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Among the most affordable car insurance providers in Texas are State Farm, Allstate, and Mile Auto.
Full-coverage car insurance in Texas averages $216 per month. That compares to a national average of $186. What you'll pay depends on multiple factors like your age, where you live, and your driving history. Getting quotes from several insurance companies is the most effective way to find your best rate.
We've organized the cheapest car insurance options in Texas by coverage type, driver characteristics, and provider.
Affordable full-coverage car insurance in Texas
Full-coverage insurance in Texas runs $216 monthly on average, compared to the national average of $186. Among the cheapest car insurance providers in the state, State Farm, Allstate, and Mile Auto stand out.
| Average monthly full coverage cost | |
| Texas average | $216 |
| National average | $186 |
| State Farm | $98 |
| Allstate | $138 |
| Mile Auto | $148 |
| USAA | $175 |
Affordable liability-only car insurance in Texas
For most affordable liability car insurance providers in Texas, consider State Farm, Mile Auto, and Allstate.
Liability-only coverage in Texas costs $119 monthly on average, while the national average sits at $104.
| Average monthly liability-only cost | |
| Texas average | $119 |
| National average | $104 |
| State Farm | $58 |
| Mile Auto | $70 |
| Allstate | $82 |
| USAA | $102 |
Cheap car insurance in Texas by age
Age plays a major role in insurance premium costs. Car insurance for teens carries the highest rates, averaging $426 monthly in Texas because of limited driving experience.
Drivers in their 20s see rates drop to around $289 per month. The trend continues as drivers enter their 30s and 40s, with average costs of $234 and $221 monthly.
Rates can climb again for drivers in their 60s and older. Texas seniors pay around $183 monthly in their 60s and $188 in their 70s.
These age-related premium changes reflect varying risk levels by age group. Younger drivers face higher rates due to inexperience, while older drivers may see increases tied to health considerations and driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $426 | $235 |
| 20s | $289 | $159 |
| 30s | $234 | $129 |
| 40s | $221 | $122 |
| 50s | $200 | $110 |
| 60s | $183 | $101 |
| 70s | $188 | $103 |
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Cheap car insurance in Texas for high-risk drivers
Having a moving violation or accident on your record typically means higher car insurance premiums. Here are Texas averages for drivers with an accident, speeding ticket, or DUI, based on rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $277 | $153 |
| Speeding ticket | $260 | $143 |
| DUI | $268 | $148 |
Compare low-cost car insurance after an accident
For Texas drivers with an accident on their record, State Farm, Allstate, and Mile Auto provide affordable options. Full-coverage premiums for drivers with an accident average $277 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $125 | $74 |
| Allstate | $178 | $105 |
| Mile Auto | $194 | $91 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Texas drivers with a speeding ticket can find affordable coverage through State Farm, Allstate, and Mile Auto. Full coverage for those with a speeding ticket averages $260 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $120 | $71 |
| Allstate | $172 | $102 |
| Mile Auto | $175 | $82 |
Compare low-cost car insurance after DUI conviction
Texas drivers with a DUI can secure affordable full coverage through State Farm, Allstate, and Mile Auto. The average full coverage rate for drivers with a DUI is $268.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $132 | $78 |
| Allstate | $186 | $110 |
| Mile Auto | $200 | $94 |
Cheap car insurance in Texas by credit score
Texas drivers with excellent credit pay around $188 monthly. Drivers with poor credit face higher rates starting at $270 per month.
The rate difference reflects how credit scores influence insurance pricing. Poor credit typically leads to higher premiums because insurers view it as an indicator of payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $188 | $104 |
| Good | $211 | $116 |
| Average | $225 | $124 |
| Poor | $270 | $149 |
FAQs
What makes car insurance more expensive in Texas compared to other states?
Texas ranks as one of the most expensive state for car insurance, primarily because nearly 85% of the state's population lives in densely populated urban areas like Houston, Dallas, and San Antonio where traffic congestion and accident rates are significantly higher. Additionally, Texas experiences diverse weather hazards including hurricanes along the Gulf Coast, hailstorms in the northern regions, and flooding, all of which increase claim frequency and repair costs for insurers operating in the state.
Does Texas require Personal Injury Protection (PIP) coverage on my policy?
Texas law requires insurance companies to offer Personal Injury Protection coverage to all drivers, but you are not required to purchase it. If you choose to decline PIP coverage, you must sign a written waiver with your insurance company. PIP covers medical expenses, lost wages, and funeral costs for you and your passengers regardless of who caused the accident, making it valuable protection in Texas's at-fault insurance system where uninsured motorist rates remain a concern.
Can Texas insurance companies raise my rates before the state approves the increase?
Yes, Texas has a unique regulation that allows insurance companies to implement rate increases immediately, even before the Texas Department of Insurance completes its review and approval process. This means Texas drivers may see premium hikes take effect faster than in other states. The state monitors loss ratios to ensure companies aren't charging excessive rates, but this regulatory structure can result in more frequent rate adjustments for policyholders.
Bottom line
These companies may offer the lowest rates in Texas overall, but that doesn't guarantee they're the cheapest option for your specific situation. Getting quotes from multiple providers and comparing them on both price and service is the most reliable way to find the right company for you.
Data throughout provided by Insurify.
Average rate:
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