Cheapest Car Insurance in Texas (2025)

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Cheapest Car Insurance in Texas (2025)

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Key Takeaways
  • Texans pay 7.37% more than the national average.
  • Senior drivers pay the lowest rates among all drivers located in Texas.
  • An accident, whether at-fault or not, will cause your rates to rise significantly.

Drivers in Texas pay some of the highest car insurance premiums in the U.S. in part because the state leads the nation in fatal car accidents. The Lone Star State also has a high occurrence of hailstorms that cause serious and costly damage to vehicles and property. So while rates have significantly spiked in recent years, skimping on your car insurance coverage is risky. 

In 2023, there were 15,219 people seriously injured due to car wrecks in Texas and 250,335 people injured in traffic related car crashes, according to Texas Peace Officer’s Crash Reports. Commercial truck collisions in Texas are also the highest in the nation.

It’s no wonder why the state’s minimum coverage averages $255 per month, higher than the national average of $245 annually, according to a Jerry analysis. For full coverage insurance, the average cost in Texas is $364.76 per month. That’s a whopping 7.37% higher than the national average of $339.72. 

Texas law requires drivers to carry 30/60/25 for minimum liability, which translates to:

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

Cheapest minimum coverage insurance in Texas

Check out Jerry’s data based on quotes for minimum coverage in Texas from a number of insurance companies that we work with:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Infinity $101 $1,212
Safeco $114 $1,369
Bluefire $122 $1,458
Assurance America $126 $1,512
Commonwealth Insurance $129 $1,548
Aspen $132 $1,589
Progressive $146 $1,748
Bristol West $190 $2,284
The General $193 $2,321
Dairyland $196 $2,347
Last Updated Feb 11, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Texas

Check out actual average full coverage quotes in Texas from a variety of insurance companies in the table below.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $244 $2,927
Assurance America $262 $3,145
Safeco $268 $3,213
Bluefire $278 $3,339
Aspire Advantage $288 $3,454
Anchor General $309 $3,708
Trexis $338 $4,052
Mendota $341 $4,092
Clearcover $344 $4,133
Root $352 $4,226
Last Updated Feb 11, 2025

Cheapest car insurance for young drivers in Texas

Younger drivers in Texas tend to pay the highest rates in the state, as you can see in the table below:

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $447 $5,366
21-24 $332 $3,988
Last Updated Feb 11, 2025

Cheapest liability-only policy in Texas for a 20 year old

Based on Jerry data, here are the cheapest rates for a 20-year-old Texan for liability-only coverage:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Mendota 20 $192 $2,301
Commonwealth Insurance 20 $206 $2,473
Progressive 20 $246 $2,950
Dairyland 20 $257 $3,079
Assurance America 20 $286 $3,434
Last Updated Feb 11, 2025

Cheapest full coverage policy in Texas for a 20 year old

And here are the cheapest rates for a 20-year-old Texan for full coverage:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 20 $428 $5,135
Root 20 $540 $6,478
Dairyland 20 $576 $6,916
Assurance America 20 $606 $7,275
Commonwealth Insurance 20 $628 $7,533
The General 20 $643 $7,719
Bluefire 20 $648 $7,776
Electric 20 $743 $8,919
Aspen 20 $776 $9,308
Mendota 20 $812 $9,746
Last Updated Feb 11, 2025

Average car insurance for mature drivers in Texas (25-54 years old)

Rates start stabilizing for mature drivers at around $200-$250 per month.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $245 $2,942
35-44 $217 $2,604
45-54 $207 $2,485
Last Updated Feb 12, 2025

Cheapest liability-only policy in Texas for a 36 year old

The average Jerry customer is 36 year old. Here are some quotes for a liability-only policy in Texas for a 36 year old, sorted by insurer starting from the cheapest average monthly quote.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Safeco 36 $77 $928
Bluefire 36 $99 $1,190
Commonwealth Insurance 36 $107 $1,279
Assurance America 36 $116 $1,391
Aspen 36 $119 $1,433
Last Updated Feb 11, 2025

