Finding Affordable Auto Insurance In Texas: Tips And Tricks

Texas Farm Bureau offers the cheapest car insurance in Texas for minimum liability and full coverage options. State Farm has the cheapest car insurance rates in Texas for teen drivers and those with a ticket or accident.

The average cost of car insurance in Texas is $1,716 per year, according to a study. This is $173 per year more than the national average.

Cheapest car insurance for teens in Texas

Car insurance for teens in Texas is expensive due to their lack of driving experience and the higher likelihood of accidents when compared to older, more experienced drivers.

Cheapest car insurance companies for teens in Texas

According to a 2024 study, the cheapest car insurance companies for teens in Texas are:

• Farmers: $2,569 for female teens and $3,265 for male teens
• USAA: $3,147 for male teens

Cheapest car insurance for teens with a speeding ticket in Texas

Receiving a speeding ticket will cause your insurance rates to increase. The cheapest car insurance companies in Texas for teens with a speeding ticket are:

• Farmers: $2,821 for female teens and $3,533 for male teens
• USAA: $2,936 for female teens and $3,147 for male teens

Cheapest car insurance for teens with an at-fault accident in Texas

Causing an accident will further increase your insurance rates. The cheapest car insurance companies in Texas for teens with an at-fault accident are:

• Farmers: $2,937 for female teens and $3,860 for male teens
• USAA: $3,172 for female teens and $3,581 for male teens

Cheapest car insurance for teens with a DUI in Texas

Having a DUI on your record will significantly increase your insurance rates. The cheapest car insurance companies in Texas for teens with a DUI are:

• GEICO: $35/month
• USAA: $3,697 for female teens and $4,523 for male teens
• State Farm: $3,406 for female teens and $4,012 for male teens

Cheapest car insurance for young adults in Texas

Young adults in Texas can get the cheapest car insurance from these providers:

• Texas Farm Bureau: $932 per year
• State Farm: $1,280 per year

The average cost of full-coverage insurance for 21-year-olds in Texas is $4,186 per year, while 25-year-olds pay $3,070 per year.

USAA is the cheapest option for 25-year-old drivers, with an average rate of $1,045 per year.

Young drivers can save money by comparing multiple quotes and looking for discounts.

Cheapest car insurance for seniors in Texas

Car insurance rates in Texas for seniors start to increase around age 65 and continue to climb with age. The average cost of car insurance for a 60-year-old driver in Texas is $1,618 per year for a full coverage policy. The cheapest car insurance for seniors in Texas is offered by State Farm, costing an average of $94 per month or $1,130 per year. USAA also offers competitive rates for seniors, but their policies are only available to military personnel and their families.

Best Car Insurance for Seniors in Texas

The best car insurance for seniors in Texas is offered by:

• State Farm
• USAA
• Nationwide
• The Hartford
• Progressive
• Allstate

How to Get Cheaper Car Insurance as a Senior in Texas

To get cheaper car insurance as a senior in Texas, you can:

• Shop around for a new policy
• Update your driver status
• Take a defensive driving class
• Choose a cheaper car to insure
• Increase your deductible
• Bundle your insurance coverage
• Add protective technology to your car
• Pay in full

Cheapest car insurance for higher-risk drivers in Texas

Texas Farm Bureau offers the cheapest car insurance in Texas, with an average rate of $863 per year. However, the cheapest car insurance for high-risk drivers in Texas is offered by State Farm, costing $1,459 annually.

High-risk drivers are those who are young and inexperienced or those who have offences on their record, such as speeding tickets, DUIs, or at-fault accidents. Other factors that can lead to a driver being considered high-risk include poor credit, owning a sports car, or a lapse in coverage.

State Farm offers SR-22 insurance for those who need to file an SR-22 according to state regulations, as well as non-owner SR-22 car insurance for individuals without a vehicle. The company also offers a range of discounts to help lower insurance costs, including for vehicle safety features, driving habits, and educational achievements.

For high-risk drivers seeking more affordable car insurance, State Farm and Travelers offer the most budget-friendly options, with annual premiums of $1,459 and $1,649, respectively.

Cheapest car insurance for military drivers in Texas

USAA is the best and cheapest car insurance company for military drivers in Texas. USAA is only available to current and former military members and their families. It offers a wide variety of coverage options and several benefits for military personnel, such as a discount for military members who store their cars on base.

Other cheap car insurance companies for military drivers in Texas include:

• Nationwide
• Travelers
• Farmers
• Geico
• Liberty Mutual
• Armed Forces Insurance

The average cost of car insurance in Texas is $1,716 per year, but USAA has an average annual rate of $840 for drivers with a clean record.

Frequently asked questions