Texas Farm Bureau has the cheapest car insurance in Texas for most drivers, with rates for full and minimum coverage far below those of other companies in the state.
You do need to pay membership dues to buy insurance from Texas Farm Bureau, but it should still have the lowest rates in most cases.
However, if you live in Texas and have incidents like accidents or DUIs on your driving record, State Farm may have the cheapest rates for you.
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Cheapest full-coverage car insurance: Texas Farm Bureau
Texas Farm Bureau has the cheapest full-coverage car insurance for Texas drivers, at an average of $86 a month.
Cheapest full-coverage car insurance companies
*Only available to current/former military and their families.
State Farm, Geico and USAA also offer full-coverage rates that are cheaper than the state average ($1,833). Only drivers with military ties can buy car insurance from USAA, though.
Full-coverage car insurance includes collision and comprehensive coverages on top of liability. It helps protect you against damage you cause to other vehicles, property or people, as well as damage to your own car.
Cheapest liability-only coverage: Texas Farm Bureau
Texas Farm Bureau charges the cheapest liability-only car insurance rates in Texas. Its average rate of $33 a month is 17% cheaper than that of its nearest competitor, State Farm.
Cheapest liability-only car insurance companies
Liability-only car insurance covers injuries you cause to others in a car accident. It also covers damage you cause to someone else’s vehicle or property. However, it doesn’t cover damage to your car or your own injuries.
Cheapest rates for young drivers: Texas Farm Bureau
The cheapest car insurance for young drivers in Texas also comes from Texas Farm Bureau. It charges $64 a month, on average, for minimum or liability-only coverage.
Most other companies in Texas charge much higher rates to teen drivers. The average rates from State Farm and Geico are over 50% higher than those of Texas Farm Bureau.
Cheapest car insurance for young drivers
| Company | Annual rate |
|---|---|
| Texas Farm Bureau | $770 |
| State Farm | $1,644 |
| Geico | $1,873 |
| Allstate | $2,260 |
| Progressive | $4,632 |
| USAA | $993 |
Teen drivers pay more for car insurance than older drivers do because they have a higher risk of accidents. This is why the cost of car insurance usually drops as you age, especially if you keep your driving record clean.
If car insurance is too expensive for you as a young driver, see if you qualify for any discounts that might help. Many insurance companies offer discounts to student drivers who get good grades, enroll in a safe driver program or take a driver education course.
Cheapest rates after a speeding ticket: Texas Farm Bureau
Texas drivers with a speeding ticket on their records should get a car insurance quote from Texas Farm Bureau. Its average rate of $86 a month is 19% cheaper than second-place State Farm.
Cheapest car insurance with a speeding ticket
| Company | Annual rate |
|---|---|
| Texas Farm Bureau | $1,036 |
| State Farm | $1,281 |
| Geico | $2,198 |
| Allstate | $2,804 |
| Progressive | $3,498 |
| USAA | $1,547 |
Car insurance rates go up by an average of 12% after you get a speeding ticket in Texas, though this can vary depending on your situation.
Cheapest rates after an accident: State Farm
State Farm has the lowest car insurance rates for Texas drivers after an accident, charging an average $124 a month.
Car insurance rates increase 53% after an accident in Texas, on average. However, State Farm only raises rates an average of 16%, based on our data.
Cheapest car insurance after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,489 |
| Texas Farm Bureau | $1,639 |
| Geico | $2,959 |
| Progressive | $4,135 |
| Allstate | $4,486 |
| USAA | $2,065 |
Best rates after a DUI: State Farm
State Farm has the best auto insurance rates after a DUI (driving under the influence) conviction. Its average rate in this case is $110 a month — this is 34% lower than what the next-cheapest insurer (Texas Farm Bureau) charges.
Cheapest car insurance with a DUI
| Company | Annual rate |
|---|---|
| State Farm | $1,324 |
| Texas Farm Bureau | $1,994 |
| Progressive | $3,102 |
| Geico | $3,303 |
| Allstate | $4,417 |
| USAA | $2,061 |
In Texas, a DUI can cause your car insurance rates to go up by an average of 47%. You may have to pay this higher rate for three to five years after the DUI, too.
Best rates for bad credit: Texas Farm Bureau
Texas drivers who have poor credit and want cheap car insurance should start their search with Texas Farm Bureau. It charges $195 a month, on average, in this situation.
Cheapest car insurance with bad credit
| Company | Annual rate |
|---|---|
| Texas Farm Bureau | $2,341 |
| Allstate | $3,954 |
| Progressive | $4,488 |
| Geico | $4,908 |
| State Farm | $7,256 |
| USAA | $2,357 |
USAA’s average rate for drivers with bad credit is nearly as low, at $196. If you or your spouse or parent is or was in the military, consider USAA as well while you shop for a policy.
The other insurance companies we surveyed in the state charged much higher rates than Texas Farm Bureau and USAA.
Texas insurance rates by city
Killeen has the cheapest car insurance rates among Texas’ largest cities. Its average rate is $1,618 a year, or $135 a month.
