$43/mo
$48/mo
$50/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in Texas pays on an average of $1047 for six months for car insurance, which is more than the national average. Texas Farm Bureau offers cheap and the best rates in Texas.
Texas Farm Bureau offers the cheapest liability coverage in Texas at $43/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Texas ↓
Texas Farm Bureau provides cheap full insurance coverage in Texas at $112/month, offering excellent value.
Read about the cheapest full coverage companies in Texas ↓
Redpoint Insurance is the cheapest option after an at-fault accident in Texas at $56 per month.
Read more about best car insurance companies after at-fault accident in Texas ↓
Mercury was named the best overall by J.D. Power and AM Best, making it a top pick among Texas’s best car insurers.
Check out the full list of the best car insurance companies in Texas ↓For drivers looking to meet Texas minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Texas is widely available from providers like Texas Farm Bureau at $43/month. If you opt for Germania you will have to pay at least $73/month for your car insurance premium, which is the highest in Texas.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $255 | $43 |
| USAA | $285 | $48 |
| Progressive | $297 | $50 |
| State Farm | $303 | $51 |
| Redpoint Insurance | $333 | $55 |
| Mercury | $386 | $65 |
| AAA Texas | $428 | $71 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Texas Farm Bureau offers the cheapest car insurance for full coverage in Texas at $112 per month. On the other hand National General offers the most expensive rate at $189 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $665 | $112 |
| Mercury | $790 | $134 |
| State Farm | $814 | $137 |
| AAA Texas | $826 | $140 |
| USAA | $909 | $153 |
| Redpoint Insurance | $974 | $166 |
| Progressive | $1123 | $189 |
Get Your Car Insurance Quote in Texas Instantly!
Mercury stands out as the best car insurance provider in Texas, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, AAA Texas is a top pick for drivers seeking value and reliability.
Mercury offers a six-month premium of $576, which amounts to approximately $98 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of AAA Texas is $624, which is higher than Mercury's by $48. Their higher monthly premium is, due to their strict policies on traffic violations.
State Farm's premium is $659, which is significantly more expensive than AAA Texas's by $35. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $576 | $98 |
| AAA Texas | $624 | $104 |
| State Farm | $659 | $111 |
| Progressive | $772 | $129 |
| Texas Farm Bureau | $820 | $139 |
| USAA | $915 | $152 |
| Auto Club | $1253 | $213 |
Teens and young drivers in Texas often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Texas is
$1954 for 6 months, which is more than the national average.
Redpoint Insurance is the best options for cheap
car insurance for young drivers in Texas.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Redpoint Insurance | $339 | $56 |
| Southern County Mutual | $440 | $75 |
| Mercury | $475 | $79 |
| AAA Texas | $541 | $92 |
| Texas Farm Bureau | $1182 | $199 |
| USAA | $1289 | $217 |
| State Farm | $1337 | $225 |
Car insurance rates in Texas have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average full coverage insurance cost in the Texas remained steady at $207 in both Nov and Oct, indicating no change over the two-month period.
The average cost of liability insurance in the Texas rose to $64 in Nov, compared to $62 in Oct. This represents an increase of $2 when comparing Nov and Oct.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Redpoint Insurance gives you the cheapest car insurance rate after an at-fault accident in Texas at $56/month. On the other hand National General is the most expensive option at $98/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Redpoint Insurance | $339 | $56 |
| Southern County Mutual | $410 | $70 |
| State Farm | $630 | $106 |
| AAA Texas | $636 | $108 |
| Mercury | $772 | $129 |
| USAA | $944 | $159 |
| Texas Farm Bureau | $1045 | $176 |
If you are living in Texas you should opt for Texas Farm Bureau. Texas Farm Bureau ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Texas, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Texas may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Texas after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1283 | $214 |
| One Med/PIP claim | $1295 | $220 |
| One comp claim | $1360 | $227 |
| Not-at-fault accident | $1372 | $233 |
| Two Med/PIP claims | $1378 | $230 |
| Failure to show documents | $1426 | $242 |
| Driving with expired registration | $1437 | $240 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Texas is Mercury at $85 per month. Farmers at $516 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $511 | $85 |
| Foremost | $576 | $98 |
| Dairyland | $630 | $105 |
| AAA Texas | $665 | $113 |
| State Farm | $832 | $140 |
| Texas Farm Bureau | $986 | $168 |
| Progressive | $1247 | $210 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kamay | $855 | $145 |
| Wichita Falls | $861 | $145 |
| Fort Hancock | $867 | $147 |
| Iowa Park | $867 | $145 |
| Sheppard Air Force Base | $873 | $148 |
| Knickerbocker | $879 | $147 |
| Sierra Blanca | $879 | $149 |
| Troy | $879 | $147 |
| Veribest | $879 | $149 |
| Wickett | $879 | $147 |
| Burkburnett | $885 | $150 |
| Water Valley | $885 | $148 |
