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Texas car insurance laws require drivers to carry at least some liability coverage, but finding a great deal isn't always easy. The secret to scoring the cheapest car insurance in Texas is to focus on the right providers and compare quotes from several of them to see which can offer you the best deal. Here are a few of the best car insurance companies in Texas that drivers may want to consider in their search:
The best car insurance in Texas for typical drivers is Texas Farm Bureau Insurance. On average, its premiums cost $1,378.
Other companies offering affordable car insurance in Texas include:
State Farm offers the best car insurance in Texas for drivers with a single speeding ticket. Its average premium of $1,461 per year falls well below the state average of $2,700.
But some of its competitors aren't far behind. These include:
Teen drivers can expect to pay about $6,439 per year on average to get Texas auto insurance. But those who go with Redpoint County Mutual could score a much lower rate. Its average annual premium for 18-year-old drivers is $1,478 per year.
The following companies also offer some of the cheapest car insurance in Texas to young drivers:
Senior drivers pay about $2,110 for Texas auto insurance on average. But drivers who choose Texas Farm Bureau Insurance could pay roughly half that. Its average annual premium for a 65-year-old driver is $1,184.
Other Texas auto insurance companies that stood out for senior drivers include:
Drivers looking for cheap liability car insurance in Texas should consider Texas Farm Bureau Insurance. It only charges about $487 per year on average, which is far less than the $712 state average.
Other companies that offer affordable minimum coverage for Texas residents include:
How much is car insurance in Texas? It currently costs about $2,968 per year on average, according to our research. That's a little above the national average of $2,875. But it's still possible to score cheap car insurance quotes in Texas if you try some of the tips below.
|AVERAGE RATE CATEGORY||TEXAS||NATIONAL AVERAGE|
|1 accident on driving record||$3,427||$3,226|
|1 speeding ticket on driving record||$2,789||$2,840|
Here are some key Texas auto insurance laws drivers should be aware of.
At-fault auto insurance states require the driver who is found to be at fault in the accident to pay for medical bills for themselves and the other driver, if necessary. This is different from no-fault states, where both drivers are supposed to have personal injury protection (PIP). Each uses their own PIP to pay for their medical expenses, regardless of who caused the accident.
The first time a person is caught driving without insurance in Texas, they can expect a fine somewhere between $175 and $350. Subsequent offenses can bring fines between $350 and $1,000. Driving without insurance can also lead to suspension of a driver's license and vehicle registration. Some may even have their vehicles impounded.
Texas minimum coverage requirements include the following.
Texas drivers are required to have at least:
Drivers in Texas must also purchase at least $25,000 in property damage liability coverage to pay for vehicle repairs or other personal property they damage in a crash.
Try these tips to score the cheapest car insurance in Texas.
Keep the following things in mind when shopping for cheap auto insurance in Texas.
There were nearly 193,000 Texas auto insurance claims filed in 2019 due to hail, according to the Insurance Information Institute. That's far and away the most in the country. Drivers may be able to avoid this issue by parking their vehicles in a garage or under a carport. But this isn't always possible.
It's wise to invest in comprehensive coverage as well. This pays for weather-related damages to your vehicle as well as animal-vehicle crashes and more. Lenders may require drivers with a lease or loan on their vehicle to purchase this coverage.
Drivers in the Odessa, Texas area can expect to pay slightly more for auto insurance than drivers in other parts of the state because Odessa sees a high rate of vehicle thefts every year, according to the Insurance Information Institute.
This is yet another reason to consider investing in comprehensive coverage, even if you aren't required to have it. It will pay a driver for their stolen vehicle if they're unable to recover it or if they do recover it and it's damaged. State minimum liability coverage won't protect drivers from this.
What additional coverage do you recommend specifically for Texas drivers?
Everyone should have underinsured and uninsured coverage. A good credit score can reduce your rates. Texas has a large number of uninsured drivers and even more who have minimum liability. These drivers are responsible for a large percentage of the accidents.
The average cost of auto insurance for the "typical" driver with a clean driving record is $1,378. Your cost will depend on factors such as:
Texas auto insurance is near the national average. If a particular policy is expensive, it may be due to speeding tickets, accidents on the driver's record, poor credit history, driving a high-end car, or several other factors.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. The Motley Fool has a Disclosure Policy. The Author and/or The Motley Fool may have an interest in companies mentioned.
The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
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