Nerdy takeaways
Texas Farm Bureau offers the cheapest full coverage in Texas, with an average rate of $1,268 per year according to NerdWallet's September 2024 analysis.
Full coverage in Texas costs an average of $2,567 per year, or $214 per month.
If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in Texas is $832 per year, or $69 per month.
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If you’re looking for cheap auto insurance in Texas, you’ve come to the right place. They say everything’s bigger in Texas, and while that might apply to the trucks you see on the road, it doesn’t need to describe your auto insurance bill.
Finding affordable car insurance isn’t always easy, so we’ve done the hard work of narrowing down the cheapest options in the Lone Star State.
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Keep reading to find the cheapest car insurance in Texas for different driver profiles and coverage types among:
20-year-olds
30-year-olds
40-year-olds
50-year-olds
60-year-olds
70-year-olds
Military families
You can also find tips to save on car insurance, information on Texas' minimum insurance requirements, the risks of opting for cheap car insurance as well as alternative car insurance options in the state.
Cheap car insurance in Texas
Here's the cheapest full coverage car insurance for Texas 35-year-old drivers with different driving records.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Texas Farm Bureau | $1,268 |
| After a DUI | Geico | $1,734 |
| After an accident | State Farm | $1,766 |
| After a speeding ticket | Texas Farm Bureau | $1,268 |
| Having poor credit | Geico | $1,769 |
The cheapest car insurance company in Texas is Texas Farm Bureau at $1,268 per year on average, or $106 per month, according to NerdWallet's September 2024 analysis of full coverage car insurance rates in Texas. Meanwhile, the average cost of full coverage car insurance in Texas is $2,567 per year, or about $214 per month.
Minimum coverage in Texas costs $832 per year on average, but we found you can likely get a cheaper policy. For example, State Farm offers the cheapest rates in Texas at $376 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
If you’re looking for top-of-the-line auto coverage, check out our list of the best car insurance in Texas.
🤓Nerdy Tip
Did your rates go up? Auto insurance prices are on the rise in Texas. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
If you’re looking for the cheapest car insurance in your city, NerdWallet also analyzed rates for some of the largest Texas cities, including:
Katy.
How we chose the cheapest companies in Texas
NerdWallet’s editorial team analyzed car insurance rates from 19 auto insurers in Texas and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Texas. For full coverage, we used the below 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.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Texas where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Cheap auto insurance in Texas for 20-year-olds
Drivers in their 20s may have to get a lot of quotes to find the best 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. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,918 | $160 |
| Geico | $2,902 | $242 |
| Auto Club of SoCal | $3,028 | $252 |
| Progressive | $3,316 | $276 |
| State Farm | $3,704 | $309 |
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $702 | $59 |
| Geico | $982 | $82 |
| Progressive | $1,081 | $90 |
| Auto Club of SoCal | $1,145 | $95 |
| State Farm | $1,197 | $100 |
Cheapest car 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,503 | $125 |
| Geico | $1,507 | $126 |
| Progressive | $1,724 | $144 |
| Auto Club of SoCal | $1,797 | $150 |
| Allstate | $2,259 | $188 |
Cheapest car insurance in Texas for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $702 | $59 |
| Geico | $992 | $83 |
| State Farm | $1,214 | $101 |
| Progressive | $1,255 | $105 |
| Auto Club of SoCal | $1,616 | $135 |
Cheapest car 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,092 | $91 |
| Geico | $1,239 | $103 |
| State Farm | $1,272 | $106 |
| Progressive | $1,308 | $109 |
| Auto Club of SoCal | $1,962 | $164 |
Cheapest car 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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $1,212 | $101 |
| Geico | $1,315 | $110 |
| State Farm | $1,540 | $128 |
| Auto Club of SoCal | $1,941 | $162 |
| Mercury | $1,948 | $162 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheap auto insurance in Texas for 30-year-old drivers
By the time they reach their 30s, most drivers will 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 any car insurance discounts.
