In a Nutshell
If you’re looking for the cheapest car insurance in Texas, we can help. Your car insurance premium will vary depending on your credit, age, driving history and vehicle — but we’ve compared rates across the state on minimal coverage to find some of the lowest-cost insurers for various needs.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
There’s a lot to see in Texas, from El Paso to Houston and everywhere in between. But just because the Lone Star State does everything bigger doesn’t mean you need to pay more for car insurance.
We’ve compared rates on basic coverage to find the average cost of insurance and the lowest-cost insurers in Texas.
Our calculations use a driver profile with no accidents, tickets or claims to accurately compare insurers’ rates (see our full methodology). Your rates could be higher or lower based on several factors that affect car insurance rates, including your age, vehicle type, mileage, coverage options and driving history.
Read on to learn about Texas’ average car insurance rates and our findings for the cheapest options for basic auto coverage.
- Cheap car insurance in Texas
- 5 cheapest car insurance companies in Texas
- Cheapest state-minimum car insurance in Texas
- Cheapest car insurance for good credit in Texas
- Cheapest car insurance for poor credit in Texas
- Cheapest car insurance for drivers with multiple claims in Texas
- Cheapest car insurance for young drivers in Texas
- Texas auto insurance requirements
- Is usage-based insurance available in Texas?
- FAQs about the cheapest car insurance rates in Texas
- Methodology
Cheap car insurance in Texas
Average monthly premiums for basic car insurance in Texas range from about $60 per month to just under $150 per month, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Texas
| Driver or coverage | Avg. monthly cost |
|---|---|
| State-minimum car insurance in Texas | $60.87 |
| Drivers with poor credit in Texas | $109.58 |
| Drivers with multiple claims in Texas | $149.93 |
| Young drivers in Texas | $114.81 |
5 cheapest car insurance companies in Texas
Unless otherwise noted, we’ve calculated those rates based on a specific Texas driver profile (see our full methodology) to assess insurers evenly and get the most accurate picture of the cost for an average driver.
Our Texas driver has a credit score between 680 and 719, is between 36 and 45 years old, has no tickets or coverage gaps and drives a car worth $20,000 to $30,000. If that’s not you, don’t worry. You’ll also see how rates could be affected by your coverage options, age, credit history and claims history.
1. Geico
Geico offers a wide range of coverage options and many opportunities to save money for safe driving habits, safety equipment and customer loyalty. Its mobile app allows users to manage their policies, pay bills, request roadside assistance and more. Read reviews of Geico to learn more.
2. Redpoint County Mutual
Redpoint County Mutual, formerly Safeway County Mutual, focuses on insuring Texas drivers who may be considered high-risk due to their driving record or insurance history. Redpoint County Mutual offers insurance through a network of independent managing general agencies, and you’ll need to call or email the company for coverage options.
3. State Farm
State Farm is one of the largest auto insurers in the U.S., with thousands of local agents nationwide. In addition to standard auto insurance coverages like liability, comprehensive and collision, State Farm offers optional coverages, such as emergency roadside service and rideshare insurance. State Farm offers numerous discounts, including discounts for safe driving and bundling. Read reviews of State Farm to learn more.
4. Texas Farm Bureau Group
Texas Farm Bureau Group sells insurance through independent agents and is headquartered in Waco, Texas. The company offers car insurance products to help protect you and your car and has various ways to save, including good student, multi-policy and vehicle safety discounts.
5. USAA
USAA is available to military members and their families. USAA auto insurance is available nationwide with various discount opportunities, including unique savings for deployed military members. The USAA app allows members to manage their policy from their mobile devices. USAA offers standard and optional coverage options. Read reviews of USAA to learn more.
Cheapest state-minimum car insurance in Texas
State-minimum car insurance is usually the least expensive coverage you can buy. If you’re looking for the basic coverage necessary to drive legally, state-minimum insurance could be your best option.
