Top Texas Auto Insurance Providers [2024]
You can get cheap auto insurance in Texas if you maintain a clean driving record and good credit. The average cost of affordable auto insurance in Texas is $101 a month. But you can get cheaper rates at State Farm and GEICO. To get cheap car insurance in Texas, you’ll need to shop around and compare multiple insurance companies to get the best rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- According to the NAIC, Texas auto insurance rates are $101 on average
- Liability-only auto insurance is cheaper than full coverage
- State Farm has the cheapest auto insurance in Texas
- USAA auto insurance is perfect for military veterans
Are you looking for cheap car insurance in Texas? The average car insurance cost in Texas per month is $101. However, various factors determine whether affordable auto insurance in Texas is available to you.
But what is the best car insurance in Texas? And what factors correlate to cheap auto insurance in Texas? Don’t worry – we’ll answer your questions.
Our guide explains which factors can get you cheap auto insurance in Texas and which insurance companies are the cheapest.
Continue reading to learn how to buy cheap auto insurance in Texas. If you’re ready to compare multiple insurance companies right now, enter your ZIP code in the free comparison tool above.
Where can I find cheap auto insurance companies in Texas?
You can get affordable car insurance anywhere in Texas. It all depends on the company. Let’s look at the best auto insurance companies in Texas and see which has the cheapest rates.
Most Affordable Auto Insurance Companies in Texas
| Company Name | Average Monthly Rates |
|---|---|
| Travelers | $86 |
| Cal Casualty | $118 |
| USAA | $122 |
| Elephant | $122 |
| Esurance | $123 |
| Mercury | $124 |
| State Farm | $131 |
| Texas Farm Bureau | $140 |
| Allstate | $210 |
| Dairyland | $251 |
Travelers auto insurance is the most affordable company in Texas, but you could pay less based on your personal factors.
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How much is Texas auto insurance for good drivers?
According to the National Association of Insurance Commissioners (NAIC), Texas car insurance is about $101 a month. However, we’ve seen Texas car insurance rates as high as $118 per month.
If you can maintain a clean driving record, you can secure cheap Texas auto insurance quotes.
Here are a few examples of how you can secure cheap Texas auto insurance rates.
- Texas Auto Insurance Rates with No Traffic Tickets – $91/month
- Texas Auto Insurance Rates with No Accidents – $91/month
- Texas Auto Insurance Rates with Good Credit – $39/month
You can save hundreds of dollars per year if you maintain a clean driving record and good credit. But your rates could vary when you shop with car insurance companies in Texas.
Any tickets, accidents, or other traffic violations can have a negative effect on your car insurance rates in Texas.
Do young drivers have expensive auto insurance in Texas?
Yes, they do. Teens and young adults usually have higher than average car insurance rates. Drivers under 25 years old typically pay three times more than average.
Here’s a table that shows the estimates of a teen or young adult driver.
| Ages | Monthly Rates |
|---|---|
| 16 | $337 |
| 17 | $286 |
| 18 | $253 |
| 19 | $223 |
| 20s | $146 |
As drivers get older, they’ll pay significantly less for auto insurance per month.
If teens and young adults want to save money on car insurance, they should go under a parent or legal guardian’s insurance policy.
Can you get cheap auto insurance rates in Texas for other age groups?
Yes, you can. Let’s look at a list of estimates for drivers from 30 to 60.
- Texas Auto Insurance Rates for a 30-Year-Old Driver – $101/month
- Texas Auto Insurance Rates for a 40-Year-Old Driver – $100/month
- Texas Auto Insurance Rates for a 50-Year-Old Driver – $93/month
- Texas Auto Insurance Rates for a 60-Year-Old Driver – $89/month
Thirty-year-old drivers in Texas pay close to the NAIC average, but people over 39 pay slightly less than average.
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How much is liability auto insurance in Texas?
If you want to save money, you can buy low-income car insurance in Texas.
What’s low-income car insurance? New Jersey, California, or Hawaii have low-income insurance known as state-sponsored auto insurance.
Texas doesn’t have that, but drivers can choose liability-only coverage instead. Liability-only auto insurance produces the cheapest rates.
But how much is minimal coverage?
Let’s review the average monthly rates from the best companies in Texas.
Monthly Liability Auto Insurance Rates in Texas by Company
| Companies | Monthly Rates |
|---|---|
| State Farm | $38 |
| Geico | $50 |
| Dairyland | $65 |
| Chubb | $68 |
| Nationwide | $73 |
| USAA | $40 |
State Farm has the cheapest liability-only insurance coverage. If you’re in the military, you should get USAA auto insurance.
But USAA is only available to members of the U.S. Armed Forces and their immediate families.
What are the minimum auto insurance requirements in Texas?
The basic coverage requirements in Texas are 30/60/25. The 30/60/25 represents an abbreviation for dollar amounts that correlate to specific coverage incidents.
Here’s what 30/60/25 means:
- $30,000 for bodily injury of one person per accident
- $60,000 for bodily injury of multiple people per accident
- $25,000 for property damage per accident
This is minimum coverage in Texas, but some car insurance companies may suggest 50/100/50.
Which auto insurance company has the cheapest full coverage in Texas?
You’ve seen how you can get cheap auto insurance in Texas through liability coverage, but what about full coverage? Full coverage car insurance is a combination of coverages attached to liability insurance.
The most common coverage options under full coverage are collision and comprehensive insurance.
The NAIC says the average cost of full coverage in Texas is $101. But that rate varies when you shop with different companies.
Let’s see which auto insurance companies have affordable rates in Texas.
Monthly Full Coverage Auto Insurance Rates in Texas by Company
| Companies | Monthly Rates |
|---|---|
| State Farm | $91 |
| Geico | $121 |
| Chubb | $186 |
| Nationwide | $200 |
| Dairyland | $221 |
| USAA | $117 |
State Farm and Geico are the closest to the average rate. Meanwhile, other insurance companies in Texas have higher than average rates.
But don’t let that stop you from getting a quote from multiple insurance companies.
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What is the average auto insurance rate in each Texas city?
Cheap auto insurance quotes in Texas are also determined by where you live.
Let’s examine the average auto insurance rates for the top ten most populated cities in Texas.
- Houston, TX Auto Insurance Rate – $192/month
- San Antonio, TX Auto Insurance Rate – $170/month
- Dallas, TX Auto Insurance Rate – $188/month
- Austin, TX Auto Insurance Rate – $160/month
- Fort Worth, TX Auto Insurance Rate – $162/month
- El Paso, TX Auto Insurance Rate – $157/month
- Arlington, TX Auto Insurance Rate – $170/month
- Corpus Christi, TX Auto Insurance Rate – $165/month
- Plano, TX Auto Insurance Rate – $167/month
- Laredo, TX Auto Insurance Rate – $174/month
Rural areas usually have cheaper car insurance rates because they’re less populated and produce fewer claims. Urban Texas cities are likely to have more expensive rates.
Cheap Auto Insurance in Texas: The Bottom Line
Texas car insurance is about $11 more expensive than the national average ($90 a month). However, you can get cheap Texas insurance with the right company.
Also, you can secure affordable auto insurance in Texas if you have good credit and a clean driving record.
One speeding ticket won’t affect you as much. But multiple traffic violations can raise your auto insurance rates by hundreds of dollars.
Now that you know how cheap auto insurance in Texas is calculated, use our free online quote tool to compare multiple insurance companies near you.
Frequently Asked Questions
Which are the top auto insurance providers in Texas?
The top auto insurance providers in Texas may vary based on individual preferences and needs. However, some well-known and highly rated auto insurance companies in Texas include State Farm, GEICO, Progressive, Allstate, USAA, and Farmers Insurance.
How can I determine the best auto insurance provider for my needs?
To determine the best auto insurance provider for your needs, consider factors such as coverage options, pricing, customer service, financial stability, and available discounts. You can research and compare these factors by visiting the insurance company’s websites, reading customer reviews, consulting independent rating agencies, and seeking recommendations from friends and family.
Are these top auto insurance providers available throughout Texas?
Yes, most of the top auto insurance providers mentioned earlier—such as State Farm, GEICO, Progressive, Allstate, USAA, and Farmers Insurance—operate throughout Texas and provide coverage in various cities and regions of the state. However, it is always recommended to check with the specific insurance company to ensure availability in your location.
Are there any local or regional auto insurance providers in Texas?
Yes, Texas has several local and regional auto insurance providers that cater to specific areas within the state. Some examples include Texas Farm Bureau Insurance, Germania Insurance, and Texas Mutual Insurance Company. These companies often focus on serving specific communities or providing specialized coverage options.
How can I obtain quotes from these top auto insurance providers in Texas?
You can obtain quotes from the top auto insurance providers in Texas by visiting their websites or contacting them directly. Most insurance companies have online quote forms that allow you to provide your information and receive a personalized quote. Additionally, you can contact their customer service representatives via phone to discuss your insurance needs and obtain quotes.
Compare Insurance Providers Rates to Save Up to 75%
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.