Here’s a breakdown of how we reviewed and rated the top auto insurance providers in Texas
Key Takeaways
- Redpoint Insurance, State Farm, USAA, Southern County Mutual and Geico are the cheapest car insurers in the Lone Star State.
- Texas’ average auto insurance rates are $86 for minimum coverage and $254 for full coverage.
- Cheapest Minimum Coverage USAA ($52)
- Cheapest Full Coverage Redpoint Insurance ($164)
- Cheapest for Teens Redpoint Insurance ($57)
- Cheapest for Young Adults USAA ($51)
- Cheapest for Adults USAA ($44)
- Cheapest for Seniors State Farm ($54)
- Cheapest for Bad Credit Redpoint Insurance ($57)
- Cheapest for After a DUI Redpoint Insurance ($57)
- Cheapest for After an Accident Redpoint Insurance ($57)
- Cheapest for After a Speeding Ticket State Farm ($48)
- Cheapest for After a Texting-While-Driving Ticket State Farm ($48)
What Is the Cheapest Car Insurance Company in Texas?
USAA is Texas’ cheapest car insurance company, offering minimum coverage for only $52 monthly while Redpoint Insurance offers the cheapest full coverage for $164 per month, according to our research. However, USAA insurance is only available to active-duty military members, veterans and their immediate families, so Redpoint Insurance is also an affordable choice for other drivers in the state.
We examined 197,011 insurance quotes across all 1,229 ZIP codes in Texas to find that USAA’s minimum plans cost 40% cheaper than the state norm for minimum coverage. Redpoint Insurance full coverage plans cost 36% cheaper than the state norm for full coverage.
| Texas Car Insurance Category | Cheapest Provider | Minimum-Coverage Monthly Rate | State Average Minimum-Coverage Rate |
|---|---|---|---|
| Teens (16-year-olds) | Redpoint Insurance | $57 | $254 |
| Young Adults (25-year-olds) | USAA | $51 | $91 |
| Adults (35-year-olds) | USAA | $44 | $76 |
| Seniors (75-year-olds) | State Farm | $54 | $85 |
| Bad Credit | Redpoint Insurance | $57 | $137 |
| After a DUI | Redpoint Insurance | $57 | $118 |
| After an Accident | Redpoint Insurance | $57 | $126 |
| After a Speeding Ticket | State Farm | $48 | $95 |
| After a Texting-While-Driving Ticket | State Farm | $48 | $91 |
Texas residents are required to carry the following state-mandated car insurance minimums:
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $25,000 per accident
Texas is an at-fault state, meaning that if you cause an accident, you’re required to pay for any damages, car repairs or medical bills for the other driver.
Cheapest Car Insurance by City in Texas
Average premiums vary across Texas due to unique risk factors present in different areas. For example, densely populated cities like Houston or Dallas would likely have higher costs because of the greater likelihood of auto accidents or vehicle theft.
| City | Cheapest Provider | Cheapest Provider Premium |
|---|---|---|
| Abbott | USAA | $136 |
| Abernathy | USAA | $148 |
| Abilene | USAA | $131 |
| Addison | USAA | $157 |
| Adkins | Redpoint Insurance | $160 |
| Agua Dulce | USAA | $143 |
| Alamo | Redpoint Insurance | $156 |
| Alba | Redpoint Insurance | $148 |
| Albany | Redpoint Insurance | $133 |
| Aledo | USAA | $148 |
| Alice | USAA | $143 |
| Allen | USAA | $146 |
| Alleyton | Redpoint Insurance | $131 |
| Alpine | State Farm | $138 |
| Alto | USAA | $149 |
| Alvarado | Redpoint Insurance | $134 |
| Alvin | Redpoint Insurance | $149 |
| Alvord | Redpoint Insurance | $148 |
| Amarillo | Redpoint Insurance | $178 |
| Amherst | USAA | $148 |
| Anahuac | USAA | $163 |
| Anderson | USAA | $153 |
| Andrews | State Farm | $132 |
| Angleton | USAA | $143 |
| Anna | USAA | $149 |
| Anson | Redpoint Insurance | $133 |
| Anthony | Redpoint Insurance | $137 |
| Anton | USAA | $148 |
| Apple Springs | USAA | $149 |
| Aquilla | USAA | $136 |
| Aransas Pass | USAA | $136 |
| Archer City | USAA | $136 |
| Arlington | USAA | $153 |
| Arp | USAA | $151 |
| Arthur City | Redpoint Insurance | $133 |
| Asherton | USAA | $140 |
| Aspermont | Redpoint Insurance | $129 |
| Atascocita | Redpoint Insurance | $172 |
| Atascosa | USAA | $157 |
| Athens | USAA | $152 |
| Atlanta | USAA | $157 |
| Aubrey | Redpoint Insurance | $147 |
| Austin | Redpoint Insurance | $165 |
| Avery | USAA | $144 |
| Avinger | USAA | $157 |
| Axtell | State Farm | $146 |
| Azle | USAA | $148 |
| Bacliff | USAA | $138 |
| Bagwell | USAA | $144 |
| Baird | Redpoint Insurance | $135 |
| Balch Springs | USAA | $183 |
| Ballinger | Redpoint Insurance | $135 |
| Balmorhea | State Farm | $146 |
| Bandera | Redpoint Insurance | $135 |
| Bangs | Redpoint Insurance | $128 |
| Barnhart | Redpoint Insurance | $159 |
| Barry | USAA | $136 |
| Bartlett | State Farm | $144 |
| Bastrop | USAA | $147 |
| Batesville | USAA | $140 |
| Batson | USAA | $158 |
| Bay City | USAA | $148 |
| Baytown | USAA | $164 |
| Beasley | State Farm | $153 |
| Beaumont | USAA | $159 |
| Beckville | USAA | $150 |
| Bedford | USAA | $140 |
| Bedias | USAA | $153 |
| Beeville | USAA | $141 |
| Bellaire | Redpoint Insurance | $165 |
| Bellevue | USAA | $136 |
| Bellmead | Redpoint Insurance | $144 |
| Bells | USAA | $139 |
| Bellville | Redpoint Insurance | $131 |
| Belton | Redpoint Insurance | $126 |
| Ben Wheeler | Redpoint Insurance | $149 |
| Benavides | USAA | $141 |
| Benbrook | Redpoint Insurance | $134 |
| Benjamin | Redpoint Insurance | $146 |
| Berclair | USAA | $141 |
| Bertram | USAA | $141 |
| Big Lake | USAA | $142 |
| Big Sandy | USAA | $159 |
| Big Spring | USAA | $140 |
| Bishop | USAA | $143 |
| Bivins | USAA | $157 |
| Blackwell | Redpoint Insurance | $129 |
| Blanco | USAA | $141 |
| Blanket | Redpoint Insurance | $128 |
| Bleiblerville | Redpoint Insurance | $131 |
