Key Takeaways
- Aspire Advantage, Progressive and Safeco offer cheap car insurance in Texas, according to Jerry’s data analysis.
- 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.
You can get cheap car insurance in Texas from companies like Aspire Advantage, Progressive and Safeco, according to Jerry’s data analysis.
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.
More than 250,000 people were injured in crashes in the state in 2024, according to the Texas Department of Transportation.
The average state-mandated minimum coverage policy costs $266 per month on average, according to Jerry’s quote data. The national average monthly rate is currently $259.
For full coverage, Texans pay an average of $358. While the average American pays $342, according to Jerry’s data.
Texas law requires drivers to carry these minimum coverages:
- $30,000 of bodily injury per person.
- $60,000 of bodily injury per per accident.
- $25,000 for property damage.
Cheapest minimum coverage insurance in Texas
Finding cheap minimum coverage car insurance in Texas is a smart move for drivers looking to meet legal requirements at the lowest possible cost. Minimum liability coverage typically includes only the essential protection needed to drive legally — covering damages you cause to other people or their property in an accident. While it doesn’t pay for repairs to your own vehicle, it’s often the most budget-friendly option, especially for older cars or drivers who don’t drive frequently. Texas drivers can keep costs down by comparing providers and choosing a plan that fits both their needs and their budget.
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
|
|---|---|---|
| Aspire Advantage | $58 | $695 |
| Infinity | $101 | $1,212 |
| Safeco | $117 | $1,409 |
| Bluefire | $126 | $1,511 |
| Assurance America | $126 | $1,515 |
| Aspen | $133 | $1,597 |
| Commonwealth Insurance | $136 | $1,629 |
| Progressive | $147 | $1,759 |
| Anchor General | $150 | $1,804 |
| Bristol West | $188 | $2,253 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Texas
Finding affordable full coverage car insurance in Texas means selecting a policy that offers strong protection in a variety of scenarios. Full coverage generally includes liability, collision and comprehensive insurance which can cover you from things like severe weather, accidents, theft and more. It’s especially important if your vehicle has high value or is financed.
Check out actual average full coverage quotes in Texas from a variety of insurance companies in the table below. Drivers should compare quotes from several insurers to find the most cost-effective full coverage plan.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| First Acceptance | $186 | $2,229 |
| Mercury | $212 | $2,548 |
| Progressive | $243 | $2,921 |
| Assurance America | $267 | $3,199 |
| Trexis | $275 | $3,304 |
| Safeco | $282 | $3,389 |
| Bluefire | $285 | $3,423 |
| Aspire Advantage | $286 | $3,437 |
| Embark General | $289 | $3,474 |
| Anchor General | $314 | $3,768 |
Cheapest car insurance for young drivers in Texas
In Texas, young drivers face high premiums largely because insurers associate age with increased risk and uncertainty. The vast mix of rural highways and dense city traffic only heightens concern for new drivers. Rates stay high until drivers demonstrate long-term safe behavior but young drivers can explore safe driver apps and academic incentives to reduce costs.
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 | $453 | $5,433 |
| 21-24 | $359 | $4,306 |
Cheapest liability-only policy in Texas for a 20 year old
In Texas, liability-only coverage can be a cost-effective way for a 20-year-old to fulfill legal requirements. Younger drivers often don’t need the bells and whistles of full coverage, especially with older vehicles. This option keeps insurance simple and more affordable during early adulthood.
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 | $251 | $3,008 |
| Assurance America | 20 | $261 | $3,128 |
Cheapest full coverage policy in Texas for a 20 year old
In Texas, a 20-year-old may choose full coverage as this type of insurance helps cover costs that can pile up quickly after an accident. It’s especially useful when driving a newer or financed car.
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 | $450 | $5,405 |
| Safeco | 20 | $504 | $6,048 |
| ROOT | 20 | $509 | $6,108 |
| Assurance America | 20 | $562 | $6,749 |
| Dairyland | 20 | $568 | $6,817 |
| Bluefire | 20 | $651 | $7,815 |
| The General | 20 | $666 | $7,988 |
| Mendota | 20 | $666 | $7,990 |
| Bristol West | 20 | $685 | $8,226 |
Average car insurance for mature drivers in Texas (25-54 years old)
In Texas, experienced drivers typically receive more competitive insurance rates due to their proven reliability. Insurers favor applicants with fewer claims and a steady record and that dependability is rewarded with lower insurance bills.
Rates start stabilizing for mature drivers at around $200-$250 per month.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $282 | $3,382 |
| 35-44 | $259 | $3,112 |
| 45-54 | $241 | $2,888 |
Cheapest liability-only policy in Texas for a 36 year old
The average Jerry customer is 36 years old. A 36-year-old in Texas may stick with liability-only coverage if their vehicle has aged past the need for extensive protection. This option offers legal compliance while keeping costs reasonable and it’s well-suited for experienced drivers who value efficiency.
