Texas Farm Bureau has the cheapest car insurance rates in Texas at $87 per month for a full-coverage policy. That’s 43%, or $777 per year, cheaper than the state average in Texas, which is $1,818 per year.
Our other picks for the best cheap car insurance companies in Texas are State Farm, Germania, Redpoint, and GEICO. You can find your cheapest company in Texas by comparing quotes from multiple providers.
Company | Average cost | |
---|---|---|
$87/month | ||
$90/month | ||
$112/month | ||
$113/month | ||
$122/month |
The cheapest car insurance companies in Texas
Texas Farm Bureau has the cheapest car insurance in Texas for most drivers. Texas Farm Bureau costs $777 less per year than the statewide average. It’s also the cheapest company for senior drivers in the Lone Star State. Plus, Texas Farm Bureau drivers get access to membership benefits, including discounts to retailers and auto manufactures.
At $90 per month, State Farm has some of the cheapest auto insurance in Texas. On average, State Farm is $744 cheaper per year than the statewide average in Texas. State Farm is also one the cheapest auto insurance companies in Texas for drivers with violations on their records.
Germania Insurance only operates in Texas, so it’s a good choice for drivers looking for a local company with experience in the Lone Star State. The average cost of car insurance from Germania is $112 per month, or $1,341 per year. That’s $477 less than average in the state.
Redpoint is the fourth-cheapest car insurance company in Texas. On average, coverage costs $113 per month, or $1,356 per year. That’s $462 cheaper per year than the statewide average.
As Redpoint is known for covering drivers who might have trouble getting insured from another company, we found that it usually has some of the best rates after an accident or a ticket. We also found that Redpoint has the lowest average rates for drivers with bad credit.
GEICO is our pick for the fifth-cheapest car insurance in Texas. The average cost of insurance from GEICO is $122 per month, or $1,458 per year. GEICO is also our top pick for overall best car insurance companies.
Cheapest car insurance companies by age in Texas
Teens and young adults don’t have much driving experience, which means they are more likely to be in an accident than older drivers. Because of this, it can be harder for young adult drivers to find cheap car insurance.
We found that Redpoint has the cheapest average car insurance rates in Texas for younger drivers.
Age | Cheapest company | Average cost |
---|---|---|
16 | Redpoint County Mutual | $1,356 |
35 | Farm Bureau | $1,031 |
18 | Redpoint County Mutual | $1,356 |
45 | Farm Bureau | $1,031 |
21 | Redpoint County Mutual | $1,356 |
55 | Farm Bureau | $893 |
25 | State Farm | $1,233 |
60 | Farm Bureau | $862 |
30 | Farm Bureau | $1,063 |
65 | Farm Bureau | $844 |
70 | Farm Bureau | $846 |
Choosing the right car insurance company in Texas
Choosing the best car insurance company for you doesn’t have to be an overwhelming experience. There are several factors to consider, including:
Cost: Finding the company that has the best rates and the most available discounts can help keep your insurance costs low.
Coverage: Having enough coverage is vital. If you don’t have enough liability coverage you'll still be held accountable for damage that goes beyond your coverage levels, so having the highest levels of liability coverage you can afford is an important consideration when choosing a policy.
Customer service: Feeling valued by your insurance company is an important part of choosing coverage. Having an insurance company that treats you with respect can be worth paying a little more for insurance.
Are you ready to start shopping for insurance? Our insurance experts at Policygenius are ready to help you find the right insurance coverage for your needs
Car insurance rates for drivers with driving violations in Texas
Because your driving history is one of the biggest factors insurance companies use to help determine your rates, a single accident or a traffic ticket could cause your insurance to increase substantially. This means that avoiding accidents and violations is one of the best ways to keep your insurance costs low.
The cheapest car insurance in Texas for drivers with an accident or driving violation on their records is State Farm or Redpoint.
