+120 more*These quotes are from real Compare.com users Texas within the last 10 days. Updated on September 1, 2026
*These quotes are from real Compare.com users Texas within the last 10 days. Updated on September 1, 2026
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
State Farm, Progressive, and Mile Auto offer the lowest average car insurance rates in Texas.
The average liability rate in Texas is $118 per month, while full coverage averages $215 per month.
Texans pay an average of $166 per month for car insurance.
Many flood hazards exist in Texas, from hurricanes to dry washes, which can increase comprehensive insurance premiums and put more flood-damaged vehicles on the used-car market.[1] [2]
State Farm, Progressive, and Mile Auto are among the cheapest insurers.
Texas drivers pay an average of $166 per month for car insurance, about $25 more than the national average.
Full coverage averages $215 per month in Texas, compared to $184 nationally, while liability coverage averages $118 versus $100 nationally.
Average rates may run higher in Texas due to factors like extreme weather, including hurricanes and tornadoes, and a higher-than-average motor vehicle crash fatality rate, according to the Insurance Institute for Highway Safety (IIHS).
The average rates below reflect full coverage and liability premiums from 34 car insurance companies operating in Texas, according to Compare.com.
Company | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| State Farm | $60 | $114 |
| Progressive | $82 | $148 |
| Mile Auto | $84 | $188 |
| GEICO | $90 | $189 |
| USAA | $107 | $204 |
| First Acceptance | $111 | $273 |
| Mercury | $114 | $186 |
| Alinsco | $115 | $231 |
| The General | $115 | $249 |
| Allstate | $141 | $209 |
Compare quotes and get the coverage you need at the best price.
Houston has some of the most expensive car insurance rates in Texas, averaging $223 per month, while Corsicana is among the cheapest at an average of $134 per month. Drivers in Houston tend to pay about 65% more than drivers in Corsicana.
Higher-cost cities like Houston and Fresno are in the Houston metro area, where Texas’ population is heavily concentrated, while lower-cost cities such as Texarkana are in less populated parts of the state.[3]
The table below shows average car insurance quotes across cities in Texas.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Big Spring | $84 | $184 |
| Abilene | $88 | $188 |
| Corsicana | $92 | $175 |
| Temple | $93 | $184 |
| Commerce | $95 | $184 |
| Jacksonville | $95 | $202 |
| El Paso | $98 | $195 |
| Texarkana | $98 | $178 |
| Midland | $99 | $207 |
| Amarillo | $100 | $222 |
| Bryan | $100 | $193 |
| Lufkin | $100 | $186 |
| Victoria | $100 | $174 |
| Lubbock | $101 | $204 |
| Cleburne | $102 | $180 |
| Odessa | $103 | $232 |
| Nacogdoches | $104 | $176 |
| Killeen | $105 | $202 |
| Greenville | $106 | $185 |
| College Station | $107 | $197 |
| Burleson | $110 | $212 |
| Grapevine | $110 | $176 |
| New Braunfels | $110 | $193 |
| Harlingen | $111 | $185 |
| Huntsville | $111 | $203 |
| Denton | $112 | $209 |
| Georgetown | $112 | $196 |
| Waxahachie | $112 | $207 |
| Laredo | $113 | $200 |
| Coppell | $114 | $196 |
| Frisco | $115 | $211 |
| Round Rock | $115 | $210 |
| Brownsville | $117 | $216 |
| Cedar Park | $118 | $197 |
| Fort Worth | $118 | $211 |
| Keller | $118 | $195 |
| Leander | $118 | $208 |
| Mckinney | $118 | $216 |
| San Marcos | $118 | $203 |
| Friendswood | $119 | $205 |
| Lewisville | $119 | $198 |
| Southlake | $119 | $175 |
| Haltom City | $120 | $196 |
| Mansfield | $120 | $207 |
| Irving | $122 | $229 |
| Duncanville | $125 | $234 |
| Galveston | $125 | $221 |
| Plano | $125 | $208 |
| Forney | $126 | $233 |
| Arlington | $127 | $216 |
| Austin | $127 | $216 |
| Cleveland | $128 | $238 |
| League City | $128 | $224 |
| Montgomery | $128 | $215 |
| San Antonio | $128 | $219 |
| San Juan | $128 | $227 |
| Corpus Christi | $130 | $216 |
| Grand Prairie | $130 | $223 |
| Lancaster | $130 | $253 |
| Pearland | $130 | $236 |
| Pflugerville | $130 | $223 |
| Mesquite | $131 | $244 |
| Beaumont | $132 | $229 |
| Conroe | $132 | $223 |
| Mcallen | $132 | $226 |
| Balch Springs | $134 | $229 |
| Rowlett | $134 | $220 |
| Dallas | $135 | $240 |
| Mission | $136 | $238 |
| Baytown | $137 | $239 |
| Garland | $137 | $235 |
| La Porte | $138 | $208 |
| Rockwall | $138 | $224 |
| Spring | $147 | $240 |
| Fresno | $149 | $261 |
| Sugar Land | $152 | $219 |
| Katy | $153 | $243 |
| Humble | $157 | $244 |
| Houston | $170 | $276 |
Here’s an overview of important trends affecting Texas car insurance, according to our proprietary database of millions of real-life car insurance quotes.
