Cheap Car Insurance in Texas 2019

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If you're looking to find cheap car insurance in Texas, we're here to help. We've analyzed average premiums reported by EverQuote users so you can see how prices compare for Texas drivers. (See methodology at the bottom of the page.)

Sections:

  Texas vs. the U.S. average
 
Average Texas premiums by company
 
Insurance increases after a speeding ticket
 
Insurance increases after an accident
 
Insurance increases after a DUI
 
Average premiums for Texas cities
 
Finding cheaper Texas auto insurance

Texas vs. the U.S. average

Average premiums paid by Texans with good driving records are higher the national average:

  • $1,773/year Texas average.
  • $1,684/year national average.

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

Insurance increase in Texas after a speeding ticket

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

State Annual premium with clean driving record Annual premium with speeding ticket % increase
Texas $1,773 $2,244 27%
Nationwide average 26%

Insurance increases in Texas after an accident

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

State Annual premium with clean driving record Annual premium with an chargeable accident, no injury % increase
Texas $1,773 $2,444 38%
Nationwide average 36%

Insurance increases in Texas 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 $2,245 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

How to get cheaper Texas car insurance

  • Get car insurance quotes from multiple insurance companies.
  • Keep a clean driving record with no accidents, tickets or insurance claims.
  • Ask your insurance agent to review available car insurance discounts.
  • Increase the deductible for comprehensive and collision coverage, if you buy them.
  • Buy renters or homeowners insurance from your auto insurance company in order to get a "bundling" discount.
  • If you're buying a car, ask your agent to run quotes for the cars you're considering so you're not surprised by the insurance cost later.

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 Feb. 15, 2019

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