The Best Cheap Car Insurance in Texas for 2022

Everything might be bigger in Texas, but that doesn’t mean your insurance bill has to be. Check out our latest guide and find out how you can save hundreds on your car insurance by comparing rates today.

by Nick Versaw Updated January 11th, 2022

 

Want to find out how to save money on your Texas car insurance? We did research to find the best cheap car insurance in Texas. Whether you’re a teen or retired, have a spotless record or a spotty one, you can find affordable insurance that fits your budget.

Keep reading to learn how you can save on your auto insurance premiums and other important information related to meeting Texas car insurance requirements to drive legally in the state:


In This Article:


The Best Cheap Car Insurance Rates for Every Type of Texas Driver

Dallas skyline over highway

Cheapest Car Insurance for Teen Drivers in Texas

Choosing the right auto insurance protects you and your teen driver from liability caused by an accident. While it’s no secret that insurance for teens can be costly, we’ve outlined ten of the most affordable companies for teen drivers below.

Insurance Company Monthly Premium
Commonwealth Casualty $156/mo
Infinity $168/mo
Clearcover $184/mo
Gainsco $211/mo
Bridge Net $213/mo
Elephant $227/mo
Direct Auto $245/mo
First Chicago $246/mo
Apparent $248/mo
Esurance $284/mo

Commonwealth Casualty offers the least costly option starting at $156/mo. Other options are Infinity ($168/mo), Clearcover ($184/mo), Gainsco ($211/mo), Bridge Net ($213/mo), Elephant ($227/mo), Direct Auto ($245/mo), First Chicago ($246/mo), Apparent ($248/mo), and Esurance ($284/mo).

There may be additional savings to be had. Take some time to hop online and compare rates. With Compare.com, just 5 minutes of your time can lead to significant savings.

Find the Best Rates for Your Teen Drivers in Minutes

Cheapest Car Insurance for Young Drivers in Texas

Young drivers in Texas, those between 18-24, can expect to pay more for car insurance because they’re more likely to file insurance claims. Thankfully additional factors such as driving history, location, gender, and previous insurance history can affect rates as well, so there is hope.Our research has found insurers offering some of the cheapest insurance rates to young drivers in Texas.

Insurance Company Monthly Premium
Commonwealth Casualty $104/mo
Mercury $126/mo
Clearcover $133/mo
Gainsco $153/mo
Bridge Net $156/mo
Infinity $156/mo
First Chicago $168/mo
Liberty Mutual $175/mo
Direct Auto $180/mo
Elephant $187/mo

Once again, Commonwealth Casualty comes in as having the most affordable liability insurance at $104 monthly. Next, listed cheapest to most expensive, are Mercury ($126/mo), Clearcover ($133/mo), Gainsco ($153/mo), Bridge Net ($156/mo), Infinity ($156/mo), First Chicago ($168/mo), Liberty Mutual ($175/mo), Direct Auto ($180/mo), and Elephant ($187/mo).

Cheapest Car Insurance for Retired Drivers in Texas

Statistically, elderly drivers 65 years and older suffer from slower reflexes, declining hearing, and vision, as well as more severe health issues. These elements impact their driving which leads to higher costs to insure them. Below, we’ve identified ten companies that offer cheap auto insurance to retired drivers.

Insurance Company Monthly Premium
Commonwealth Casualty $56/mo
Liberty Mutual $72/mo
Safeco $76/mo
Gainsco $83/mo
Bridge Net $85/mo
Apparent $92/mo
Clearcover $93/mo
Direct Auto $94/mo
Elephant $100/mo
Travelers $109/mo

Leading the pack from least to most costly liability only insurance rates for retired drivers are Commonwealth Casualty ($56/mo), Liberty Mutual ($72/mo), Safeco ($76/mo), Gainsco ($83/mo), Bridge Net ($85/mo), Apparent ($92/mo), Clearcover ($93/mo), Direct Auto ($94/mo), Elephant ($100/mo), and Travelers ($109/mo).

Cheapest Car Insurance for Married Drivers in Texas

If you’re married, your car insurance is probably less expensive than that of your single friends and family. That’s because insurance companies usually see married drivers in Texas as more stable, dependable, and less likely to participate in risky driving habits.