Low ticket and DWI rates: Texas has some of the lowest ticket and driving while intoxicated (DWI) rates in the country. Just 3.0% of Texas drivers have a ticket, and 0.4% have a DWI, the fourth-lowest rates in the dataset for both categories.
High driving exposure: Texans average 9,526 miles per year, the sixth-highest annual mileage. More time behind the wheel can increase the risk of crashes.
Mostly paid-off cars: About 65% of Texas drivers own their vehicle, while roughly 32% have a car loan, and just 3% lease their vehicles.
Higher accident rates in the Houston metro: About 3.7% of Houston drivers have an accident on record, compared with 4.6% in Katy and 4.4% in Humble.
Car insurance rates in Texas vary based on your location, insurer, driving history, vehicle, coverage, and other factors. That’s why it pays to shop around. Comparing quotes helps you uncover the best deal.
Here’s how rates stack up across major Texas companies.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium $87/mo* | Average Premium $225/mo* | Average Premium $150/mo* | Average Premium $140/mo* | Average Premium $182/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 976 user reviews | Special Highlight N/AAI-generated from 10 user reviews | Special Highlight N/AAI-generated from 26 user reviews | Special Highlight N/AAI-generated from 825 user reviews | Special Highlight N/AAI-generated from 39 user reviews |
The best car insurance company in Texas depends on your budget, driving habits, and coverage needs. Our top picks for Texas drivers are State Farm, Allstate, and Progressive. We based the insurers below on actual user reviews.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $60/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $114/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm lists local agents in 411 Texas cities and towns, giving drivers across the state broad access to personalized service. It also earns strong customer and claims satisfaction ratings and offers coverage options such as roadside assistance and rideshare coverage.
The company’s advertised discounts include Drive Safe & Save (up to 30%), bundling home and auto, and the good driver discount.
Cheaper-than-average rates in Texas
Large directory of local Texas insurance agents
No accident forgiveness
Gap coverage only for State Farm-financed vehicles
| User Reviews | 3.7 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $141/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $209/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers Milewise, a pay-per-mile insurance program, which rewards low-mileage drivers. Texas ranks among the higher-mileage states, so Drivewise may be a better fit for drivers who put more miles on their cars than a pay-per-mile program like Milewise.
Additionally, you can access a wide variety of coverage options and savings programs, such as good student discounts, responsible payer, and safe driver discounts.
Highly rated usage-based insurance
Pay-per-mile for low-mileage drivers
Lower-than-average customer satisfaction in Texas
Underperforming claims satisfaction
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 616 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $148/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
In addition to standard auto coverage options, Progress offers Texas drivers rideshare insurance, pet injury coverage, and gap insurance. Given Texas’ high overall crash exposure, drivers may also value Progressive’s two accident forgiveness programs and deductible savings bank (a vanishing deductible).
Deductible savings bank
Accident forgiveness available
Below-average customer satisfaction in Texas
No new car replacement coverage
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Texas drivers.
We researched, analyzed, and weighed several categories important to Texas insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Texas drivers find the best auto insurance policy for their unique needs.