Cheapest full coverage policy in Texas for a 36 year old

And here are the cheapest rates for a 36-year-old Texan for full coverage, starting with the insurance company with the cheapest average quote:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 36 $233 $2,794
Assurance America 36 $251 $3,015
Bluefire 36 $264 $3,166
Safeco 36 $280 $3,363
Mendota 36 $338 $4,050
The General 36 $370 $4,438
Commonwealth Insurance 36 $381 $4,567
Dairyland 36 $412 $4,940
Bristol West 36 $413 $4,962
Aspen 36 $414 $4,963
Last Updated Feb 12, 2025

Average car insurance for older drivers (55+ years old)

Senior drivers still see a decrease in their insurance rates in their 50s but insurance rates tend to increase as one gets into their later years.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $194 $2,328
65+ $204 $2,445
Last Updated Feb 11, 2025

Cheapest liability-only policy in Texas for a 65 year old

Here are the rates for a liability-only policy in Texas for a 65 year old.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Commonwealth Insurance 65 $72 $858
Safeco 65 $88 $1,059
The General 65 $97 $1,166
Progressive 65 $102 $1,220
Aspen 65 $104 $1,247
Last Updated Feb 11, 2025

Cheapest full coverage policy in Texas for a 65 year old

Here are the cheapest rates for a 65-year-old Texan for full coverage:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 65 $171 $2,049
Assurance America 65 $176 $2,107
Mendota 65 $218 $2,615
Bluefire 65 $219 $2,623
Safeco 65 $312 $3,748
Aspen 65 $314 $3,771
Commonwealth Insurance 65 $314 $3,773
Bristol West 65 $336 $4,030
The General 65 $341 $4,097
Electric 65 $352 $4,229
Last Updated Feb 11, 2025

Average car insurance for drivers with clean records in Texas

If you have no violations or claims, here’s what you can expect to pay on average:

Avg Monthly Quote
Avg Annual Quote
$209 $2,503
Last Updated Feb 11, 2025
Avg Monthly Quote
Avg Annual Quote
At-fault Accident on Record
Insurance Company
State
Violation Summary
$280 $3,357 AAA TX
$207 $2,483 Allstate TX
$201 $2,411 Anchor General TX
$230 $2,754 Aspen TX
$158 $1,898 Aspire Advantage TX
$165 $1,974 Assurance America TX
$191 $2,295 Bluefire TX
$266 $3,197 Bristol West TX
$203 $2,438 Clearcover TX
$195 $2,340 Commonwealth Insurance TX
Last Updated Feb 11, 2025

Average car insurance for drivers with low credit scores in Texas

When your credit improves, your average monthly quote improves, according to our data below.

Credit Score
Avg Monthly Quote
Avg Annual Quote
550-659 $272 $3,260
660-750 $261 $3,137
<550 $265 $3,186
750+ $209 $2,508
Last Updated Feb 11, 2025

If you have a low credit score, these companies will give you the best rates if your score is less than 550.

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
Anchor General <550 $99 $1,191
Metlife <550 $159 $1,902
Mercury <550 $176 $2,114
Safeco <550 $178 $2,132
Kemper <550 $180 $2,159
Last Updated Feb 11, 2025

Cheapest car insurance for drivers with at-fault accidents in Texas

Having an accident on your record will increase your rates, as you can see from the averages below:

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
At Fault With Injury $321 $3,850
At Fault With No Injury $328 $3,936
Not At Fault $297 $3,561
$237 $2,839
Last Updated Feb 11, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in Texas

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Anchor General At Fault With No Injury $97 $1,160
Aspire Advantage At Fault With No Injury $204 $2,445
Assurance America At Fault With No Injury $227 $2,727
Commonwealth Insurance At Fault With No Injury $232 $2,781
Progressive At Fault With No Injury $232 $2,787
Last Updated Feb 11, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Texas

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Safeco At Fault With Injury $160 $1,916
Progressive At Fault With Injury $191 $2,287
Commonwealth Insurance At Fault With Injury $202 $2,429
Aspen At Fault With Injury $235 $2,819
Bluefire At Fault With Injury $265 $3,183
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with a speeding ticket in Texas

Having a speeding ticket on your record will cause your rates to increase and the more severe your speeding, the more expensive your car insurance will be.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Speeding under 15 $255 $3,060
Speeding over 15 $322 $3,869
Last Updated Feb 11, 2025

