Cheap Auto Insurance in Texas 2023

Drivers in Texas pay an average rate of $263 per month for car insurance, according to our internal data. Texans live in the 14th most-expensive state for purchasing auto coverage. On average, Americans pay $233 per month for insurance, so drivers in the Lone Star State pay roughly $30 more per month. To find cheap car insurance, you should compare quotes from multiple insurers that match your insurance needs. Every year, wildflower seeds — more than 60,000 pounds of them — are planted alongside highways in the state for drivers to enjoy.^[1]

Best cheap car insurance in Texas: Progressive

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Progressive

Best Cheap Car Insurance in Texas

Some of the cheapest car insurance providers in Texas include Progressive, Travelers, Mile Auto, and Clearcover. On the other end of the spectrum, some of the most expensive insurers are Freedom National and Hallmark. Among mainstream insurance providers, Progressive offers the best rates, at $170 per month on average.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

Minimum car insurance requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. You must carry proof of insurance in your car at all times and it must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas^[2] are:

• $30,000 per person and $60,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Texas DMV information

The Texas Department of Motor Vehicles^[3] offers residents many services, including driver’s license renewal, vehicle registration, purchase or sale of vehicles, and more. You can also look to the Texas DMV for help accessing a copy of your vehicle’s title, changing your address, or filing a complaint.

Public transportation in Texas

Cities including Dallas, Fort Worth, Houston, San Antonio, and Austin offer public transportation in the form of trains or buses.^[4] Outside of major cities, public transportation is hard to find. Three Amtrak trains serve Texas: the Texas Eagle, the Sunset Limited, and the Heartland Flyer. While some areas of Texas are walkable, most require a car, particularly when taking into account inclement weather and heat.

Tips for getting cheap car insurance in Texas

To find the cheapest car insurance policy, you should compare car insurance rates online from multiple providers. Since insurers consider personal factors like age and driving history differently, this will help ensure you find the best policy for your individual situation.

Some insurers also offer discounts for bundling policies and for having a safe driving record. Some other discounts you may qualify for include:

• Good student discount

• Loyalty discount

• Paying your insurance premium in full, rather than monthly

Liability-only vs. full-coverage insurance in Texas

If you live in Texas, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Texas by policy type.

How your driving history affects Texas car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Texas. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Texas based on driving and accident history.

See More: High-Risk Car Insurance Texas

See More: SR-22 Car Insurance Texas

SR-22 insurance in Texas

An SR-22 is a form that you may need to submit proving that you have auto insurance. Drivers who have DUIs or too many at-fault violations may be required to use this form. An SR-22 isn’t actually a type of insurance, but having to file an SR-22 form may mean that you pay more for your car insurance policy as a result.

How credit scores affect Texas car insurance quotes

State law in Texas allows insurance providers to consider credit scores when determining auto insurance rates. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

See More: Bad Credit Car Insurance Texas

How your city affects Texas insurance quotes

Where you live is another factor that can affect your car insurance rates. Living in or near big cities in Texas, like Austin or Dallas, may increase your car insurance rates. Rates tend to go up if you live in areas with a high population density, a large number of uninsured or underinsured motorists, or high rates of accidents.

How your age affects your Texas car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others impact all age groups evenly.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. The cheapest liability insurance options for younger drivers come from Kemper Preferred, Apparent, and Progressive.

Quotes for middle-aged drivers

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59. Middle-aged drivers with an accident on their record find the best rates with Progressive, Clearcover, and Travelers.

Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. Affordable full-coverage insurance options for senior drivers include Mile Auto, Progressive, and Elephant.

Texas car insurance FAQs

Insurify Insights

How Texas Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Texas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Texas drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Texas

#34

State with the Most Speeding Tickets Rank

#35

State with the Moving Violations Rank

#37

State with the Most DUIs Rank

#25

State with the most Suspended Licenses

• Accidents in Texas

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Texas is the #32 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #32
  • Percent of drivers in Texas with an accident: 8.2%
• DUIs in Texas

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Texas is the #37 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #37
  • Percent of drivers in Texas with a DUI: 1%
• Reckless Driving in Texas

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Texas is the #43 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #43
  • Percent of drivers in Texas with a reckless driving offense: 0.9%
• Rude Driving in Texas

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Texas is the #45 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #45
  • Percent of drivers in Texas with a rude driving violation: 1%
• Speeding in Texas

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Texas is the #34 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #34
  • Percent of drivers in Texas with a speeding ticket: 7.5%
• Failure to Yield Rates in Texas

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Texas is the #50 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #50
  • Percent of drivers in Texas with a failure to yield violation: 0%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.