Main menu

Pages

Best Cheap Car Insurance in Texas for 2022

Nationally, USAA has the cheapest auto insurance rates. Not in Texas, though: at $994, State Farm's average rate is $51 less per year than USAA's and $388 less than the overall average car insurance cost of $1,382 in this state.

The most expensive insurer is Allstate, with an average rate of $2,210 per year. That's about 60% more than the state average.

These car insurance rates are based on study data, and your rates will be different.

COMPANY
AVERAGE RATE
State Farm
$994
USAA
$1,045
Farmers Insurance
$1,156
Geico
$1,251
Nationwide
$1,636
Allstate
$2,210
Average
$1,382

Texas Rates for Teen Drivers

COMPANY
17-YEAR-OLD FEMALE
17-YEAR-OLD MALE
Allstate
$4,990
$6,013
Farmers Insurance
$5,081
$5,464
Geico
$2,801
$2,991
Nationwide
$5,596
$7,218
State Farm
$2,558
$3,204
USAA
$2,356
$2,557
Statewide Average
$3,897
$4,575

Insuring teenagers is expensive. But as high as those numbers might look to you, Texas teens are actually getting off somewhat easy: The national average cost of car insurance for teens is $4,515 for females and $5,140 for males.

USAA has the lowest average rates in the Lone Star State, and Nationwide has the highest.

Texas Rates for Young Adults

COMPANY
25-YEAR-OLD FEMALE
25-YEAR-OLD MALE
Allstate
$2,503
$2,620
Farmers Insurance
$1,489
$1,609
Geico
$1,317
$1,327
Nationwide
$1,946
$2,126
State Farm
$1,019
$1,242
USAA
$1,230
$1,314
Statewide Average
$1,584
$1,706

On average, young adults with auto insurance coverage from Allstate pay noticeably more than the average for all drivers in the state, with rates that are $919 more for women and $914 more for men.

The least expensive insurance for young adults in Texas is from State Farm, which charges $565 less than the state average for young women and $464 less for young men.

Texas Rates for Seniors

COMPANY
60-YEAR-OLD FEMALE
60-YEAR-OLD MALE
Allstate
$2,015
$2,015
Farmers Insurance
$850
$960
Geico
$1,098
$1,259
Nationwide
$1,307
$1,407
State Farm
$882
$882
USAA
$901
$897
Average
$1,175
$1,237

On average, men pay about $62 more per month than women in this category.

State Farm is the least expensive insurance company, on average, for this age group in Texas. It offers the same average rate for both genders, at $882.

The most expensive insurer, Allstate, also has the same average rates for both senior women and senior men. Compared to the state average, their auto insurance coverage costs about 71% more and 63% more, respectively.

Texas Rates for Drivers With Poor Credit

COMPANY
AVERAGE ANNUAL RATE
USAA
$1,746
Farmers Insurance
$1,771
State Farm
$2,091
Nationwide
$2,400
Average
$2,428
Geico
$3,244
Allstate
$3,313

The average auto insurance rate in Texas is $1,382. If you have a poor credit score, you could pay $2,428, on average, which is almost 76% more.

For those with poor credit, the lowest average rate is from USAA and the highest is from Allstate.

Texas Rates for Good Drivers

COMPANY
AVERAGE ANNUAL RATE
State Farm
$994
USAA
$1,045
Farmers Insurance
$1,156
Geico
$1,251
Average
$1,382
Nationwide
$1,636
Allstate
$2,210

Obeying the rules of the road can pay off when it comes to how much you'll spend on auto insurance. A good driver might pay 28% less than the state average for good drivers if they are covered by State Farm.

The most expensive insurer for good drivers is Allstate, which asks for about 60% more per month than the state average rate.

Texas Rates After a Speeding Ticket

COMPANY
AVERAGE ANNUAL RATE
State Farm
$994
USAA
$1,176
Geico
$1,466
Farmers Insurance
$1,495
Average
$1,558
Nationwide
$2,005
Allstate
$2,210

Getting a speeding ticket in Texas will probably cost you more than just the ticket, as most auto insurance companies raise their rates for drivers caught speeding. Among companies in our study that charge more after a ticket, the average annual rates range from $1,176 for USAA to $2,005 for Nationwide. The lowest and highest in this category — $994 for State Farm and $2,210 for Allstate — remain unchanged from these companies’ rates for good drivers, as they don’t penalize drivers for a speeding ticket.

