Cheap Car Insurance in Texas 2019

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Cheapest car insurance in Texas

Average Texas auto insurance premiums by company

Company
(click to see reviews)

Average annual premium

American National

$1,560

American Alliance Insurance

$1,591

Allied

$1,630

Farm Bureau

$1,630

Auto-Owners Insurance

$1,639

The Hartford

$1,653

American Casualty

$1,660

Dairyland Insurance

$1,665

AAA Insurance/Auto Club

$1,675

21st Century Insurance

$1,696

American Family Insurance

$1,720

The General

$1,720

Safeway Insurance

$1,726

USAA

$1,731

Esurance

$1,737

Travelers Insurance

$1,746

Safeco

$1,762

MetLife

$1,779

Geico

$1,793

State Farm

$1,798

Allstate

$1,804

Farmers Insurance

$1,818

Amica

$1,823

Windhaven

$1,835

Mercury Insurance

$1,857

Nationwide Insurance

$1,876

Elephant Insurance

$1,891

Liberty Mutual

$1,897

Progressive Insurance

$1,904

Infinity Insurance

$2,036


Average premiums in Texas

Insurance increase after a speeding ticket

Texans who get a speeding ticket see an average premium increase of 27%.

State Clean driving record Speeding ticket % increase
Texas $1,773/year $2,244/year 27%
Nationwide average 26%

Insurance increase after an accident

Texas drivers who caused an accident got an average premium increase of 38%.

State Clean driving record Chargeable accident, no injury % increase
Texas $1,773/year $2,444/year 38%
Nationwide average 36%

Insurance increase after a DUI

If you're convicted of a DUI, the average insurance increase in Texas is 27%.

State Clean record DUI % increase
Texas $1,939/year $2,245/year 27%

Average premiums in Texas cities

City Average annual premium
Abilene

$1,683

Allen

$1,719

Alvin

$1,733

Amarillo

$1,748

Arlington

$1,752

Austin

$1,718

Baytown

$1,979

Beaumont

$1,977

Bedford

$1,719

Brownsville

$1,515

Bryan

$1,681

Burleson

$1,600

Carrollton

$1,767

Cedar Hill

$1,779

Cedar Park

$1,737

Cleburne

$1,693

College Station

$1,652

Conroe

$1,778

Corpus Christi

$1,907

Cypress

$1,806

Dallas

$1,819

Denton

$1,831

Desoto

$1,765

Dickinson

$1,756

Edinburg

$1,582

El Paso

$1,686

Euless

$1,569

Fort Worth

$1,762

Frisco

$1,835

Galveston

$1,742

Garland

$1,762

Georgetown

$1,757

Granbury

$1,594

Grand Prairie

$1,856

Harlingen

$1,506

Houston

$1,873

Humble

$1,846

Huntsville

$1,707

Hurst

$1,778

Irving

$1,730

Katy

$1,825

Keller

$1,664

Killeen

$1,868

Kyle

$1,834

Lancaster

$1,992

Laredo

$1,541

League City

$1,788

Leander

$1,899

Lewisville

$1,825

Longview

$1,693

Lubbock

$1,745

Lufkin

$1,775

Magnolia

$2,048

Mansfield

$1,786

Mc Kinney

$1,745

Mcallen

$1,697

Mesquite

$1,792

Midland

$1,809

Mission

$1,786

Missouri City

$1,849

Montgomery

$1,765

New Braunfels

$1,699

North Richland Hills

$1,669

Odessa

$1,905

Orange

$1,979

Pasadena

$1,774

Pearland

$1,850

Pflugerville

$1,833

Plano

$1,755

Port Arthur

$2,051

Richardson

$1,802

Richmond

$1,737

Rockwall

$1,705

Round Rock

$1,724

Rowlett

$1,758

San Angelo

$1,596

San Antonio

$1,756

San Marcos

$1,680

Sherman

$1,821

Spring

$1,850

Stafford

$1,751

Sugar Land

$1,777

Temple

$1,644

Texarkana

$1,806

Texas City

$1,780

The Colony

$1,802

Tomball

$2,998

Tyler

$1,613

Victoria

$1,737

Waco

$1,677

Waxahachie

$1,621

Weatherford

$1,690

Wichita Falls

$1,664

Wylie

$1,633

Texas insurance requirements

You must show an insurance ID card (or other proof of financial responsibility) if Texas if:

  • Law enforcement requests it
  • You renew vehicle registration

Penalties for not having auto insurance in Texas

  • First offense: punishable by a fine $175 to $350; if the person is economically unable to pay, fine may be reduced to less than $175
  • Subsequent offenses: fine of not less than $350 or more than $1,000

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 21, 2019

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