Here are the five companies with the lowest estimated rates for drivers looking for state-minimum coverage only.
5 cheapest car insurance companies in Texas for state-minimum coverage
| 1 | Geico | $42.51/month |
| 2 | Redpoint County Mutual | $47.17/month |
| 3 | State Farm | $49.64/month |
| 4 | Texas Farm Bureau Group | $50.67/month |
| 5 | USAA | $53.80/month |
Cheapest car insurance for good credit in Texas
There are many factors that can be used to determine your auto insurance score, and the cost of your monthly insurance premium, including your credit. Typically, the better your credit, the lower you can expect your premium to be.
The following companies offer some of the cheapest car insurance on basic coverage in Texas for drivers who have good credit.
5 cheapest car insurance companies in Texas for those with good credit
| 1 | Geico | $32.81/month |
| 2 | State Farm | $33.81/month |
| 3 | Texas Farm Bureau Group | $37.35/month |
| 4 | Metropolitan | $42.03/month |
| 5 | Germania Mutual Group | $43.49/month |
Cheapest car insurance for poor credit in Texas
Texas drivers with less-than-perfect credit can still get excellent car insurance rates. In this case, we found that the local Texas insurers can offer better rates for Texas drivers with poor credit than national companies.
Here are the five cheapest car insurance companies in Texas for basic coverage for drivers with poor credit.
5 cheapest car insurance companies in Texas for those with poor credit
| 1 | Redpoint County Mutual | $47.17/month |
| 2 | Geico | $63.19/month |
| 3 | Mercury | $73.79/month |
| 4 | Auto Club | $85.29/month |
| 5 | Texas Farm Bureau Group | $88.39/month |
Cheapest car insurance for drivers with multiple claims in Texas
Like your credit, your claims history also plays a role in determining the cost of your car insurance. In general, if you have many prior claims in your loss history report, your premium might be higher than someone with just a few or no claims.
5 cheapest car insurance companies in Texas for multiple claims
| 1 | Redpoint County Mutual | $47.17/month |
| 2 | Germania Mutual Group | $58.46/month |
| 3 | State Farm | $75.47/month |
| 4 | Geico | $77.73/month |
| 5 | Texas Farm Bureau Group | $102.08/month |
Cheapest car insurance for young drivers in Texas
Younger drivers are often considered riskier to insure, so their insurance premiums may be higher than older drivers with more-established driving histories. If that’s you, don’t stress — your rate could decrease as you age and develop a history of safe driving. In the meantime, you may be able to save with companies that offer discounts for students.
5 cheapest car insurance companies in Texas for young drivers
| 1 | Redpoint County Mutual | $47.17/month |
| 2 | Geico | $66.35/month |
| 3 | Texas Farm Bureau Group | $79.39/month |
| 4 | USAA | $93.03/month |
| 5 | State Farm | $97.72/month |
Texas auto insurance requirements
Texas requires 30/60/25 auto insurance coverage, which means drivers must have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident and $25,000 of insurance for property damage.
Is usage-based insurance available in Texas?
Texas drivers can use usage-based insurance to save money on their car insurance for driving safely. With UBI, also called telematics, drivers track their driving habits via a mobile device or other apps to become eligible for discounts.
FAQs about the cheapest car insurance rates in Texas
The best car insurance in Texas depends on your specific situation, including how much insurance you need, your age, your vehicle and other factors.
Average monthly premiums for basic car insurance in Texas range from about $60 per month to nearly $150 for our standard driver profile. Premiums vary depending on the type of coverage and specifics of the driver’s profile. Many factors determine the cost of car insurance, so your rates could be different.
Methodology
This article’s estimated rates are the lowest based on the profile of a driver age 36 to 45 living in Texas. The rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on a range of factors, such as your age, vehicle driving habits and history.
Average monthly premium for full-coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. Average monthly premium for state-minimum car insurance includes Texas-mandated 30/60/25 coverage.