Cheapest Car Insurance in Texas for May 2025

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Cheapest Car Insurance in Texas for May 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. 

To find the best car insurance in Texas, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Texas.

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
Infinity $101 $1,212
Safeco $116 $1,390
Assurance America $125 $1,496
Bluefire $125 $1,498
Aspen $132 $1,586
Commonwealth Insurance $136 $1,629
Progressive $146 $1,754
Anchor General $150 $1,804
Bristol West $194 $2,324
The General $194 $2,330
Last Updated May 26, 2025

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.

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
First Acceptance $156 $1,872
Progressive $244 $2,925
Assurance America $263 $3,150
Mercury $263 $3,153
Safeco $279 $3,343
Bluefire $286 $3,428
Aspire Advantage $286 $3,437
Trexis $311 $3,737
Root $339 $4,067
Anchor General $343 $4,112
Last Updated May 22, 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 $457 $5,488
21-24 $363 $4,353
Last Updated May 21, 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 $119 $1,425
Anchor General 20 $169 $2,024
Trexis 20 $204 $2,443
Commonwealth Insurance 20 $249 $2,991
Dairyland 20 $263 $3,154
Last Updated May 24, 2025

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
Anchor General 20 $357 $4,281
Progressive 20 $446 $5,357
Root 20 $515 $6,186
Dairyland 20 $561 $6,736
Assurance America 20 $562 $6,749
Mendota 20 $630 $7,557
Bluefire 20 $636 $7,628
Bristol West 20 $688 $8,256
The General 20 $708 $8,499
Commonwealth Insurance 20 $815 $9,785
Last Updated May 26, 2025

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 $283 $3,400
35-44 $258 $3,096
45-54 $240 $2,885
Last Updated May 23, 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
Safeco 36 $80 $955
Anchor General 36 $100 $1,195
Bluefire 36 $108 $1,296
Assurance America 36 $112 $1,342
Aspen 36 $116 $1,396
Last Updated May 24, 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 $221 $2,656
Mercury 36 $263 $3,153
Bluefire 36 $264 $3,172
Assurance America 36 $269 $3,225
Root 36 $278 $3,335
Safeco 36 $287 $3,448
Mendota 36 $342 $4,099
Bristol West 36 $352 $4,225
The General 36 $367 $4,400
Commonwealth Insurance 36 $368 $4,422
Last Updated May 24, 2025

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 $223 $2,682
65+ $235 $2,818
Last Updated May 26, 2025

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 $86 $1,030
Progressive 65 $97 $1,169
Safeco 65 $100 $1,199
Aspen 65 $101 $1,210
Assurance America 65 $108 $1,293
Last Updated May 23, 2025

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 $156 $1,876
Assurance America 65 $178 $2,142
Bluefire 65 $210 $2,523
Mendota 65 $216 $2,597
Commonwealth Insurance 65 $218 $2,620
Root 65 $220 $2,637
The General 65 $244 $2,922
Dairyland 65 $290 $3,482
Aspen 65 $307 $3,680
Safeco 65 $309 $3,705
Last Updated May 22, 2025

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
$239 $2,865
Last Updated May 24, 2025
Avg Monthly Quote
Avg Annual Quote
At-fault Accident on Record
Insurance Company
State
Violation Summary
$137 $1,645 Anchor General TX
$186 $2,227 Aspen TX
$124 $1,490 Aspire Advantage TX
$157 $1,887 Assurance America TX
$196 $2,357 Bluefire TX
$277 $3,328 Bristol West TX
$368 $4,410 Clearcover TX
$172 $2,060 Commonwealth Insurance TX
$292 $3,505 Dairyland TX
$321 $3,849 Electric TX
Last Updated May 21, 2025

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 $287 $3,445
660-750 $275 $3,305
<550 $272 $3,267
750+ $233 $2,800
Last Updated May 24, 2025

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
Aspire Advantage <550 $102 $1,228
Anchor General <550 $150 $1,805
Assurance America <550 $180 $2,157
Trexis <550 $188 $2,262
Commonwealth Insurance <550 $190 $2,285
Last Updated May 24, 2025

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 $321 $3,850
At Fault With No Injury $331 $3,974
Not At Fault $308 $3,695
$241 $2,897
Last Updated May 21, 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
Aspire Advantage At Fault With No Injury $94 $1,125
Anchor General At Fault With No Injury $160 $1,919
Assurance America At Fault With No Injury $222 $2,666
Progressive At Fault With No Injury $230 $2,762
Trexis At Fault With No Injury $234 $2,806
Last Updated May 21, 2025

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
Progressive At Fault With Injury $213 $2,552
Bluefire At Fault With Injury $216 $2,586
Aspen At Fault With Injury $225 $2,697
Safeco At Fault With Injury $228 $2,735
Commonwealth Insurance At Fault With Injury $230 $2,758
Last Updated May 24, 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 $257 $3,081
Speeding over 15 $345 $4,141
Last Updated May 26, 2025

Here’s the cheapest insurance companies if you have a speeding ticket in Texas.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $112 $1,348
Trexis $154 $1,852
Anchor General $196 $2,347
Assurance America $199 $2,388
Embark General $221 $2,656
Progressive $232 $2,783
Safeco $236 $2,838
Commonwealth Insurance $237 $2,849
Bluefire $238 $2,854
Aspen $261 $3,129
Last Updated May 23, 2025

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 $290 $3,474
$271 $3,253
Last Updated May 24, 2025

The cheapest insurance rate for Texas drivers with a DUI are as follows:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspen $189 $2,273
Safeco $203 $2,439
Progressive $209 $2,506
Assurance America $213 $2,556
Bluefire $230 $2,757
Commonwealth Insurance $231 $2,776
Root $286 $3,431
Mendota $291 $3,497
Dairyland $299 $3,583
Gainsco $303 $3,630
Last Updated May 24, 2025

Average car insurance for drivers with other violations in Texas

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $314 $3,765
Cell Phone $282 $3,386
Defective Equipment $229 $2,752
Driving on Sus. License $256 $3,072
Eluding Police $185 $2,222
Failure to Obey Traffic Sign $318 $3,811
Homicide $244 $2,933
Illegal Turn $293 $3,520
Improper Passing $322 $3,868
Leaving scene of an Accident/Hit and Run $257 $3,086
Open Container $284 $3,405
Other $302 $3,621
Passing School Bus $458 $5,494
Racing/Drag Racing $222 $2,668
Reckless Driving $319 $3,827
Suspension $283 $3,391
Vehicle Theft $205 $2,462
Wrong Way/Wrong Lane $326 $3,913
Last Updated May 24, 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

  • What is the cheapest car insurance in Texas?​
  • What is the cheapest full coverage car insurance in Texas?​

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.