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Compare car insurance in Texas

Get the cheapest car insurance in Texas for 2020

Updated

If you plan to drive in Texas, you’ll need to carry a minimum level of liability coverage. Shopping around may allow you to find insurance cheaper than Texas’s average annual car insurance cost of around $1,500.

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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare Texas car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
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Compare up to 4 providers

Company Direct premiums written (billions) Market share
State Farm $3,399,131 15.0%
Geico $2,971,256 13.1%
Allstate $2,641,888 11.7%
Progressive $2,535,002 11.2%
USAA $1,913,652 8.4%
Farmers $1,852,274 8.2%
Liberty Mutual $1,180,983 5.2%
Texas Farm Bureau $739,359 3.3%
Consumers County Mutual $578,666 2.6%
Nationwide $404,217 1.8%

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.

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

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

Car insurance quotes in Houston

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

Car insurance quotes in Katy

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

Car insurance quotes in Keller

Company Annual 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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