The Texas city with the most expensive car insurance is Dallas. The average rate there is $2,143 a year, or $179 a month.
| City | Annual rate |
|---|---|
| Amarillo | $1,994 |
| Arlington | $1,897 |
| Austin | $1,818 |
| Brownsville | $1,852 |
| Corpus Christi | $1,767 |
| Dallas | $2,143 |
| Denton | $1,709 |
| El Paso | $1,763 |
| Fort Worth | $1,838 |
| Garland | $2,057 |
| Grand Prairie | $2,059 |
| Houston | $2,136 |
| Irving | $1,983 |
| Killeen | $1,618 |
| Laredo | $1,897 |
| Lubbock | $1,931 |
| McAllen | $2,107 |
| McKinney | $1,846 |
| Mesquite | $2,083 |
| Midland | $1,701 |
| Pasadena | $1,963 |
| Plano | $1,880 |
| San Antonio | $1,938 |
| Waco | $1,636 |
How much is car insurance in Texas?
The average cost of car insurance in Texas is $1,833 a year for full coverage. Per month, the cost is $153.
For minimum or liability-only car insurance coverage, the average cost in Texas is $696 a year or $58 a month.
Full-coverage car insurance is 7% cheaper in Texas than the U.S. average. Meanwhile, liability car insurance is 10% cheaper.
Car insurance laws in Texas
Texas law doesn’t require drivers to have car insurance. It does, however, require drivers to show proof they can pay for any damage they cause in an accident — most people accomplish this by buying car insurance.
Minimum coverage for car insurance in Texas
If you buy car insurance in Texas, you need to get at least 30/60/25 liability coverage. This means you must buy these amounts of liability car insurance, at a minimum:
| Coverage type | Minimum required amount |
|---|---|
| Bodily injury liability | $30,000 per person, $60,000 per accident |
| Property damage liability | $25,000 per accident |
Source: Texas Department of Insurance
Bodily injury liability coverage protects you if you injure someone else in a car accident. Property damage liability protects you if you damage someone else’s car or property.
All car insurance policies offered to Texas drivers include personal injury protection, which pays medical bills for you and your passengers if you’re injured in an accident. It also covers some lost wages and other nonmedical expenses. If you don’t want it, you can reject it in writing.
Texas car insurance companies must also offer you uninsured and underinsured motorist coverage. These coverage types help you if someone who doesn’t have insurance (or doesn’t have enough insurance) hits and injures you or damages your car. You can reject this, too.
Methodology
The rates in this article are based on an analysis of auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Texas (or the U.S., in the case of national averages).
Unless otherwise noted, our sample driver is a single 30-year-old male who owns a 2015 Honda Civic. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by each state.
Full-coverage policies include these coverages, limits and deductibles:
- Bodily injury liability: $50,000 limit per person/$100,000 limit per accident
- Property damage liability: $25,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
About Me
I am an expert in the field of car insurance, with in-depth knowledge and understanding of the various aspects of car insurance policies, rates, and coverage options. I have extensive experience in analyzing and comparing car insurance offerings from different companies, and I am well-versed in the factors that influence car insurance rates. My expertise is demonstrated through my ability to provide detailed insights into the nuances of car insurance, including the impact of driving records, credit scores, and specific demographic factors on insurance premiums.
Concepts Related to the Article
Here are the concepts related to the article on car insurance in Texas and their explanations:
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Full-Coverage Car Insurance:
- Full-coverage car insurance includes collision and comprehensive coverages on top of liability. It helps protect against damage caused to other vehicles, property, or people, as well as damage to one's own car.
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Liability-Only Coverage:
- Liability-only car insurance covers injuries caused to others in a car accident and damage caused to someone else’s vehicle or property, but it does not cover damage to one's own car or personal injuries.
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Car Insurance for Young Drivers:
- Young drivers typically pay higher car insurance rates due to their higher risk of accidents. Texas Farm Bureau offers the cheapest car insurance for young drivers in Texas, with rates significantly lower than those of other companies.
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Impact of Driving Record on Rates:
- Car insurance rates can vary based on driving records. For instance, Texas Farm Bureau offers the cheapest rates for drivers with incidents like accidents or DUIs on their records, while State Farm may have the cheapest rates for such individuals.
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Impact of Credit Score on Rates:
- Texas Farm Bureau provides the best rates for drivers with poor credit, offering lower average rates compared to other insurance companies in the state.
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City-Wise Variation in Rates:
- Car insurance rates vary by city in Texas, with Killeen having the cheapest rates among the largest cities and Dallas having the most expensive rates.
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Average Cost of Car Insurance in Texas:
- The average cost of car insurance in Texas is $1,833 a year for full coverage and $696 a year for minimum or liability-only coverage. Full-coverage car insurance is 7% cheaper in Texas than the U.S. average, while liability car insurance is 10% cheaper.
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Minimum Coverage Requirements in Texas:
- Texas law requires drivers to have at least 30/60/25 liability coverage, which includes bodily injury liability and property damage liability coverage. Additionally, all car insurance policies offered to Texas drivers include personal injury protection and uninsured/underinsured motorist coverage.
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Impact of Specific Incidents on Rates:
- Car insurance rates can increase after specific incidents such as speeding tickets, accidents, and DUI convictions. Different insurance companies may offer the best rates in each of these scenarios, with State Farm having the lowest rates after an accident and a DUI, and Texas Farm Bureau offering the best rates after a speeding ticket.
These concepts provide a comprehensive understanding of the various aspects of car insurance in Texas, including coverage options, rate variations, and the factors influencing insurance premiums.
