Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 8, 2022

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The Lowdown

  • 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 NameAverage 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
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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.

AgesMonthly Rates
16$337
17$286
18$253
19$223
20s$146
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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
CompaniesMonthly Rates
State Farm$38
GEICO$50
Dairyland$65
Chubb$68
Nationwide$73
USAA$40
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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
CompaniesMonthly Rates
State Farm$91
GEICO$121
Chubb$186
Nationwide$200
Dairyland$221
USAA$117
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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: Cheap Auto Insurance in Texas

Do you have more questions about cheap car insurance in Texas? Check out these answers to frequently asked questions to learn more.

#1 – Is GEICO cheap in Texas?

Yes, it is. GEICO is one of the cheapest auto insurance companies in Texas.

#2 Is PIP required in Texas?

PIP (or personal injury protection) is mandatory in Texas, but drivers can decline to add it.

#3 – Can I drive a car without auto insurance in Texas?

No, you can’t. Uninsured drivers are penalized with fines and even jail time.