The nine companies we’ve listed below offer some of the cheapest car insurance for married couples.

Insurance Company Monthly Premium
Commonwealth Casualty $51/mo
Assurance America $69/mo
Gainsco $77/mo
Safeco $80/mo
Liberty Mutual $81/mo
Bridge Net $87/mo
Infinity $89/mo
Clearcover $94/mo
Esurance $108/mo

As you can see, Commonwealth Casualty has once again topped the list of insurers offering the most affordable auto rates in Texas. Rounding out the top ten are Assurance America ($69/mo), Gainsco ($77/mo), Safeco ($80/mo), Liberty Mutual ($81/mo), Bridge Net ($87/mo), Infinity ($89/mo), Clearcover ($94/mo) and Esurance ($108/mo).

Even more significant savings may be available for you and your partner if you’re willing to put some time and energy into comparing insurance rates. You can get started at Compare.com.

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Cheapest Car Insurance for Single Drivers in Texas

When it comes to car insurance, marital status matters. Single drivers in Texas can expect to fork over a little more money each month than married drivers. But rest assured, there are cheap insurance options available for single drivers. Take at the ten most affordable auto insurance premiums we found.

Insurance Company Monthly Premium
Commonwealth Casualty $60/mo
Mile Auto $64/mo
Assurance America $68/mo
Liberty Mutual $87/mo
Mercury $91/mo
Safeco $91/mo
Gainsco $93/mo
First Chicago $96/mo
Carnegie General $102/mo
Direct Auto $103/mo

The company with the most affordable rate is Commonwealth Casualty. As you can see, their liability-only policy will run you around $60 every month.

Other insurers offering competitive rates are Mile Auto ($64/mo), Assurance America ($68/mo), Liberty Mutual ($87/mo), Mercury ($91/mo), Safeco ($91/mo), Gainsco ($93/mo), First Chicago ($96/mo), Carnegie General ($102/mo), and Direct Auto ($103/mo).

Cheapest Car Insurance for Men vs. Women in Texas

Nationwide, car insurance is usually a little less for women than men. It makes sense as women are statistically less likely to be involved in an accident than men. Women are also more likely to wear their seat belts and exercise safer driving practices.

Monthly Premium
Female $91/mo
Male $96/mo

Cheap Car Insurance for Male Drivers in Texas

According to auto insurers, men pose a higher risk while driving than women. That’s because they are more likely to exhibit unsafe driving habits including getting speeding ticketsdrinking while driving, and being involved in accidents, to name a few. These risks can make car insurance more expensive than for women.

Insurance Company Monthly Premium
Commonwealth Casualty $59/mo
Assurance America $69/mo
Mercury $85/mo
Safeco $85/mo
Liberty Mutual $87/mo

With that said, take a look at the list above.

These companies offer affordable car insurance to male drivers in Texas with rates starting at only $59 through Commonwealth Casualty.

Rounding out the top five are Assurance America ($69/mo), Mercury ($85/mo), Safeco ($85/mo), and last but not least, Liberty Mutual, which will set you back just a few dollars more at $87 per month.

Cheap Car Insurance for Female Drivers in Texas

There are many perks to being a woman, and in Texas, you can add cheaper car insurance rates to that list. Female drivers save more on car insurance than men because auto insurers associate them with safer driving practices. Those savings are often passed along to women with cheaper monthly car insurance rates. But don’t take our word for it.

Insurance Company Monthly Premium
Commonwealth Casualty $57/mo
Mile Auto $66/mo
AssuranceAmerica $68/mo
Liberty Mutual $85/mo
Gainsco $89/mo

These liability-only policies, ranging from $57-$89 per month, offer some of the cheapest rates we could find.

Leading the pack with the most affordable rates are Commonwealth Casualty ($57/mo), Mile Auto ($66/mo), Assurance America ($68/mo), Liberty Mutual ($85/mo), and Gainsco ($89/mo).

Save Hundreds by Comparing Quotes from Top Insurers

Cheapest Car Insurance for Texas Drivers with Spotty Records

Woman with a bad driving record comparing insurance prices after getting a ticket

Cheap Car Insurance for Drivers with a Ticket on their Record

Getting a ticket can leave you feeling stressed and overwhelmed, regardless of the reason. They can be expensive to pay, but also come with an insurance rate hike.  Car insurance companies weigh the presence of a ticket differently, so you always want to make sure you’re working with a company that’ll give you the best rate – ticket or not.

