Cheapest Insurance in Texas 2021

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
They say everything is bigger in Texas—and with a big population, lots of drivers, and big accident statistics, it’s no surprise that insurance rates tend to be bigger, too.
But it’s these factors that make car insurance even more important. If you’re looking for affordable car insurance in Texas, you’ll want to shop around and compare quotes from multiple insurance companies.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Texas. And if you want to learn more about car insurance rates in Texas, keep reading.
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)
Here’s how much real Jerry customers saved in Texas when they compared and switched.
Quote DateMake/modelCityAgeCarrierCoverage Type
Before Jerry
After Jerry
October 15, 2021Chrysler 300C
October 16, 2021Nissan Murano SHouston45MercuryStandard$159/mo.$124/mo.
October 15, 2021Jeep Compass SportHouston47Assurance AmericaPredicted$210/mo.$171/mo.
October 14, 2021BMW X1 Sdrive28I
October 14, 2021Dodge Charger SEBaytown33DairylandCurrent$314/mo.$235/mo.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Texas.

Cheapest minimum coverage car insurance in Texas

Each state has different requirements when it comes to the minimum coverage that drivers must have. In Texas, all drivers must meet the following minimum coverage requirements:
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
It’s illegal to drive in Texas without meeting the required minimum coverage. If you’re caught, you may face penalties such as fines, license suspension, and vehicle impoundment.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Texas:
Before Jerry
After Jerry
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Additional coverages you might want to consider when shopping for car insurance in Texas

Risk FactorCoverage to Consider
Flash floods & landslidesComprehensive insurance will cover physical damage to your car, including from a severe weather event like flash flooding or landslide.
Uninsured driversAbout 20% of drivers in Texas drive uninsured. Having uninsured motorist insurance helps protect you financially if you get into an accident with a driver who doesn’t carry even the minimum required coverage.
Growing populationsAs populations rise and more cars hit the road, accident forgiveness coverage can help ensure your premiums don’t rise if you get into an at-fault accident.
In terms of minimum insurance, 30/60/25 is all you need—but if you can afford more coverage, it’s a good idea.

Best carriers for minimum coverage car insurance in Texas

It’s easy to be overwhelmed by the sheer number of car insurance providers in Texas, and finding the best carrier can feel like a daunting task. But if you’re looking for the most affordable option, you’re in the right place.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Texas:
Insurance Company
Before Jerry
After Jerry
National General$2,883$1,328

Cheapest full coverage car insurance in Texas

Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
With nearly 16 million licensed drivers on the roads in Texas and the highest highway accident rate in the country, having more than just the minimum required coverage can make a lot of sense.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Best carriers for full coverage car insurance in Texas

While pricing is an important factor when deciding on an insurer, you should also consider things like customer ratings, the variety of coverage options, customer service, and the claims handling process.
There’s a huge array of insurance companies serving the state, which means drivers are spoiled for choice.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Texas:
Insurance Company
Before Jerry
After Jerry
National General$4,232$3,051
While you technically only need minimum insurance to drive legally in Texas, securing additional protection will provide peace of mind and protect you financially in the event of an incident.

Cost to insure your car in Texas by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Texas has a graduated licensing system, which is intended to help foster safe driving habits among new drivers. Young drivers also have the option to take a defensive driving course that can help them secure lower car insurance premiums.
If you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Cost of insurance for drivers in Texas with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
If you have a major violation on your driving record, insurance companies will typically regard you as a high-risk driver. This means higher premiums for an extended period of time—in many cases, up to three years.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,938$1,967
Eluding Police$1,056$784
Leaving scene of an Accident/Hit and Run$2,094$1,439
Defective Equipment$3,629$1,923
Driving on Sus. License$2,796$1,960
Open Container$3,180$2,099
Speeding over 15$3,445$2,188
Wrong Way/Wrong Lane$3,160$2,191

Best carriers for drivers with infractions in Texas

Insurance Company
Before Jerry
After Jerry
State Auto$1,704$924
National General$4,073$2,608
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Cost of insurance for young drivers in Texas with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
An offense on a young driver’s record can seriously impact car insurance premiums—and even a couple of points is enough to increase rates. In Texas, a conviction remains on a driving record for three years, even if you’re no longer considered a young driver.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,456$2,324
Careless Driving$2,143$1,253
Defective Equipment$3,070$2,044
Wrong Way/Wrong Lane$2,940$2,124
Improper Passing$3,945$2,317
Speeding under 15$3,950$2,549
Driving on Sus. License$4,129$2,579
Speeding over 15$3,518$2,654

Best carriers for young drivers with infractions in Texas

If you’re looking for the most affordable insurance for a young driver with a poor driving record in Texas, check out these top carriers.
Insurance Company
Before Jerry
After Jerry
State Auto$1,704$924
National General$5,678$3,686
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Types of discounts that might be available to you in Texas

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Texas.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Texas allows insurance companies to consider factors such as employment, residential, and marital status when they set their car insurance premiums. If you’re married, own a home, or have an affiliation with certain employers or institutions, you might be eligible for discounts.
Some of the most common car insurance discounts in Texas include:
Discount TypeWho is Eligible?r
Good driver discountsGood driver discounts are for Texas drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium.
Payment and billing discountsPolicyholders who pay their premium in full, set up automatic payments, or sign up for paperless billing may be eligible for a discount of up to 25% on their annual premium.
Good student discountsGood student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.
Continuous coverage discountsMany insurance companies offer discounted rates—often 5–25%—to policyholders who have been continuously insured for 6 months or more.

Cheapest car insurance by car make in Texas?

There are many factors that influence your insurance premiums—including the car you drive. And if you’re driving a Toyota Camry, the most popular car in the state, or the best-selling Ford F-150 light duty pickup, you’ll be happy to know that affordable rates shouldn’t be too hard to come by.
Relatively inexpensive cars typically come with lower insurance premiums because they cost less to repair or replace if you’re in an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Acura TL$2,432$1,295
Audi A4 Premium$2,565$1,567
BMW 320 I$2,905$2,028
Chevrolet Equinox LT$2,425$1,352
Chrysler 200 Limited$2,466$1,545
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Cheapest car insurance in Texas by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Population density is a big factor when it comes to car insurance rates, since more drivers means more opportunity for accidents. And with three of the biggest cities in the country, certain areas of Texas—Houston and Dallas, for example—have pretty high insurance premiums.
Drivers in Texas also spend more time on the road, and a number of them drive without even the minimum required liability insurance. This increased risk is passed onto other drivers through higher insurance rates.
Before Jerry
After Jerry
San Antonio$3,095$2,076
Fort Worth$3,010$2,087
El Paso

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.


Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
Still have some questions?
Learn how Jerry can help you save money on car insurance, our policies, privacy, customer service, and more.
Read FAQ

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free