| Blessing | USAA | $147 |
| Bloomburg | USAA | $157 |
| Blooming Grove | USAA | $136 |
| Bloomington | USAA | $146 |
| Blossom | Redpoint Insurance | $133 |
| Blue Ridge | USAA | $148 |
| Bluff Dale | USAA | $138 |
| Blum | USAA | $138 |
| Boerne | Redpoint Insurance | $141 |
| Bogata | USAA | $144 |
| Boling | USAA | $144 |
| Bolivar Peninsula | USAA | $155 |
| Bon Wier | Redpoint Insurance | $186 |
| Bonham | Redpoint Insurance | $133 |
| Booker | State Farm | $143 |
| Borger | Redpoint Insurance | $145 |
| Bovina | State Farm | $147 |
| Bowie | Redpoint Insurance | $157 |
| Boyd | Redpoint Insurance | $148 |
| Brady | USAA | $139 |
| Brashear | USAA | $144 |
| Brazoria | USAA | $147 |
| Breckenridge | USAA | $139 |
| Bremond | USAA | $138 |
| Brenham | Redpoint Insurance | $131 |
| Bridge City | State Farm | $210 |
| Bridgeport | Redpoint Insurance | $148 |
| Briggs | USAA | $141 |
| Broaddus | USAA | $150 |
| Bronson | USAA | $150 |
| Bronte | Redpoint Insurance | $129 |
| Brookshire | Redpoint Insurance | $154 |
| Brookston | Redpoint Insurance | $133 |
| Brownfield | State Farm | $141 |
| Brownsboro | USAA | $152 |
| Brownsville | State Farm | $199 |
| Brownwood | Redpoint Insurance | $128 |
| Bruceville | USAA | $141 |
| Bruni | USAA | $161 |
| Bryan | Redpoint Insurance | $127 |
| Buchanan Dam | USAA | $139 |
| Buchanan Lake Village | USAA | $141 |
| Buckholts | Redpoint Insurance | $139 |
| Buda | USAA | $136 |
| Buffalo | USAA | $137 |
| Buffalo Gap | USAA | $131 |
| Bullard | USAA | $147 |
| Bulverde | Redpoint Insurance | $143 |
| Buna | Redpoint Insurance | $186 |
| Burkburnett | USAA | $128 |
| Burkeville | USAA | $157 |
| Burleson | Redpoint Insurance | $134 |
| Burnet | USAA | $141 |
| Burton | Redpoint Insurance | $131 |
| Bynum | USAA | $136 |
| Cactus | Redpoint Insurance | $145 |
| Caddo Mills | Redpoint Insurance | $145 |
| Caldwell | Redpoint Insurance | $139 |
| Call | USAA | $157 |
| Calvert | USAA | $138 |
| Cameron | Redpoint Insurance | $139 |
| Camp Wood | USAA | $140 |
| Campbell | Redpoint Insurance | $145 |
| Canadian | State Farm | $149 |
| Canton | Redpoint Insurance | $149 |
| Canutillo | Redpoint Insurance | $138 |
| Canyon | State Farm | $149 |
| Canyon Lake | Redpoint Insurance | $143 |
| Carlsbad | Redpoint Insurance | $125 |
| Carmine | Redpoint Insurance | $131 |
| Carrizo Springs | USAA | $140 |
| Carrollton | USAA | $157 |
| Carthage | USAA | $150 |
| Castroville | Redpoint Insurance | $135 |
| Cedar Hill | USAA | $164 |
| Cedar Park | Redpoint Insurance | $160 |
| Celeste | Redpoint Insurance | $145 |
| Celina | USAA | $149 |
| Center | USAA | $150 |
| Center Point | Redpoint Insurance | $131 |
| Centerville | Redpoint Insurance | $143 |
| Chandler | USAA | $152 |
| Channelview | USAA | $170 |
| Chappell Hill | Redpoint Insurance | $131 |
| Charlotte | USAA | $146 |
| Chester | USAA | $157 |
| Chico | USAA | $145 |
| Childress | USAA | $148 |
| Chillicothe | Redpoint Insurance | $146 |
| Chilton | USAA | $138 |
| China | USAA | $161 |
| China Spring | USAA | $140 |
| Chireno | Redpoint Insurance | $130 |
| Christoval | Redpoint Insurance | $125 |
| Cibolo | USAA | $135 |
| Cisco | USAA | $139 |
| Clarendon | Redpoint Insurance | $151 |
| Clarksville | USAA | $144 |
| Claude | Redpoint Insurance | $151 |
| Cleburne | Redpoint Insurance | $134 |
| Cleveland | USAA | $162 |
| Clifton | USAA | $138 |
| Clint | Redpoint Insurance | $137 |
| Clute | State Farm | $143 |
| Clyde | Redpoint Insurance | $135 |
| Coahoma | USAA | $140 |
| Coldspring | USAA | $159 |
| Coleman | Redpoint Insurance | $135 |
| College Station | Redpoint Insurance | $127 |
| Colleyville | USAA | $136 |
| Collinsville | USAA | $138 |
| Colmesneil | USAA | $157 |
| Colorado City | USAA | $142 |
| Columbus | Redpoint Insurance | $131 |
| Comanche | USAA | $139 |
| Comfort | Redpoint Insurance | $141 |
| Commerce | Redpoint Insurance | $145 |
| Como | USAA | $144 |
| Comstock | USAA | $127 |
| Conroe | USAA | $150 |
| Converse | USAA | $147 |
| Cookville | USAA | $152 |
| Coolidge | USAA | $136 |
| Cooper | Redpoint Insurance | $133 |
| Coppell | USAA | $143 |
| Copperas Cove | USAA | $138 |
| Corinth | USAA | $140 |
| Corpus Christi | USAA | $142 |
| Corrigan | USAA | $159 |
| Corsicana | USAA | $136 |
| Cotulla | State Farm | $150 |
| Coupland | USAA | $145 |
| Covington | USAA | $138 |
| Crandall | USAA | $159 |
| Crane | USAA | $144 |
| Crawford | USAA | $140 |
| Crockett | USAA | $149 |
| Crosby | USAA | $161 |
| Crosbyton | USAA | $148 |
| Cross Plains | Redpoint Insurance | $135 |
| Crowell | USAA | $143 |
| Crowley | Redpoint Insurance | $131 |
| Crystal City | USAA | $140 |
| Cuero | USAA | $143 |
| Cumby | USAA | $144 |
| Cushing | Redpoint Insurance | $130 |
| Cypress | Redpoint Insurance | $172 |
| D Hanis | Redpoint Insurance | $131 |
| Daingerfield | Redpoint Insurance | $135 |
| Daisetta | USAA | $163 |
| Dale | Redpoint Insurance | $159 |
| Dalhart | State Farm | $144 |
| Dallas | Redpoint Insurance | $203 |
| Damon | USAA | $147 |
| Danbury | USAA | $143 |
| Danevang | USAA | $144 |
| Dawson | USAA | $136 |
| Dayton | USAA | $162 |
| De Berry | USAA | $150 |
| De Kalb | Redpoint Insurance | $135 |
| De Leon | USAA | $139 |
| DeSoto | Redpoint Insurance | $151 |
| Decatur | USAA | $145 |
| Deer Park | USAA | $159 |
| Del Rio | USAA | $127 |
| Delmita | USAA | $165 |
| Denison | Redpoint Insurance | $156 |
| Denton | USAA | $148 |
| Denver City | State Farm | $137 |
| Deport | Redpoint Insurance | $133 |
| Detroit | USAA | $144 |
| Devers | State Farm | $209 |
| Devine | Redpoint Insurance | $131 |
| Diana | USAA | $159 |
| Diboll | Redpoint Insurance | $130 |
| Dickens | USAA | $148 |
