Good news for Texas drivers: Jerry’s latest data show that liability coverage averages just $366 per month in the Lone Star State. In the past year, we’ve helped 72,317 Texans find cheap car insurance, and drivers who buy with Jerry save an average of $471 a year without compromising on coverage.
Jerry compares quotes from up to 14 trusted insurers in Texas to build a policy and find you the best rate in minutes.
Save on Texas insurance with Jerry.
What Texas drivers are paying right now
Car insurance prices in Texas change constantly, and rates can vary a lot from one driver to the next. Seeing what other Texans pay can help you understand whether your rate is truly competitive.
Jerry tracks live quotes across Texas to give you a real-world snapshot of what drivers are paying today. Here are a few recent examples of drivers who purchased full coverage policies in Texas through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Give your rates a quick pulse check now and then. In Texas, shifting weather, busy highways and even minor changes to your driving profile can quietly influence what you’ll pay when renewal rolls around.
4 smart ways Jerry helps Texas drivers save on car insurance
If you’re looking to lower your car insurance costs in Texas, you’re definitely not alone. But chasing the cheapest quote isn’t always the smartest play. The real advantage comes from understanding what actually drives your rate.
Jerry makes that simple by comparing real offers, surfacing discounts you might otherwise miss and showing you exactly where you can save without trimming the coverage you count on.
Here are our best tips to help you spend less and stress less.
| How to save | Average Texas driver savings |
|---|---|
| Compare quotes | 38% to 60% |
| Stack discounts | 32% to 43% |
| Pick the right deductible | 16% to 71%* |
| Build a policy to fit your budget | 16%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer prices coverage differently, which means the same policy can cost hundreds more (or less) depending on who you’re with. Comparing quotes side by side with Jerry is the fastest, most effective way to lock in a better rate.
Here’s where Texas drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Texas drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 38% | 31% |
| Alpine Rio | 11% | 37% |
| Anchor General | 7% | 38% |
| Bristol West | 6% | 27% |
| Alpine Rio Basic PLUS | 6% | 40% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location matters, and two drivers in Texas with the same car and a similar driving record can still end up paying very different rates. Jerry shows you how those prices stack up and helps you find coverage that fits your life and your budget — sometimes saving you nearly half.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
From bundling home and auto to safe-driver rewards, most Texas drivers qualify for at least a few discounts. But insurers don’t always apply them automatically.
Jerry finds the ones you’re eligible for so savings don’t slip through the cracks.
Key takeaway: Discounts often deliver more meaningful savings than just raising your deductibles.
Jerry Agent Tip 3: Pick the right deductible
Raising your deductible can lower your premium. Just make sure it’s an amount you could comfortably cover out of pocket if you ever need to file a claim.
Here’s what Jerry drivers choose for their deductibles:
To find the sweet spot for your own deductible:
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Check your car’s current value (Jerry tracks this for you every month).
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Pick a deductible you could realistically afford in an unexpected repair situation.
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See how different deductible levels change your rate in real time.
The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, making it easy to choose the balance of cost and coverage that works best for your budget and comfort level.
Jerry Agent Tip 4: Choose coverage you can comfortably keep
A lapse in insurance can hit your wallet hard. Jerry drivers see premiums jump an average of 16% after even a short gap in coverage. The smartest move is picking a policy that fits your budget month after month, so you’re never forced to let it drop.
If you’re trying to balance protection and affordability, Jerry gives you clear, real-time pricing across multiple coverage levels. You can see exactly what each option costs, choose what you can reliably maintain and avoid the rate spikes that come with a lapse.
Get personalized car insurance rates now.
Enhance your coverage without overspending
For Texas drivers, the right mix of coverage can save you money over time while protecting you when it matters most. Here are the coverage types Texans can choose from when shopping for the best policy and rate:
Minimum
$92 – $183/mo
Meets Texas’s 30/60/25 liability requirements to keep costs down, but doesn’t cover damage to your own vehicle.
Full
$175 – $351/mo
Adds collision and comprehensive coverage for your car, which is often required if your vehicle is financed or leased.
Standard
$224 – $428/mo
Includes uninsured/underinsured motorist coverage and medical payments (or PIP), especially valuable in Texas where many severe crashes involve uninsured drivers.