Below are five companies that offer Texas drivers with a ticket on their record cheap car insurance rates.

Insurance Company Monthly Premium
Commonwealth Casualty $65/mo
Assurance America $77/mo
Gainsco $93/mo
Bridge Net $101/mo
First Chicago $107/mo

Number one on our list is Commonwealth Casualty. A liability-only policy will set you back about $65 each month. Next is Assurance America at $77/mo. With Gainsco you see a big rate jump to $93/mo and rates continue to increase with Bridget Net at $101/mo and First Chicago at $107/mo.

Cheap Car Insurance for Drivers with Multiple Tickets on their Record

When you have multiple driving tickets on your record, you’re more likely to see a bigger increase in your auto insurance rates, but that doesn’t mean you can’t find affordable coverage.

Insurance Company Monthly Premium
Commonwealth Casualty $71/mo
First Chicago $106/mo
Bridge Net $111/mo
Clearcover $112/mo
Jupiter $121/mo

Commonwealth Casualty offers the most affordable rate at just $71/mo. Then you see a $30 rate increase with First Chicago at $106/mo. The remaining 3 companies on the list offer similar rates with Bridge Net at $111/mo, Clearcover at $112/mo and Jupiter at $121/mo.

Cheap Car Insurance for Drivers with an Accident on their Record

Similar to having a ticket on your record, you can expect a rate increase due to being involved in an accident. Here are 5 auto insurance companies that offer more affordable rates even though you have an accident in your driving history.

Insurance Company Monthly Premium
Safeco $119/mo
First Chicago $122/mo
Jupiter $128/mo
Liberty Mutual $129/mo
Gainsco $134/mo

Safeco offers the most affordable auto insurance rate at $119/mo and the remaining 4 options charge similar rates. First Chicago’s liability insurance is $122/mo, Jupiter is $128/mo, Liberty Mutual is $129/mo and Gainsco is the most expensive at $134/mo

Cheap Car Insurance for Drivers with Multiple Accidents on their Record

Insurance Company Monthly Premium
Commonwealth Casualty $102/mo
First Chicago $134/mo
Jupiter $151/mo
Clearcover $164/mo
Liberty Mutual $169/mo

Commonwealth Casualty’s liability policy for drivers with multiple accidents is $102/mo. Rates then jump to $134/mo with First Chicago. You see another increase of almost $20 with Jupiter at $151/mo. Clearcover ($164/mo) and Liberty Mutual ($169/mo) round out the most affordable options in Texas.

Don’t Just Let Insurance Companie Charge You More. Compare Quotes and Save.

Cheapest Texas State Minimum Coverage

If you just want to meet the minimum auto insurance standards, you want state minimum coverage. This is a great way to keep your monthly premiums low, but keep in mind, you won’t have much protection in the event that you need to file a claim.

Insurance Company Monthly Premium
Safeco $50
Commonwealth Casualty $52
AssuranceAmerica $57
Liberty Mutual $61
Mercury $64
Gainsco $66
BridgeNet $66
Clearcover $71
DirectGeneral $76
Esurance $77

Rates for the cheapest state minimum coverage in Texas ranges from $50/mo at Safeco to $78/mo at Esurance. All of the insurance companies on this list can provide affordable insurance so you want to see which one is the best fit for you.

Cheapest Full Coverage Car Insurance in Texas

Full coverage car insurance offers better protection if you need to file a claim, but that added coverage comes with a higher premium. That’s why you want to ensure you know how to find the cheapest full coverage car insurance in Texas.

Insurance Company Monthly Premium
First Chicago $105/mo
Bridge Net $106/mo
Assurance America $111/mo
Clearcover $118/mo
Direct Auto $125/mo
Travelers $126/mo
Mercury $133/mo
Safeco $134/mo
Gainsco $145/mo
Esurance $146/mo

Rates start at $105/mo with First Chicago and Bridge Net offers a similar rate of $106/mo. Next, Assurance America’s rates come with a slight increase of $111/mo. Rates remain similar with Clearcover ($118/mo), Direct Auto ($125/mo), Travelers ($126/mo), Mercury ($133/mo) and Safeco ($134/mo). Next rates increase to the $140s with Gainsco at $145/mo and Esurance at $146/mo.

