Best car insurance in Texas (TX) July 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 10:01 a.m. UTC July 1, 2024
Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy.
Texas Farm Bureau Insurance has the best car insurance in Texas. It gets top marks in our rating for having the most affordable car insurance for Texas drivers with a clean record and for having a very low level of customer complaints.
Germania, State Farm and Mercury also offer top-rated car insurance in Texas.
The best car insurance companies in Texas 2024
- Texas Farm Bureau Insurance: Best car insurance in Texas.
- USAA: Best car insurance for military in Texas.
- Germania: Best for customer satisfaction.
- State Farm: Best for teen drivers in Texas.
- Mercury: Great for drivers with poor credit.
Why trust our car insurance experts
Our team of car insurance experts has decades of experience as licensed property and casualty experts, insurance editors and consumers. We approach car insurance analysis as if we were shopping for ourselves or our family members, focusing on rates, coverage and features available, customer complaints and the collision repair process.
Using a data-driven methodology, we evaluate hundreds of auto insurance products, analyze thousands of data points and rate each insurer to help you find the best car insurance product for your situation. Advertisers never influence our editorial content. You can read more about our methodology below.
- 14 Texas car insurance companies reviewed.
- 98 Texas car insurance rates analyzed.
- 5 levels of fact-checking.
Compare cheap car insurance rates for Texas
Top-rated car insurance companies in Texas
Compare the best car insurance companies in Texas
| TEXAS CAR INSURANCE COMPANY | OUR RATING | AVERAGE MONTHLY COST OF CAR INSURANCE IN TEXAS | CUSTOMER COMPLAINTS | LEARN MORE | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
 Texas Farm Bureau | $86 | Very Low | Compare Rates Compare rates offered by participating partners | |||||||
| ||||||||||
| $134 | Average | Compare Rates Compare rates offered by participating partners | ||||||||
| ||||||||||
 Germania | $187 | Very Low | Compare Rates Compare rates offered by participating partners | |||||||
| ||||||||||
| $144 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
| ||||||||||
| $171 | Very Low | Compare Rates Compare rates offered by participating partners | ||||||||
|
How much does car insurance cost in Texas?
Car insurance in Texas costs $2,554 per year, or about $213 per month for good drivers with a clean record.
How much you’ll pay for car insurance in Texas depends on various factors, primarily your driving record. If you’re at fault for an accident resulting in injuries, for instance, your average car insurance rate in Texas goes up to $4,087 per year.
Other factors that affect the cost of car insurance in Texas include the following:
- Age.
- Gender.
- Coverages.
- Deductible amounts.
- ZIP code.
- Vehicle type.
- Credit score.
Average cost of car insurance in Texas by driver profile
| Driver profile | Average annual cost | Average monthly cost |
|---|---|---|
| Good driver | $2,554 | $213 |
| After a speeding ticket | $3,008 | $251 |
| After an accident with property damage | $4,102 | $342 |
| After an accident with injury | $4,087 | $341 |
| After a DUI | $3,727 | $311 |
| After a gap in coverage | $3,197 | $266 |
| Adding a 16-year-old | $6,137 | $511 |
| High-risk driver | $3,854 | $321 |
| Poor credit | $4,999 | $417 |
Looking to save on car insurance? Car insurance discount guide
Average cost of car insurance in Texas by city and company
Here’s how much companies charge for good drivers with a full coverage policy in five major cities in Texas.
Cheapest car insurance in Texas for a full coverage policy
Texas Farm Bureau Insurance is the cheapest car insurance in Texas for good drivers with a full coverage car insurance policy.
| TEXAS CAR INSURANCE COMPANY | AVERAGE MONTHLY CAR INSURANCE COST | AVERAGE ANNUAL CAR INSURANCE COST | AVERAGE ANNUAL SAVINGS FROM STATEWIDE AVERAGE | LEARN MORE | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Texas Farm Bureau | $86 | $1,031 | $1,523 | Compare Rates Compare rates offered by participating partners | ||||||
| ||||||||||
| $134 | $1,604 | $950 | Compare Rates Compare rates offered by participating partners | |||||||
| ||||||||||
| $144 | $1,729 | $825 | Compare Rates Compare rates offered by participating partners | |||||||
| ||||||||||
| $171 | $2,050 | $494 | Compare Rates Compare rates offered by participating partners | |||||||
| ||||||||||
| $178 | $2,134 | $410 | Compare Rates Compare rates offered by participating partners | |||||||
| ||||||||||
 Auto Club | $187 | $2,244 | $310 | Compare Rates Compare rates offered by participating partners | ||||||
| ||||||||||
| Germania | $187 | $2,245 | $309 | Compare Rates Compare rates offered by participating partners | ||||||
| ||||||||||
 National General | $191 | $2,297 | $257 | Compare Rates Compare rates offered by participating partners | ||||||
|
Cheapest car insurance by driver profile
- After a speeding ticket.
