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 $102 $1,219
Bluefire $119 $1,429
Assurance America $126 $1,513
Aspen $135 $1,620
Progressive $144 $1,726
Commonwealth Insurance $146 $1,753
The General $193 $2,318
Dairyland $196 $2,347
Gainsco $200 $2,399
Last Updated Feb 13, 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 $248 $2,974
Safeco $257 $3,089
Assurance America $262 $3,146
Trexis $267 $3,205
Bluefire $277 $3,328
Aspire Advantage $282 $3,379
Metlife $290 $3,483
Anchor General $309 $3,708
Mendota $340 $4,082
Root $350 $4,205
Last Updated Feb 13, 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 $442 $5,304
21-24 $352 $4,218
Last Updated Feb 13, 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 $235 $2,818
Progressive 20 $253 $3,039
Dairyland 20 $257 $3,085
Aspen 20 $284 $3,404
Last Updated Feb 13, 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 $452 $5,430
Root 20 $540 $6,478
Dairyland 20 $576 $6,916
Assurance America 20 $606 $7,275
Bluefire 20 $635 $7,618
The General 20 $643 $7,719
Commonwealth Insurance 20 $678 $8,135
Electric 20 $743 $8,918
Mendota 20 $812 $9,746
Bristol West 20 $900 $10,796
Last Updated Feb 13, 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 $282 $3,380
35-44 $252 $3,024
45-54 $239 $2,862
Last Updated Feb 13, 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 $93 $1,121
Bluefire 36 $98 $1,178
Anchor General 36 $109 $1,308
Aspen 36 $114 $1,368
Assurance America 36 $118 $1,415
Last Updated Feb 13, 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 $235 $2,824
Assurance America 36 $251 $3,015
Safeco 36 $256 $3,072
Bluefire 36 $263 $3,158
Mendota 36 $338 $4,050
The General 36 $370 $4,438
Aspen 36 $404 $4,850
Dairyland 36 $412 $4,940
Bristol West 36 $424 $5,089
Electric 36 $433 $5,192
Last Updated Feb 13, 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 $224 $2,688
65+ $237 $2,847
Last Updated Feb 13, 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 $81 $968
Aspen 65 $98 $1,174
The General 65 $99 $1,191
Progressive 65 $105 $1,254
Last Updated Feb 13, 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 $170 $2,043
Assurance America 65 $176 $2,107
Mendota 65 $221 $2,657
Bluefire 65 $222 $2,660
Safeco 65 $272 $3,268
Aspen 65 $295 $3,540
Bristol West 65 $341 $4,087
The General 65 $341 $4,097
Electric 65 $357 $4,288
Dairyland 65 $358 $4,293
Last Updated Feb 13, 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
$241 $2,889
Last Updated Feb 13, 2025
Avg Monthly Quote
Avg Annual Quote
At-fault Accident on Record
Insurance Company
State
Violation Summary
$129 $1,549 Anchor General TX
$222 $2,659 Aspen TX
$92 $1,106 Aspire Advantage TX
$158 $1,899 Assurance America TX
$192 $2,307 Bluefire TX
$313 $3,753 Bristol West TX
$292 $3,501 Clearcover TX
$204 $2,442 Commonwealth Insurance TX
$294 $3,531 Dairyland TX
$318 $3,817 Electric TX
Last Updated Feb 13, 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 $284 $3,413
660-750 $280 $3,361
<550 $269 $3,234
750+ $238 $2,855
Last Updated Feb 13, 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
Aspire Advantage <550 $86 $1,036
Anchor General <550 $99 $1,191
Embark General <550 $164 $1,974
Assurance America <550 $174 $2,093
Trexis <550 $184 $2,208
Last Updated Feb 13, 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 $313 $3,754
At Fault With No Injury $334 $4,008
Not At Fault $303 $3,635
$243 $2,919
Last Updated Feb 13, 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 $1,159
Aspire Advantage At Fault With No Injury $119 $1,424
Assurance America At Fault With No Injury $227 $2,730
Trexis At Fault With No Injury $232 $2,779
Progressive At Fault With No Injury $236 $2,837
Last Updated Feb 13, 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 $173 $2,080
Progressive At Fault With Injury $195 $2,339
Commonwealth Insurance At Fault With Injury $205 $2,459
Bluefire At Fault With Injury $265 $3,183
Aspen At Fault With Injury $276 $3,306
Last Updated Feb 13, 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 $262 $3,142
Speeding over 15 $333 $3,995
Last Updated Feb 13, 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 $106 $1,273
Aspire Advantage $132 $1,581
Trexis $163 $1,958
Embark General $188 $2,260
Assurance America $194 $2,328
Bluefire $223 $2,670
Progressive $236 $2,837
Commonwealth Insurance $252 $3,020
Root $255 $3,060
Infinity $270 $3,245
Last Updated Feb 13, 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 $286 $3,426
$271 $3,246
Last Updated Feb 13, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Assurance America $195 $2,337
Safeco $203 $2,439
Aspen $203 $2,442
Progressive $205 $2,455
Bluefire $214 $2,570
Dairyland $296 $3,558
Mendota $297 $3,565
Electric $316 $3,795
National General $330 $3,961
Gainsco $337 $4,041
Last Updated Feb 13, 2025

Average car insurance for drivers with other violations in Texas

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $340 $4,075
Cell Phone $329 $3,944
Defective Equipment $255 $3,059
Driving on Sus. License $271 $3,250
Eluding Police $172 $2,069
Failure to Obey Traffic Sign $309 $3,705
Homicide $244 $2,933
Illegal Turn $210 $2,516
Improper Passing $331 $3,966
Leaving scene of an Accident/Hit and Run $336 $4,038
Open Container $259 $3,105
Other $316 $3,797
Passing School Bus $624 $7,486
Racing/Drag Racing $231 $2,777
Suspension $285 $3,417
Vehicle Theft $205 $2,462
Wrong Way/Wrong Lane $295 $3,545
Last Updated Feb 13, 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.

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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.