How Much Is Texas Car Insurance?

Average Monthly Rate
Quotes Today
Agents in the State
Get quotes in less than 3 minutes

Recent Quotes

  • Everest $195/mo

    2016 Hyundai Elantra Gt - TX

  • Metlife $99/mo

    2016 Nissan Versa - TX

  • Dairyland $93/mo

    2013 Kia Soul - TX

  • Infinity $142/mo

    2017 Mitsubishi Lancer - TX

  • Infinity $122/mo

    2014 Nissan Maxima - TX

  • Everest $67/mo

    2011 Toyota Rav4 - TX

  • ClearCover $39/mo

    2012 Ford Escape - TX

  • Everest $111/mo

    2017 Nissan Altima - TX

  • Metlife $111/mo

    2020 Toyota Corolla - TX

  • ClearCover $156/mo

    2007 Dodge Caliber - TX

  • Safe Auto $186/mo

    2017 Ford Mustang - TX

  • Safe Auto $105/mo

    2018 Ford Explorer - TX

Affordable Car Insurance in Texas

You’re a smart, savvy shopper. We get that. You don’t visit the airport when you need to book a trip, you use TripAdvisor.com or Expedia.com. Car insurance is no different. We’ll help you quickly figure out who offers the best car insurance in Texas for your smart, savvy self.

We are carrier-neutral because our customer is you. Have no fear of the unknown after reviewing the data points provided here, especially when purchasing car insurance for the first time. You will be armed and prosperous! And then you can get on with your life. 

Texas car insurance

Cheapest Auto Insurance Rates in Texas

Carriers look at multiple variables when determining your insurance rate. Your age, location, driving history, and state requirements are all factors in determining the price you pay. We used our in-house reporting to determine the companies that offer the cheapest car insurance rates in Texas. USAA came in with the lowest rate currently available in Texas at $112.36 per month. Followed by Texas Farm Bureau Group at $123.72 per month and State Farm at $125.07 per month.

Lowest Rate

USAA

$112.36
Highest Rate

Home State Ins Group

$416.95
Average Rate

Texas

$137
RankCompanyAvg monthly rate
1 USAA $112.36 / month
2 Texas Farm Bureau Group $123.72 / month
3 State Farm $125.07 / month
4 Pure Companies Grp $133.10 / month
5 GEICO $155.59 / month
6 Chubb $172.50 / month
7 SafeAuto $175.09 / month
8 Progressive $179.34 / month
9 Republic Indemnity $180.91 / month
10 Safeco Insurance Co. $182.23 / month
11 Nationwide $183.82 / month
12 Esurance $188.37 / month
13 National General $191.41 / month
14 MetLife Auto & Home $201.90 / month
15 Mercury Insurance $204.19 / month
16 Bristol West $206.45 / month
17 Encompass $213.54 / month
18 GAINSCO Auto Insurance $215.28 / month
19 Allstate $222.29 / month
20 Mercury $226.17 / month
21 State Auto $261.01 / month
22 Unitrin $265.48 / month
23 Permanent General $284.91 / month
24 Metropolitan $290.62 / month
25 Safe Auto $294.41 / month
26 Infinity $324.66 / month
27 Jupiter Auto Insurance $339.43 / month
28 Loya Insurance $367.13 / month
29 Hallmark $373.11 / month
30 Home State Ins Group $416.95 / month

Top 10 Cheapest Cities for Car Insurance

If you are lucky enough to live in one of these cities you are likely paying some of the lowest car insurance rates available in Texas. According to our data, San Angelo comes in at the cheapest at only $97.39 per month. Other cities that made the top 10 list include San Marcos at $106.83 per month, Bryan at $107.60 per month, and Wichita Falls at $107.99 per month.

RankCityAvg monthly rate
1 San Angelo, TX$97.39 / month
2 San Marcos, TX$106.83 / month
3 Bryan, TX$107.60 / month
4 Wichita Falls, TX$107.99 / month
5 Waco, TX$109.42 / month
6 New Braunfels, TX$109.98 / month
7 Galveston, TX$110.57 / month
8 Texarkana, TX$113.21 / month
9 Abilene, TX$113.47 / month
10 Longview, TX$113.79 / month

Top 10 Most Expensive Cities for Car Insurance

These top 10 cities ranked as the most expensive places in Texas for car insurance. Location is a big factor when determining the price you pay for car insurance and these cities came in at the top. The Colony is the most expensive city in Texas at $152.28 per month. Second and third place goes to Cypress at $143.34 per month and Rowlett at $141.82 per month.