Texas Rates After an Accident

COMPANY
AVERAGE ANNUAL RATE
State Farm
$1,187
USAA
$1,593
Farmers Insurance
$1,628
Geico
$1,740
Average
$2,023
Nationwide
$2,560
Allstate
$3,429

Your insurance rate with the most expensive insurer on average, Allstate, will jump by 148% after you report an accident, when compared to the average state rate for drivers with a clean record.

By comparison, if you're insured by State Farm, the average rate is $1,187. That's about 14% lower than the overall state average rate for drivers with a clean driving record.

Texas Rates After a DUI

COMPANY
AVERAGE ANNUAL RATE
USAA
$1,560
State Farm
$1,625
Farmers Insurance
$1,687
Geico
$2,076
Average
$2,276
Nationwide
$3,142
Allstate
$3,568

Drinking and driving is a terrible idea in terms of public safety, and it doesn't do your auto insurance rates any favors, either. In Texas, Allstate will raise your rates by 158% after a DUI, on average, compared to the state average for a driver with a clean record.

USAA offers the lowest rate for drivers with a DUI, followed by State Farm.

How Much Is High Coverage Car Insurance in Texas?

COMPANY
AVERAGE ANNUAL RATE
State Farm
$1,061
USAA
$1,115
Farmers Insurance
$1,205
Geico
$1,358
Average
$1,454
Nationwide
$1,644
Allstate
$2,342

The Texas state average for high-coverage car insurance is $1,454 per year. You'll pay 61% more than that if you insure with Allstate, on average, and 27% less than that with State Farm.

How Much Is Minimum Coverage Car Insurance in Texas?

COMPANY
AVERAGE ANNUAL RATE
State Farm
$943
USAA
$1,006
Farmers Insurance
$1,130
Geico
$1,196
Average
$1,360
Nationwide
$1,723
Allstate
$2,162

On average, you'll pay $1,360 for minimum coverage in Texas. If you get your car insurance policy from State Farm, you'll pay roughly 31% less than that; with Allstate, you'll pay about 59% more.

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.


Is car insurance required in Texas?

Yes, the state of Texas requires drivers to prove they can pay for accidents when they're determined to be at fault. Generally, that means buying liability insurance in the following minimum amounts:

  • $30,000 per person for injuries
  • $60,000 total bodily injury or death per accident
  • $25,000 for property damage

Those who can't find a company to sell them insurance can apply for basic coverage through the Texas Automobile Insurance Plan Association.
It is possible to self-insure by depositing $55,000 in cash or securities with the state comptroller.

Which cars are required to be insured in Texas?

State law requires owners to insure their vehicles. You need proof of auto insurance to register a vehicle in Texas.

When should I get car insurance in Texas?

Once you move to Texas, you have 30 days to register your vehicle. Since you can't register without proof of insurance, you should apply within 30 days of moving.

How much car insurance do I need in Texas?

State law requires the following minimum insurance:

  • $30,000 per injured person
  • $60,000 for everyone injured in an accident
  • $25,000 for property damage

How much is car insurance in my city in Texas?

The city you live in will play a role in determining your auto insurance rate. The state capital, Austin, has the lowest average insurance cost (just $1 over the state average).

The most expensive insurance is in Houston, with an average rate that's $245 more than the state average rate. Dallas isn't far behind, at $240 more than the state average.

What happens if my car is not properly insured in Texas?

If you drive without being properly insured in Texas, you will be breaking the law. Insurance is legally required and you will likely get a ticket if you are pulled over.

A court of law could also fine you as much as $350. If you are pulled over again and still don’t have insurance, that fine could increase up to $1,000 and your license could be suspended.

Is Texas a no-fault state?

No. A driver who is determined to have caused an accident, or be "at fault," is liable for medical expenses and/or property damages resulting from the accident.

Do I need uninsured motorist coverage in Texas?

No, it is not required. However, an insurance company must offer uninsured motorist coverage as an option. If you don't want it, you have to indicate this in writing.

Is liability insurance required in Texas?

Yes, liability insurance is required in Texas..

Does Texas accept digital insurance cards?

Yes, state law allows drivers to display proof of insurance on a wireless device.

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from most of the largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 17, 25, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

reactions