Best Cheap Auto Insurance In Texas

Texas Farm Bureau offers the cheapest car insurance in Texas, with an average rate of $863 per year, according to various sources. The average rate of insurance for Texas drivers is $1,716 per year.

Cheapest car insurance companies in Texas

The cost of car insurance in Texas varies depending on factors such as age, driving history, location, and type of coverage. Here is a list of some of the cheapest car insurance companies in Texas:

Cheapest overall:

Texas Farm Bureau: Offers the cheapest rates for full coverage and minimum coverage.##

Cheapest for young drivers:

• State Farm: Offers the cheapest rates for teens and young adults with accidents or DUIs on their record.
• USAA: Offers affordable rates for young drivers, especially those with a military connection.
• Redpoint County Mutual: Offers the cheapest rates for teens, including those with tickets or accidents on their record.##

Cheapest for adults:

• Texas Farm Bureau: Offers the cheapest rates for 35-year-old drivers.
• USAA: Offers the cheapest rates for 60-year-old drivers.##

Cheapest for drivers with prior incidents:

• Geico: Offers the cheapest rates for drivers with a speeding ticket, an at-fault accident, or a DUI on their record.
• State Farm: Offers affordable rates for drivers with an at-fault accident.
• USAA: Offers the cheapest rates for drivers with a speeding ticket.

Cheapest for military families:

USAA: Offers exclusive coverage for military members, veterans, and their families, with some of the lowest rates in the state.

Cheapest car insurance companies in Texas for minimum coverage

Texas has some of the highest speed limits in the country, and it's also subject to catastrophic weather events, which may be why its insurance rates are higher than the national average. The average cost of car insurance in Texas is $1,716 per year, compared to the national average of $1,543.

The cheapest car insurance companies in Texas for minimum coverage are:

• Texas Farm Bureau: $33 per month
• USAA: $786 per year
• Allstate: $968 per year

Texas Farm Bureau has the cheapest car insurance rates in Texas, according to U.S. News. Its average annual rate of $863 is roughly half the statewide average cost of car insurance.

However, USAA has the cheapest sample car insurance rates in Texas for drivers seeking the state-mandated minimum coverage. Its average annual rate of $786 per year is $414 cheaper than the statewide average cost for this level of coverage.

USAA is only available to current and former military members and their families. For those who don't qualify for USAA, Allstate is the next cheapest option.

Cheapest car insurance in Texas for full coverage

The cost of car insurance in Texas varies depending on factors such as age, location, driving record, and credit history. The average cost of full coverage car insurance in Texas is $2,426 per year, or about $202 per month.

The cheapest car insurance companies in Texas for full coverage are:

• USAA: USAA is the cheapest option for full coverage, with an average annual rate of $886. However, USAA is only available to military members, veterans, and their families.
• Texas Farm Bureau: Texas Farm Bureau offers the second-cheapest full coverage option, with an average annual rate of $970.
• State Farm: State Farm is another affordable option, with an average annual rate of $1,342.
• Geico: Geico offers full coverage at an average annual rate of $1,445.
• Mercury: Mercury is a good choice for drivers with poor credit, offering full coverage at an average annual rate of $1,537.

It's important to note that these rates may vary depending on individual factors, and it's always a good idea to shop around and compare quotes from multiple providers to find the best rate for your specific situation.

Cheapest car insurance in Texas for drivers with prior incidents

Texas Farm Bureau Insurance is the cheapest car insurance company in Texas for drivers with prior incidents. It has the cheapest car insurance in Texas for most types of drivers, but particularly the cheapest car insurance for seniors. The company has also received the “Highest Customer Satisfaction Among Auto Insurers in Texas” in the J.D. Power auto insurance study for 11 consecutive years (2012 – 2022).

To qualify for car insurance coverage, you must become a Texas Farm Bureau member, but membership is open to all Texans in exchange for an annual fee.

USAA, which is only available to members of the military community, also offers lower-than-average rates.

State Farm is another option for drivers with prior incidents. It is one of the best car insurance companies nationwide for home and auto bundles, offering Texas drivers discounts for combining both coverages under the State Farm roof. State Farm maintains a low level of customer complaints. However, if you have poor credit, you should get quotes elsewhere.

Mercury is another great car insurance company for poor credit drivers in Texas because of its below-average rates. Drivers with poor credit often struggle to find reasonable rates on car insurance; Mercury is an exception for Texas drivers.

Its annual rates for good drivers are also notably below the annual cost of car insurance in Texas, though still higher than some other Texas car insurance companies. Mercury has an easy-to-use website, plus an app with digital ID cards.

Geico is another option for drivers with prior incidents. It is known for cheap coverage, and many drivers find below-average rates. Drivers can take advantage of 12 discount opportunities, plus access to a usage-based insurance program called DriveEasy.

Cheapest car insurance for young drivers in Texas

According to my searches, the cheapest car insurance for young drivers in Texas will depend on the driver's age, gender, and whether they are seeking full or minimum coverage.

Cheapest Car Insurance for Teen Drivers in Texas

Redpoint County Mutual offers the cheapest car insurance for teen drivers in Texas. For 16, 17, 18, and 19-year-olds, Redpoint offers the cheapest full-coverage car insurance. For 16-year-olds, the average annual rate is $1,749, while for 17, 18, and 19-year-olds, the average annual rate is $1,749.

Texas Farm Bureau offers the cheapest minimum coverage for teen drivers in Texas. For 16-year-olds, the average monthly rate is $64, while for 17-year-olds, the average monthly rate is $92.

Cheapest Car Insurance for 21 to 25-Year-Olds in Texas

Redpoint County Mutual also offers the cheapest full-coverage car insurance for 21 to 25-year-olds in Texas. The average monthly rate is $137.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket in Texas

Texas Farm Bureau offers the cheapest full-coverage car insurance for young drivers in Texas with a speeding ticket. The average annual rate is $1,427.

Cheapest Car Insurance for Young Drivers with a DUI in Texas

Texas Farm Bureau, USAA, and State Farm offer the cheapest full-coverage car insurance for young drivers in Texas with a DUI. The average annual rate is $1,662.

Cheapest Car Insurance for Young Drivers with Poor Credit in Texas

Texas Farm Bureau offers the cheapest full-coverage car insurance for young drivers in Texas with poor credit. The average monthly rate is $195.

Cheapest Car Insurance for Seniors in Texas

Texas Farm Bureau offers the cheapest car insurance for seniors in Texas. For 65-year-olds, the average annual rate is $1,200, while for 75-year-olds, the average annual rate is $1,270.

Frequently asked questions