The Best Car Insurance Companies in Texas

Texas drivers have many car insurance companies to choose from, so it’s an honor to be on this list of the top-rated companies in the state.

According to J.D. Power’s survey based on overall customer satisfaction here are 8 of the top-rated companies for car insurance in the great state of Texas.

  • Texas Farm Bureau – 850
  • Liberty Mutual – 847
  • Progressive – 843
  • State Farm – 838
  • Allstate – 836
  • GEICO – 832
  • Farmers – 826
  • Auto Club of Southern California Insurance Group – 810

These scores are based on a 1,000-point system.

Texas Car Insurance Discounts

woman paying less for auto insurance using her discounts

Did you know insurance companies offer special offers that save money on your auto rates? There are approximately 500 discount offers, but the following ten are common no matter where you secure insurance:

Unlock Your Discounts in Less than 10 Minutes

Recent Texas Car Insurance Rate Trends

Below we’ve listed the rate trends for car insurance in Texas. Since 2017, car insurance rates have steadily decreased. We can only hope to continue to see a downward trend in rates.

Year Monthly Premium
2017 $120/mo
2018 $126/mo
2019 $107/mo
2020 $93/mo
2021 $92/mo

In 2017 the average auto insurance rate was $120/mo then rates slightly increased in 2018 to $126/mo, followed by a decrease to $107/mo. In 2020 rates decreased again to $93/mo and again in 2021 to $92/mo.

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Texas Car Insurance Requirements

Texas’ car insurance requirements are:

  • $30,000 in bodily injury liability per person and $60,000 per accident: Bodily injury liability pays for injuries suffered by other people in an accident you’re legally responsible for
  • $25,000 in property damage liability: This pays for damage to other people’s property — like their cars — in an accident, you’re responsible for

You’ll often see these limits abbreviated as “30/60/25 coverage.”

Texas Car Insurance Penalties

First of all, if you drive without insurance you’ll probably get caught — even if the police don’t pull you over.

Texas uses a car insurance verification system called TexasSure that identifies uninsured drivers. The state will notify you if the system can’t match your registered vehicle to an active insurance policy.

A conviction for driving without insurance means a fine of up to $350, plus court costs.

Subsequent offenses carry penalties of up to $1,000 plus a two-year driver’s license suspension. Texas also has a system of surcharges: if you’re convicted of certain offenses, you’ll have to pay the state a penalty every year. The surcharge for driving without insurance is $250 each year for three years.

Read More about Driving Uninsured.

Texas Vehicle Registration Fees and Other Costs

If you’re in the market for a new or used car, you’ll need to budget for more than just the vehicle’s sticker price.

You’ll be on the hook for basic DMV fees like title, license plate, registration fees no matter where and how you purchase your new car, truck, or SUV, as well as buying a new car insurance policy for your vehicle.

Some buyers will also find themselves paying additional fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees, and a slew of other costs.

Check out Compare.com’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Texas.

Compare Car Insurance Rates by Texas Cities

We’ve done the hard work for you and compared rates from over 200 Texas cities. So, how does your city stack up to its neighbors or the rest of Texas?