Violation | Farm Bureau | State Farm | Germania Insurance | Redpoint County Mutual | GEICO | USAA |
---|---|---|---|---|---|---|
At-fault accident | $1,761 | $1,280 | $1,821 | $1,356 | $2,231 | $2,460 |
DUI | $2,162 | $1,697 | $3,028 | $1,356 | $2,451 | $2,436 |
Suspended license | $1,133 | $1,488 | $2,424 | $1,356 | $2,451 | $2,261 |
Open container | $2,162 | $1,612 | $1,434 | $1,356 | $2,451 | $1,849 |
Expired registration | $1,133 | $1,091 | $1,434 | $1,356 | $1,718 | $1,849 |
Driving without lights | $1,133 | $1,091 | $1,434 | $1,356 | $1,718 | $1,849 |
Running a red light | $1,133 | $1,091 | $1,434 | $1,356 | $1,718 | $1,849 |
Following too closely | $1,133 | $1,091 | $1,434 | $1,356 | $1,718 | $1,849 |
Hit and run | $1,133 | $1,697 | $3,028 | $1,356 | $2,451 | $2,436 |
Not-at-fault accident | $1,133 | $1,091 | $1,491 | $1,356 | $1,442 | $1,635 |
Passing a school bus | $1,133 | $1,091 | $1,434 | $1,356 | $1,718 | $1,849 |
Reckless driving | $1,133 | $1,697 | $3,028 | $1,356 | $2,451 | $2,436 |
Speeding | $1,133 | $1,091 | $1,434 | $1,356 | $2,451 | $1,849 |
→ Read more about finding SR-22 insurance in Texas
Cheapest car insurance for drivers with bad credit in Texas
Drivers with poor credit histories and low credit scores can expect to pay more for their insurance than drivers with high credit scores. Working to improve your credit score is one way to lower your insurance rates.
On average, the company with the cheapest car insurance in Texas for drivers with poor credit is Redpoint.
Company | Rates for drivers with bad credit |
---|---|
Redpoint County Mutual | $1,356 |
Farm Bureau | $2,606 |
Germania Insurance | $2,638 |
Auto Club | $2,728 |
Southern County Mutual | $2,860 |
Car insurance costs in Texas cities
Local factors like crime rates, population density, or the number of accidents in a given area all impact the cost of insurance.
Here are the rates for the ten largest cities in Texas, based on population.
Houston: $2,231
San Antonio: $1,938
Dallas: $2,170
Austin: $1,836
Fort Worth: $1,888
El Paso: $1,790
Arlington: $1,906
Corpus Christi: $1,889
Plano: $1,877
Laredo: $2,032
Buying car insurance in Texas
Texas requires everyone who owns a vehicle in the state to be able to pay for damage they may cause in an accident. The best way to meet this requirement is to have car insurance.
Texas minimum levels of liability insurance are:
$30,000 per person/$60,000 per accident for bodily injury liability
$25,000 for property damage liability
Drivers who don’t have at least the minimum levels of insurance or higher and cause an accident will receive a citation.
Uninsured drivers may also have their driver’s license suspended for up to two years or face other penalties. This hasn’t stopped some people, however, and about 20% of Texas drivers are uninsured. [1]
Texas only requires drivers to purchase basic bodily injury and property damage liability coverage. This means drivers who purchase the minimum required levels of insurance have no coverage for damage to their own vehicle and they have no protection against uninsured or underinsured motorists.
Comprehensive and collision coverage will pay to repair or replace your vehicle in the event of a covered peril, while uninsured and underinsured motorist coverage will protect you if the person who hits your car doesn’t have insurance. These coverages can be purchased for an additional cost as part of your insurance policy.
While some states have programs that allow low income residents to purchase insurance at reduced rates, Texas is not one of them.
Texans who are looking for cheaper car insurance should work with an insurance expert to compare quotes from multiple companies to make sure they are getting the lowest possible rate.
How to get cheap car insurance in Texas
Most insurance companies have a variety of discounts available to their customers, including:
Good student discount - Students who maintain a B average or higher can earn up to 15% off of their car insurance.
Bundling discount - Insurance companies typically offer a substantial discount to customers who carry multiple insurance policies (home, auto, renters, etc.) through the same company.
Safe driver discount - Taking a safe driver course can sometimes earn drivers a discount on their insurance, but some companies offer discounts on your premium for drivers who maintain a clean driving record for three years or more.
Group discount - Insurance discounts are often available to people based on profession. For example, teachers are often given a discount on their car insurance. Some insurance companies also partner with larger employers and offer discounts as part of an employee benefits package.
Low mileage discount - Insurance companies often charge lower rates for drivers who have short commutes.
Military discount - Many insurance companies offer a discount to active military members and their families.
Drivers who don’t qualify for these discounts or want even lower insurance rates can work to improve their credit score, clean up their driving record and compare quotes from multiple companies to make sure they are getting the cheapest price for their car insurance.
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