| Dickinson | USAA | $139 |
| Dike | USAA | $144 |
| Dilley | USAA | $144 |
| Dime Box | Redpoint Insurance | $139 |
| Dimmitt | State Farm | $141 |
| Dodd City | Redpoint Insurance | $133 |
| Donie | USAA | $137 |
| Donna | Redpoint Insurance | $156 |
| Douglass | Redpoint Insurance | $130 |
| Douglassville | USAA | $157 |
| Driftwood | Redpoint Insurance | $143 |
| Dripping Springs | Redpoint Insurance | $143 |
| Driscoll | USAA | $143 |
| Dublin | USAA | $139 |
| Dumas | Redpoint Insurance | $145 |
| Duncanville | USAA | $164 |
| Eagle Lake | Redpoint Insurance | $131 |
| Eagle Pass | USAA | $145 |
| Early | Redpoint Insurance | $128 |
| Earth | USAA | $148 |
| East Bernard | USAA | $144 |
| Eastland | USAA | $139 |
| Ector | Redpoint Insurance | $133 |
| Edcouch | Redpoint Insurance | $156 |
| Eddy | USAA | $141 |
| Eden | Redpoint Insurance | $135 |
| Edgewood | Redpoint Insurance | $149 |
| Edinburg | Redpoint Insurance | $160 |
| Edna | USAA | $144 |
| Egypt | USAA | $144 |
| El Campo | USAA | $144 |
| El Paso | Redpoint Insurance | $144 |
| Eldorado | Geico | $141 |
| Electra | USAA | $128 |
| Elgin | USAA | $147 |
| Elkhart | USAA | $149 |
| Elm Mott | USAA | $147 |
| Elmendorf | USAA | $151 |
| Elmo | USAA | $159 |
| Elsa | Redpoint Insurance | $156 |
| Emory | Redpoint Insurance | $149 |
| Encinal | USAA | $144 |
| Encino | USAA | $165 |
| Ennis | USAA | $148 |
| Euless | USAA | $142 |
| Eustace | USAA | $156 |
| Fabens | Redpoint Insurance | $137 |
| Fair Oaks Ranch | USAA | $138 |
| Fairfield | USAA | $137 |
| Falfurrias | State Farm | $160 |
| Falls City | USAA | $143 |
| Farmers Branch | USAA | $160 |
| Farmersville | USAA | $149 |
| Farwell | USAA | $148 |
| Fayetteville | USAA | $143 |
| Ferris | USAA | $148 |
| Flatonia | USAA | $143 |
| Flint | USAA | $147 |
| Florence | USAA | $145 |
| Floresville | USAA | $143 |
| Flower Mound | Redpoint Insurance | $137 |
| Floydada | USAA | $148 |
| Flynn | USAA | $138 |
| Follett | Redpoint Insurance | $151 |
| Forestburg | USAA | $139 |
| Forney | USAA | $161 |
| Fort Bliss | USAA | $136 |
| Fort Clark Springs | USAA | $140 |
| Fort Davis | State Farm | $141 |
| Fort Hood | Redpoint Insurance | $124 |
| Fort Stockton | State Farm | $134 |
| Fort Worth | USAA | $147 |
| Francitas | USAA | $144 |
| Franklin | USAA | $138 |
| Frankston | USAA | $152 |
| Fred | USAA | $157 |
| Fredericksburg | USAA | $138 |
| Freeport | USAA | $147 |
| Freer | USAA | $141 |
| Fresno | State Farm | $164 |
| Friendswood | USAA | $142 |
| Friona | State Farm | $139 |
| Frisco | USAA | $151 |
| Fritch | Redpoint Insurance | $145 |
| Frost | USAA | $136 |
| Fruitvale | Redpoint Insurance | $149 |
| Fulton | USAA | $139 |
| Gail | USAA | $148 |
| Gainesville | USAA | $139 |
| Galena Park | Redpoint Insurance | $175 |
| Galveston | Redpoint Insurance | $168 |
| Ganado | State Farm | $144 |
| Garden City | USAA | $142 |
| Gardendale | Redpoint Insurance | $143 |
| Garland | USAA | $165 |
| Garrison | Redpoint Insurance | $130 |
| Garwood | Redpoint Insurance | $131 |
| Gary | USAA | $150 |
| Gatesville | USAA | $132 |
| Gause | Redpoint Insurance | $139 |
| George West | USAA | $141 |
| Georgetown | USAA | $131 |
| Giddings | Redpoint Insurance | $144 |
| Gillett | USAA | $143 |
| Gilmer | USAA | $159 |
| Gladewater | USAA | $159 |
| Glen Rose | USAA | $138 |
| Godley | Redpoint Insurance | $134 |
| Goldthwaite | USAA | $139 |
| Goliad | USAA | $141 |
| Gonzales | USAA | $143 |
| Goree | Redpoint Insurance | $146 |
| Gorman | USAA | $139 |
| Graford | USAA | $136 |
| Graham | USAA | $136 |
| Granbury | USAA | $142 |
| Grand Prairie | Redpoint Insurance | $168 |
| Grand Saline | Redpoint Insurance | $149 |
| Grandview | Redpoint Insurance | $134 |
| Granger | State Farm | $145 |
| Grapeland | USAA | $149 |
| Grapevine | USAA | $136 |
| Greenville | Redpoint Insurance | $145 |
| Gregory | State Farm | $139 |
| Groesbeck | USAA | $136 |
| Groom | Redpoint Insurance | $151 |
| Groves | USAA | $161 |
| Groveton | USAA | $149 |
| Gruver | State Farm | $150 |
| Gunter | USAA | $139 |
| Gustine | USAA | $139 |
| Hale Center | USAA | $148 |
| Hallettsville | USAA | $144 |
| Hallsville | Redpoint Insurance | $164 |
| Haltom City | USAA | $148 |
| Hamilton | USAA | $139 |
| Hamlin | Redpoint Insurance | $133 |
| Hankamer | USAA | $163 |
| Happy | USAA | $148 |
| Hardin | USAA | $163 |
| Hargill | Redpoint Insurance | $156 |
| Harker Heights | Redpoint Insurance | $130 |
| Harleton | USAA | $156 |
| Harlingen | State Farm | $161 |
| Harper | USAA | $138 |
| Hart | USAA | $148 |
| Hartley | State Farm | $143 |
| Haskell | Redpoint Insurance | $133 |
| Hawkins | Redpoint Insurance | $148 |
| Hawley | Redpoint Insurance | $133 |
| Hearne | USAA | $138 |
| Hebbronville | USAA | $165 |
| Hedley | Redpoint Insurance | $151 |
| Helotes | Redpoint Insurance | $146 |
| Hemphill | USAA | $150 |
| Hempstead | Redpoint Insurance | $154 |
| Henderson | USAA | $159 |
| Henrietta | USAA | $136 |
| Hereford | State Farm | $135 |
| Hermleigh | USAA | $142 |
| Hewitt | State Farm | $137 |
| Hico | USAA | $139 |
| Hidalgo | Redpoint Insurance | $158 |
| Highlands | Redpoint Insurance | $187 |
| Hillister | USAA | $157 |
| Hillsboro | USAA | $136 |
| Hilltop Lakes | USAA | $138 |
| Hitchcock | USAA | $143 |
| Hockley | USAA | $153 |
| Holland | Redpoint Insurance | $130 |
| Holliday | USAA | $136 |
| Hondo | Redpoint Insurance | $131 |
| Honey Grove | Redpoint Insurance | $133 |
| Hooks | Redpoint Insurance | $135 |
| Horseshoe Bay | USAA | $139 |
| Houston | USAA | $171 |
| Howe | USAA | $139 |
| Hubbard | USAA | $136 |
| Huffman | USAA | $161 |
| Hughes Springs | USAA | $157 |
| Hull | USAA | $163 |