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 | $53 | $638 |
| Bluefire | 36 | $108 | $1,298 |
| Assurance America | 36 | $114 | $1,364 |
| Commonwealth Insurance | 36 | $114 | $1,368 |
| Aspen | 36 | $118 | $1,412 |
Cheapest full coverage policy in Texas for a 36 year old
A 36-year-old in Texas may lean toward full coverage to protect their car from a wide variety of potential issues such as weather, traffic accidents and theft. Comprehensive insurance helps avoid large repair bills after accidents or natural events and it’s a solid choice for anyone who spends a lot of time on the road.
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 | $223 | $2,672 |
| Mercury | 36 | $263 | $3,153 |
| Bluefire | 36 | $263 | $3,162 |
| Assurance America | 36 | $270 | $3,240 |
| Safeco | 36 | $283 | $3,398 |
| ROOT | 36 | $289 | $3,466 |
| Bristol West | 36 | $339 | $4,063 |
| Mendota | 36 | $345 | $4,139 |
| Commonwealth Insurance | 36 | $350 | $4,197 |
| The General | 36 | $365 | $4,382 |
Average car insurance for older drivers (55+ years old)
In Texas, older drivers could see premium increases as wide highways and varied driving conditions test their reflexes. Physical changes like slower movement or diminished eyesight become risk indicators and insurance providers use these factors to shape their coverage rates. It’s a proactive effort to ensure both safety and financial preparedness.
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 | $222 | $2,669 |
| 65+ | $231 | $2,774 |
Cheapest liability-only policy in Texas for a 65 year old
In Texas, seniors may find liability-only insurance ideal when their car is paid off and used mostly for errands. Avoiding the extra cost of full coverage can free up funds for other priorities within their budget. It can be a savvy choice for those looking to drive less and spend less.
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 | $84 | $1,009 |
| Safeco | 65 | $99 | $1,184 |
| Progressive | 65 | $100 | $1,198 |
| Assurance America | 65 | $108 | $1,300 |
| Aspen | 65 | $110 | $1,314 |
Cheapest full coverage policy in Texas for a 65 year old
Older drivers often select full coverage to guard against the risks of events like traffic accidents, storms and theft. Seniors that frequently use their vehicles for daily activities and social visits may appreciate the reassurance full coverage offers as it balances vehicle protection with budget management.
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 | $152 | $1,821 |
| Assurance America | 65 | $183 | $2,193 |
| Mendota | 65 | $201 | $2,416 |
| Bluefire | 65 | $205 | $2,465 |
| ROOT | 65 | $211 | $2,537 |
| Commonwealth Insurance | 65 | $236 | $2,832 |
| The General | 65 | $239 | $2,862 |
| Gainsco | 65 | $278 | $3,336 |
| Bristol West | 65 | $290 | $3,477 |
| Dairyland | 65 | $290 | $3,482 |
Average car insurance for drivers with clean records in Texas
Having a clean driving record in Texas gives you a strong advantage when shopping for insurance. It signals a long-standing commitment to safe and responsible driving and insurers may offer better pricing and broader options in response. Your record helps define your eligibility.
If you have no violations or claims, here’s what you can expect to pay on average:
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|
| $240 | $2,881 |
|
Avg Monthly Quote
|
Avg Annual Quote
|
At-fault Accident on Record
|
Insurance Company
|
State
|
Violation Summary
|
|---|---|---|---|---|---|
| $203 | $2,442 | Anchor General | TX | ||
| $185 | $2,219 | Aspen | TX | ||
| $121 | $1,456 | Aspire Advantage | TX | ||
| $162 | $1,942 | Assurance America | TX | ||
| $193 | $2,321 | Bluefire | TX | ||
| $270 | $3,240 | Bristol West | TX | ||
| $361 | $4,336 | Clearcover | TX | ||
| $170 | $2,039 | Commonwealth Insurance | TX | ||
| $292 | $3,507 | Dairyland | TX | ||
| $319 | $3,827 | Electric | TX |
Average car insurance for drivers with low credit scores in Texas
Texas insurers commonly factor credit scores into their pricing decisions. A lower score might suggest that a driver poses more financial or claim-related risk and this affects the premium and available options. It’s one of many tools used in the insurance quoting process.
