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
|
|---|---|---|
| Nationwide | $77 | $923 |
| Safeco | $84 | $1,013 |
| Ready Insurance | $94 | $1,128 |
| Mercury | $97 | $1,167 |
| Allstate | $98 | $1,172 |
| Travelers | $101 | $1,211 |
| AAA | $117 | $1,398 |
| State Auto | $118 | $1,420 |
| Bluefire | $118 | $1,422 |
| Kemper | $120 | $1,436 |
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
|
|---|---|---|
| Mapfre | $166 | $1,994 |
| Travelers | $193 | $2,316 |
| Ready Insurance | $206 | $2,478 |
| Safeco | $214 | $2,566 |
| Nationwide | $218 | $2,621 |
| Mercury | $230 | $2,757 |
| Clearcover | $230 | $2,763 |
| Progressive | $251 | $3,012 |
| Allstate | $258 | $3,100 |
| Plymouth Rock | $261 | $3,136 |
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 | $448 | $5,379 |
| 21-24 | $330 | $3,956 |
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
|
|---|---|---|---|
| Safeco | 20 | $137 | $1,650 |
| Mendota | 20 | $192 | $2,301 |
| Allstate | 20 | $213 | $2,557 |
| Kemper | 20 | $225 | $2,704 |
| Dairyland | 20 | $250 | $2,998 |
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
|
|---|---|---|---|
| Kemper | 20 | $318 | $3,815 |
| Safeco | 20 | $407 | $4,885 |
| Nationwide | 20 | $474 | $5,683 |
| Dairyland | 20 | $510 | $6,121 |
| Progressive | 20 | $526 | $6,312 |
| Assurance America | 20 | $547 | $6,566 |
| Allstate | 20 | $608 | $7,292 |
| Bluefire | 20 | $614 | $7,372 |
| The General | 20 | $666 | $7,997 |
| Electric | 20 | $698 | $8,374 |
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 | $244 | $2,928 |
| 35-44 | $216 | $2,591 |
| 45-54 | $206 | $2,467 |
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
|
|---|---|---|---|
| Ready Insurance | 36 | $67 | $810 |
| Plymouth Rock | 36 | $83 | $992 |
| Safeco | 36 | $83 | $993 |
| Nationwide | 36 | $90 | $1,076 |
| Mercury | 36 | $91 | $1,095 |
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
|
|---|---|---|---|
| Metlife | 36 | $148 | $1,775 |
| Travelers | 36 | $176 | $2,116 |
| Ready Insurance | 36 | $181 | $2,172 |
| Nationwide | 36 | $190 | $2,283 |
| Safeco | 36 | $206 | $2,468 |
| Encompass | 36 | $212 | $2,546 |
| Mercury | 36 | $214 | $2,566 |
| Plymouth Rock | 36 | $222 | $2,658 |
| Progressive | 36 | $230 | $2,757 |
| Allstate | 36 | $241 | $2,889 |
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 | $193 | $2,310 |
| 65+ | $202 | $2,418 |
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
|
|---|---|---|---|
| Ready Insurance | 65 | $49 | $588 |
| Nationwide | 65 | $58 | $692 |
| Safeco | 65 | $67 | $805 |
| Allstate | 65 | $70 | $841 |
| Mercury | 65 | $73 | $876 |
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
|
|---|---|---|---|
| Travelers | 65 | $152 | $1,822 |
| Nationwide | 65 | $160 | $1,923 |
| Mercury | 65 | $164 | $1,967 |
| Kemper | 65 | $173 | $2,078 |
| Allstate | 65 | $175 | $2,096 |
| Safeco | 65 | $176 | $2,108 |
| Progressive | 65 | $176 | $2,109 |
| Ready Insurance | 65 | $183 | $2,200 |
| Assurance America | 65 | $197 | $2,367 |
| Mendota | 65 | $212 | $2,548 |
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
|
|---|---|
| $208 | $2,490 |
|
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 | $1,983 | Assurance America | TX | ||
| $189 | $2,270 | Bluefire | TX | ||
| $267 | $3,201 | Bristol West | TX | ||