City Average Monthly Car Insurance Premium
Abilene $52
Addison $62
Allen $66
Alvarado $59
Alvin $71
Amarillo $57
Angleton $57
Anna $63
Arlington $66
Athens $56
Aubrey $61
Austin $59
Argyle $59
Atlanta $51
Azle $59
Bacliff $71
Balch Springs $70
Bastrop $57
Baytown $70
Beaumont $68
Bedford $60
Belton $50
Big Spring $41
Boerne $56
Bonham $51
Brownsville $61
Brownwood $46
Bryan $54
Buda $56
Burleson $63
Canyon Lake $49
Carrollton $64
Cedar Hill $68
Cedar Park $60
Cibolo $59
Channelview $63
Cleburne $57
Cleveland $67
College Station $61
Commerce $63
Conroe $65
Converse $63
Coppell $63
Copperas Cove $52
Corpus Christi $59
Corsicana $55
Crosby $76
Crowley $62
Cypress $77
Dallas $67
Datyon $72
Deer Park $65
Del Valle $66
Denison $51
Denton $65
Desoto $63
Dickinson $65
Duncanville $64
Eagle Pass $64
Edinburg $64
El Paso $51
Elgin $60
Elmendorf $62
Ennis $58
Euless $60
Flint $65
Flower Mound $69
Forney $76
Fort Hood $82
Fort Worth $60
Freeport $58
Fresno $82
Friendswood $65
Frisco $66
Gainesville $52
Galveston $62
Garland $70
Georgetown $56
Gilmer $55
Granbury $56
Grand Prairie $68
Grapevine $59
Greenville $54
Haltom City $60
Harker Heights $55
Harlingen $58
Haslet $58
Hewitt $57
Hockley $73
Houston $75
Huffman $76
Humble $78
Huntsville $61
Hurst $61
Hutto $70
Irving $64
Jacksonville $52
Jasper $56
Joshua $60
Katy $75
Keller $68
Kemp $50
Kilgore $60
Killeen $58
Kingwood $77
Kyle $57
La Marque $65
La Porte $71
Lake Dallas $60
Lancaster $68
Laredo $55
League City $69
Leander $61
Levelland $46
Lewisville $62
Little Elm $73
Livingston $52
Longview $56
Lubbock $58
Lufkin $63
Mabank $56
Magnolia $72
Manor $62
Mansfield $67
Marshall $54
McAllen $65
McKinney $64
Mesquite $67
Midland $54
Midlothian $67
Mineral Wells $46
Mission $64
Missouri City $71
Montgomery $61
Mount Pleasant $56
Nacogdoches $56
New Braunfels $57
New Caney $68
North Richland Hills $62
Odessa $57
Orange $66
Palestine $54
Paris $53
Pasadena $70
Pearland $69
Pflugerville $71
Pharr $64
Plainview $44
Plano $65
Port Arthur $65
Porter $69
Princeton $66
Prosper $72
Quinlan $51
Red Oak $68
Rhome $59
Richardson $66
Richmond $71
Roanoke $66
Rockwall $69
Rosenberg $64
Rosharon $78
Round Rock $60
Rowlett $71
Royse City $69
Sachse $80
San Angelo $45
San Antonio $62
San Juan $60
San Marcos $64
Schertz $59
Seabrook $70
Seagoville $67
Seguin $52
Sherman $56
Silsbee $60
Southlake $60
Splendora $57
Spring $71
Springtown $58
Stafford $68
Sugar Land $72
Sulphur Springs $45
Temple $50
Terrell $58
Texarkana $51
Texas City $67
The Colony $67
Tomball $78
Tyler $62
Victoria $56
Vidor $64
Waco $57
Waxahachie $61
Weatherford $55
Webster $70
Weslaco $61
Whitehouse $71
Wichita Falls $46
Willis $61
Wills Point $58
Wylie $72

As you can see, rates can vary from city to city by a lot more than you might expect. Big Spring drivers pay an average of only $41 a month for their car insurance, while drivers in Ft. Hood and Fresno pay double that.

To find out why, click on the name of each city in the table above to find detailed breakdowns on all the factors that go into calculating your monthly premium. Here, you’ll find the information you need on how things like driving record, age, gendervehicle make and model, and more will affect how much you pay for car insurance in each locality.

Uncover the Cheapest Rates in Your Area

Texas Auto Insurance FAQs

What car insurance is required in Texas?

If you want to drive in Texas, you have to have insurance. The minimum requirements are:

  • $30,000 in bodily injury liability per person and $60,000 per accident
  • $25,000 in property damage liability

How much is car insurance in Texas?

The average rate for car insurance in Texas is $92/mo.

What happens if you drive without insurance in Texas?

Driving without insurance in Texas can lead to fines of up to $1,000 and your license being suspended. It’s not worth it.

Can you get car insurance without a license in Texas?

While you don’t need a license to buy auto insurance, you do have to name a primary driver on your policy. Generally, this should be the person who will use your vehicle the most, whether that’s a hired driver or a family member.


Methodology

All data referenced in this article comes from a combination of proprietary data — which is aggregated from millions of real customer quotes through Compare.com — and additional data gathered in collaboration with Quadrant.