Jerry Summary

AAA offers the cheapest full coverage car insurance in Texas at $108 per month, according to Jerry’s July 2025 data analysis. The average cost of full coverage car insurance in Texas is$309 per month. The best way to find cheap car insurance in Texas is to compare quotes from multiple carriers and check for discounts when you shop.

Any Texan will tell you that Dallas is nothing like Austin, Houston has little in common with San Antonio and Corpus Christi is far in distance and spirit from Amarillo. But one thing unites them all: Texas drivers need car insurance.

In a state this large and diverse, it’s hard to predict which insurer will offer the cheapest coverage. Rates in El Paso may look nothing like those in Waco — and two neighbors in New Braunfels might pay very different premiums. Researching and comparing quotes is the best way to find cheap car insurance in Texas.

• Why you can trust Jerry’s editorial content

  Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced journalists. Every fact is thoroughly researched, independently verified and routinely updated. Our editorial team is independent, meaning our content is free from partner influence. All insights drawn from Jerry’s proprietary customer auto insurance quotes data provide unique, real-world guidance.

Where to get the cheapest full coverage insurance in Texas

The cheapest full coverage car insurance in Texas costs $108 per month and is offered by AAA, according to Jerry’s analysis of quotes for Texas drivers.

Most financial experts recommend carrying full coverage car insurance, which includes the state’s required liability car insurance and coverage for your own car. There are two key components to full coverage car insurance:

• Collision insurance pays for damage to your car after an accident, regardless of who caused it.
• Comprehensive pays for damage from animal collisions, vandalism, theft and weather. This is coverage you’d want when a spur-of-the-moment hailstorm rolls through.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Here are the lowest rates we found for full coverage car insurance in Texas.

Cheapest minimum coverage car insurance in Texas

Minimum coverage is the absolute cheapest car insurance you can buy to legally drive in Texas. It covers damage that you cause to other people in a wreck, but it doesn’t pay for damage or injuries you walk away with. Especially for drivers who make long trips across the state, carrying liability-only insurance risks losing access to your car if it’s totaled or stolen.

Texas requires the following minimum coverage amounts:

• $30,000 of bodily injury per person.
• $60,000 of bodily injury per per accident.
• $25,000 for property damage.

Cheapest Texas car insurance by age

When you first start driving, your age is one of the heftiest factors affecting your premium costs — young Texans are just going to pay higher rates than more experienced drivers.

Once you reach your 30s, rates don’t vary as much due to your age, but different life events like adding a second car to your policy, having an academically inclined kid or adding a home to your insurance policy can get you discounts.

Then, in your later years, rates start to tick back up.

In every stage of life, you have a good reason to regularly shop for cheaper coverage, whether it’s because your age is a more significant factor or because bigger life events qualify you for better rates.

Cheapest insurance for young drivers in Texas

AAA offers the cheapest car insurance for young Texans seeking full coverage at $108 per month, according to Jerry's quote analysis.

Young Texans may have a difficult time finding low-cost car insurance because insurers see their lack of driving experience as more of a risk. This is true for all drivers in their teens and early 20s, not just Texans, and it means they may have to cast a wider net to find the best rates.

Car insurance is generally cheaper for young Texans who remain on their parents’ policy. If that’s not possible, it’s wise to research full coverage and liability-only policies to determine which is best for you.

More: Cheap car insurance for teens

Cheap car insurance for 30- to 64-year-old Texans

The cheapest car insurance for Texas drivers between 30 and 64 years old seeking full coverage costs $152 per month and is offered by Aspire Advantage, according to Jerry's data.

Once you reach your 30s, age doesn’t sway your car insurance rates as much, and it stays that way for a few decades. But a lot can happen between 30 and 64 — you may add a partner to your policy, have children who become drivers, move several times and your credit score will probably fluctuate.

If you spend all those years in Texas, you may live through a hurricane, a few freezes or flooding events.

All of those major steps can have a big impact on car insurance rates, so it’s smart to shop regularly as life changes.

Cheapest car insurance for drivers 65 and older in Texas

The cheapest car insurance for Texans age 65 and older seeking full coverage costs $150 per month and is offered by Progressive, according to Jerry's quote analysis.

When you reach your 60s and 70s, insurers expect your reaction time to slow and your eyesight to become less sharp, and they raise their rates accordingly.

This is a time when you may consider what type of coverage is right for you: If you drive an older car that may not be worth much more than the annual cost to insure it — and you don’t venture past your H-E-B or Kroger — it may not make sense to carry full coverage anymore. On the other hand if a sporty new car is your retirement splurge and you like the occasional joy ride, comprehensive and collision insurance are must-haves.

These are the cheapest full coverage rates offered to older Texans.

It’s generally not wise to lower liability limits in your later years, because liability insurance stands between you and a major loss of your hard-earned money. This coverage pays for property damage and injuries you cause to others in an accident, and if you cause more damage than your insurance will cover, you risk losing your savings.

Many drivers stick with limits of $100k/$300k/$100k or choose amounts that are equal to or higher than their net worth to protect their assets.

More: Best car insurance for seniors

Cheap Texas car insurance for drivers with poor credit

Most states, including Texas, allow insurers to consider drivers’ credit histories to price their car insurance policies. A low score is correlated with a higher likelihood of claims, so insurers may view someone with a sub-550 score as riskier and charge a higher premium.

The average credit score in Texas was 695 in 2024, according to Experian, and if yours is well below that number, you may face higher rates.

It also means there’s room for improvement, if you make on-time bill payments and keep a low utilization ratio on your credit cards. Be sure to shop for new rates if ever your score improves significantly, too.

