Cheapest Car in Insurance in Texas
The cheapest car insurance in Texas for you depends on your driver profile, but for the average driver, State Farm has the lowest rates for a full coverage policy, among those surveyed by Insurance.com. The Texas Farm Bureau is second-cheapest and Geico is third. Full coverage is typically required if you have a car loan, or lease, and is recommended if you have a newer car, and if you own a home and have savings to protect. Rates below are for $100,000 for each person injured in an accident you cause, up to $300,000 per accident, with $300,000 in property damage, with comprehensive and collision insurance.
- State Farm: $1,421
In 2020, State Farm had the cheapest car insurance for Texas drivers, among those surveyed by Insurance.com.
- Texas Farm Bureau: $1,465
In 2020, the Texas Farm Bureau ranked second for the cheapest car insurance.
- Geico: $1,539
In 2020, in Texas Geico was the third-cheapest car insurance company.
- Colonial: $1,663
In 2020, Colonial ranked fourth for the cheapest car insurance in Texas.
- AAA: $1,784
In 2020, AAA came in fifth place in Texas for the cheapest car insurance.
- Allstate: $3, 065
In 2020, Allstate ranked sixth in Texas for the cheapest car insurance.
Here’s how much less State Farm’s average rate is compared to others:
- $45 less than Texas Farm Bureau
- $360 less than AAA
- $120 less than Geico
- $1,645 less than Allstate
- $240 less than Colonial
Best auto insurance companies in Texas
Insurance.com asked current policyholders what they thought of their car insurance company’s customer service, claims handling, mobile apps/websites and pricing to identify the best car insurance companies in Texas. Below you’ll see how major carriers ranked overall on these metrics in the survey. All scores are out of 100.
| Overall ranking | Auto Insurance company | Final Score |
|---|---|---|
| 1 | The Auto Club Group (ACG) - AAA | 91.89 |
| 2 | Auto Club of Southern California (Auto Club Enterprise Insurance Group) | 90.77 |
| 3 | CSAA Insurance Group | 89.67 |
| 4 | USAA | 88.54 |
| 5 | Mercury | 87.97 |
| 6 | Erie | 87.76 |
| 7 | Metlife | 86.71 |
| 8 | Nationwide | 86.34 |
| 9 | Progressive | 86.02 |
| 10 | Safeco | 85.7 |
| 11 | American Family | 85.47 |
| 12 | Hartford | 85.44 |
| 13 | Allstate | 85.32 |
| 14 | The General | 84.48 |
| 15 | State Farm | 83.6 |
| 16 | Geico | 83.22 |
| 17 | Liberty Mutual | 80.98 |
| 18 | Farmers | 80.24 |
| 19 | Esurance | 79.19 |
| 20 | Travelers | 76.07 |
Auto insurance quotes for Texas drivers
How much coverage you buy, and from which company, are key factors that influence your insurance cost. We’ve seen that State Farm is the cheapest company for full coverage (above). Below you’ll see the cheapest Texas car insurance companies for standard liability and state minimum policies.
In addition to coverage amounts, there are other factors that affect what you’ll pay. To give you an estimate of what you can expect, we provide auto insurance quotes for Texas drivers for common scenarios. These include motorists with the following:
- Accidents
- Speeding tickets
- Bad credit
- Teen driver
Texas liability auto insurance quotes
For drivers in Texas buying minimum coverage and liability limits of 50/100/50, Texas Farm Bureau has the lowest average rate, followed by State Farm.
| Company | State minimum | 50/100/50 |
|---|---|---|
| Texas Farm Bureau | $414 | $458 |
| State Farm | $446 | $495 |
| AAA TX County Mutual | $493 | $537 |
| Geico | $527 | $562 |
| Allstate | $615 | $633 |
| Colonial | $735 | $708 |
Cheapest auto insurance quotes for Texas drivers with accidents
State Farm had the lowest car insurance rates in Texas for drivers with an at-fault accident, among those surveyed by Insurance.com. Though you’ll likely see a rate hike after a property damage or bodily injury liability claim, you can still save by comparison shopping, as you’ll see rates vary among carriers for those with accident claims.
