Cheapest Car Insurance in Texas

Full coverage refers to a policy that goes beyond the minimum state requirements. Because full coverage protects you in more situations, it costs more than minimum coverage.

Insurance Company	Monthly Rate
State Farm	$112 per month
Texas Farm Bureau	$127 per month
GEICO	$151 per month
Germania	$154 per month
Nationwide	$165 per month

Insurance Company	Monthly Rate
State Farm	$33 per month
Texas Farm Bureau	$40 per month
GEICO	$46 per month
Mercury	$47 per month
Germania	$51 per month

 

Insurance Company	Monthly Rate
Texas Farm Bureau	$74 per month
GEICO	$84 per month
State Farm	$87 per month
Germania	$123 per month
Encompass	$145 per month

Insurance Company	Monthly Rate
State Farm	$31 per month
Texas Farm Bureau	$34 per month
Germania	$46 per month
Mercury	$47 per month
GEICO	$47 per month

After a speeding ticket, most drivers will see their insurance rates go up for 3-5 years. But each insurance company calculates rates differently, so you should always get multiple quotes to make sure you get the best deal.  

Insurance Company	Monthly Rate
State Farm	$33 per month
Texas Farm Bureau	$40 per month
Germania	$51 per month
GEICO	$52 per month
National General	$59 per month

 

Insurance Company	Monthly Rate
State Farm	$42 per month
GEICO	$63 per month
Texas Farm Bureau	$68 per month
Germania	$72 per month
Chubb	$82 per month

 

Insurance Company	Monthly Rate
National General	$60 per month
State Farm	$61 per month
Mercury	$70 per month
Esurance	$72 per month
Progressive	$74 per month

 

Cheapest for Drivers with Poor Credit: Mercury

A low credit score often flags drivers as higher risk, so insurers will usually charge them more for coverage. However, since insurers use different formulas to calculate premiums, poor credit might affect your rates more with one company than another. Because each insurance company treats credit differently, it pays to compare quotes.  

Cheapest for Married Drivers: Texas Farm Bureau

Married drivers typically enjoy cheaper car insurance rates than drivers who are single. Auto insurance companies generally view drivers who are married as more responsible and less of a risk to insure. To help married drivers further reduce their insurance costs, WalletHub compared major insurance companies’ rates for a 45-year-old, married man with minimum coverage, a clean driving record, and good credit.

Cheapest Car Insurance in Texas by City

 

City	Premium	Increase vs. Cheapest City
Waco	$1,397	0.00%
Lubbock	$1,455	4.20%
Odessa	$1,457	4.30%
El Paso	$1,472	5.40%
Amarillo	$1,521	8.90%
Round Rock	$1,542	10.40%
Corinth	$1,625	16.30%
Tyler	$1,647	17.90%
Fort Worth	$1,661	18.90%
McKinney	$1,681	20.30%
Austin	$1,717	22.90%
Laredo	$1,721	23.20%
Plano	$1,733	24.10%
Arlington	$1,765	26.30%
San Antonio	$1,801	28.90%
Corpus Christi	$1,827	30.80%
Sugar Land	$1,835	31.40%
Irving	$1,841	31.80%
Grand Prairie	$1,843	31.90%
Beaumont	$1,850	32.40%
Mesquite	$1,879	34.50%
Brownsville	$1,888	35.10%
Garland	$1,934	38.40%
Mission	$1,934	38.40%
Spring	$1,952	39.70%
Dallas	$2,003	43.40%
Katy	$2,004	43.50%
Pasadena	$2,016	44.30%
Edinburg	$2,072	48.30%
Houston	$2,128	52.30%

The table above reflects the average annual cost of car insurance in Texas’s largest cities and towns.
 

Factors That Affect Car Insurance Premiums in Texas

 

Recap: Cheapest Auto Insurance Companies in Texas

The cheapest car insurance in Texas is from Texas Farm Bureau, which charges an average of $70 per month for state-minimum coverage. In addition to being the cheapest auto insurer for Texans overall, it is the cheapest option for a number of specific categories, such as good drivers and drivers with poor credit.

For your convenience, we’ve summarized the cheapest companies overall below.
 

Cheapest Car Insurance in Texas

• Texas Farm Bureau: $70 per month
• State Farm: $73 per month
• GEICO: $86 per month
• Germania: $102 per month
• Nationwide: $133 per month

How to Get Cheaper Car Insurance in Texas

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Texas, regional insurers like Texas Farm Bureau might have lower rates than national companies like Allstate, GEICO, and State Farm and have comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in Texas

Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Texas, companies can also consider your age, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.
 

3. Choose the coverage that is right for you

You need liability insurance to pay for the other driver’s damages if you’re at fault in an accident in Texas. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based insurance might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too. Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
 

4. Search for discounts

Top car insurance companies in Texas have a variety of discounts, so almost anyone can find ways to save. You may be able to get a discount if you’re a student, veteran, good driver, homeowner, willing to go paperless, and more.
 

5. Stay in less expensive ZIP codes

Car insurance prices can vary a lot based on ZIP code in Texas. On average, drivers in the most expensive parts of Texas spend over $900 more per year on car insurance than those living in the least expensive areas.
 

6. Work on your credit score

In Texas, drivers with no credit pay 92% more than drivers with excellent credit, on average. If you have poor or no credit in Texas, improving your credit score could potentially save you a lot of money on car insurance. You can check your credit score for free on WalletHub if you’re not sure what it is.
 

7. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even if you don’t own a car. Texas drivers who don’t maintain continuous coverage pay an average of 20% more than those with five or more years of insurance history.

 

Video: Cheap Auto Insurance in Texas

 

 

Methodology for Selecting the Cheapest Auto Insurance in TX