RankCityAvg monthly rate
1 The Colony, TX $152.28 / month
2 Cypress, TX $143.34 / month
3 Rowlett, TX $141.82 / month
4 Houston, TX $138.74 / month
5 Spring, TX $136.23 / month
6 Montgomery, TX $136.15 / month
7 Mckinney, TX $135.31 / month
8 Allen, TX $135.00 / month
9 Missouri City, TX $134.15 / month
10 Katy, TX $133.91 / month

Average Quotes by Top Companies

Rates can vary wildly from company to company. Here is a quick look at a few rates from some of the top car insurance companies in Texas.

Compare Recent Car Insurance Quotes in Texas

SmartFinancial helps thousands of drivers every day find and compare the best car insurance rates available. Here is a list of some recent quotes that we recently found for drivers in Texas.

CompanyMonthly rateVehicle
Everest $1952016 Hyundai Elantra Gt
Metlife $992016 Nissan Versa
Dairyland $932013 Kia Soul
Infinity $1422017 Mitsubishi Lancer
Infinity $1222014 Nissan Maxima
Everest $672011 Toyota Rav4
ClearCover $392012 Ford Escape
Everest $1112017 Nissan Altima
Metlife $1112020 Toyota Corolla
ClearCover $1562007 Dodge Caliber
Safe Auto $1862017 Ford Mustang
Safe Auto $1052018 Ford Explorer

Methodology

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Minimum Car Insurance Coverage in Texas

Every state requires drivers to have a minimum amount of liability coverage. Texas drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

icon
$30,000

Bodily injury coverage per person

Max. payment for a single person that you injure in an auto accident.

icon
$60,000

Bodily injury coverage per accident

Max. payment for all injuries that you cause in an accident when more than one person is hurt.

icon
$25,000

Property damage per accident

Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Texas, you are legally required to obtain something called liability insurance. This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

Since Texas is a “no-fault” state, drivers are financially responsible for any accidents they cause. Consider this: $30,000 is the maximum payment for property damage but you collide with a $40,000 vehicle. If you are found at fault, you are on the hook for any damages beyond $30,000. And, other drivers can sue you for those damages. Between this and the high cost of medical care, we recommend you carry more than the minimum required coverage!

While not legally required, drivers can also elect to carry full coverage insurance. For more information, read the SmartFinancial blog 10 Things to Consider when Shopping for a New Auto Insurance Policy.

Since you are smart and savvy, you should know that there are instances where your lender will require you to carry one of the optional coverages listed below (typically collision and comprehensive).

Optional Coverage in Texas

  • Comprehensive
  • Collision
  • Medical and Funeral Services
  • Personal Injury Protection (PIP)
  • Uninsured/Underinsured Motorist
  • Towing and Labor
  • Rental Reimbursement

Coverage for those who cannot afford or have otherwise been denied) auto insurance in Texas is available through the Texas Automobile Insurance Plan Association (TAIPA). Drivers qualify after being rejected by two insurance companies. For more information, visit the Texas Department of Insurance.

Texas Car Safety

Texas car safety

  1. Don’t drink or drug and drive
  2. Don’t cell phone and drive
  3. Don’t anything-that-might-cause-distracted-driving and drive

One

Driving in Texas with a blood alcohol content (including that from medications) at or below the set limits WILL put you at risk of being arrested for driving under the influence. The consequences are real, and they are as harsh as you would suspect. Visit our FAQ to learn the limits and possible consequences of a DUI conviction or refusal to submit a chemical test.

Two

Texting and driving in Texas can also have extreme consequences. Watch this video with your family to understand that what we often think is just a safe, quick glance could mean permanent damage, our own death or even homicide. The fact is, a one-second glance away from the road is what the Journal of Adolescent Health has deemed safe, but the average text message takes five seconds. You wouldn’t drink and drive, so don’t text and drive either.

Three Strikes You're Out

While it might seem like all of these driving laws go without saying, the statistics tell us otherwise. SmartFinancial encourages you to avoid all non-driving activities while driving. The more serious offenses could fall under Texas’ Three Strikes Law (see our FAQ for more information). Keep yourself, your passengers and other drivers safe by limiting your road activities strictly to driving while driving.

Car Safety for Texas Kids

Infants and toddlers up to 2 years old should be secured in a rear-facing car seat in the back seat of the vehicle in accordance with the manufacturer’s installation, restraint, and size limitation instructions. From then on, up until they reach the size limitation set by the seat’s manufacturer, children should be in a forward-facing car seat.

After outgrowing the car seat, which typically occurs at around 4 years of age and 40 pounds, a belt-positioning booster seat is required. Follow all product directions. Children may graduate to the vehicle’s seat belts when they can be properly secured by them. Generally, this is between 8 to 12 years old, when the child is at least 4′ 9” tall. At this height, kids should be able to sit up with their back flat against the seatback, their knees bent over the front of the seat, the shoulder belt crossing their shoulder and chest (not their neck or face), and the lap belt crossing over their upper thighs.