| Humble | Redpoint Insurance | $171 |
| Hunt | Redpoint Insurance | $131 |
| Huntington | Redpoint Insurance | $130 |
| Huntsville | USAA | $147 |
| Hurst | Redpoint Insurance | $138 |
| Hutchins | USAA | $173 |
| Hutto | USAA | $147 |
| Idalou | Redpoint Insurance | $144 |
| Inez | USAA | $146 |
| Ingleside | USAA | $136 |
| Ingram | Redpoint Insurance | $131 |
| Iola | USAA | $153 |
| Iowa Park | USAA | $128 |
| Iraan | USAA | $147 |
| Iredell | USAA | $138 |
| Irving | USAA | $160 |
| Italy | USAA | $148 |
| Itasca | USAA | $138 |
| Ivanhoe | Redpoint Insurance | $133 |
| Jacinto City | Redpoint Insurance | $175 |
| Jacksboro | USAA | $136 |
| Jacksonville | USAA | $155 |
| Jarrell | USAA | $145 |
| Jasper | USAA | $157 |
| Jayton | USAA | $142 |
| Jefferson | USAA | $157 |
| Jewett | USAA | $137 |
| Joaquin | USAA | $150 |
| Johnson City | Redpoint Insurance | $141 |
| Jollyville | USAA | $139 |
| Joshua | Redpoint Insurance | $134 |
| Jourdanton | USAA | $146 |
| Junction | USAA | $139 |
| Justin | Redpoint Insurance | $142 |
| Karnack | Redpoint Insurance | $159 |
| Karnes City | USAA | $143 |
| Katy | USAA | $162 |
| Kaufman | USAA | $159 |
| Keene | Redpoint Insurance | $134 |
| Keller | Redpoint Insurance | $118 |
| Kemah | USAA | $138 |
| Kemp | State Farm | $159 |
| Kempner | Redpoint Insurance | $151 |
| Kenedy | USAA | $143 |
| Kennard | USAA | $149 |
| Kennedale | Redpoint Insurance | $147 |
| Kerens | USAA | $137 |
| Kermit | State Farm | $133 |
| Kerrville | Redpoint Insurance | $131 |
| Kilgore | Redpoint Insurance | $155 |
| Killeen | Redpoint Insurance | $136 |
| Kingsbury | USAA | $137 |
| Kingsland | USAA | $139 |
| Kingsville | USAA | $130 |
| Kirby | Redpoint Insurance | $159 |
| Kirbyville | USAA | $157 |
| Knippa | Redpoint Insurance | $131 |
| Knox City | Redpoint Insurance | $146 |
| Kopperl | Redpoint Insurance | $149 |
| Kosse | USAA | $137 |
| Kountze | USAA | $158 |
| Kress | USAA | $148 |
| Krum | Redpoint Insurance | $130 |
| Kyle | USAA | $141 |
| La Feria | State Farm | $161 |
| La Grange | USAA | $143 |
| La Joya | Redpoint Insurance | $156 |
| La Marque | USAA | $143 |
| La Porte | USAA | $151 |
| La Pryor | USAA | $140 |
| La Vernia | USAA | $146 |
| La Villa | Redpoint Insurance | $156 |
| LaCoste | Redpoint Insurance | $131 |
| Lackland AFB | USAA | $162 |
| Ladonia | Redpoint Insurance | $133 |
| Lago Vista | USAA | $150 |
| Lake Dallas | State Farm | $150 |
| Lake Jackson | State Farm | $143 |
| Lakehills | Redpoint Insurance | $131 |
| Lakeway | USAA | $151 |
| Lamesa | State Farm | $143 |
| Lampasas | USAA | $135 |
| Lancaster | Redpoint Insurance | $176 |
| Lane City | USAA | $144 |
| Laneville | USAA | $159 |
| Lantana | USAA | $142 |
| Laredo | USAA | $160 |
| Larue | USAA | $152 |
| Lasara | State Farm | $158 |
| Lavon | USAA | $148 |
| Lawn | USAA | $131 |
| Lazbuddie | State Farm | $147 |
| League City | Redpoint Insurance | $168 |
| Leakey | USAA | $140 |
| Leander | Redpoint Insurance | $159 |
| Leesburg | USAA | $152 |
| Leesville | USAA | $143 |
| Lefors | Redpoint Insurance | $145 |
| Leming | USAA | $147 |
| Lenorah | USAA | $148 |
| Leona | Redpoint Insurance | $143 |
| Leonard | Redpoint Insurance | $133 |
| Levelland | State Farm | $138 |
| Lewisville | Redpoint Insurance | $141 |
| Lexington | Redpoint Insurance | $139 |
| Liberty | USAA | $163 |
| Liberty Hill | USAA | $141 |
| Lincoln | Redpoint Insurance | $139 |
| Lindale | USAA | $152 |
| Linden | USAA | $157 |
| Lindsay | USAA | $139 |
| Linn | Redpoint Insurance | $156 |
| Lipan | USAA | $146 |
| Little Elm | State Farm | $150 |
| Little River-Academy | Redpoint Insurance | $130 |
| Littlefield | State Farm | $146 |
| Liverpool | USAA | $143 |
| Livingston | USAA | $159 |
| Llano | USAA | $139 |
| Lockhart | USAA | $144 |
| Lockney | USAA | $148 |
| Lohn | USAA | $139 |
| Lolita | USAA | $144 |
| Lometa | USAA | $135 |
| Lone Oak | Redpoint Insurance | $145 |
| Lone Star | Redpoint Insurance | $135 |
| Long Branch | USAA | $150 |
| Longview | Redpoint Insurance | $155 |
| Loop | State Farm | $140 |
| Lopeno | State Farm | $177 |
| Loraine | USAA | $142 |
| Lorena | State Farm | $140 |
| Lorenzo | USAA | $148 |
| Los Fresnos | State Farm | $163 |
| Lott | USAA | $138 |
| Louise | USAA | $144 |
| Lovelady | USAA | $149 |
| Lubbock | Redpoint Insurance | $163 |
| Lufkin | Redpoint Insurance | $130 |
| Luling | USAA | $147 |
| Lumberton | USAA | $158 |
| Lyford | State Farm | $151 |
| Lytle | USAA | $147 |
| Mabank | USAA | $157 |
| Madisonville | Redpoint Insurance | $143 |
| Magnolia | USAA | $151 |
| Malakoff | USAA | $156 |
| Manchaca | USAA | $150 |
| Manor | USAA | $150 |
| Mansfield | USAA | $142 |
| Manvel | Redpoint Insurance | $149 |
| Marathon | State Farm | $141 |
| Marble Falls | Redpoint Insurance | $141 |
| Marfa | State Farm | $140 |
| Marion | USAA | $140 |
| Markham | USAA | $148 |
| Marlin | USAA | $138 |
| Marquez | Redpoint Insurance | $143 |
| Marshall | USAA | $156 |
| Mart | Redpoint Insurance | $140 |
| Martindale | USAA | $147 |
| Mason | USAA | $139 |
| Matador | USAA | $148 |
| Matagorda | USAA | $148 |
| Mathis | State Farm | $174 |
| Maud | Redpoint Insurance | $135 |
| Maxwell | USAA | $147 |
| May | Redpoint Insurance | $128 |
| Maypearl | USAA | $148 |
| Mc Dade | USAA | $147 |
| McAllen | Redpoint Insurance | $155 |
| McCamey | USAA | $142 |
| McGregor | USAA | $140 |
| McKinney | USAA | $150 |
| McLean | Redpoint Insurance | $145 |
| McQueeney | USAA | $140 |
| Medina | Redpoint Insurance | $131 |
| Megargel | USAA | $136 |
| Melissa | USAA | $149 |
| Memphis | USAA | $148 |
| Menard | USAA | $139 |
| Mentone | State Farm | $142 |
| Mercedes | Redpoint Insurance | $156 |
