Compare Cheap Auto Insurance in Texas

• The average cost of full coverage auto insurance in Texas is $2,353 annually. Minimum coverage is $864.
• USAA is the cheapest provider in multiple categories, but it’s only available to active-duty military, veterans and their immediate families. State Farm is also cheap across several categories and has higher-than-average customer satisfaction scores.
• Progressive and Allstate also have cheaper-than-average auto insurance rates for drivers in Texas, depending on the driver category.

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• Cheapest full coverage auto insurance in Texas: USAA ($1,627 annually) and State Farm ($1,741 annually)
• Cheapest minimum coverage: USAA ($563 annually), Progressive ($600 annually) and State Farm ($600 annually)
• Cheapest with a teen driver: USAA ($3,440 annually) and State Farm ($4,393 annually)
• Cheapest with a speeding ticket: USAA ($1,773 annually) and State Farm ($1,902 annually)
• Cheapest with an at-fault accident: State Farm ($1,969 annually) and USAA ($2,401 annually)
• Cheapest with a DUI: State Farm ($2,328 annually) and Progressive ($2,445 annually)
• Cheapest with low credit: Allstate ($2,330 annually) and USAA ($2,538 annually)

USAA has very high customer satisfaction ratings from J.D. Power; however, J.D. Power excludes the company from its official ranking of insurers due to USAA’s limited availability. State Farm ranks above average on both the regional customer satisfaction survey and the claims satisfaction survey from J.D. Power with scores of 654 and 710 out of 1,000, respectively. GEICO and Allstate also scored above-average in the customer satisfaction survey.

Pricing data is limited for Texas Farm Bureau and AAA (Auto Club of Southern California), but it’s worth noting that both of these companies ranked highly for customer satisfaction in Texas, as well as for satisfaction with the claims process. Get a quote to see if your rate is competitive.

Finding the best auto insurance rates in Texas involves comparing quotes and considering discounts. Here are some tips to help you get the cheapest possible auto insurance in Texas:

1. Compare quotes from multiple companies: One of the best ways to ensure you get the cheapest auto insurance rate is to compare quotes for yourself. Get quotes from at least three providers and see how they stack up cost-wise.
2. Ask about discounts: Leave no stone unturned when it comes to lowering your rate. Most auto insurance providers offer significant discounts. Some of the most popular are discounts for bundling your home and auto policies together with one company and low-mileage discounts for infrequent drivers.
3. Drive safe: Many insurers also offer telematics-based driving programs that save you money when you exhibit safe driving habits. Some even reduce your deductible if you remain accident-free.
4. Raise your deductible: Raising your deductible lowers your premium; however, it raises the amount you pay out of pocket before your insurance kicks in after a covered claim. Do the math with your savings and see if it makes sense for you to increase your deductible. If you’re not sure where to start, a $1,000 deductible often strikes a good balance — but ultimately, it comes down to your personal finances.

In general, living in a city will result in a higher premium than a suburb or rural area of Texas. Houston, the most populous city in Texas, has the highest average rates in the state at $2,551 annually. Dallas comes in next at $2,444 annually. Rates are more moderate in El Paso at $2,032 annually.

The minimum car insurance requirements in Texas include the following:

• Bodily Injury Liability: $30,000 per person and $60,000 per accident
• Property Damage Liability: $25,000 per accident⁴

Texas is an at-fault state, meaning you are responsible for damages in an accident you cause. It’s wise to raise your limits above the minimum, to at least 100/300/50 or 100/300/100. If you drive a newer car, it’s also a good idea to add comprehensive and collision coverage (if you leased or financed, your lender may require it).

We analyze average premiums in Texas for full and minimum coverage for good drivers with good credit. We also looked at various driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible