Cheapest Car Insurance in Texas
Numbers refreshed
Insurers ranked by price where Texas publishes the figures, plus ways to lower your own bill.
- $74.The monthly average for the legal minimum.
- 30/60/25.the minimum liability limits.
- Ranked 6th of 51 among the most expensive states (1st = highest).
For an adult with a clean record, the lowest prices in Texas
The state priced this profile: a single woman, age 25 to 64, with no violations and average credit. She drives a car, mostly for her commute (18,000 mi/yr), with only liability coverage at 30/60/25.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Farmers Insurance | $450 | $38 |
| 2 | GEICO | $520 | $43 |
| 3 | GEICO | $528 | $44 |
| 4 | GEICO | $541 | $45 |
| 5 | Progressive | $651 | $54 |
| 6 | Progressive | $703 | $59 |
| 7 | USAA | $747 | $62 |
| 8 | USAA | $829 | $69 |
| 9 | Infinity County Mutual Insurance Company | $850 | $71 |
| 10 | GEICO | $859 | $72 |
Source: HelpInsure.com Auto FAQ (TDI).
Lowest cost in Texas for a young driver
Here the state priced a single female, ages 16 to 24, no violations, average credit, a car used mostly for commuting (18,000 mi/yr), and 30/60/25 liability only.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Farmers Insurance | $1,098 | $92 |
| 2 | GEICO | $1,392 | $116 |
| 3 | GEICO | $1,430 | $119 |
| 4 | GEICO | $1,433 | $119 |
| 5 | USAA | $1,591 | $133 |
| 6 | USAA | $1,853 | $154 |
| 7 | Texas Automobile Insurance Plan Association | $2,079 | $173 |
| 8 | Garrison Property and Casualty Insurance Company | $2,143 | $179 |
| 9 | Allstate | $2,249 | $187 |
| 10 | USAA | $2,274 | $190 |
Source: HelpInsure.com Auto FAQ (TDI).
For a driver who has been in an accident, the cheapest rates in Texas
The state priced this profile: a single woman, age 25 to 64, with 1 at-fault accident and average credit. She drives a car mostly for commuting to work (18,000 mi/yr), with 30/60/25 liability only.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Farmers Insurance | $620 | $52 |
| 2 | GEICO | $832 | $69 |
| 3 | GEICO | $853 | $71 |
| 4 | GEICO | $883 | $74 |
| 5 | Progressive | $961 | $80 |
| 6 | Progressive | $1,083 | $90 |
| 7 | State Farm | $1,183 | $99 |
| 8 | Infinity County Mutual Insurance Company | $1,189 | $99 |
| 9 | USAA | $1,251 | $104 |
| 10 | GEICO | $1,262 | $105 |
Source: HelpInsure.com Auto FAQ (TDI).
How to pay less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $1,024 a year on the Texas average.
- Raise your deductible; what you save in a year often beats what one claim would cost you extra.
- Ask for every discount by name: good student, multi-car, paying in full, safe-driving apps, bundling home and auto.
- Check prices again at every renewal; one company raising its rate doesn't mean the others did too.
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