Key Takeaways: The Cheapest Car Insurance in Texas

  • Texas Farm Bureau has the overall cheapest car insurance in Texas across a variety of driving records, based on the companies in our analysis.
  • Texas Farm Bureau and State Farm have the overall cheapest car insurance in Texas for good drivers, based on the companies in our analysis.
  • Texas ranks 13th in our analysis of “The Riskiest States To Drive In,” due in part to having the second highest number of drunk drivers involved in fatal car accidents (16.81 per 100,000 licensed drivers) and the seventh highest number of car thefts (428.47 per 100,000 vehicles).
  • Texas also has the sixth highest average car insurance premium ($2,609 annually), further reflecting its risky driving environment.

    • The Cheapest Car Insurance Companies in Texas for Good Drivers

    Cheapest for . . . Company Average monthly cost in Texas Learn More
    $128

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    Texas Farm Bureau
    $88

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    Texas Farm Bureau
    $85

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    Texas Farm Bureau
    $82

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    Texas Farm Bureau
    $70

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    Texas Farm Bureau
    $69

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    80-year-olds
    Texas Farm Bureau
    $83

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    Average rates are based coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
    Source: Quadrant Information Services.
    *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

     

    Cheap Car Insurance for 20-Year-Olds in Texas

    Young drivers in Texas can face very high insurance rates, especially if the teen isn’t on a parent’s auto insurance policy. In Texas, these companies had the cheapest car insurance according to our evaluation.

    Cheapest Full Coverage Car Insurance for 20-Year-Olds in Texas

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Texas Farm Bureau: $128 a month
    2. State Farm: $254 a month
    3. Geico: $297 a month
    4. Germania Mutual: $321 a month
    5. Auto Club: $358 a month

    Cheapest Minimum Coverage for 20-Year-Olds in Texas

    If you’re looking for only the minimum auto insurance in Texas, check rates from these companies.

    1. Texas Farm Bureau: $48 a month
    2. Redpoint County Mutual: $63 a month
    3. State Farm: $76 a month
    4. Geico: $105 a month
    5. Mercury: $106 a month

    Cheapest Auto Insurance for 20-Year-Olds in Texas With Poor Credit

    Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

    1. Texas Farm Bureau: $291 a month
    2. National General: $463 a month
    3. Auto Club: $557 a month
    4. Germania Mutual: $582 a month
    5. Mercury: $599 a month

    Cheapest Auto Insurance for 20-Year-Olds in Texas With a Speeding Ticket

    Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Texas for drivers with a speeding ticket.

    1. Texas Farm Bureau: $128 a month
    2. State Farm: $254 a month
    3. Germania Mutual: $321 a month
    4. Geico: $332 a month
    5. Mercury: $490 a month

    Cheapest Car Insurance in Texas for 20-Year-Olds With an At-Fault Accident

    Below are the cheapest companies we found for Texas drivers who caused an accident that injured someone else.

    1. Texas Farm Bureau: $188 a month
    2. State Farm: $285 a month
    3. Germania Mutual: $379 a month
    4. Geico: $422 a month
    5. Mercury: $534 a month

    Cheapest Auto Insurance for 20-Year-Olds in Texas After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Texas who have a DUI conviction.

    1. Texas Farm Bureau: $248 a month
    2. State Farm: $341 a month
    3. Mercury: $468 a month
    4. Geico: $492 a month
    5. National General: $514 a month

    Cheap Car Insurance for 30-Year-Olds in Texas

    Drivers age 30 in Texas can find very high insurance rates depending on their driving record. Here’s a look at the best companies for a variety of common driving records.

    Cheapest Full Coverage Car Insurance for 30-Year-Olds in Texas

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Texas Farm Bureau: $88 a month
    2. State Farm: $147 a month
    3. Geico: $188 a month
    4. Auto Club: $191 a month
    5. National General: $195 a month

    Cheapest Minimum Coverage for 30-Year-Olds in Texas

    If you’re looking for only the required auto insurance in Texas, check quotes from these companies.

