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
Nationwide $77 $923
Safeco $84 $1,012
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 $119 $1,423
Kemper $120 $1,436
Last Updated Jan 5, 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
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 $2,761
Progressive $251 $3,013
Allstate $258 $3,100
Plymouth Rock $261 $3,136
Last Updated Jan 5, 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 $448 $5,377
21-24 $329 $3,953
Last Updated Jan 5, 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 $209 $2,505
Progressive 20 $245 $2,942
Dairyland 20 $252 $3,021
Aspen 20 $290 $3,480
Last Updated Dec, 2024

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 $430 $5,164
Dairyland 20 $577 $6,927
Bluefire 20 $611 $7,332
Assurance America 20 $627 $7,530
Commonwealth Insurance 20 $628 $7,533
The General 20 $656 $7,868
Electric 20 $753 $9,034
Aspen 20 $776 $9,308
Mendota 20 $922 $11,060
Gainsco 20 $944 $11,326
Last Updated Dec, 2024

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 $2,926
35-44 $216 $2,589
45-54 $205 $2,464
Last Updated Jan 5, 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
Ready Insurance 36 $67 $810
Plymouth Rock 36 $83 $992
Safeco 36 $83 $993
Nationwide 36 $90 $1,076
Mercury 36 $91 $1,095
Last Updated Jan 5, 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 $234 $2,811
Assurance America 36 $251 $3,017
Bluefire 36 $262 $3,149
Safeco 36 $289 $3,463
Mendota 36 $342 $4,109
Commonwealth Insurance 36 $385 $4,617
The General 36 $407 $4,878
Aspen 36 $414 $4,963
Electric 36 $420 $5,035
Dairyland 36 $421 $5,051
Last Updated Dec, 2024

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 $192 $2,303
65+ $202 $2,420
Last Updated Dec, 2024

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 $96 $1,148
Progressive 65 $102 $1,228
Aspen 65 $104 $1,247
Last Updated Dec, 2024

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 $172 $2,065
Assurance America 65 $181 $2,178
Mendota 65 $212 $2,548
Bluefire 65 $215 $2,586
Aspen 65 $314 $3,771
Commonwealth Insurance 65 $314 $3,773
Bristol West 65 $333 $4,001
Electric 65 $342 $4,106
Safeco 65 $352 $4,229
The General 65 $355 $4,255
Last Updated Dec, 2024

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
$207 $2,487
Last Updated Dec, 2024
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
$166 $1,995 Assurance America TX
$188 $2,261 Bluefire TX
$267 $3,205 Bristol West TX
$202 $2,428 Clearcover TX
$196 $2,351 Commonwealth Insurance TX
Last Updated Dec, 2024

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 $3,249
660-750 $260 $3,123
<550 $265 $3,181
750+ $208 $2,499
Last Updated Dec, 2024

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
Safeco <550 $170 $2,040
Mercury <550 $176 $2,114
Last Updated Dec, 2024

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 $3,483
At Fault With No Injury $278 $3,334
Not At Fault $258 $3,091
$211 $2,527
Last Updated Jan 5, 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 $229 $2,748
Commonwealth Insurance At Fault With No Injury $231 $2,769
Progressive At Fault With No Injury $233 $2,799
Last Updated Dec, 2024

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
Last Updated Jan 5, 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 $3,148
Speeding over 15 $319 $3,830
Last Updated Dec, 2024

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 $194 $2,332
Bluefire $218 $2,616
Commonwealth Insurance $219 $2,629
Embark General $221 $2,656
Aspen $231 $2,770
Progressive $233 $2,798
Safeco $246 $2,949
Last Updated Dec, 2024

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 $3,165
$232 $2,779
Last Updated Jan 5, 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 $203 $2,435
Safeco $204 $2,450
Progressive $210 $2,515
Bluefire $228 $2,732
Commonwealth Insurance $237 $2,843
Mendota $281 $3,371
National General $292 $3,499
Dairyland $298 $3,581
Electric $318 $3,811
Last Updated Dec, 2024

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 $261 $3,135
Defective Equipment $282 $3,385
Driving on Sus. License $251 $3,010
Eluding Police $186 $2,226
Failure to Obey Traffic Sign $276 $3,314
Homicide $792 $9,507
Illegal Turn $239 $2,869
Improper Passing $307 $3,682
Leaving scene of an Accident/Hit and Run $314 $3,766
Open Container $288 $3,452
Other $287 $3,446
Passing School Bus $296 $3,547
Racing/Drag Racing $295 $3,536
Reckless Driving $281 $3,375
Seat Belt $145 $1,739
Suspension $287 $3,441
Vehicle Theft $205 $2,462
Wrong Way/Wrong Lane $322 $3,861
Last Updated Jan 5, 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.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

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.