When your credit improves, your average monthly generally improve too.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 550-659 | $288 | $3,452 |
| 660-750 | $274 | $3,285 |
| <550 | $274 | $3,292 |
| 750+ | $229 | $2,747 |
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 | $99 | $1,194 |
| Embark General | <550 | $132 | $1,584 |
| Trexis | <550 | $162 | $1,946 |
| Assurance America | <550 | $186 | $2,231 |
| Commonwealth Insurance | <550 | $196 | $2,349 |
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 | $352 | $4,224 |
| At Fault With No Injury | $329 | $3,946 |
| Not At Fault | $308 | $3,701 |
| $242 | $2,907 |
Cheapest car insurance for drivers with at-fault accidents with no injury in Texas
At-fault property damage incidents in Texas influence how your policy is managed. These accidents carry repair costs and insurers may raise your premiums or revise terms because of them. These types of accidents can remain on your record for several years.
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Aspire Advantage | At Fault With No Injury | $122 | $1,464 |
| Trexis | At Fault With No Injury | $167 | $2,000 |
| Mercury | At Fault With No Injury | $195 | $2,346 |
| Anchor General | At Fault With No Injury | $201 | $2,418 |
| First Acceptance | At Fault With No Injury | $220 | $2,638 |
Cheapest car insurance for drivers with at-fault accidents with injury in Texas
Causing injury in an accident in Texas is treated as a significant risk by insurers. These events result in complex and often expensive claims and your insurer may respond with stricter conditions or increased rates.
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | At Fault With Injury | $212 | $2,539 |
| Aspen | At Fault With Injury | $227 | $2,730 |
| Anchor General | At Fault With Injury | $230 | $2,759 |
| Safeco | At Fault With Injury | $238 | $2,860 |
| Bluefire | At Fault With Injury | $263 | $3,159 |
Cheapest car insurance for drivers with a speeding ticket in Texas
Speeding in Texas can lead insurers to reconsider your rate structure. It shows a moment when traffic laws weren’t followed and even without an accident, a single ticket can influence your profile. Insurers factor these events into risk assessments and adjust policy quotes accordingly.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Speeding under 15 | $256 | $3,068 |
| Speeding over 15 | $341 | $4,088 |
Here’s the cheapest insurance companies if you have a speeding ticket in Texas.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $117 | $1,401 |
| Trexis | $154 | $1,852 |
| Mercury | $180 | $2,162 |
| Embark General | $197 | $2,360 |
| Assurance America | $208 | $2,492 |
| Anchor General | $208 | $2,498 |
| Progressive | $229 | $2,751 |
| Safeco | $232 | $2,783 |
| Aspen | $235 | $2,814 |
| Bluefire | $236 | $2,830 |
Cheapest car insurance for drivers with a DUI in Texas
Getting a DUI on your record in Texas will increase your insurance rates. DUI offenses in Texas carry serious insurance repercussions as they signal high-risk behavior and disregard for public safety. Most insurers raise premiums and limit policy availability and a DUI can affect your profile long after the legal issue is resolved.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| DUI | $286 | $3,426 |
| $272 | $3,259 |
The cheapest insurance rate for Texas drivers with a DUI are as follows:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspen | $189 | $2,264 |
| Assurance America | $194 | $2,328 |
| Safeco | $203 | $2,439 |
| Progressive | $211 | $2,530 |
| Bluefire | $229 | $2,742 |
| Commonwealth Insurance | $265 | $3,181 |
| ROOT | $272 | $3,263 |
| Mendota | $287 | $3,442 |
| Bristol West | $304 | $3,650 |
| Gainsco | $305 | $3,657 |
Average car insurance for drivers with other violations in Texas
Other infractions in Texas, such as distracted driving or running stop signs, are added to your driving record as well. They indicate risky habits that insurers monitor closely and frequent offenses can reduce your access to better rates. Maintaining a clean slate improves your outlook and will garner cheaper quotes in the future.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $332 | $3,979 |
| Cell Phone | $275 | $3,305 |
| Defective Equipment | $229 | $2,752 |
| Driving on Sus. License | $256 | $3,071 |
| Eluding Police | $187 | $2,246 |
| Failure to Obey Traffic Sign | $309 | $3,704 |
| Homicide | $244 | $2,933 |
| Illegal Turn | $304 | $3,651 |
| Improper Passing | $345 | $4,137 |
| Leaving scene of an Accident/Hit and Run | $210 | $2,519 |
| Open Container | $293 | $3,514 |
| Other | $302 | $3,629 |
| Passing School Bus | $482 | $5,785 |
| Racing/Drag Racing | $787 | $9,449 |
| Reckless Driving | $326 | $3,907 |
| Suspension | $292 | $3,508 |
| Vehicle Theft | $205 | $2,462 |
| Wrong Way/Wrong Lane | $316 | $3,788 |
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 car insurance 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.
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.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
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.