    1. Texas Farm Bureau: $30 a month
    2. State Farm: $37 a month
    3. Mercury: $46 a month
    4. Republic Indemnity: $55 a month
    5. Auto Club: $62 a month

    Cheapest Auto Insurance for 30-Year-Olds in Texas With Poor Credit

    Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

    1. Texas Farm Bureau: $198 a month
    2. Auto Club: $297 a month
    3. Mercury: $318 a month
    4. National General: $344 a month
    5. Germania Mutual: $368 a month

    Cheapest Auto Insurance for 30-Year-Olds in Texas With a Speeding Ticket

    Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Texas for drivers with a speeding ticket.

    1. Texas Farm Bureau: $88 a month
    2. State Farm: $147 a month
    3. Germania Mutual: $203 a month
    4. Geico: $226 a month
    5. National General: $255 a month

    Cheapest Car Insurance in Texas for 30-Year-Olds With an At-Fault Accident

    Below are the cheapest companies we found for Texas drivers who caused an accident that injured someone else.

    1. Texas Farm Bureau: $137 a month
    2. State Farm: $169 a month
    3. Germania Mutual: $260 a month
    4. Geico: $302 a month
    5. Auto Club: $304 a month

    Cheapest Auto Insurance for 30-Year-Olds in Texas After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Texas who have a DUI conviction.

    1. Texas Farm Bureau: $168 a month
    2. State Farm: $225 a month
    3. National General: $226 a month
    4. Mercury: $263 a month
    5. Auto Club: $306 a month

    Cheap Car Insurance for 40-Year-Olds in Texas

    Texas drivers age 40 can typically save substantial money by comparing quotes from multiple insurers. We looked at which companies offer the cheapest rates in Texas, depending on your driving record.

    Cheapest Full Coverage Car Insurance for 40-Year-Olds in Texas

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Texas Farm Bureau: $85 a month
    2. State Farm: $143 a month
    3. Auto Club: $185 a month
    4. Geico: $187 a month
    5. National General: $189 a month

    Cheapest Minimum Coverage for 40-Year-Olds in Texas

    If you’re looking for only the required auto insurance in Texas, check rates from these companies.

    1. Texas Farm Bureau: $29 a month
    2. State Farm: $37 a month
    3. Mercury: $45 a month
    4. Republic Indemnity: $54 a month
    5. Auto Club: $61 a month

    Cheapest Auto Insurance for 40-Year-Olds in Texas With Poor Credit

    Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

    1. Texas Farm Bureau: $192 a month
    2. Auto Club: $288 a month
    3. Mercury: $304 a month
    4. National General: $333 a month
    5. Safe Auto: $347 a month

    Cheapest Auto Insurance for 40-Year-Olds in Texas With a Speeding Ticket

    Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Texas for drivers with a speeding ticket.

    1. Texas Farm Bureau: $85 a month
    2. State Farm: $143 a month
    3. Germania Mutual: $192 a month
    4. Geico: $224 a month
    5. National General: $247 a month

    Cheapest Car Insurance in Texas for 40-Year-Olds With an At-Fault Accident

    Below are the cheapest options we found for Texas drivers who caused an accident that injured someone else.

    1. Texas Farm Bureau: $133 a month
    2. State Farm: $165 a month
    3. Germania Mutual: $249 a month
    4. Auto Club: $295 a month
    5. Geico: $297 a month

    Cheapest Auto Insurance for 40-Year-Olds in Texas After a DUI

    Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Texas who have a DUI conviction.

    1. Texas Farm Bureau: $159 a month
    2. National General: $219 a month
    3. State Farm: $221 a month
    4. Mercury: $253 a month
    5. Auto Club: $296 a month

    Cheap Car Insurance for 50-Year-Olds in Texas

    Texas drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a spotty driving record can make cheap car insurance harder to find.

    Cheapest Full Coverage Car Insurance for 50-Year-Olds in Texas

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Texas Farm Bureau: $82 a month
    2. State Farm: $138 a month
    3. Mercury: $171 a month
    4. Germania Mutual: $174 a month
    5. Geico: $180 a month

    Cheapest Minimum Coverage for 50-Year-Olds in Texas

    If you’re looking for only the minimum auto insurance in Texas, check rates from these companies.

