Cheap Car Insurance in Texas
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Finding cheap auto insurance quotes in Texas can be challenging if you don’t know where to look. Insurance providers in Texas consider several factors, including your location, driver profile, and vehicle type, before determining your monthly premium.
This guide will show you how to find the most affordable car insurance in Texas and help you understand how providers determine their quotes.
Average Cost of Car Insurance in Texas
Texas requires drivers to maintain a minimum amount of coverage to operate a vehicle on the roads. If a driver causes an accident and it results in property damage or bodily injury, the driver’s liability insurance will cover it.
In Texas, drivers must have liability insurance that covers $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident. This is the minimum amount needed. Additionally, drivers must complete Texas car registration renewals to remain compliant with state law.
Car insurance is different for every driver depending on factors such as their personal details, driving record, location, and coverage policy. In 2025, full coverage car insurance in Texas costs an average of $2,600, while the minimum amount costs $746 on average.
Cheapest Car Insurance Providers in Texas
Auto insurance prices depend on the providers just as much as your personal details. If you’re looking for inexpensive auto insurance in Texas, these are some companies that may suit your needs.
| Insurance Company | Annual Premium |
|---|---|
| Farm Bureau | $977 |
| USAA | $1,597 |
| Redpoint County Mutual | $1,641 |
| AmTrust | $1,750 |
| Foremost County | $1,945 |
| Progressive Insurance | $2,003 |
| Auto Club | $2,221 |
| Foremost County | $3,560 |
| Allstate | $3,575 |
| Dairyland Insurance | $4,450 |
Factors That Influence Your Car Insurance Rate
Insurance providers in Texas use a calculated approach to understand the risks they’re taking by backing you as a driver. To decide how much you’ll need to pay each month for their coverage, they consider several factors, including your personal history and the type of vehicle you drive.
Driving Record and Claims History
Your driving history and past claims give providers an idea of your safety and reliability behind the wheel. Someone who has driven for 20 years without getting into accidents or receiving tickets will get much better rates than a 20-year-old driver with multiple speeding tickets. Having a record that includes at-fault accidents, DUI convictions, or frequent insurance claims can result in increased premiums.
Type of Vehicle You Drive
The vehicle you drive will have a big impact on your auto insurance rates for several reasons. First, the provider needs an accurate idea of how much it will cost to replace or repair in case of an accident. For example, a 2025 BMW 5 Series costs more than a 2008 Toyota Camry, and the insurance premiums will reflect that.
Other factors, such as how often thieves target the vehicle for burglaries, its safety ratings, and insurance claim statistics, will play a role in the cost.
How To Get Cheaper Car Insurance in Texas
To get the best coverage for you, start by comparing Texas car insurance quotes through a reputable website like EverQuote. Once you find cheap car insurance in Texas, there are more strategies you can use to lower the price of your premiums even more.
One way to get a better deal is to bundle your auto insurance policies with others under the same provider. Depending on the provider, combining auto and home insurance can knock off a significant percentage of your bill.
You can also save by choosing a higher deductible. For example, a deductible of $1,000 instead of $500 means you’ll have to pay more if you file auto claims, but your monthly premium will be lower.
Completing an approved defensive driving course shows that you’re serious about safety. Many providers will see this as a positive and give you insurance discounts for your efforts. Also, remember that in Texas, credit scores matter. Maintaining a good credit score or improving it can help lower your insurance costs over time.
Why Your ZIP Code Matters in Texas
Texas is one of the largest states in the U.S. with diverse landscapes, populations, and weather. Auto insurance providers use ZIP codes to determine some of the risks in that specific area before giving a quote.
These are some examples of factors that would affect the cost of insurance premiums:
- Accident frequency
- Crime and theft rates
- Weather-related claims
- Local medical and repair costs
- Uninsured drivers
Based on elements like this, insurance providers may give higher or lower premiums than the state average.
Compare Car Insurance Rates in Texas Now
It’s against the law to drive without the state minimum amount of Texas car insurance. However, additional coverage on top of the state requirements can help protect you financially. To determine which coverage amount and rates work best for you, visit EverQuote.
EverQuote allows you to browse providers and compare auto insurance quotes based on your unique situation, helping you discover cheap auto insurance in Texas. Find the perfect car insurance coverage for you with an EverQuote comparison.
FAQs
What is the cheapest car insurance in Texas?
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How much is the average car insurance in Texas per month?
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.