural areas with less crime and a smaller population are more likely to enjoy lower rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Houston | 82∣82 | 82∣248 |
| San Antonio | 68∣68 | 68∣204 |
| Dallas | 76∣76 | 76∣243 |
| Fort Worth | 64∣64 | 64∣201 |
| Austin | 67∣67 | 67∣202 |
| El Paso | 59∣59 | 59∣199 |
| Spring | 75∣75 | 75∣222 |
| Katy | 76∣76 | 76∣221 |
| Brownsville | 80∣80 | 80∣230 |
| Irving | 72∣72 | 72∣223 |
Top 5 Car Insurance Companies In Texas
We have looked at more than 40 insurance companies in Texas, not just considering the cost, but also their coverage, service, and reliability. This helped us identify the top five insurers. Based on our research, we found Texas Farm Bureau to be the best provider for most drivers in Texas. Here are the ratings for our recommended choices.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 AAA | 4.5 | 4.5 | 4.9 | 4.1 | 4.4 |
| #3 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #4 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #5 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Texas
In Texas, you have a few options to reduce how much you pay for car insurance. These include:
- Opting for minimum coverage: If you just get the lowest amount of coverage that your state demands, you’ll pay the least amount of money for car insurance.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from several different companies is beneficial because it allows you to better understand which provider will give you the most advantageous offer.
Many insurance companies offer programs where you can save money based on how much you actually use your insurance. These programs are called usage-based insurance. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you might be eligible for a big discount. However, certain programs may increase your rates if you engage in risky driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Texas Require For Car Insurance?
Drivers in Texas must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $60,000 bodily injury liability per accident
- $30,000 bodily injury liability per person
- $25,000 property damage liability per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Texas
When it comes to both minimum and full coverage, Texas Farm Bureau is the best and cheapest auto insurance company for most drivers in Texas. While the above costs can give you an idea of what you’d pay for car insurance in Texas, getting a personalized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer easy-to-use online tools for getting quotes quickly and without charge, but you can also reach out to an insurance agent or representative at the company through a phone call. Once you have gathered quotes from at least three different providers, take the time to compare them and find the option that suits you best.
Best Cheap Car Insurance In Texas: FAQ
Here are some frequently asked questions about car insurance in Texas:
How much is car insurance per month in Texas?
The average cost of minimum-coverage car insurance in Texas is $73 per month or $881 per year. For full coverage, the average is $252 per month or $3,025 per year.
Is Texas Car Insurance Cheaper?
Texas auto insurance is typically more expensive than the national average. Nationwide, the average cost of minimum-coverage insurance is 670peryear,whiletheaverageinTexasis∗∗670 per year, while the average in Texas is 670peryear,whiletheaverageinTexasis∗∗881 per year. For full coverage, residents of Texas pay about $3,025 per year on average, which is more than the national average of $2,216 per year.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.