- After an accident.
- After a DUI.
- With poor credit.
- After a gap in coverage.
- High risk.
- 16-year-old driver added to parent policy.
Cheapest car insurance after a speeding ticket in Texas
If you got a speeding ticket and your rates went up, consider getting car insurance quotes from Texas Farm Bureau Insurance. You should also get a quote from State Farm, which has the second lowest rates for Texas drivers with a speeding ticket on their record.
| CAR INSURANCE COMPANY | AVERAGE ANNUAL CAR INSURANCE RATE | AVERAGE MONTHLY CAR INSURANCE RATE |
|---|---|---|
Texas Farm Bureau Insurance
| $1,031
| $86
|
$1,732
| $144
| |
$1,814
| $151
| |
Germania
| $2,245
| $187
|
Texas average
| $3,008
| $251
|
Compare car insurance quotes
Get rates offered by participating partners to find the best car insurance for you.
Cheapest car insurance after an accident in Texas
If you’re at fault for a car accident, you’ll likely see your rates go up. Texas Farm Bureau Insurance has the cheapest annual rates for Texas drivers who are at fault for an accident with injuries or property damage. State Farm also has average annual rates under $2,000 per year for drivers in this category.
Cheapest car insurance after an accident with injuries
| COMPANY | AVERAGE ANNUAL CAR INSURANCE RATE | AVERAGE MONTHLY CAR INSURANCE RATE |
|---|---|---|
Texas Farm Bureau
| $1,616
| $135
|
$1,998
| $167
| |
$2,558
| $213
| |
Texas average
| $4,087
| $341
|
Compare car insurance quotes
Get rates offered by participating partners to find the best car insurance for you.
Cheapest car insurance after an accident with property damage
| COMPANY | AVERAGE ANNUAL CAR INSURANCE RATE | AVERAGE MONTHLY CAR INSURANCE RATE |
|---|---|---|
Texas Farm Bureau
| $1,616
| $135
|
$1,998
| $167
| |
$2,558
| $213
| |
Texas average
| $4,102
| $342
|
Compare car insurance quotes
Get rates offered by participating partners to find the best car insurance for you.
Cheapest car insurance after a DUI in Texas
Drivers will struggle to find cheap car insurance after a DUI, but there are insurers out there that are willing to give you a second chance.
If you’re a Texan with a DUI, your best bet is Texas Farm Bureau Insurance. State Farm is also worth considering, though its average monthly rate is $47 more than that of Texas Farm Bureau Insurance.
Cheapest DUI car insurance in Texas
| COMPANY | AVERAGE ANNUAL CAR INSURANCE RATE | AVERAGE MONTHLY CAR INSURANCE RATE |
|---|---|---|
Texas Farm Bureau Insurance
| $1,742
| $145
|
$2,307
| $192
| |
$2,350
| $196
| |
$2,814
| $235
| |
Texas average
| $3,727
| $311
|
Compare car insurance quotes
Get rates offered by participating partners to find the best car insurance for you.
Cheapest car insurance with poor credit in Texas
In Texas, insurers can use elements of your credit score in order to help determine your car insurance rate. If you have poor credit in Texas, get quotes from Texas Farm Bureau Insurance.
USAA and Mercury offer the next cheapest rates for drivers with poor credit in Texas.
Compare car insurance quotes
Get rates offered by participating partners to find the best car insurance for you.
