Cheap car insurance in Texas

How to get cheap car insurance in Texas

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Texas

Car insurance quick facts

30/60/25

Minimum liability requirements

$1,500

Average annual car insurance cost

30

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare Texas car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

Most popular Texas auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$3,399,13115.0%
Geico$2,971,25613.1%
Allstate$2,641,88811.7%
Progressive$2,535,00211.2%
USAA$1,913,6528.4%
Farmers$1,852,2748.2%
Liberty Mutual$1,180,9835.2%
Texas Farm Bureau$739,3593.3%
Consumers County Mutual$578,6662.6%
Nationwide$404,2171.8%

Average car insurance costs in Texas

The average driver in Texas pays something in the neighborhood of $1,500 annually. This is slightly above the state average of $1,250 and quite a bit more than the cheapest state in the country — that’s Maine, with average annual costs hovering around $900. But when you compare Texas to Michigan, where annual car insurance costs routinely top $2,200, you might start to feel like Texas’s rates aren’t such a bad deal.

Where is car insurance most expensive? In big cities like Houston, San Antonio, Dallas and Austin you’re likely to pay more for your car insurance premiums. Big cities tend to expose you to a higher risk for car accidents, vandalism and theft, so you’ll pay more for insurers to cover you. You’re likely to find lower insurance rates in small towns and rural areas of the state.

Cheapest car insurance in Texas

Which city has the cheapest car insurance in Texas?

Of Texas’s largest cities, Keller has the cheapest rates and Houston has the most expensive car insurance rates. Houston drivers could face rates 3 times more than Keller drivers.

Car insurance quotes in El Paso

CompanyAnnual car insurance rate
Allstate$2172
Geico$2897
StateFarm$1279
USAA$2295
State Auto$3405

Car insurance quotes in Houston

CompanyAnnual car insurance rate
Allstate$2368
Geico$3353
StateFarm$1450
USAA$2540
State Auto$4165

Car insurance quotes in Katy

CompanyAnnual car insurance rate
Allstate$2368
Geico$3219
StateFarm$1422
USAA$2605
State Auto$3815

Car insurance quotes in Keller

CompanyAnnual car insurance rate
Allstate$2204
Geico$3045
StateFarm$1301
USAA$2108
State Auto$3458

State minimum car insurance in Texas

Always the maverick, you need only liability insurance to legally drive on the wide-open roads in Texas. But your liability insurance must meet state requirements:

  • $30,000 for each injured person
  • $60,000 for injuries per incident
  • $25,000 for property damage

How does personal injury protection (PIP) work in Texas?

PIP isn’t required for Texas drivers. You can choose from $2,500 up to $10,00 per person in coverage. PIP coverage in Texas covers 100% of medical expenses and funeral costs and up to 80% in lost income and related expenses such as childcare, house cleaning or yard work.

When you file a claim for PIP coverage, you’ll file through your own insurance as your primary coverage, regardless of who caused the accident. You might be asked to provide proof of these expenses when you make your claim.

Can I get SR-22 insurance in Texas?

Yes. You might need to file for an SR-22 in Texas if you’ve had a DUI conviction, are caught driving without insurance or accumulate too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

Bottom line

Car insurance is designed to protect you, your passengers and your vehicle against bumps in the road. Unlike other states, Texas requires only minimum liability coverage to legally drive its expansive roads. But with so much scenery to take in from the state’s nearly 700,000 miles of highway, you might want the broader protection of comprehensive and other optional coverage to protect against the unexpected. (The state’s not part of Tornado Alley for nothin’.)

To learn more about how you can stop paying too much for coverage, read our comprehensive guide to car insurance.

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Frequently asked questions about car insurance in Texas

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