In some recent years, Texas has had more children die due to vehicular overheating than any other state. It's hot, the sunny climate creates significant risks. On a warm or hot day, or even on a mild day if the vehicle is sitting in the sun, the interior temperature can skyrocket well past the outdoor temperature in a matter of minutes. Children (and pets) can suffer dehydration, heat stroke, brain damage, and death.

Texas is one of the early adopters of laws specifically for this situation. As per State law, it’s illegal to leave a child under 7 years of age unsupervised in an auto for more than 5 minutes. Someone at least 14 years old must provide supervision. Violations are Class C misdemeanors; if a child suffers injury, it becomes a child endangerment felony, punishable by 6 months to 2 years in jail and up to $10,000 in fines.

icon
1,323

Fatal Accidents Testing Positive for Drug Involvement in Texas

icon
428,667

Annual Distracted Driving Related Crashes in Texas

icon
20

Years in Texas Prison for Vehicular Homicide Caused by a Drunk Driver

Driving Green in Texas

Driving green in Texas

With more than 675,580 miles of scenic road to cover, there is a large amount of driving being done in Texas. Here’s how you can do your part to “drive green.”

icon

Smog

Get your emissions checked annually prior to registration and registration renewal in the counties listed here.

For assistance in replacing your high emissions vehicle, visit Texas Commission on Environmental Quality.

icon

Littering

Avoid fines or jail time by not breaking the Texas littering laws.

icon

Clean Air Cars

Good news – your electric car is exempt from the annual emissions test!

For more information on Texas’ efforts (and nationwide efforts) to promote hybrid and electric vehicles, visit www.ncsl.org.

Texas Car Insurance FAQ

Texas car insurance FAQ

Will my credit score be used to obtain car insurance in Texas?

Yes and, unfortunately, car insurance companies in your state do not have to reveal to you how they are going about setting your rate. Here are a few things you can do to keep your rate down.

Is there a good-driver discount law in Texas?

It is always best to ask your selected car insurance company about good-driver and other discounts to obtain cheap auto insurance in Texas! Possible discounts include:

  • Driver education
  • Good student
  • Multi-car
  • Homeowner’s
  • Defensive driver
  • Safety device
  • Students with good grades
  • Anti-theft

For more ways to obtain cheap car insurance in Texas, visit the Texas Department of Insurance website.

Can I use my digital insurance card in Texas?

Yes! Getting pulled over in Texas is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!

What is uninsured motorist coverage and is it required in Texas?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs. It is an optional coverage in Texas!

What happens if I don’t have insurance or my coverage lapses?

Since liability insurance is a minimum requirement in your state (and most others), there are penalties for being caught driving without it. The fines are as high as $350 and you may be deemed high risk (SR-22) when you go to purchase car insurance after, making your premiums more expensive. Don’t take the chance!

What are Texas' blood alcohol concentration (BAC) percentages limits under the driving under the influence (DUI) laws?

It is illegal for an individual to operate a motor vehicle in Texas with the following BAC percentages:

.08%+ @ 21 years old or older
.04%+ for commercial vehicle drivers
.01%+ @ < 21 years old

What are the chemical test refusal penalties in Texas?

According to Texas’ implied consent civil penalty, all drivers are required to take a breath or blood test upon being asked. If you refuse the test, you will face a license suspension called Administrative License Revocation (ALR).

The refusal penalties (driver’s license suspension) are the same for minors and adults:

  • First Offense: Suspended license for 180 days
  • Second Offense: Suspended license for 2 years

What are the consequences of being convicted of a DWI in Texas?

If convicted of a DWI/DUI, say goodbye to being financially savvy, and quite possibly, to your freedom. If arrested, you’ll face varying degrees of jail time, fines, driver’s license suspensions, community service, DWI school, and reinstatement requirements. The financial obligations extend beyond the DWI ticket to court costs, attorney fees, higher insurance rates, SR-22 filing and the installation of an Ignition Interlock Device (IID) to serve as a breathalyzer test each time you start your vehicle. The penalties worsen with each offense.

What does Texas' Three Strikes Law state?

The three-strikes law provides for harsher sentencing after committing three crimes. In Texas, there are cases with mandatory life sentences for three strikes. None of the three felony convictions are required to be violent, so even misdemeanors count.

Now included in the three strikes law in Texas: marijuana convictions. The mandatory prison sentence is 60 months.

We know you’ll concur, there is no text message, sandwich or other distraction worth the life of another person, and your own freedom.

What is uninsured motorist coverage and is it required in Texas?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs. It is an optional coverage!

Compare Car Insurance Rates in Texas for Free.

Get Quotes in Texas in less than 3 minutes.

Welcome to
Texas
State seal