| Meridian | USAA | $138 |
| Merkel | USAA | $131 |
| Mertzon | USAA | $142 |
| Mesquite | Redpoint Insurance | $176 |
| Mexia | USAA | $136 |
| Miami | State Farm | $149 |
| Mico | Redpoint Insurance | $131 |
| Midland | USAA | $142 |
| Midlothian | USAA | $147 |
| Midway | Redpoint Insurance | $143 |
| Milam | Redpoint Insurance | $186 |
| Milano | Redpoint Insurance | $139 |
| Miles | Redpoint Insurance | $135 |
| Milford | USAA | $148 |
| Millsap | USAA | $146 |
| Mineola | Redpoint Insurance | $148 |
| Mineral Wells | USAA | $136 |
| Mission | Redpoint Insurance | $156 |
| Missouri City | State Farm | $160 |
| Monahans | State Farm | $135 |
| Montague | USAA | $139 |
| Montalba | USAA | $155 |
| Montgomery | USAA | $154 |
| Moody | USAA | $141 |
| Moore | USAA | $144 |
| Morgan | USAA | $138 |
| Morton | State Farm | $145 |
| Moulton | USAA | $144 |
| Mount Enterprise | USAA | $159 |
| Mount Pleasant | USAA | $152 |
| Mount Vernon | USAA | $144 |
| Mountain Home | Redpoint Insurance | $131 |
| Muenster | USAA | $139 |
| Muleshoe | USAA | $148 |
| Mullin | USAA | $134 |
| Munday | Redpoint Insurance | $146 |
| Murchison | USAA | $152 |
| Murphy | USAA | $151 |
| Nacogdoches | Redpoint Insurance | $130 |
| Naples | Redpoint Insurance | $135 |
| Nash | Redpoint Insurance | $135 |
| Natalia | Redpoint Insurance | $131 |
| Navasota | USAA | $153 |
| Nederland | USAA | $161 |
| Needville | State Farm | $160 |
| Nevada | Redpoint Insurance | $169 |
| New Boston | Redpoint Insurance | $135 |
| New Braunfels | Redpoint Insurance | $147 |
| New Caney | USAA | $158 |
| New London | USAA | $159 |
| New Ulm | Redpoint Insurance | $131 |
| New Waverly | USAA | $147 |
| Newcastle | USAA | $136 |
| Newton | USAA | $157 |
| Nixon | USAA | $143 |
| Nocona | USAA | $139 |
| Nolanville | USAA | $127 |
| Nordheim | USAA | $143 |
| North Richland Hills | Redpoint Insurance | $123 |
| North Zulch | Redpoint Insurance | $143 |
| Novice | Redpoint Insurance | $135 |
| Oakhurst | USAA | $147 |
| Oakwood | USAA | $137 |
| Odem | USAA | $143 |
| Odessa | Redpoint Insurance | $143 |
| Odonnell | USAA | $148 |
| Oglesby | USAA | $132 |
| Olney | USAA | $136 |
| Olton | USAA | $148 |
| Omaha | Redpoint Insurance | $135 |
| Onalaska | USAA | $157 |
| Orange | USAA | $162 |
| Orange Grove | USAA | $143 |
| Ore City | USAA | $159 |
| Ozona | USAA | $142 |
| Paducah | USAA | $148 |
| Paige | USAA | $147 |
| Paint Rock | Redpoint Insurance | $135 |
| Palacios | USAA | $147 |
| Palestine | USAA | $155 |
| Palmer | USAA | $148 |
| Pampa | Redpoint Insurance | $145 |
| Panhandle | Redpoint Insurance | $151 |
| Paradise | Redpoint Insurance | $148 |
| Paris | Redpoint Insurance | $133 |
| Pasadena | USAA | $174 |
| Pattonville | Redpoint Insurance | $133 |
| Pearland | Redpoint Insurance | $163 |
| Pearsall | USAA | $141 |
| Pecan Acres | Redpoint Insurance | $148 |
| Pecan Grove | State Farm | $154 |
| Pecos | State Farm | $137 |
| Penelope | USAA | $136 |
| Penitas | Redpoint Insurance | $156 |
| Perrin | USAA | $136 |
| Perryton | State Farm | $138 |
| Petersburg | USAA | $148 |
| Petrolia | USAA | $136 |
| Pflugerville | USAA | $150 |
| Pharr | Redpoint Insurance | $153 |
| Pilot Point | Redpoint Insurance | $118 |
| Pinehurst | USAA | $151 |
| Pineland | USAA | $150 |
| Pinewood Estates | USAA | $158 |
| Pittsburg | USAA | $152 |
| Plains | State Farm | $144 |
| Plainview | USAA | $148 |
| Plano | USAA | $147 |
| Plantersville | USAA | $153 |
| Pleasanton | USAA | $147 |
| Point | Redpoint Insurance | $149 |
| Point Comfort | State Farm | $146 |
| Pointblank | USAA | $153 |
| Pollok | Redpoint Insurance | $130 |
| Ponder | State Farm | $146 |
| Poolville | USAA | $146 |
| Port Aransas | USAA | $140 |
| Port Arthur | USAA | $161 |
| Port Isabel | State Farm | $162 |
| Port Lavaca | USAA | $147 |
| Port Neches | USAA | $161 |
| Port O’Connor | USAA | $147 |
| Porter | USAA | $151 |
| Portland | USAA | $136 |
| Post | USAA | $148 |
| Poteet | USAA | $140 |
| Poth | USAA | $143 |
| Pottsboro | USAA | $138 |
| Powderly | Redpoint Insurance | $133 |
| Powell | USAA | $137 |
| Prairie Hill | USAA | $136 |
| Prairie View | Redpoint Insurance | $154 |
| Premont | State Farm | $143 |
| Presidio | USAA | $147 |
| Princeton | USAA | $151 |
| Progreso | Redpoint Insurance | $156 |
| Prosper | USAA | $149 |
| Quanah | Redpoint Insurance | $146 |
| Queen City | USAA | $157 |
| Quemado | USAA | $145 |
| Quinlan | Redpoint Insurance | $145 |
| Quitman | Redpoint Insurance | $148 |
| Ralls | USAA | $148 |
| Ranger | USAA | $139 |
| Ravenna | Redpoint Insurance | $133 |
| Raymondville | State Farm | $151 |
| Realitos | USAA | $141 |
| Red Oak | USAA | $152 |
| Red Rock | USAA | $147 |
| Refugio | USAA | $141 |
| Rhome | Redpoint Insurance | $153 |
| Rice | USAA | $136 |
| Richards | USAA | $153 |
| Richardson | USAA | $148 |
| Richland | USAA | $136 |
| Richmond | USAA | $159 |
| Riesel | Redpoint Insurance | $140 |
| Rio Grande City | USAA | $165 |
| Rio Hondo | State Farm | $154 |
| Rio Vista | Redpoint Insurance | $134 |
| Rising Star | USAA | $139 |
| Roanoke | Redpoint Insurance | $140 |
| Robert Lee | Redpoint Insurance | $129 |
| Robstown | USAA | $143 |
| Roby | Redpoint Insurance | $129 |
| Rochelle | USAA | $139 |
| Rochester | Redpoint Insurance | $133 |
| Rock Island | Redpoint Insurance | $131 |
| Rockdale | Redpoint Insurance | $139 |
| Rockport | USAA | $139 |
| Rocksprings | USAA | $139 |
| Rockwall | USAA | $154 |
| Rogers | Redpoint Insurance | $130 |
| Roma | USAA | $165 |
| Romayor | USAA | $162 |
| Ropesville | USAA | $148 |
| Roscoe | Redpoint Insurance | $129 |
| Rosebud | USAA | $138 |
| Rosenberg | State Farm | $152 |
| Rosharon | USAA | $143 |