| $202 | $2,429 | Clearcover | TX | ||
| $196 | $2,348 | Commonwealth Insurance | TX |
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 | $271 | $3,248 |
| 660-750 | $261 | $3,132 |
| <550 | $265 | $3,179 |
| 750+ | $209 | $2,512 |
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 |
| Ready Insurance | <550 | $121 | $1,458 |
| Metlife | <550 | $159 | $1,902 |
| Mercury | <550 | $176 | $2,114 |
| Safeco | <550 | $176 | $2,115 |
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 | $290 | $3,485 |
| At Fault With No Injury | $278 | $3,338 |
| Not At Fault | $258 | $3,094 |
| $211 | $2,528 |
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
|
|---|---|---|---|
| Mapfre | At Fault With No Injury | $83 | $998 |
| Anchor General | At Fault With No Injury | $95 | $1,140 |
| Ready Insurance | At Fault With No Injury | $137 | $1,644 |
| Aspire Advantage | At Fault With No Injury | $204 | $2,446 |
| Travelers | At Fault With No Injury | $204 | $2,452 |
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
|
|---|---|---|---|
| Ready Insurance | At Fault With Injury | $144 | $1,730 |
| Travelers | At Fault With Injury | $171 | $2,046 |
| Safeco | At Fault With Injury | $202 | $2,419 |
| Nationwide | At Fault With Injury | $210 | $2,522 |
| Clearcover | At Fault With Injury | $221 | $2,652 |
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 | $258 | $3,101 |
| Speeding over 15 | $311 | $3,737 |
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 |
| Ready Insurance | $150 | $1,805 |
| Aspire Advantage | $158 | $1,893 |
| Trexis | $163 | $1,958 |
| Plymouth Rock | $165 | $1,980 |
| Mercury | $199 | $2,386 |
| Travelers | $211 | $2,529 |
| Clearcover | $211 | $2,535 |
| Kemper | $214 | $2,570 |
| Nationwide | $216 | $2,593 |
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 | $263 | $3,161 |
| $232 | $2,781 |
The cheapest insurance rate for Texas drivers with a DUI are as follows:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Embark General | $65 | $780 |
| Mapfre | $70 | $844 |
| Ready Insurance | $71 | $853 |
| Aspire Advantage | $141 | $1,697 |
| Safeco | $158 | $1,899 |
| Mercury | $172 | $2,061 |
| Assurance America | $199 | $2,388 |
| Kemper | $203 | $2,437 |
| Aspen | $209 | $2,513 |
| Nationwide | $210 | $2,515 |
Average car insurance for drivers with other violations in Texas
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $341 | $4,092 |
| Cell Phone | $258 | $3,095 |
| Defective Equipment | $282 | $3,385 |
| Driving on Sus. License | $251 | $3,010 |
| Eluding Police | $178 | $2,140 |
| Failure to Obey Traffic Sign | $276 | $3,310 |
| Homicide | $792 | $9,507 |
| Illegal Turn | $239 | $2,872 |
| Improper Passing | $307 | $3,681 |
| Leaving scene of an Accident/Hit and Run | $314 | $3,766 |
| Open Container | $288 | $3,452 |
| Other | $287 | $3,447 |
| Passing School Bus | $296 | $3,547 |
| Racing/Drag Racing | $295 | $3,536 |
| Reckless Driving | $281 | $3,375 |
| Seat Belt | $145 | $1,739 |
| Suspension | $287 | $3,447 |
| Vehicle Theft | $205 | $2,462 |
| Wrong Way/Wrong Lane | $322 | $3,861 |
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.
FAQ
-
What is the cheapest car insurance in Texas?
-
What is the cheapest full coverage car insurance in Texas?
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.