Progressive charges the lowest full coverage car insurance rates to Texans with credit scores below 550 at $209 per month, according to Jerry's quoting data.

Cheapest car insurance after an accident in Texas

With millions of licensed drivers and more than a dozen interstates in Texas, accidents are bound to happen. Whether you’re in a rush hour fender bender on Interstate 35 or you try an unsuccessful last-minute dodge out of a turnaround, any at-fault accident will probably affect your premium.

The cheapest car insurance for Texans with an at-fault accident on their record is from Trexis at $271 per month, according to Jerry’s quoting data.

Cheap car insurance for Texans with speeding tickets

Texans can expect a speeding ticket to stay on their record for about three years, depending on the severity of the ticket and any prior incidents. Drivers with clean records who were going less than 15 mph over the limit may not see much change at all in their premiums, while those who were going faster than 15 mph over the limit will likely pay more.

The cheapest quotes for Texans with a speeding ticket for driving less than 15 mph over the limit seeking full coverage insurance through Jerry comes from Safeco with an average monthly rate of $166.

Root offers the cheapest full coverage car insurance for Texas drivers with a speeding ticket for driving more than 15 mph over the limit at $246 per month.

Cheapest auto insurance for drivers with DWIs in Texas

Drivers in Texas who are convicted of driving while intoxicated can pay a fine of up to $2,000, spend up to 180 days in jail and lose their license for up to a year — just for the first offense. The penalties bleed into your car insurance rates, too: Insurers consider a DWI to be one of the most serious violations drivers can commit, and they raise premiums and tighten conditions accordingly.

If you’ve been convicted of a DWI in Texas, the best thing you can do to keep insurance costs low is to shop around. Some insurers specialize in coverage for drivers who have severe offenses like DWI on their records, and they may be able to offer cheaper insurance than nationally known companies.

The cheapest quotes for drivers with a DWI conviction seeking full coverage insurance through Jerry comes from Root with an average monthly rate of $219.

The cheapest car insurance for Texans with a DWI seeking a minimum coverage policy is Assurance America with an average monthly premium of $90.

Cheapest car insurance rates for drivers with other violations in Texas

Citations of all kinds go on your driving record in Texas, and moving violations in particular are likely to raise your rates. Everything from an illegal turn to a hit-and-run can indicate that you’re a risky driver to an insurer.

How to shop for cheap car insurance

Because so many factors help determine your rate — and some of them, like the Texas weather, can change quickly — it’s smart to shop for car insurance every six to 12 months. The company that offered you the best rate a few months ago may not offer the best rate today. 

Here are the steps to find the cheapest car insurance in Texas.

1. Get familiar with the state requirements. State requirements don’t change often, but it’s always good to know what they are before you start shopping. Drivers in Texas must carry 30/60/25 liability insurance, meaning $30,000 for bodily injury per person, $60,000 for bodily injury per accident and $25,000 for property damage. Minimum coverage is the cheapest option, but it may not cost much more to raise your limits and get fuller financial protection.
2. Gather your information. To get an insurance quote, you usually need your personal details — like birthday, driver’s license number and social security number — along with your car’s make, model, year, and VIN, and your address.
3. Compare quotes. As with any purchase, more estimates are better. It’s wise to get a quote from at least two or three different insurers — and more if the quotes are wildly different. Make sure you’re comparing the same liability limits across insurers and provide the most accurate information possible for an apples-to-apples comparison.
4. Check for discounts. For each quote, you want to be sure that any and all discounts are applied before you make a decision. If an online quote doesn’t break down these details, give the insurer a call.
5. Buy a policy. Once you’ve chosen a carrier, you’ll fill out an application online or over the phone, make your first premium payment and the coverage will activate. Your new insurer will provide your ID cards. If you require an SR-22 form, the insurer will file it with the Texas Department of Public Safety.
6. Cancel your old coverage. Call your previous insurance company and tell them to cancel your old coverage. If you switched insurers in the middle of your policy, the old insurer will likely reimburse you for any unused coverage. Make sure your new insurance is active before you cancel the old policy to avoid a lapse, which can be quite costly when you pick coverage back up.

Factors affecting Texas car insurance rates in 2025

Though car insurance rates are tailored to each driver, Texans face a unique set of challenges, including:

• More accidents: Accidents that result in death or injury have been on the rise statewide since 2021, according to the Texas Department of Transportation (TXDOT). An increase in severe crashes is an indicator to insurers that they are more likely to have to pay out a severe accident claim, which leads them to charge higher premiums.
• Dense highways: Sixteen interstates run through Texas, according to TXDOT, and in major cities the highways can be as wide as 12 lanes. More drivers traveling at high speeds at once creates a real risk for insurers, which they pass on to their customers in the form of higher premiums.
• Hurricanes: The state is hit by at least one hurricane a year, on average, according to the National Oceanic and Atmospheric Administration. Many of these come up through the Gulf coast, sweeping over cities like Houston, Galveston and Corpus Christi along the way. Insurers hedge against the significant damage these storms can cause by keeping insurance costs high.
• Flooding: If you live in the Hill Country, you’re going to see a good number of storms each year. This area is called Flash Flood Alley because it’s where the warm air off the Gulf collides with the cool northern air, causing extra-wet wet seasons. These storms can cause flooding substantial enough to lift cars off the road and send them downstream, and insurers view that as a risk of living in the area.
• Freezes: A less common but still-trecherous occurrence in the state is a good dayslong freeze. Most cities in Texas don’t salt roads like other states do after a freeze, and some cities don’t treat the roads before one, so when it does freeze, drivers are vulnerable to slippery roads — a risk insurers account for, especially up in the Dallas-Fort Worth area.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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Lacie Glover

Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.

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