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | State Farm | $1,718 |
| 2 | Progressive | $1,745 |
| 3 | Geico | $1,966 |
| 4 | Nationwide | $3,030 |
| 5 | Allstate | $3,046 |
Cheapest Texas car insurance rates for speeding tickets
State Farm had the lowest rate for drivers in Texas with speeding tickets. In most cases, you’ll pay more for car insurance after a speeding violation. The increase happens when your policy renews, and generally lasts for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you'll see that the difference between the highest rate and the lowest is $1,325, on average, according to Insurance.com's rate analysis. That's how much you can save by comparing auto insurance quotes in Texas after speeding tickets.
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | State Farm | $1,166 |
| 2 | Geico | $1,757 |
| 3 | Progressive | $1,880 |
| 4 | Allstate | $2,186 |
| 5 | Nationwide | $2,491 |
Texas car insurance quotes for adding teen drivers
State Farm had the lowest car insurance rates in Texas for adding a driver age 16 to a full coverage family policy, among insurers surveyed. Here is how carriers ranked in terms of cost.
| Rank | Company | Average annual rate for female teen | Average annual rate for male teen |
|---|---|---|---|
| 1 | State Farm | $2,562 | $2,771 |
| 2 | Geico | $2,674 | $2,948 |
| 3 | Progressive | $4,154 | $4,607 |
| 4 | Nationwide | $3,452 | $4,091 |
| 5 | Allstate | $6,331 | $7,518 |
Auto insurance quotes for Texas drivers with bad credit
The cheapest rate, on average, for those with bad credit was from State Farm, followed by Progressive, among those surveyed by Insurance.com. Drivers in Texas who don’t have good credit can save about $1,665 by comparing car insurance companies, as you’ll see rates differ by that much among carriers.
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | State Farm | $2,338 |
| 2 | Progressive | $2,966 |
| 3 | Nationwide | $3,008 |
| 4 | Geico | $3,539 |
| 5 | Allstate | $4,001 |
How to shop for car insurance in Texas
When you shop for car insurance, first determine what level of coverage suits your needs. The minimum coverage you must have under state law is 30/60/25, as follows:
- $30,000 for each injured person per accident
- Up to a total of $60,000 per accident
- $25,500 for property damage per accident
However, state minimum requirements are typically too low to provide sufficient coverage. Even minor accidents can cause damage resulting in repairs and medical bills that exceed these levels, leaving you to pay the difference. For that reason, Penny Gusner, Insurance.com senior consumer analyst, recommends levels of 100/300/100.
Also, state required liability coverage does not cover damage to your car. For that you need the optional coverages of comprehensive and collision.
Depending on the age of your vehicle, however, you might not need comprehensive and collision coverage. If your car is more than 10 years old and has a low replacement cost, you might be able to forgo this coverage.
If you need more help to determine the right level of coverage for your situation, use the Car Insurance Coverage Calculator.
Once you determine how much coverage you need, compare Texas car insurance quotes from at least three auto insurance companies.
In addition to comparing quotes, be sure you’re getting the best deal by doing the following:
- Check to see which car insurance discounts apply to you.
- Scour membership and affinity programs for discounts: AARP and military members can get discounted insurance. Your employer, alumni associations, and wholesale clubs are also good places to search for potential discounts. Affiliation discounts can save you as much as 25%.
- Raise your deductible: Increasing your deductible to $1,000 can save you 40% or more on car insurance costs, according to the Insurance Information Institute.
- Combine your coverage: Bundle auto coverage with your home or renters’ insurance policy, and you can typically save 10% to 12% on your auto insurance rate.
- Be a good driver: Being a safe driver can lower your car insurance by 5% typically. Driving fewer miles a year will also reduce your rate.
- Take a driver training course: If you'll add your teen to your insurance policy, sign him or her up for a driver's education course, since this can lower your rate. Consider taking a defensive driving course to get a discount on insurance. Contact your insurance company to make sure it offers this discount and then search online or your insurer's website to find qualifying local courses.
Auto insurance is part of car ownership cost, but that doesn't mean you have to pay exorbitant prices to get the best coverage. Do some research to determine how much coverage you really need and get quotes from several different insurers to compare their rates. With a little time and effort, you can find the best car insurance company in Texas for you.