Cheapest car insurance after a gap in coverage in Texas
If you let your coverage lapse, you may see a higher rate when re-enroll. Texas Farm Bureau Insurance has the cheapest car insurance for drivers with a gap in coverage. USAA and State Farm also offer car insurance for less than $2,000 per year for drivers with a gap in coverage.
| COMPANY | AVERAGE ANNUAL CAR INSURANCE RATE | AVERAGE MONTHLY CAR INSURANCE RATE |
|---|---|---|
Texas Farm Bureau Insurance
| $1,304
| $109
|
$1,712
| $143
| |
$1,732
| $144
| |
Texas average
| $3,197
| $266
|
Compare car insurance quotes
Get rates offered by participating partners to find the best car insurance for you.
Cheapest car insurance for high-risk drivers in Texas
Insurance providers might consider you a high risk for a number of reasons: You have speeding tickets, have been at fault in accidents, have a DUI, have poor credit, etc. Some insurance providers may also consider teens and seniors high risk solely because of their age.
Texas Farm Bureau offers affordable car insurance for high-risk drivers in Texas.
USAA, which is only available to members of the military community, also offers lower-than-average rates.
| COMPANY | AVERAGE ANNUAL CAR INSURANCE RATE | AVERAGE MONTHLY CAR INSURANCE RATE |
|---|---|---|
Texas Farm Bureau Insurance
| $1,607
| $90
|
$2,328
| $194
| |
Germania
| $3,115
| $260
|
State average
| $3,854
| $321
|
Compare car insurance quotes
Get rates offered by participating partners to find the best car insurance for you.
Cheapest car insurance for adding a teen driver in Texas
Car insurance is high for teens, but if you have a teen driver in the house, adding them to your policy can lower their coverage costs.
Texas Farm Bureau Insurance offers the cheapest rates for adding a 16-year-old to your policy, costing $174 per month.
State Farm offers the second-cheapest rates — an average of $321 per month.
Cheapest car insurance for adding a 16-year-old to a parent policy
| COMPANY | AVERAGE ANNUAL CAR INSURANCE RATE | AVERAGE MONTHLY CAR INSURANCE RATE |
|---|---|---|
Texas Farm Bureau Insurance
| $2,092
| $174
|
$3,856
| $321
| |
$3,956
| $330
| |
State average
| $6,335
| $528
|
Compare car insurance quotes
Get rates offered by participating partners to find the best car insurance for you.
Car insurance in Texas vs. other states
Here’s how much car insurance costs in Texas in comparison to other states for good drivers with a full coverage policy.
Car insurance requirements in Texas
Texas state law requires that all drivers carry at least a minimum amount of liability insurance.
Specifically, drivers need at least the following:
- $30,000 in bodily injury liability coverage per person.
- $60,000 in bodily injury liability coverage per accident.
- $25,000 in property damage liability coverage per accident.
If you’re checking your state’s department of motor vehicles or getting quotes online, you may see this presented as a 30/60/25 liability insurance policy. Insurance companies licensed in the state of Texas will know what minimum coverage you need.
How can I lower my car insurance in Texas?
The cost of car insurance in Texas can be high, but we’ve got a few tips to help you find the best car insurance for the right price while still maintaining the coverage you need.
Switch policies
Staying with your current insurance provider may earn you a loyalty discount or a vanishing deductible, but even then, you might be spending too much money on car insurance. At the very least, it never hurts to shop around when your policy is up for renewal.
Use our rating of the cheapest car insurance companies in Texas to begin comparing Texas auto insurance companies and get car insurance quotes for the same level of coverage (same limits, same deductibles) to see how much you could save. You can also use an online insurance marketplace or work with an independent insurance agent to compare rates.
Take advantage of discounts
Your insurance provider likely offers a lot of discounts that are easy to qualify for. Talk with your agent or review your policy to see which you’re already getting — and which you might be able to add.
Discounts vary by insurer, but these are some of the most common:
- Multi-policy: Bundling your home and auto insurance can usually result in decent discounts for both policies. Not a homeowner? Many insurance companies offer the same deal for condo and renters insurance.
- Multi-vehicle: Even if you and your partner like to keep your finances separate, you both might be able to save some cash by putting your cars on the same policy.
- Usage-based insurance: Taking part in an insurance company’s usage-based insurance policy means they’ll monitor your driving habits — and reward you for being a safe driver. Careful, though: Unsafe driving can actually result in a rate increase.