Like almost every state, Texas requires drivers to buy liability insurance. State-minimum coverage must include at least the following:[4]
Bodily injury liability per person: $30,000
Bodily injury liability per accident: $60,000
Property damage liability: $25,000
Texas insurers must also offer personal injury protection (PIP) and uninsured/underinsured motorist coverage, though drivers can decline both in writing. These state minimums are about middle-of-the-road compared to other states.
Driving without the required liability insurance is a misdemeanor under Texas law. The state could fine you between $175 and $350 for a first offense and between $350 and $1,000 for a second.[5]
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Texas car insurance premiums reflect a mix of personal details (your driving profile) and local factors. Major pressures include
Garaging location: Insurers factor in local claim and crime rates, traffic patterns, and congestion. That’s why rates are lower in Texarkana than in Houston, for example.
Severe weather: The frequency of billion-dollar disasters has risen considerably in Texas since the 1990s.[6] Storm-related hail, wind, fire, and flood damage can lead to costly comprehensive auto insurance claims.
Crash exposure: Texas logged 307.5 billion vehicle-miles in 2024 and one reportable crash every 57 seconds.[7] Higher numbers of accident claims can increase overall insurance premiums.
Uninsured motorists: An estimated 11.87% of drivers were uninsured as of September 2025, according to the Texas Department of Motor Vehicles (TxDMV). That increases the potential for crashes involving drivers without coverage.
Texas drivers can use several strategies to find lower car insurance rates, from adjusting to taking advantage of their driving habits and comparing insurers. Here are a few ways to find cheaper coverage:
Raise your deductible: Texas drivers face risks from hail, wind, and other severe weather. Choosing a higher comprehensive deductible can lower your premiums, but make sure you can afford the out-of-pocket costs if you file a claim.
Check low-mileage options: Texas drivers average 9,526 miles per year. If you drive less than that, usage-based programs or pay-per-mile coverage may be worth comparing.
Improve your credit before shopping: Texas drivers with bad credit pay an average of $208 per month, compared to $149 for drivers with good credit — a difference of more than $700 per year, according to Compare.com data. Improving your credit can help qualify you for lower rates.
Compare quotes: Texas rates can vary widely by company, so comparing rates helps you uncover the lowest rates for your location and coverage needs.
Get quotes from top insurers in the Lone Star State and save money in minutes.
Texas drivers can use these links to check state rules, handle vehicle paperwork, compare coverage options, and find Compare.com guides for common coverage needs and driver profiles.
Texas Department of Insurance: Learn about auto insurance requirements, coverage options, and consumer rights, or get help with an insurance complaint.
Texas Department of Motor Vehicles: Find information on vehicle registration, TexasSure insurance verification, and other requirements for Texas motorists.
Texas Attorney General consumer protection page: Learn about consumer protections, report scams, or file a consumer complaint.
Texas Legislature — Transportation Code, Chapter 601 (Motor Vehicle Safety Responsibility Act): Review current Texas laws governing financial responsibility and required auto insurance coverage.
Below, we answered the most common questions Texans ask about getting car insurance.
A few factors push Texas rates up, including costly repairs, heavy traffic in the state’s big metros, severe weather risk, how often claims get filed, and inflation on top of it all. The Texas Department of Insurance (TDI) allows insurers to consider your location, vehicle type, driving record, claims history, and credit.
The cheapest full-coverage company in Texas depends on your city, vehicle, driving record, credit, and deductible. That said, State Farm offers the cheapest full-coverage car insurance in Texas, at an average of $114 per month.
No. Texas insurers must offer uninsured/underinsured motorist coverage, but drivers can reject it in writing. The TDI recommends considering enough property damage coverage to replace your vehicle.
Texas requires drivers to have at least 30/60/25 of liability coverage: $30,000 bodily injury liability per person, $60,000 per accident, and $25,000 for property damage. But it only covers damages you cause to others.
Yes. Texas allows insurers to use credit information when setting auto rates, but they look at your overall credit history when doing so, not your FICO credit score. Insurance companies may also consider age, vehicle type, driving record, claims history, and where you live.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