Here’s the cheapest insurance companies if you have a speeding ticket in Texas.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Anchor General $108 $1,290
Trexis $125 $1,503
Aspire Advantage $135 $1,624
Assurance America $192 $2,308
Commonwealth Insurance $210 $2,517
Embark General $221 $2,656
Bluefire $223 $2,675
Progressive $230 $2,755
Aspen $231 $2,770
Safeco $244 $2,928
Last Updated Feb 11, 2025

Cheapest car insurance for drivers with a DUI in Texas

Getting a DUI on your record in Texas will increase your insurance rates.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
DUI $264 $3,171
$233 $2,798
Last Updated Feb 11, 2025

The cheapest insurance rate for Texas drivers with a DUI are as follows:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspen $187 $2,240
Assurance America $195 $2,337
Progressive $202 $2,428
Safeco $204 $2,450
Bluefire $223 $2,676
Commonwealth Insurance $228 $2,740
Dairyland $296 $3,558
Mendota $297 $3,565
Bristol West $313 $3,760
Electric $317 $3,808
Last Updated Feb 11, 2025

Average car insurance for drivers with other violations in Texas

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $338 $4,061
Cell Phone $256 $3,069
Defective Equipment $282 $3,385
Driving on Sus. License $252 $3,027
Eluding Police $170 $2,041
Failure to Obey Traffic Sign $277 $3,319
Homicide $518 $6,220
Illegal Turn $239 $2,863
Improper Passing $308 $3,702
Leaving scene of an Accident/Hit and Run $308 $3,698
Open Container $292 $3,501
Other $288 $3,460
Passing School Bus $296 $3,547
Racing/Drag Racing $295 $3,536
Reckless Driving $281 $3,375
Seat Belt $145 $1,739
Suspension $288 $3,458
Vehicle Theft $205 $2,462
Wrong Way/Wrong Lane $323 $3,877
Last Updated Feb 11, 2025

Is uninsured motorist coverage required in Texas?

While Texas law doesn’t require drivers to have uninsured/underinsured motorists coverage (UM/UIM), drivers could find uninsured/underinsured motorist coverage beneficial due to the rate of accidents on the road

This coverage is extremely beneficial in situations when you’ve been injured in a hit and run or get into an accident with an uninsured or underinsured motorist. Having as much coverage as possible will protect you financially by helping pay for your injuries, lost wages and damage done to your vehicle.

A policyholder who opts to decline UM coverage in Texas must sign a rejection form, per state law.

Is personal injury protection (PIP) required in Texas?

Under Texas law, drivers are not required to carry personal injury projection (PIP). Some drivers choose to carry PIP on their plan in Texas for its ability to cover lost wages, medical bills and other related accident expenses — regardless of who is found responsible for the accident.

Do you need full coverage auto insurance in Texas?

The minimum state requirements are not likely to provide sufficient financial protection to you in the event you’re in a serious crash. Dangerous driving conditions, plus soaring repair costs for cars and medical bills for injuries, might mean your policy’s dollar limit could quickly run out. In the event of an unfortunate accident, you would be accountable for any expenses exceeding your policy’s limit if you only carry Texas’ state requirements for liability.

With the prevalent number of drivers on the roads in Texas, comprehensive and collision coverage can provide additional financial protection in the event of an accident or other covered events. Both kinds of coverage usually come with a deductible.

  • Comprehensive coverage helps pay for damages done to your car from debris, flooding, fire, vandalism, theft and other covered events. 
  • Collision coverage pays for damage to your car that results from an accident whether or not you were at fault.

Tips for finding the best cheap car insurance rates in Texas

Drivers in Texas can take several steps to find the best rate for your needs:

  • Shop around and compare quotes from multiple insurers to find the best option. You can do this multiple times a year and don’t need to wait for your current policy to lapse.
  • Bundle policies for your home, life, and auto insurance from the same insurer.
  • Choose higher deductibles to lower your premiums. 
  • Maintain a safe driving record.
  • Take a defensive driving course to potentially get a discount.
  • Pay your policy in full and don’t let it lapse.

Being proactive by shopping quotes from multiple insurers to find the best cheap policy can be a hassle—but you can use Jerry, America’s first and only AllCar™ app, to help you do this research. 

As a licensed broker, Jerry allows you to find the best deal in minutes.

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

FAQ

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Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.