- Defensive driving course: Want to lower your premium? Most insurers will offer a rate decrease for several years if you complete an approved defensive driving course.
- Paying in full: Rather than pay your premium every month, write one big check (or arrange for one major ACH withdrawal) at the start of the policy. Insurers usually offer discounts when you pay in full upfront.
Fine-tune your coverages
You can get a lower car insurance rate by decreasing your limits, raising your deductible and dropping coverages you don’t need.
For instance, if you have an old car with a lot of miles on it, rethink the high limits you might have on comprehensive and collision. If the limit is higher than the vehicle is even worth, you’re paying for too much coverage. Drop the limits, and watch your premium fall.
On the flip side, raising your deductible — the amount of money that’s deducted from your claim payout — can significantly lower your monthly insurance costs. Look at the deductibles on your current plan. If you could afford to spend a little more in the event of an accident, raise your deductibles. Doing so is one of the best ways to lower your car insurance premium.
Finally, coverages like rental car reimbursement, mechanical breakdown insurance and emergency roadside assistance are nice. But if you’re struggling to afford car insurance and looking to trim costs, cut these out of your policy to lower your rates.
Expert tip: The more you raise your deductible the more you’ll have to pay out of pocket after an accident. When selecting a deductible, make sure it’s not too high that you can’t cover it should you need to file a claim.
Methodology
Our team of insurance experts evaluated 14 Texas car insurance companies to determine those that offer the best coverage based on average rates and consumer complaints. Based on the following factors, each insurer was eligible for up to 100 points.
- Cost: 60 points. Analysis of Quadrant Information Services rates for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage. We also analyzed average rates for various driver profiles and identified the best cheap insurer for each.
- Driver with an accident, speeding ticket or DUI on their record.
- Driver with a gap in coverage.
- Teen drivers added to a parent’s policy.
- High-risk driver.
- Customer complaints: 40 points. We looked at data from the National Association of Insurance Commissioners (NAIC), which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s department of insurance — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.
Best car insurance in Texas FAQs
Car insurance costs $2,554 per year, or $213 per month in Texas for good drivers. Rates vary by where you live, your driving record, age, credit history and more.
Looking to save on car insurance? How to lower car insurance in 2024
Texas Farm Bureau Insurance offers the cheapest car insurance in Texas for good drivers, costing an average of $86 per month. It also has the cheapest car insurance for many other drivers, including those with a speeding ticket or accident on their record.
Minimum car insurance coverage in Texas costs an average of $796 per year. The minimum car insurance requirements in Texas are:
- 30,000 in bodily injury/death coverage per person.
- 60,000 in bodily injury/death coverage per accident.
- 25,000 in property damage coverage per accident.
This policy, also known as a 30/60/25 liability policy, will allow you to drive on Texas roads legally, but it will only cover injuries and property damage to others if you’re at fault for an accident. It won’t cover medical bills for you or your passengers or repairs to your vehicle after a collision or other incident, such as a tree falling on your car or theft.
Vehicle registration in Texas costs between $50.75 and $840. Most drivers will pay either $50.75 (vehicles 6,000 pounds or less) or $54 (vehicles between 6,001 and 10,000 pounds), plus applicable fees including local county fees. Rates go up from there, depending on vehicle weight.
It costs $6.50 to get a replacement license plate in Texas. That includes a $6 plate fee and a $0.50 automation fee.
Texas Farm Bureau Insurance is our top-scoring car insurance company in Texas. The best car insurance policy in Texas will depend on your coverage needs and driver profile. You’ll likely want more than the Texas state minimum car insurance requirements, so you aren’t stuck footing as much of the bill if you’re at fault for an expensive accident.
Texas Farm Bureau Insurance has the best and most affordable car insurance for most drivers in Texas.
USAA and State Farm are also top-performing Texas car insurance companies and, like Texas Farm Bureau Insurance, have average car insurance rates under $2,000 per year for good drivers in Texas.
To find the best car insurance companies in Texas, compare car insurance quotes from multiple companies using the same coverage levels and deductibles to ensure you get an apples-to-apples comparison. This can help you determine the best company, coverage, and price to meet your needs.
No, Texas is an at-fault state, meaning the driver who is responsible for causing the accident has to pay for damage and injuries to the other party.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