| Rotan | Redpoint Insurance | $129 |
| Round Rock | USAA | $138 |
| Round Top | USAA | $143 |
| Rowena | Redpoint Insurance | $135 |
| Rowlett | USAA | $155 |
| Roxton | Redpoint Insurance | $133 |
| Royse City | USAA | $154 |
| Rule | Redpoint Insurance | $133 |
| Runge | USAA | $143 |
| Rusk | USAA | $155 |
| Rye | USAA | $162 |
| Sabinal | Redpoint Insurance | $131 |
| Sachse | Redpoint Insurance | $163 |
| Sadler | USAA | $138 |
| Saint Hedwig | USAA | $142 |
| Salado | Redpoint Insurance | $141 |
| Salineno | USAA | $165 |
| Saltillo | USAA | $144 |
| Sam Rayburn | USAA | $157 |
| San Angelo | Redpoint Insurance | $125 |
| San Antonio | Redpoint Insurance | $164 |
| San Augustine | USAA | $150 |
| San Benito | State Farm | $157 |
| San Diego | USAA | $141 |
| San Elizario | Redpoint Insurance | $134 |
| San Juan | Redpoint Insurance | $160 |
| San Marcos | Redpoint Insurance | $151 |
| San Saba | USAA | $139 |
| San Ygnacio | USAA | $144 |
| Sanderson | USAA | $147 |
| Sandia | USAA | $143 |
| Sanger | Redpoint Insurance | $142 |
| Santa Anna | Redpoint Insurance | $135 |
| Santa Fe | USAA | $143 |
| Santa Rosa | State Farm | $164 |
| Santo | USAA | $136 |
| Saratoga | USAA | $158 |
| Savoy | Redpoint Insurance | $133 |
| Schertz | USAA | $135 |
| Schulenburg | USAA | $143 |
| Scroggins | USAA | $144 |
| Scurry | USAA | $159 |
| Seabrook | USAA | $154 |
| Seadrift | USAA | $147 |
| Seagoville | USAA | $168 |
| Seagraves | State Farm | $138 |
| Sealy | Redpoint Insurance | $131 |
| Sebastian | State Farm | $153 |
| Seguin | USAA | $143 |
| Seminole | State Farm | $139 |
| Seymour | Redpoint Insurance | $146 |
| Shallowater | Redpoint Insurance | $144 |
| Shamrock | Redpoint Insurance | $151 |
| Shelbyville | USAA | $150 |
| Shepherd | USAA | $162 |
| Sherman | USAA | $141 |
| Sherwood Shores | USAA | $138 |
| Shiner | USAA | $144 |
| Sierra Blanca | USAA | $147 |
| Silsbee | USAA | $158 |
| Silverton | USAA | $148 |
| Simms | Redpoint Insurance | $135 |
| Sinton | State Farm | $164 |
| Skellytown | State Farm | $148 |
| Skidmore | USAA | $141 |
| Slaton | Redpoint Insurance | $144 |
| Smiley | USAA | $143 |
| Smithville | Redpoint Insurance | $159 |
| Smyer | State Farm | $147 |
| Snyder | USAA | $142 |
| Socorro | Redpoint Insurance | $137 |
| Somerset | Redpoint Insurance | $151 |
| Somerville | Redpoint Insurance | $139 |
| Sonora | USAA | $142 |
| South Houston | USAA | $174 |
| South Padre Island | State Farm | $163 |
| Southlake | USAA | $139 |
| Spearman | State Farm | $144 |
| Spicewood | USAA | $150 |
| Splendora | USAA | $158 |
| Spring | USAA | $159 |
| Spring Branch | Redpoint Insurance | $143 |
| Springtown | USAA | $148 |
| Spur | USAA | $148 |
| St. Jo | USAA | $139 |
| Stafford | State Farm | $164 |
| Stamford | Redpoint Insurance | $133 |
| Stanton | USAA | $148 |
| Stephenville | USAA | $139 |
| Sterling City | USAA | $142 |
| Stinnett | Redpoint Insurance | $145 |
| Stockdale | USAA | $143 |
| Stowell | USAA | $163 |
| Stratford | State Farm | $148 |
| Strawn | USAA | $136 |
| Sudan | USAA | $148 |
| Sugar Land | Redpoint Insurance | $174 |
| Sullivan City | Redpoint Insurance | $156 |
| Sulphur Springs | USAA | $144 |
| Sumner | Redpoint Insurance | $133 |
| Sundown | State Farm | $141 |
| Sunnyvale | Redpoint Insurance | $154 |
| Sunray | Redpoint Insurance | $145 |
| Sunset | USAA | $139 |
| Sutherland Springs | USAA | $146 |
| Sweeny | USAA | $147 |
| Sweetwater | Redpoint Insurance | $129 |
| Taft | State Farm | $137 |
| Tahoka | State Farm | $146 |
| Talco | USAA | $152 |
| Tarzan | Redpoint Insurance | $155 |
| Tatum | USAA | $159 |
| Taylor | USAA | $145 |
| Teague | USAA | $137 |
| Temple | Redpoint Insurance | $126 |
| Tenaha | USAA | $150 |
| Tennessee Colony | USAA | $155 |
| Terlingua | USAA | $147 |
| Terrell | USAA | $159 |
| Texarkana | Redpoint Insurance | $135 |
| Texas City | USAA | $150 |
| Texline | State Farm | $148 |
| The Colony | State Farm | $150 |
| The Hills | USAA | $151 |
| The Woodlands | USAA | $143 |
| Thorndale | Redpoint Insurance | $139 |
| Thrall | State Farm | $144 |
| Three Rivers | USAA | $141 |
| Throckmorton | Redpoint Insurance | $133 |
| Tilden | USAA | $141 |
| Timpson | USAA | $150 |
| Tioga | USAA | $141 |
| Tolar | USAA | $146 |
| Tom Bean | USAA | $139 |
| Tomball | USAA | $161 |
| Tornillo | Redpoint Insurance | $137 |
| Trent | USAA | $131 |
| Trenton | Redpoint Insurance | $133 |
| Trinidad | USAA | $156 |
| Trinity | USAA | $149 |
| Troup | USAA | $151 |
| Troy | Redpoint Insurance | $130 |
| Tuleta | USAA | $141 |
| Tulia | USAA | $148 |
| Turkey | USAA | $148 |
| Tuscola | USAA | $131 |
| Tye | USAA | $131 |
| Tyler | Redpoint Insurance | $159 |
| Universal City | Redpoint Insurance | $137 |
| University Park | USAA | $158 |
| Utopia | Redpoint Insurance | $131 |
| Uvalde | Redpoint Insurance | $131 |
| Valera | Redpoint Insurance | $135 |
| Valley Mills | USAA | $138 |
| Valley View | USAA | $139 |
| Van | Redpoint Insurance | $149 |
| Van Alstyne | Redpoint Insurance | $156 |
| Van Horn | State Farm | $140 |
| Van Vleck | USAA | $148 |
| Vega | Redpoint Insurance | $151 |
| Venus | Redpoint Insurance | $134 |
| Vernon | USAA | $143 |
| Victoria | USAA | $146 |
| Vidor | USAA | $162 |
| Village Mills | State Farm | $202 |
| Von Ormy | Redpoint Insurance | $160 |
| Votaw | USAA | $158 |
| Waco | Redpoint Insurance | $145 |
| Waelder | USAA | $143 |
| Waller | Redpoint Insurance | $154 |
| Wallis | Redpoint Insurance | $131 |
| Wallisville | USAA | $163 |
| Walnut Springs | USAA | $138 |
| Warren | USAA | $157 |
| Washington | Redpoint Insurance | $131 |
| Waskom | Redpoint Insurance | $159 |
| Watauga | USAA | $136 |
