Fast, Free Auto Insurance Quotes

Where drivers live in Texas and the auto insurance company they choose are major factors in finding cheap car insurance premiums. We reviewed insurance quotes from EverQuote users across fifty-one cities and thirty-three carriers in the Lone Star State to find the lowest costs. The rates were varied depending on where a driver lived. To be sure that you receive the cheapest car insurance in Texas, we recommend that you shop around and compare quotes. Enter your ZIP code above to start your search, or learn more about cheap insurance in Texas by reading the rest of EverQuote's study below.

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Cheapest Auto Insurance in Texas

To determine the lowest cost insurers in Texas, we looked at the average monthly car insurance payments reported by EverQuote users. The table belows shows our findings for the top thirty-three cheapest carriers in the Friendship State from lowest to highest. In order to produce a fair comparison of our numbers, we looked at the driver profile of a TX man with a clean driving record looking to cover a full-size or mid-size car.

Rank Car Insurance Carrier Average Yearly Cost Average Monthly Payment
1 Pronto $1,092 $91
2 AAA / Auto Club $1,296 $108
3 Farm Bureau $1,386 $116
4 Esurance $1,476 $123
5 State Farm $1,476 $123
6 Travelers $1,488 $124
7 Allstate $1,488 $124
State Average $1,488 $124

Fast, Free Auto Insurance Quotes

Once we compared the rates, we found that Pronto offers the cheapest car insurance in Texas, averaged across the entire state. The median yearly payment is $1,092, and the average monthly payment is only $91. Other cheap auto insurance options include AAA and Farm Bureau.

Cheapest Car Insurance in Texas by City}

We also did analysis on the rates in various cities and towns throughout Texas, for the same driver profile of a single man. Waco saw the cheapest car insurance quotes at an average yearly cost of $1,194. Odessa saw a higher rate at a median yearly cost of $1,752 and a monthly payment of $146. The major cities of Dallas, Houston and Austin all fell within the middle range of prices.

Rank CA City Average Yearly Cost Average Monthly Payment
1 Waco $1,194 $100
2 El Paso $1,200 $100
3 Galveston $1,248 $104
4 Bedford $1,284 $107
5 Wichita Falls $1,284 $107
6 Tyler $1,308 $109
7 Laredo $1,326 $111
8 College Station $1,356 $113
9 Grand Prairie $1,368 $114
10 Bryan $1,404 $117
11 Corpus Christi $1,404 $117
12 Garland $1,410 $118
13 Round Rock $1,422 $119
14 Amarillo $1,428 $119
15 Euless $1,440 $120
16 Killeen $1,440 $120
17 Austin $1,440 $120
18 Irving $1,444 $120
19 Arlington $1,452 $121
20 Richardson $1,464 $122
21 Carrollton $1,470 $123
22 Missouri City $1,470 $123
23 Midland $1,476 $123
24 Longview $1,476 $123
25 Pearland $1,488 $124
26 Plano $1,488 $124
27 San Marcos $1,488 $124
State Average $1,488 $124
28 Fort Worth $1,500 $125
29 Pasadena $1,500 $125
30 Mesquite $1,500 $125
31 Lewisville $1,506 $126
32 Abilene $1,512 $126
33 Dallas $1,512 $126
34 Lubbock $1,512 $126
35 Beaumont $1,512 $126
36 San Antonio $1,524 $127
37 Denton $1,530 $128
38 Frisco $1,554 $130
39 Richmond $1,566 $131
40 Spring $1,572 $131
41 Mc Kinney $1,584 $132
42 Cypress $1,596 $133
43 Humble $1,608 $134
44 Houston $1,608 $134
45 Baytown $1,614 $135
46 Conroe $1,614 $135
47 Pflugerville $1,620 $135
48 Desoto $1,680 $140
49 Tomball $1,698 $142
50 Katy $1,710 $143
51 Odessa $1,752 $146

Methodology For This Study

We analyzed self-reported monthly premiums from over two million users looking to save money on their auto insurance rates. This data, along with those users' current auto insurance company and ZIP code at the time of entry, allowed us to produce the analysis you see above. EverQuote users do differ from one another in many ways that can affect the price of car insurance. Because of this, we compared the premiums reported by a subset of users who are similar to one another in order to ensure a logical comparison of our numbers.