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Cheapest Car Insurance in Texas [May 2026]

Finding the cheapest car insurance in Texas doesn't have to be complicated when you know where to look.

By Kristen Cervellini , Edited by Melinda Sineriz, ABFP®

Updated April 29, 2026

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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 $207 per month. That compares to a national average of $187. 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.

Cheapest full-coverage car insurance in Texas

Full-coverage insurance in Texas runs $207 monthly on average, compared to the national average of $187. Among the cheapest car insurance providers in the state, State Farm, Allstate, and Mile Auto stand out.

	Average monthly full coverage cost
Texas average	$207
National average	$187
State Farm	$84
Allstate	$118
Mile Auto	$134
USAA	$149

Cheapest 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 $111 monthly on average, while the national average sits at $98.

	Average monthly liability-only cost
Texas average	$111
National average	$98
State Farm	$44
Mile Auto	$63
Allstate	$62
USAA	$77

Why car insurance costs are higher in Texas than other states

Texas is one of the most expensive states for car insurance, largely because nearly 85% of residents live in densely populated metro areas like Houston, Dallas, and San Antonio, where heavy traffic and higher accident rates drive up risk. The state also faces a wide range of severe weather hazards that can make claims more frequent and costly. Hurricanes along the Gulf Coast can cause widespread vehicle damage from storm surge, high winds, and debris, while northern regions often see intense hailstorms that can dent or total cars in minutes. Flooding is another major concern across the state, damaging engines and electrical systems and often leading to total losses. Together, these weather risks increase both the likelihood and severity of claims, which sometimes contribute to higher-than-average car insurance costs for drivers.

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Cheapest car insurance in Texas by age

Age plays a major role in insurance premium costs. Car insurance for teens carries the highest rates, averaging $406 monthly in Texas because of limited driving experience.

Drivers in their 20s see rates drop to around $275 per month. The trend continues as drivers enter their 30s and 40s, with average costs of $221 and $210 monthly.

Rates can climb again for drivers in their 60s and older. Texas seniors pay around $176 monthly in their 60s and $186 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	$406	$218
20s	$275	$147
30s	$221	$119
40s	$210	$113
50s	$192	$103
60s	$176	$94
70s	$186	$100

Cheapest car insurance in Texas for high-risk drivers

Having a moving violation or accident on your record typically leads to higher car insurance premiums because insurers view you as a higher-risk driver; someone more likely to file future claims. In Texas, even a single incident can noticeably raise your rates, and the impact varies depending on the severity of the violation.

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	$275	$148
Speeding ticket	$260	$139
DUI	$286	$154

Compare cheap 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 $275 monthly.

Company	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$112	$59
Allstate	$159	$84
Mile Auto	$182	$85

Compare cheap 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	$107	$56
Allstate	$154	$81
Mile Auto	$163	$77

Compare cheap 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 $286.

Company	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$118	$62
Allstate	$166	$87
Mile Auto	$189	$89

Cheapest car insurance in Texas by credit score

Texas drivers with excellent credit pay around $185 monthly. Drivers with poor credit face higher rates starting at $259 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	$185	$99
Good	$203	$109
Average	$214	$115
Poor	$259	$139

Texas car insurance requirements

Texas law requires all drivers to carry minimum liability auto insurance, often called 30/60/25 coverage. This ensures you can cover damages you cause to others in an at-fault accident, though it doesn't protect your own vehicle or injuries.

Minimum required coverage includes:

$30,000 for bodily injury per person
$60,000 total for bodily injury per accident
$25,000 for property damage per accident

Texas insurers are also required to offer personal injury protection (PIP), which helps pay for your medical costs and lost income regardless of fault, though you can decline this coverage in writing. Overall, carrying at least the minimum coverage, and proof of it, is required to legally drive in Texas.

Tip

U.S. auto insurance isn't recognized in Mexico. Even if your policy offers limited coverage, it may not meet legal requirements, so you should look into a separate Mexican liability policy before driving there.

FAQs

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 cheapest 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.