This is how much it would cost for the same policy in Texas: $38 a month with the cheapest company and $73 if they were to pay that company. To save money, you should always compare quotes from different insurers.
If you want to find the best deal on a Texas car insurance policy, ValuePenguin looked at quotes from major companies in the state to find the best deals and cheapest rates, broken down by policy type, type of driver, and location. We also ranked the best car insurance companies in Texas.
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Cheapest Texas auto insurance companies for minimum coverage
The average monthly cost of car insurance in Texas is $56
It may not be worth it to get a cheap policy that doesn’t cover you very well after an accident.
Even though Texas policies have a limit of $60,000 per accident, that may not cover all of the costs of injuries in a big accident. These policies don’t cover damage to your car, which is covered by comprehensive and collision insurance, which is both part of full coverage policies.
Cheapest full coverage auto insurance: State Farm
There is no single definition of a full coverage policy, but the term usually refers to auto insurance that includes comprehensive and collision insurance. In Texas, the average annual cost of a full coverage policy is $1,872. The cheapest insurance companies for full coverage are the same as those for minimum liability: USAA, Geico, and State Farm.
- State Farm: This is the cheapest insurer overall. A full-coverage policy from State Farm costs an average of $1,094 per year.
- USAA: Full coverage policies with USAA cost an average of $1,403 per year, though you must qualify for membership.
- Geico: At $1,448 per year, Geico is still at least $789 per year cheaper than any other insurer but State Farm and USAA.
Full coverage policies can have huge variations in prices across insurers. For instance, Dairyland policies cost an average of $2,649 per year in Texas, nearly two and a half times as expensive as State Farm. The variation in prices means that when you look for quotes for a full coverage policy, you should compare multiple companies.
Cheapest Texas auto insurance companies for full coverage
|
Company
|
Annual rate
|
Monthly rate
|
|---|---|---|
| State Farm | $1,094 | $91 |
| Geico | $1,448 | $121 |
| Chubb | $2,237 | $186 |
| Nationwide | $2,400 | $200 |
| Dairyland | $2,649 | $221 |
| USAA* | $1,403 | $117 |
*USAA is only available to current and former military members and their families.
Cheapest auto insurance after a speeding ticket: State Farm
A speeding ticket on your driving record may also impact your car insurance rates, though generally not as much as an at-fault accident. Our analysis found that average auto insurance rates in Texas go up by 93% for a driver with a single speeding ticket on their record.
State Farm and Chubb, however, may charge the same rates both before and after a speeding ticket. We recommend Texan drivers who received a speeding ticket consider a policy from either Geico or State Farm. These companies offer affordable full coverage policies, each at least $399 cheaper than average.
Cheapest Texas auto insurance companies for full coverage after a speeding ticket
|
Company
|
Annual rate
|
Monthly rate
|
|---|---|---|
| State Farm | $1,094 | $91 |
| Geico | $1,717 | $143 |
| Chubb | $2,237 | $186 |
| Nationwide | $2,914 | $243 |
| Dairyland | $3,148 | $262 |
| USAA* | $1,585 | $132 |
*USAA is only available to current and former military members and their families.
Cheapest auto insurance after an at-fault accident: State Farm
One of the most important factors affecting car insurance rates is your driving history. If you’re at fault for an accident in Texas, insurers will raise your rates for full coverage by an average of 149%. After raising rates, the cheapest companies remained the same: State Farm, Geico and USAA.
Cheapest Texas auto insurance companies after an accident
|
Company
|
Annual rate
|
Monthly rate
|
|---|---|---|
| State Farm | $1,294 | $108 |
| Geico | $2,214 | $185 |
| Chubb | $3,408 | $284 |
| Dairyland | $3,519 | $293 |
| Nationwide | $3,768 | $314 |
| USAA* | $2,115 | $176 |
*USAA is only available to current and former military members and their families.
Drivers who were recently involved in an accident should check out State Farm, as the change in rates is relatively minor ($200).
Cheapest auto insurance after a DUI: State Farm
Texans who receive a citation for driving under the influence (DUI) may find that their rates increase by 185%, from $1,872 before a citation to $3,114 after an accident. State Farm, Geico and USAA remain the most affordable insurers for drivers, offering rates that are 36%, 16% and 32% cheaper than the state average, respectively.
Cheapest Texas auto insurance companies for full coverage after a DUI
|
Company
|
Annual rate
|
Monthly rate
|
|---|---|---|
| State Farm | $2,001 | $167 |
| Geico | $2,607 | $217 |
| Dairyland | $2,663 | $222 |
| Chubb | $4,459 | $372 |
| Nationwide | $4,839 | $403 |
| USAA* | $2,115 | $176 |
*USAA is only available to current and former military members and their families.
Dairyland stands out from other insurers for its minimal rate increase after a DUI. The annual premium from Dairyland is only $14 more expensive for drivers with a DUI. The cheapest insurers overall, however, are State Farm, Geico and USAA, in keeping with the state trend.
Cheapest auto insurance for drivers with poor credit: State Farm
Insurance companies set rates based on the perceived risk a driver poses, and many regard drivers with a low credit score as more likely to file a claim than drivers with fair, good or excellent credit. State Farm is the cheapest option for drivers with poor credit, with an average rate of $2,034 per year for full coverage.
Cheapest Texas auto insurance companies for drivers with poor credit
|
Company
|
Annual rate
|
Monthly rate
|
|---|---|---|
| State Farm | $2,034 | $169 |
| Nationwide | $2,996 | $250 |
| Geico | $3,022 | $252 |
| Dairyland | $3,301 | $275 |
| Chubb | $3,408 | $284 |
| USAA* | $2,122 | $177 |
*USAA is only available to current and former military members and their families.
State Farm’s affordable rates make it the best option for drivers with a low credit score in Texas.
Cheapest car insurance for young drivers in Texas
Drivers in their teens are more likely to get into accidents than adult drivers, making insurers see them as riskier to insure. Average minimum coverage premiums for an 18-year-old Texan driver are 221% higher than premiums for a 30-year-old driver.
ValuePenguin recommends that teen drivers get full coverage insurance if at all possible. The difference in cost is significant; the average annual premium for minimum coverage is just $2,136, compared to $5,099 for full coverage. However, having collision and comprehensive coverage is particularly helpful for teens, who are statistically more likely to get into an accident and need to pay for repairs to their car.
Cheapest Texas auto insurance companies for young drivers
Geico offers Texan teens the best rates for minimum coverage. An annual policy costs $1,329, which is $807 cheaper than the state average. The best rates for full coverage also come from Geico, which charges teen drivers $3,082 annually.
|
Company
|
Liability only
|
Full coverage
|
|---|---|---|
| Geico | $1,329 | $3,082 |
| State Farm | $1,533 | $3,246 |
| Chubb | $2,580 | $5,771 |
| Dairyland | $2,638 | $6,722 |
| Nationwide | $3,762 | $9,248 |
| USAA* | $976 | $2,526 |
*USAA is only available to current and former military members and their families.
The average cost of car insurance in Texas, by city
Veribest is the cheapest city in Texas for car insurance, with an average rate of $1,500 per year for a full coverage policy. Aldine is the most expensive city at $2,458 per year.
How much do people pay on average for car insurance in the state of Texas? For a minimum coverage policy, it’s $666 per year, according to our data. And those looking for a full coverage policy will pay $1,872 per year on average.
But those numbers are the averages for the state as a whole. Across the state, average rates can vary by $958 per year for full coverage.