| Waxahachie | USAA | $147 |
| Weatherford | USAA | $144 |
| Webster | USAA | $157 |
| Weimar | Redpoint Insurance | $131 |
| Wellington | Redpoint Insurance | $151 |
| Wells | USAA | $149 |
| Wells Branch | State Farm | $154 |
| Weslaco | Redpoint Insurance | $156 |
| West | Redpoint Insurance | $140 |
| West Columbia | USAA | $147 |
| West Point | USAA | $143 |
| West University Place | Redpoint Insurance | $157 |
| Westbrook | USAA | $142 |
| Weston Lakes | State Farm | $148 |
| Wharton | USAA | $144 |
| Wheeler | Redpoint Insurance | $151 |
| White Deer | State Farm | $150 |
| White Oak | Redpoint Insurance | $155 |
| Whitehouse | USAA | $151 |
| Whitesboro | USAA | $141 |
| Whitewright | USAA | $139 |
| Whitney | USAA | $138 |
| Wichita Falls | USAA | $127 |
| Wiergate | USAA | $157 |
| Willis | USAA | $149 |
| Wills Point | Redpoint Insurance | $149 |
| Wilmer | USAA | $173 |
| Wilson | State Farm | $145 |
| Wimberley | USAA | $141 |
| Windthorst | USAA | $136 |
| Wink | State Farm | $132 |
| Winnie | USAA | $163 |
| Winnsboro | Redpoint Insurance | $148 |
| Winona | USAA | $151 |
| Winters | Redpoint Insurance | $135 |
| Wolfe City | Redpoint Insurance | $145 |
| Wolfforth | Redpoint Insurance | $149 |
| Woodsboro | USAA | $141 |
| Woodson | Redpoint Insurance | $133 |
| Woodville | USAA | $157 |
| Wortham | USAA | $137 |
| Wyldwood | USAA | $147 |
| Wylie | USAA | $151 |
| Yantis | Redpoint Insurance | $148 |
| Yoakum | USAA | $144 |
| Yorktown | USAA | $143 |
| Zapata | USAA | $141 |
| Zavalla | Redpoint Insurance | $130 |
| Zephyr | Redpoint Insurance | $128 |
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Cheapest Car Insurance Coverage in Texas
A major factor in how much you pay for auto coverage in Texas is the type of coverage you buy. While you can customize your insurance policy in a few different ways, there are two main categories: minimum-liability policies and full-coverage insurance.
Cheapest Texas Minimum-Coverage Auto Insurance
Texas Average Minimum-Coverage Cost: $86 per month
USAA offers the cheapest car insurance rates in the state of Texas. Premiums for minimum coverage are $52 per month, 40% cheaper than the state average.
| Car Insurance Company | Average Monthly Minimum-Coverage Rate | Monthly Savings Compared to Texas Average ($) | Monthly Savings Compared to Texas Average (%) |
|---|---|---|---|
| USAA | $52 | $34 | 40% |
| Redpoint Insurance | $56 | $30 | 35% |
| State Farm | $57 | $29 | 34% |
| Geico | $65 | $21 | 24% |
| Mercury Insurance | $69 | $17 | 19% |
Cheapest Texas Full-Coverage Auto Insurance
Texas Average Full-Coverage Cost: $254 per month
The cheapest full-coverage car insurance rates in Texas come from Redpoint Insurance. Premiums for full coverage are $164 per month, 36% cheaper than the state average.
| Car Insurance Company | Average Monthly Minimum-Coverage Rate | Monthly Savings Compared to Texas Average ($) | Monthly Savings Compared to Texas Average (%) |
|---|---|---|---|
| Redpoint Insurance | $164 | $90 | 36% |
| State Farm | $187 | $67 | 26% |
| USAA | $193 | $61 | 24% |
| Southern County Mutual | $217 | $37 | 15% |
| Geico | $226 | $29 | 11% |
Cheapest Car Insurance in Texas by Age
Teen drivers pay the highest premiums in the state, while rates gradually decrease then level out for adult drivers.
Cheapest Texas Auto Insurance for Teens
Texas Minimum-Coverage Average for Teen Drivers: $254 per month
Texas Full-Coverage Average for Teen Drivers: $476 per month
| Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Redpoint Insurance | $57 |
| USAA | $169 |
| State Farm | $177 |
| Geico | $178 |
| Southern County Mutual | $206 |
*Rates are for 16-year-old drivers with no driving violations who drive a 2023 Toyota Camry and purchase their own policy.
| Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Redpoint Insurance | $161 |
| State Farm | $490 |
| USAA | $531 |
| Geico | $537 |
| AAA | $551 |
*Rates are for 16-year-old drivers with no driving violations who drive a 2023 Toyota Camry and purchase their own policy.
Cheapest Texas Auto Insurance for Young Adults
Texas Minimum-Coverage Average for Young Adults: $91 per month
Texas Full-Coverage Average for Young Adults: $281 per month
USAA has the cheapest minimum coverage for 25-year-old drivers, and Redpoint Insurance offers the cheapest full coverage.
| Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $51 |
| State Farm | $53 |
| Redpoint Insurance | $57 |
| Geico | $66 |
| Southern County Mutual | $74 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Redpoint Insurance | $161 |
| USAA | $179 |
| State Farm | $187 |
| Geico | $211 |
| Southern County Mutual | $232 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Texas Auto Insurance for Adults
Texas Minimum-Coverage Average for Adults: $76 per month
Texas Full-Coverage Average for Adults: $240 per month
USAA has the cheapest minimum-coverage while Redpoint Insurance has the cheapest full-coverage rates for 35-year-old drivers.
| Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $44 |
| State Farm | $48 |
| Redpoint Insurance | $56 |
| Geico | $58 |
| Southern County Mutual | $60 |
*Rates are for 35-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Redpoint Insurance | $165 |
| State Farm | $165 |
| USAA | $174 |
| Southern County Mutual | $190 |
| Geico | $210 |
*Rates are for 35-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Texas Auto Insurance for Seniors
Texas Minimum-Coverage Average for Seniors: $85 per month
Texas Full-Coverage Average for Seniors: $250 per month
For older drivers, State Farm offers low-priced minimum coverage at $54 per month. Redpoint Insurance is the cheapest pick for full coverage, charging $161 per month.
| Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| State Farm | $54 |
| Redpoint Insurance | $57 |
| USAA | $60 |
| Southern County Mutual | $61 |
| Geico | $72 |
*Rates are for 75-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Redpoint Insurance | $161 |
| State Farm | $163 |
| Southern County Mutual | $169 |
| USAA | $170 |
| Geico | $190 |
*Rates are for 75-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Car Insurance for High-Risk Drivers in Texas
Cheapest Texas Auto Insurance for Bad Credit
Texas Minimum-Coverage Average for Bad Credit: $137 per month
Texas Full-Coverage Average for Bad Credit: $328 per month
Plans for drivers with bad credit in the Lone Star State can are, on average, 29% more expensive for full-coverage and 60% more expensive for a minimum coverage policy, compared to the state average. Redpoint Insurance is the cheapest provider for drivers with low credit scores.
| Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Redpoint Insurance | $57 |
| USAA | $62 |
| Southern County Mutual | $88 |
| Progressive | $107 |
| Dairyland Insurance | $130 |
*Rates are for a 35-year-old driver with no driving violations who owns a 2023 Toyota Camry.
| Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Redpoint Insurance | $161 |
| USAA | $249 |
| Southern County Mutual | $326 |
| Progressive | $333 |
| AAA | $385 |
*Rates are for a 35-year-old driver with no driving violations who owns a 2023 Toyota Camry.
Cheapest Texas Auto Insurance After a DWI
Texas Minimum-Coverage Average After a DWI: $118 per month
Texas Full-Coverage Average After a DWI: $330 per month
Drivers with DWIs will see their premiums increase substantially. For minimum coverage, rates are 40% more expensive than the state average, while for full coverage, rates are 31% more expensive. Redpoint Insurance is the cheapest provider after a DWI.
| Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Redpoint Insurance | $57 |
| Southern County Mutual | $80 |
| State Farm | $87 |
| USAA | $88 |
| Progressive | $97 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
| Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Redpoint Insurance | $161 |
| Southern County Mutual | $223 |
| State Farm | $255 |
| Progressive | $289 |
| USAA | $294 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
Cheapest Texas Auto Insurance After an Accident
Texas Minimum-Coverage Average After an Accident: $126 per month
Texas Full-Coverage Average After an Accident: $283 per month
If you’ve been in an accident, your rates will increase. On average, minimum-coverage rates are 49% more expensive, while full-coverage rates are 12% more expensive. Redpoint Insurance is the cheapest insurer after an accident.
| Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Redpoint Insurance | $57 |
| State Farm | $59 |
| Southern County Mutual | $69 |
| USAA | $70 |
| Geico | $101 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
| Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Redpoint Insurance | $161 |
| State Farm | $189 |
| USAA | $236 |
| Southern County Mutual | $257 |
| Geico | $320 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
Cheapest Texas Auto Insurance After a Speeding Ticket
Texas Minimum-Coverage Average After a Speeding Ticket: $95 per month
Texas Full-Coverage Average After a Speeding Ticket: $273 per month
After a speeding ticket, drivers can expect their plans to be 12% more expensive for minimum coverage and 8% more expensive for full coverage. State Farm offers the cheapest minimum coverage and Redpoint Insurance has the lowest full-coverage rates.
| Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| State Farm | $48 |
| USAA | $49 |
| Redpoint Insurance | $57 |
| Southern County Mutual | $64 |
| Geico | $72 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
| Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Redpoint Insurance | $161 |
| State Farm | $163 |
| USAA | $173 |
| Southern County Mutual | $192 |
| Geico | $248 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
Cheapest Texas Auto Insurance After a Texting-While-Driving Ticket
Texas Minimum-Coverage Average After a Texting-While-Driving Ticket: $91 per month
Texas Full-Coverage Average After a Texting-While-Driving Ticket: $260 per month
Drivers with a texting-while-driving violation can expect their plans to be 7% more expensive for minimum coverage and 3% more expensive for full coverage, on average. The cheapest minimum coverage comes from State Farm while Redpoint Insurance has the best full coverage rates.
| Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| State Farm | $48 |
| USAA | $49 |
| Redpoint Insurance | $57 |
| Geico | $73 |
| AAA | $78 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
| Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Redpoint Insurance | $161 |
| State Farm | $163 |
| USAA | $173 |
| AAA | $212 |
| Southern County Mutual | $223 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
Texas Car Insurance Trends: What You Need To Know
After factoring in individual risk levels, car insurance companies set their rates based on regional claims risk and severity. In Texas, a couple of key factors may have led to higher insurance costs: vehicle theft and natural disasters.
- According to data from the Insurance Information Institute, Texas ranks second among all states in the country for total vehicles stolen as of 2023, with 115,013 car thefts that year. That represents a 10% increase from 2022.
- Natural disasters pose a huge property damage threat in Texas. The Federal Emergency Management Agency Expected Monthly Loss rating scores states based on expected property damage losses. In this rating, Texas has several areas in the “relatively high” and “very high” risk category.
- The risk of damages from natural disasters in Texas is increasing. Between 1980 and 2024, the state has had 190 billion-dollar disasters, totaling over $440 billion in costs. In the 2000s, Texas experienced an average of 2.5 billion-dollar disaster events per year. Last year, it experienced 20 billion-dollar disaster events, an eight-fold increase in twenty years.
Cheap Car Insurance in Texas: FAQ
Below are some frequently asked questions about cheap car insurance in Texas:
The cheapest car insurance provider in Texas is USAA, with minimum-coverage rates of $52. If you’re not eligible for coverage with for USAA, Redpoint Insurance also has low rates. For full-coverage plans, Redpoint Insurance offers the cheapest at $164 per month.
On average, it costs $86 per month for minimum coverage in Texas, and $254 per month for full coverage.
Yes, it’s illegal to not carry car insurance in Texas. If you’re convicted of driving without insurance, you’ll have your license and registration immediately suspended until you provide proof of insurance. You may need to pay a fine of up to $350, or up to $1,000 for a second offense.
Methodology: How We Chose the Cheapest Car Insurance in Texas
Our comprehensive rating system utilizes the latest insurance rates from Quadrant Information Services in combination with data we’ve collected on dozens of insurance companies. To help consumers get the most accurate picture of insurance rates in Texas, we’ve averaged rates from the top 12 providers across 40 Texas ZIP codes. Unless otherwise specified, our base driver profile includes male and female drivers, age 35, driving a 2023 Toyota Camry with a clean driving record and good credit.
We’ve also looked at quotes for Texas drivers of multiple ages and those with a history of accidents, speeding tickets, DUIs or poor credit. Our minimum-coverage quotes reflect coverage that meets state minimum insurance requirements in Texas, while our full-coverage quotes reflect the following coverage amounts:
✔ $50,000 per person in bodily injury coverage
✔ $100,000 per accident in bodily injury coverage
✔ $50,000 per person in property damage coverage
✔ $500 comprehensive coverage deductible
✔ $500 collision coverage deductible
How We Vetted Texas Car Insurance Providers
In this article, providers are sorted by cheapest average costs in Texas and selected for recommendation based on our national ratings. When rating providers nationally or in Texas, we take several factors into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
