Low-cost car insurance in Texas

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Texas Farm Bureau provides the lowest car insurance rates in Texas at $1,339 a year. The average premium is $219 per month in Texas, though your actual rate may vary.

Car insurance requirements differ by state. In Texas, drivers are required to carry at least the minimum liability coverage: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

Texas Farm Bureau has the cheapest average premium in Texas, coming in at $1,339 per year – about $1,292 compared to the state average.
For drivers with an at-fault accident on their record, State Farm offers the lowest rates, with annual costs averaging $2,626.
The 79843 ZIP code is the least expensive area in Texas for car insurance, with an average yearly premium of $2,178.

Low-cost car insurance companies in Texas

Among all insurers in Texas, Texas Farm Bureau comes in lowest at $1,339 per year – $1,292 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Texas.

Company	Average annual rates
Texas Farm Bureau	$1,339
Redpoint Insurance	$1,890
State Farm	$2,264
Auto Club Enterprises (AAA)	$2,318
GEICO	$2,746
Progressive	$2,916
Allstate	$4,258
Farmers	$4,260
USAA*	$1,692

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Texas

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Texas

Drivers in the 79843 ZIP code pay the lowest average annual premium in Texas, at $2,178. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
79843	Marfa	$2,178
79830	Alpine	$2,201
77802	Bryan	$2,216
76502	Temple	$2,219
77845	College Station	$2,223
76579	Troy	$2,224
79855	Van Horn	$2,224
79845	Presidio	$2,227
79852	Terlingua	$2,234
79734	Fort Davis	$2,246

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Texas by city

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Low-cost car insurance in Texas by age

Young drivers often face the highest premiums. In Texas, for example, a 16-year-old pays $7,043 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$7,331
Young Adults (20-24)	$3,812
Adults (25-60)	$2,625
Seniors (65-75)	$2,504

Low-cost car insurance in Texas by driver history

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Texas

One speeding ticket in Texas can cause your insurance rates to jump by 38%, or roughly $994 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto Club Enterprises (AAA)	$2,318	$3,435	48%	$1,117
Progressive	$2,916	$3,946	35%	$1,030
GEICO	$2,746	$4,274	56%	$1,528
Farmers	$4,260	$6,042	42%	$1,782
USAA*	$1,692	$1,916	13%	$225

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Texas

State Farm offers the lowest car insurance rates to drivers after an at-fault accident at $2,626 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$2,264	$2,626	16%	$362
Auto Club Enterprises (AAA)	$2,318	$3,785	63%	$1,467
GEICO	$2,746	$4,285	56%	$1,539
Progressive	$2,916	$4,561	56%	$1,645
Allstate	$4,258	$6,716	58%	$2,457
Farmers	$4,260	$8,391	97%	$4,131
USAA*	$1,692	$2,697	59%	$1,006

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Texas

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Texas are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$2,916	$3,429	$513	18%
State Farm	$2,264	$3,534	$1,270	56%
Auto Club Enterprises (AAA)	$2,318	$3,827	$1,509	65%
GEICO	$2,746	$4,767	$2,021	74%
Allstate	$4,258	$6,676	$2,417	57%
Farmers	$4,260	$7,048	$2,788	65%
USAA*	$1,692	$2,555	$864	51%

*USAA is only available to military community members and their families.

Average cost of car insurance Texas

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Texas, the average cost of full coverage is $118 more compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Texas, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Texas.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Texas. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.