Cheap Car Insurance in Texas

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Finding cheap car insurance in Texas

When you're looking for cheap car insurance in Texas, comparison shopping is important. Quotes are free and easy to get, so it's worth your time to get rates from a few companies. 

You can potentially save hundreds of dollars by comparison shopping. We looked at premiums reported by EverQuote users in Texas for large insurance companies. The prices below reflect rates for one driver with a clean record insuring one vehicle.

Company
(click to see company review)
Average monthly premium
Allied $111
21st Century  $113.50
American National $119
The Hartford $120
AAA Insurance $121
Farm Bureau $123
Auto-Owners $125
Mercury Insurance $131
Safeco $134
Geico $136
The General $136.50
Travelers Insurance $139
Esurance $139
Amica $139
State Farm $140
Allstate $140
USAA $140
Farmers Insurance $144
Liberty Mutual $145
MetLife $146
Elephant $150
Nationwide Insurance $150
Progressive $152
Infinity  $167
Source: EverQuote. See full methodology below.


The best way to find a good deal is to get auto insurance quotes from multiple companies. Also, keep in mind that the cheapest car insurance company in Texas for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims.

Recent auto insurance rate changes approved by Texas

Even with a good driving record, you could get a car insurance rate increase at renewal time.

Rate increases have been common in recent years. Auto insurers often blame car accidents, rising car-repair costs and higher medical bills as causes.

Car insurance companies must file their planned increases and decreases with the state. Below are rate changes recently approved by the Texas department of insurance. These rate changes may not affect all customers in the state. If you are affected you'll get a notice at renewal time. The effective dates below indicate when the rate change will begin rolling out.

Company Effective date Rate change % 

(    ) = decrease

Auto Club County Mutual Insurance Company 11/1/18 (0.040)
Midvale Indemnity Company 10/15/18 14.500
Allied Property and Casualty Insurance Company 10/15/18 0.030
Depositors Insurance Company,

Nationwide Agribusiness Insurance Company

10/15/18 0.010
Integon Indemnity Corporation 8/11/18 12.300
United Fire & Casualty Company,

United Fire & Indemnity Company,

United Fire Lloyds

8/1/18 8.400
General Insurance Company of America,

Safeco Insurance Company of America,

Safeco Insurance Company of Illinois,

Safeco Lloyds Insurance Company

7/3/18 6.400
State Farm County Mutual Insurance Company of Texas,

State Farm Fire and Casualty Company,

State Farm Mutual Automobile Insurance Company

7/1/18 0.100
Electric Insurance Company 6/18/18 9.500
State Farm Mutual Automobile Insurance Company 5/28/18 (3.000)
Colonial County Mutual Insurance Company 5/12/18 5.300
Unitrin Direct Insurance Company 5/6/18 9.500
Anchor General Insurance Company 5/1/18 7.590
Allstate Fire and Casualty Insurance Company 4/16/18 20.000
Allstate Insurance Company 4/16/18 14.700
Allstate County Mutual Insurance Company 4/16/18 20.000
Allstate Indemnity Company 4/16/18 15.000
Allstate Property and Casualty Insurance Company 4/16/18 14.300
Redpoint County Mutual Insurance Company 4/15/18 0.300
Redpoint County Mutual Insurance Company 4/15/18 11.700
Southern County Mutual Insurance Company 4/15/18 13.400
Infinity County Mutual Insurance Company 4/5/18 (0.120)
Home State County Mutual Insurance Company 4/1/18 4.200
Auto Club County Mutual Insurance Company 4/1/18 (1.200)
Garrison Property and Casualty Insurance Company,

United Services Automobile Association,

USAA Casualty Insurance Company,

USAA General Indemnity Company

3/26/18 2.000
Source: S&P Global Market Intelligence

Texas car insurance rates after accidents & speeding tickets

We looked at premiums reported by EverQuote users in Texas who had an accident or speeding ticket on their records compared to those with clean records. These problems can often lead to rate increases, so be prepared for bigger car insurance bills. 

On driving record Average monthly premium difference vs. clean record in Texas
Speeding ticket 31%
Accident 33%
Source: EverQuote. See full methodology below.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Texas drivers are speeding and using their phones while driving.


Texas car insurance rates by city

We also analyzed Texas car insurance rates reported by EverQuote users in various cities. Drivers in Euless reported the lowest premiums among the cities we looked at.

City Average monthly premium
Euless $124
El Paso $127
Tyler $129.50
Corpus Christi $130
Cypress $130
Killeen $131
Round Rock $133
Austin $133
Plano $135
Frisco $135
Lewisville $136
Richardson $136
Garland $136.50
Richmond $137
Irving $138
San Antonio $138
Arlington $138
Fort Worth $139
Amarillo $140
Carrollton $143.50
Missouri City $144
Katy $144
Grand Prairie $145
Dallas $145
Lubbock $146
Conroe $148
Denton $150
Humble $150
Beaumont $150
Waco $150
Houston $150
Spring $151.50
Mesquite $156
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Texas

The best rates are usually found by comparing prices among multiple insurance companies. Keeping a clean driving record also helps.

Other ways to save generally include:

  • Ask your agent to review available car insurance discounts to make sure you're not missing any.
  • Find out from your insurance agent how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Improve your credit. Drivers with poor credit usually pay more. Insurers generally use a credit-based insurance score when determining rates. 

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 25, 2018

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