Preferred
$233 – $415/mo
Offers higher liability limits, lower deductibles, and extras like towing and rental reimbursement for broader protection.
Key takeaway: Start with your comfort level around risk and the value of your car, then let Jerry show you what each option costs in real time.
The cheapest policy in Texas is liability-only, but a few affordable add-ons can make a big difference when you need them most. Here’s a quick look at what each type of coverage offers:
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Coverage definitions
Texas insurance factors at a glance
From Gulf Coast storms to Texas highway traffic, where and how you drive in the Lone Star State plays a major role in what you pay for car insurance. Here’s what stands out most and how to stay protected.
Severe weather
Texas sees hurricanes, hail, flooding and tornadoes. Comprehensive coverage is often worth keeping, even on older cars, to protect against storm-related damage.
Heavy traffic
From DFW to Houston and Austin, busy Texas corridors increase accident risk. Safe driving habits and telematics tools like Jerry DriveShield can help keep rates in check over time.
Uninsured drivers
More than 1 in 7 Texas drivers is uninsured. Protect yourself by matching your uninsured and underinsured motorist limits to your own liability coverage.
Comparative negligence law
Texas has a modified comparative negligence rule, allowing you to recover damages as long as you’re not more than 50% at fault. But collision coverage protects your car regardless of fault.
Texas Insurance After a Ticket, Accident or SR-22
Life happens, but Jerry helps make sure one mistake doesn’t define your rates forever.
You can still lock in a cheap price even if your driving record isn’t perfect. Jerry works with top insurers that are more flexible about past tickets or claims, and we automatically re-shop your policy as your record improves.
If you got a ticket
A speeding ticket in Texas typically adds points to your driving record, and too many points within three years can lead to surcharges or license penalties. That’s not counting other more serious citations like running a red light, failing to yield or distracted driving.
Beyond the points, even one ticket can raise your insurance rate by 15% to 30%, and the impact can stick around for years. Avoiding citations is the best way to keep costs down, but if you do get one, taking a state-approved defensive driving course can often dismiss the ticket or reduce the surcharge. It may also lower your premium.
Once you’re signed up in the Jerry app, we’ll monitor your driving record and automatically shop for lower rates as soon as your violation clears, so you’re not paying more than you should.
Here are the average rate increases we’ve seen for Texas drivers after a ticket:
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Speeding under 15: 2%
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Speeding over 15: 14%
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Failure to obey traffic sign: 8%
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Reckless driving: 29%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
An at-fault crash raises premiums for Texas drivers by an average of 19%, and those higher rates can linger for three to five years. Jerry helps you find the best rates right away so you’re not overpaying, then automatically re-shops your coverage once the accident drops off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $440 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
There’s no getting around it: Your rates will almost certainly rise after a DUI and stay elevated for about three to five years. On average, Texas drivers see their premiums jump by around 24% after a DUI conviction.
But that doesn’t mean you have to overpay. Jerry connects you with top insurers that offer fair rates and dependable coverage even after a DUI. We automatically re-shop your policy as your record improves, so you can save as soon as you’re eligible.
Here are the five cheapest carriers for Texas drivers with a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $273 | Yes | |
| $273 | Yes | |
| $307 | Yes | |
| $316 | Yes | |
| $335 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Texas
In Texas, an SR-22 certificate may be required if you’re convicted of certain violations, have a lapse in coverage or are involved in an accident while uninsured.
If you need one, just check the SR-22 box in the Jerry app, and we’ll show you only insurers that handle the filing. Some carriers charge a small fee to file the SR-22 on your behalf, typically around $25 per year.
Car Insurance with Bad Credit
Credit scores can affect insurance rates in Texas, but that doesn’t mean you’re locked into higher prices. Keeping continuous coverage and checking quotes regularly can help offset the impact, and Jerry makes that process feel effortless.
Average rates in Texas by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Texas’s mix of extreme weather, long highway commutes and fast-growing cities means there’s no one-size-fits-all insurance plan. The key is finding coverage that fits your life on the road, not just your budget. Jerry makes that easy, matching you with strong, affordable policies tailored to how you actually drive.
Get Texas coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