    1. Texas Farm Bureau: $28 a month
    2. State Farm: $36 a month
    3. Mercury: $40 a month
    4. Republic Indemnity: $49 a month
    5. National General: $58 a month

    Cheapest Auto Insurance for 50-Year-Olds in Texas With Poor Credit

    Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

    1. Texas Farm Bureau: $186 a month
    2. Mercury: $266 a month
    3. Auto Club: $281 a month
    4. Safe Auto: $300 a month
    5. National General: $308 a month

    Cheapest Auto Insurance for 50-Year-Olds in Texas With a Speeding Ticket

    Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Texas for drivers with a speeding ticket.

    1. Texas Farm Bureau: $82 a month
    2. State Farm: $138 a month
    3. Germania Mutual: $174 a month
    4. Geico: $219 a month
    5. National General: $227 a month

    Cheapest Car Insurance in Texas for 50-Year-Olds With an At-Fault Accident

    Below are the cheapest companies we found for Texas drivers who caused an accident that injured someone else.

    1. Texas Farm Bureau: $133 a month
    2. State Farm: $160 a month
    3. Germania Mutual: $231 a month
    4. Geico: $283 a month
    5. Auto Club: $288 a month

    Cheapest Auto Insurance for 50-Year-Olds in Texas After a DUI

    Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Texas who have a DUI conviction.

    1. Texas Farm Bureau: $155 a month
    2. National General: $215 a month
    3. State Farm: $216 a month
    4. Mercury: $231 a month
    5. Auto Club: $290 a month

     

    Cheap Car Insurance for 60-Year-Olds in Texas

    Auto insurance rates often begin to increase around age 65, even if you have a great driving record. We found the cheapest insurers for Texas drivers at age 60.

    Cheapest Full Coverage Car Insurance for 60-Year-Olds in Texas

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Texas Farm Bureau: $70 a month
    2. State Farm: $129 a month
    3. Mercury: $159 a month
    4. National General: $163 a month
    5. Germania Mutual: $170 a month

    Cheapest Minimum Coverage for 60-Year-Olds in Texas

    If you’re looking for only the required auto insurance in Texas, check rates from these companies.

    1. Texas Farm Bureau: $25 a month
    2. State Farm: $34 a month
    3. Mercury: $37 a month
    4. Republic Indemnity: $49 a month
    5. National General: $55 a month

    Cheapest Auto Insurance for 60-Year-Olds in Texas With Poor Credit

    Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

    1. Texas Farm Bureau: $158 a month
    2. Mercury: $248 a month
    3. Auto Club: $268 a month
    4. National General: $273 a month
    5. Safe Auto: $288 a month

    Cheapest Auto Insurance for 60-Year-Olds in Texas With a Speeding Ticket

    Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Texas for drivers with a speeding ticket.

    1. Texas Farm Bureau: $70 a month
    2. State Farm: $130 a month
    3. Germania Mutual: $170 a month
    4. National General: $202 a month
    5. Geico: $212 a month

    Cheapest Car Insurance in Texas for 60-Year-Olds With an At-Fault Accident

    Below are the cheapest insurers we found for Texas drivers who caused an accident that injured someone else.

    1. Texas Farm Bureau: $114 a month
    2. State Farm: $151 a month
    3. Germania Mutual: $228 a month
    4. Geico: $274 a month
    5. Auto Club: $276 a month

    Cheapest Auto Insurance for 60-Year-Olds in Texas After a DUI

    Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Texas who have a DUI conviction.

    1. Texas Farm Bureau: $133 a month
    2. National General: $194 a month
    3. State Farm: $207 a month
    4. Mercury: $220 a month
    5. Auto Club: $277 a month

    Cheap Car Insurance for 70-Year-Olds in Texas

    Texas drivers age 70 are facing higher rates due to age. But relatively cheap auto insurance can still be found by comparing quotes from a few companies.

    Cheapest Full Coverage Car Insurance for 70-Year-Olds in Texas

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Texas Farm Bureau: $69 a month
    2. State Farm: $133 a month
    3. Mercury: $177 a month
    4. Geico: $179 a month
    5. Auto Club: $190 a month

    Cheapest Minimum Coverage for 70-Year-Olds in Texas

    If you’re looking for only the required auto insurance in Texas, check prices from these companies.

    1. Texas Farm Bureau: $25 a month
    2. State Farm: $37 a month
    3. Mercury: $46 a month
    4. Republic Indemnity: $55 a month
    5. Redpoint County Mutual: $63 a month

    Cheapest Auto Insurance for 70-Year-Olds in Texas With Poor Credit

    Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

    1. Texas Farm Bureau: $155 a month
    2. Mercury: $273 a month
    3. Auto Club: $296 a month
    4. National General: $296 a month
    5. Germania Mutual: $354 a month

    Cheapest Auto Insurance for 70-Year-Olds in Texas With a Speeding Ticket

    Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Texas for drivers with a speeding ticket.

    1. Texas Farm Bureau: $69 a month
    2. State Farm: $133 a month
    3. Germania Mutual: $196 a month
    4. National General: $220 a month
    5. Geico: $220 a month

    Cheapest Car Insurance in Texas for 70-Year-Olds With an At-Fault Accident

    Below are the cheapest companies we found for Texas drivers who caused an accident that injured someone else.

    1. Texas Farm Bureau: $117 a month
    2. State Farm: $155 a month
    3. Germania Mutual: $267 a month
    4. Geico: $292 a month
    5. Auto Club: $308 a month

    Cheapest Auto Insurance for 70-Year-Olds in Texas After a DUI

    Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Texas who have a DUI conviction.

    1. Texas Farm Bureau: $132 a month
    2. State Farm: $211 a month
    3. National General: $229 a month
    4. Mercury: $251 a month
    5. Auto Club: $308 a month

    Cheapest Car Insurance In Houston, Texas

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    Buy Cheap Car Insurance in Texas

    When it comes to finding low-cost car insurance in Texas, a few strategic moves can make a lot of difference. The best car insurance options for you will combine a competitive cost with the coverage features you want.

    Compare Quotes from Multiple Car Insurance Companies

    Your quest for the best deal begins with comparison shopping. Our analysis has found that drivers who compare car insurance quotes can sometimes save hundreds a year. Even if your driving history is not great, evaluating multiple companies will often unearth the best options.

    Consider Switching Companies When Your Driving Record Changes

    When your driving record changes, you might discover that your Texas car insurance company no longer has cheap insurance for you. If you’ve gotten a ticket or caused an auto accident, you may want to switch car insurance companies to lower your car insurance bill.

    Regularly Review Your Auto Insurance Policy

    It’s easy to shove your auto policy in a drawer and forget about it. But if you haven’t reviewed your policy in a long time, it may be a good time to assess your coverage details. Look for coverage you no longer want, and how much you could save by cutting it. If you’re not sure what the coverage types are that you have, contact your agent to explain.

    Rethink Your Deductible

    If you have collision and comprehensive insurance, you have a car insurance deductible. The deductible you choose affects your premiums and potential out-of-pocket expenses if your vehicle is damaged or stolen. Think about raising the deductible to save money. Note that a larger deductible will mean you pay a larger portion of car repair costs if you make a claim.

    Ask About Car Insurance Discounts

    Many car insurance discounts are applied to your policy automatically, but there may be other car insurance discounts your insurance company doesn’t know you’re eligible for. Ask your insurance company for a review of possible discounts. For example, if you are working from home or retired and are driving fewer annual miles, you may be eligible for a lower car insurance rate.

    Capture Savings by Bundling

    Maximize your savings by bundling car insurance with other policies from the same insurer. Whether it’s Texas auto and homeowners insurance or car insurance paired with condo or renters insurance, bundling can lead to a significant cost reduction, often averaging around 14%, based on our analysis.

    Get Savings for Your Insurance Payment Strategy

    The way you pay for car insurance payment could lead to additional discounts. These are typically small discounts but they are easy to get. For example, paying for your entire car insurance term upfront typically garners a price cut. If you’re paying in monthly installments, your insurer might have a small discount for EFT payments. Paperless billing could be another potential discount, depending on your insurer.

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