Commonwealth Casualty is the cheapest car insurance provider in Texas for both men and women, although it’s cheaper for women. The average cost for men is $708 a year, while the average annual cost for women is $684. Allstate is the cheapest car insurance provider for teenagers in Texas, with annual averages of $1,511 for female teens and $1,749 for male teens. Texas is one of the many states where men pay more for car insurance than women.
By Marital Status
Married people in Texas pay lower rates than single people, even if they’re single due to divorce, separation, or death of a spouse. Commonwealth Casualty is the cheapest option for both married and single people, but married people could pay as little as $612 a year, while $720 is the low end for single people.
By Military Status
USAA offers military personnel in Texas car insurance for $424 a year, which is the lowest rate we’ve found.
If you want to get only the minimum coverage Texas requires, look into GEICO, which offers policies for as little as $372 a year. For full coverage, Farmers offers policies for $821 annually.
By Credit Scores
Texas is one of the states where car insurance companies can base premiums on credit scores. If you have a good credit score, you’ll find the lowest rate — $1,756 per year — at State Farm, while Clearcover is the best option for those with bad credit scores. The lowest cost we’ve seen from Clearcover is $612 a year.
The cost of auto insurance for teens is higher than the rates for any other age group due to their lack of driving experience. Here are the cheapest prices we’ve found for any age.
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By Driving Record
If you have a good driving record, Clearcover is an excellent option, with policies available for as little as $468 per year.