Cheapest full coverage car insurance in Texas for 30-year-olds
Drivers in Texas seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,316 | $110 |
| Geico | $1,398 | $117 |
| State Farm | $1,618 | $135 |
| Auto Club of SoCal | $1,641 | $137 |
| Progressive | $1,736 | $145 |
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $379 | $32 |
| Texas Farm Bureau | $442 | $37 |
| Geico | $540 | $45 |
| Auto Club of SoCal | $547 | $46 |
| Progressive | $551 | $46 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Allstate | $641 | $53 |
| Geico | $658 | $55 |
| Auto Club of SoCal | $858 | $72 |
| Progressive | $890 | $74 |
| Mercury | $928 | $77 |
Cheapest car insurance in Texas for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $379 | $32 |
| Texas Farm Bureau | $442 | $37 |
| Geico | $579 | $48 |
| Allstate | $641 | $53 |
| Progressive | $698 | $58 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $443 | $37 |
| Geico | $667 | $56 |
| Allstate | $677 | $56 |
| Texas Farm Bureau | $754 | $63 |
| Progressive | $835 | $70 |
Cheapest car 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 minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $638 | $53 |
| State Farm | $704 | $59 |
| Geico | $751 | $63 |
| Allstate | $785 | $65 |
| Mercury | $896 | $75 |
Cheap auto insurance in Texas for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, 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.
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,268 | $106 |
| Geico | $1,323 | $110 |
| Progressive | $1,553 | $129 |
| State Farm | $1,584 | $132 |
| Auto Club of SoCal | $1,594 | $133 |
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $384 | $32 |
| Texas Farm Bureau | $417 | $35 |
| Progressive | $496 | $41 |
| Geico | $526 | $44 |
| Auto Club of SoCal | $540 | $45 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Allstate | $641 | $53 |
| Geico | $652 | $54 |
| Progressive | $802 | $67 |
| Auto Club of SoCal | $846 | $71 |
| Mercury | $849 | $71 |
Cheapest car insurance in Texas for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $384 | $32 |
| Texas Farm Bureau | $417 | $35 |
| Geico | $562 | $47 |
| Progressive | $638 | $53 |
| Allstate | $641 | $53 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $448 | $37 |
| Geico | $639 | $53 |
| Allstate | $677 | $56 |
| Texas Farm Bureau | $713 | $59 |
| Progressive | $768 | $64 |
Cheapest car insurance in Texas for 40-year-old drivers after a DUI
The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $579 | $48 |
| State Farm | $709 | $59 |
| Geico | $744 | $62 |
| Allstate | $785 | $65 |
| Mercury | $837 | $70 |
Cheap auto insurance in Texas for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. 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 best rate. Our list of cheap auto insurance companies is a good place to start.
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Geico | $1,186 | $99 |
| Texas Farm Bureau | $1,231 | $103 |
| Progressive | $1,415 | $118 |
| State Farm | $1,533 | $128 |
| Auto Club of SoCal | $1,557 | $130 |
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $376 | $31 |
| Texas Farm Bureau | $412 | $34 |
| Progressive | $459 | $38 |
| Geico | $477 | $40 |
| Auto Club of SoCal | $533 | $44 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Geico | $616 | $51 |
| Allstate | $641 | $53 |
| Progressive | $744 | $62 |
| Mercury | $819 | $68 |
| Auto Club of SoCal | $836 | $70 |
Cheapest car insurance in Texas for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $376 | $31 |
| Texas Farm Bureau | $412 | $34 |
| Geico | $514 | $43 |
| Progressive | $597 | $50 |
| Allstate | $641 | $53 |
Cheapest car 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 minimum coverage rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $441 | $37 |
| Geico | $584 | $49 |
| Allstate | $677 | $56 |
| Progressive | $734 | $61 |
| Texas Farm Bureau | $756 | $63 |
Cheapest car 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 minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $546 | $46 |
| Geico | $691 | $58 |
| State Farm | $702 | $59 |
| Allstate | $785 | $65 |
| National General | $846 | $71 |
Cheap auto insurance in Texas for 60-year-old drivers
Although 60-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 car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Cheapest full coverage car insurance in Texas for 60-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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,053 | $88 |
| Geico | $1,151 | $96 |
| Progressive | $1,371 | $114 |
| State Farm | $1,452 | $121 |
| Auto Club of SoCal | $1,484 | $124 |
Cheapest minimum coverage car insurance in Texas for 60-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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $358 | $30 |
| Texas Farm Bureau | $362 | $30 |
| Progressive | $462 | $39 |
| Geico | $477 | $40 |
| Mercury | $529 | $44 |
Cheapest car insurance in Texas for 60-year-olds with poor credit
Drivers with poor credit in Texas can look at the following companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Geico | $616 | $51 |
| Allstate | $641 | $53 |
| Mercury | $740 | $62 |
| Progressive | $748 | $62 |
| Texas Farm Bureau | $762 | $64 |
Cheapest car insurance in Texas for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $358 | $30 |
| Texas Farm Bureau | $362 | $30 |
| Geico | $519 | $43 |
| Progressive | $601 | $50 |
| Allstate | $641 | $53 |
Cheapest car insurance in Texas for 60-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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $422 | $35 |
| Geico | $584 | $49 |
| Texas Farm Bureau | $663 | $55 |
| Allstate | $677 | $56 |
| Progressive | $738 | $62 |
Cheapest car insurance in Texas for 60-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 minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $550 | $46 |
| State Farm | $683 | $57 |
| Geico | $691 | $58 |
| Allstate | $785 | $65 |
| Mercury | $797 | $66 |
Cheap auto insurance in Texas for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in Texas for 70-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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $1,034 | $86 |
| Geico | $1,227 | $102 |
| State Farm | $1,494 | $125 |
| Progressive | $1,511 | $126 |
| Auto Club of SoCal | $1,636 | $136 |
Cheapest minimum coverage car insurance in Texas for 70-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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $362 | $30 |
| State Farm | $383 | $32 |
| Progressive | $515 | $43 |
| Geico | $535 | $45 |
| Auto Club of SoCal | $631 | $53 |
Cheapest car insurance in Texas for 70-year-olds with poor credit
Drivers with poor credit in Texas can look at the following companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Allstate | $641 | $53 |
| Geico | $744 | $62 |
| Texas Farm Bureau | $762 | $64 |
| Progressive | $832 | $69 |
| Mercury | $938 | $78 |
Cheapest car insurance in Texas for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Texas, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Texas Farm Bureau | $362 | $30 |
| State Farm | $383 | $32 |
| Geico | $591 | $49 |
| Allstate | $641 | $53 |
| Progressive | $701 | $58 |
Cheapest car insurance in Texas for 70-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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $448 | $37 |
| Geico | $644 | $54 |
| Allstate | $677 | $56 |
| Texas Farm Bureau | $685 | $57 |
| Progressive | $864 | $72 |
Cheapest car insurance in Texas for 70-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 minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $629 | $52 |
| State Farm | $708 | $59 |
| Geico | $751 | $63 |
| Allstate | $785 | $65 |
| National General | $962 | $80 |
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 three auto insurance options for 63 of the 70 driver profiles we examined.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
How to get cheap auto insurance in Texas
Finding affordable car insurance in Texas can be tricky. Here are some simple ways to get a better deal:
Shop around. Car insurance companies regularly change their pricing models. That’s why NerdWallet recommends comparing car insurance quotes from multiple insurers at least once a year to get the best rate possible.
Ask about discounts. Many car insurance companies offer a suite of discounts to entice new customers. It may be worth checking with your insurer to see if there are any car insurance discounts you may be eligible for that you’re not currently getting.
Drop unnecessary coverage. You can lower your car insurance premiums by getting rid of optional coverage types you no longer need. For example, comprehensive and collision insurance cover repairs for damage to your vehicle in a variety of situations, up to the market value of your car. If you own an older car that’s not worth much, you can likely drop these coverage types.
Raise your deductible. A car insurance deductible is the amount of money you pay out of pocket before your car insurance kicks in. The higher your deductible, the lower your car insurance premium. Just make sure you have enough money stashed away to cover the higher amount.
Minimum car insurance requirements in Texas
With rare exceptions, 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 pet insurance in Texas
Risks of getting cheap auto insurance
Getting cheap car insurance usually means getting the barest coverage required by law in your state. But state requirements can be quite low and leave you financially vulnerable if you’re in a serious accident.
Getting the cheapest car insurance possible might also mean missing out on optional coverage types that can help cover your own injuries or property damage — for example, when you’re injured in an accident or if your car is banged up after a bad storm or a hit and run. To find cheap car insurance with more coverage, check out NerdWallet’s list of cheap full coverage insurance.
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.
