How to Get the Cheapest Car Insurance in Texas

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 on your next auto insurance policy.

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The average Texas driver pays a little over $1,150 a month on car insurance according to the Insurance Information Institute — slightly more than the national average. But that doesn’t mean you’re stuck with paying more. We’ve analyzed thousands of real-life quotes from drivers all over the Lone Star State so that you can find the best policy for your budget.


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The Cheapest Car Insurance Companies in Texas for 2022

Dallas skyline over highway

Want to find out how to save money on your Texas car insurance? We did the hard work for you and found which companies offer 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:

The Cheapest Rates for Texas Teens

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 in Texas. Just check out the table 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 most affordable car insurance, with rates starting at $156/mo. Other affordable options are Infinity at $168/mo., Clearcover at $184/mo., and Gainsco at $211/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.


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The Best Rates for Young Texans

Young drivers in Texas — those between 18-24 — can expect to pay more for car insurance because they’re statistically more likely to get into accidents and 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 found companies 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).

Cheap Car Insurance for Texas Retirees

Generally, more experience on the road pays off. Because of this, drivers around retirement age tend to get the best rates for car insurance. But just because you’re paying less than you ever have doesn’t mean there aren’t more savings out there. 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

As you can see, Commonwealth Casualty again comes out on top, with rates for retired drivers running $56 a month on average. Other affordable quotes for Texas drivers include rates from Safeco, Liberty Mutual, and GAINSCO.

Best Rates 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 in Texas.

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 Texans

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).

The Most Affordable Rates for Men & 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

Cheapest Quotes for Male Drivers

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.

Best Quotes for Female Drivers

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).


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These Companies Have the Best Rates After an Accident or Ticket

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

Cheapest Rates for Drivers with a Ticket

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.

Cheapest Quotes for Drivers with Multiple Tickets

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.

The Best Rates for Texas Drivers After an Accident

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

Cheapest Rates for Texans with Multiple Accidents on their Records

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.


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The Cheapest Companies for State Minimum Insurance in Texas

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 range 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.

The 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 offering 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 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 seven of the top-rated companies for car insurance in the great state of Texas.

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

6 Tips to Find Cheap Car Insurance in Texas 

Now that we’ve seen the various rates for car insurance in Texas, you’ll probably wonder what you can do to enjoy these prices. Here are 6 tips to help you find cheap car insurance in Texas. 

  1. Find out what factors affect your auto insurance rates in Texas. While it’s no secret that your driving habits and number of claims affect your insurance premiums, there are other factors at play as well. For example, Texas allows car insurance companies to consider your credit card history, marital status, gender, age, and even your annual mileage when determining your insurance rate. 
  2. Choose the right coverage limits. Texas requires all its drivers have liability insurance, but comprehensive and collision coverage are optional. If you don’t spend much time on the road, you might consider usage-based insurance to enjoy more savings. 
  3. Explore discounts. Drivers in Texas enjoy a plethora of discounts, so ask your insurance agent to check which discounts you qualify for. 
  4. Improve your credit score. Insurance companies in Texas can use your credit score to calculate your premium. As a result, drivers with low credit scores will pay more in auto insurance than drivers with good credit. Improving your credit score can help you save money on auto insurance. 
  5. Avoid car insurance lapses. Even if you don’t own a car, a lapse in car insurance can negatively affect your chances of getting affordable car insurance. Try your best to avoid gaps in coverage, and consider getting non-owner’s car insurance if it’s a good fit for your situation. 
  6. Regularly compare car insurance quotes. If you feel that you’re overpaying for auto insurance, take time to compare car insurance quotes. Local or regional insurance companies may have cheaper rates than larger companies available nationwide. 

Texas Car Insurance Discounts that Will Lower Your Bill

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:


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Recent Texas Car Insurance 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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What Car Insurance is Required in Texas?

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.”

What are the Penalties for Driving Without Insurance in Texas?

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 since there are a lot of extra costs that come with owning a car.

You’ll be on the hook for basic DMV fees like title, license plate, and 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 Texas Auto Insurance Rates by City

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
Dayton $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.


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Texas Auto Insurance FAQs

What is the bare minimum car insurance required in Texas?

If you want to drive in Texas, you have to have insurance. The minimum requirement is 30/60/25 coverage. This breaks down to:

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

While the state minimum requirements may be okay for some drivers, most drivers choose to purchase additional coverage to protect their assets in case of an at-fault collision.

How much is car insurance in Texas per month?

The average rate for car insurance in Texas is $92/mo. Although this is the average rate, drivers may pay more or less depending on factors like their age, marital status, location, or credit history. 

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. You could also risk having your vehicle impounded. 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.

Can you face jail time for driving without insurance in Texas?

Driving without insurance in Texas is categorized as a misdemeanor, but you might not face jail time. However, you will need to pay hefty fines and penalties and deal with the impoundment of your vehicle, or getting your license suspended. 

What is considered full coverage auto insurance in Texas?

In Texas, full coverage auto insurance consists of bodily injury and property damage liability coverage, collision and comprehensive coverage, medical payments coverage, and uninsured/underinsured motorist coverage.


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. The data in this article is up to date as of January 2021.


 

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