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By Sandra Cruz | Updated March 5, 2021
If you're looking for the best Texas car insurance rates, you'll have to compare the quotes from one insurance company to another. Compared with rates all over the United States, Texas car insurance costs $1,458 per year on average, which is 9% less than the national average. Although Texas auto insurance regulations determine insurance premiums, other factors, such as age, marital status, driving history, credit score, and even gender, can influence pricing. Insurance Online compares different car insurance rates in Texas based on these factors to make your decision much easier.
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Texas Minimum Car Insurance Requirements
The minimum liability car insurance coverage required in Texas is as follows:
- $30,000 for the injury or death of a single person
- $60,000 for the injury or death of multiple persons
- $25,000 for property damage per accident
Texas Car Insurance Rates for 2021
Choosing the best Texas car insurance company to cover your liability can be a challenge. Most, if not all, insurance companies highlight their low premiums when advertising their services. However, you shouldn't base your decision entirely on insurance costs. It's essential to perform proper research to determine which insurance policy offers the best cheap auto insurance coverage for your vehicle.
Below, we've listed reliable car insurance companies with cheap car insurance rates in Texas and good-standing in the official ratings of financial super-houses like Standard & Poor's, A.M. Best, and Moody's and Fitch.
Texas Car Insurance Rates by Company
| Company | Average Monthly Rate |
|---|---|
| American Family | $224 |
| GEICO | $127 |
| Allstate | $96 |
| Nationwide | $175 |
| Mercury | $153 |
| Liberty Mutual | $ 224 |
| Progressive | $54 |
Cheapest Car Insurance Rates in Texas
If you're looking for the most affordable auto insurance rates in Texas, here's a list of the best you can find:
Auto Insurance Companies in Texas with Cheapest Rates
| Company | Average Annual Rate |
|---|---|
| Travelers | $1,031 |
| USAA | $1,461 |
| Esurance | $1,478 |
| Mercury | $1,491 |
| State Farm | $1,574 |
| Texas Farm Bureau | $1,679 |
| Allstate | $2,516 |
| Dairyland | $3,012 |
| 21st Century | $4,006 |
Cheapest Car Insurance for Drivers with Good Records in Texas
If you have a good driving record - free of at-fault accidents, speeding tickets, and bad credit - you save an average of 18% on your auto insurance in Texas. You could also earn a safe-driving bonus from your insurance firm. Safe driving bonuses could get you discounts as high as 10% on Texas car insurance.
Using different rating factors, here's what you're likely to save in insurance costs for good driving:
- No Speeding Tickets - $247 (17.47%)
- Accident-free - $253 (17.87%)
- Good credit - $946 (51.82%)
Texas Car Insurance Rates for Good Drivers
| Company | Average Annual Premium |
|---|---|
| Progressive | $648 |
| Allstate | $1,152 |
| State Farm | $1,356 |
| GEICO | $1,524 |
| Direct Auto | $1,725 |
Cheapest Auto Insurance for Drivers with Bad Driving Records in Texas
Texas Car Insurance Rates for Drivers At-Fault Accidents or Tickets
| Company Name | Drivers with an At-Fault Crash | Drivers with Tickets |
|---|---|---|
| Texas Farm Bureau | $1,210 | $1,041 |
| Republic Group | $1,351 | $1,410 |
| Geico | $1,917 | $1,917 |
| State Farm | $2,140 | $1,878 |
Average Car Insurance Rates in Texas by Age Group
Age influences how much drivers pay for their car insurance in Texas. Teenage drivers in Texas usually pay the highest premiums because they pose a higher risk due to their inexperience on the road. Below are the averages by age brackets:
Texas Car Insurance Premiums by Age Group
| Age | Annual Premium |
|---|---|
| 16 | $4,049 |
| 17 | $3,433 |
| 18 | $3,035 |
| 19 | $2,681 |
| 20s | $1,757 |
| 30s | $1,345 |
| 40s | $1,339 |
| 50s | $1,219 |
| 60s | $1,248 |
| 70s | $$1,509 |
Average Car Insurance Premiums by Gender in Texas
Texas car insurance companies consider gender when calculating insurance costs. Females generally have lower costs than males, on average, for car insurance in Texas.
Texas Auto Insurance Rates by Gender
| Male | Female |
|---|---|
| $1,415 | $1,396 |
Texas Car Insurance Rates by Marital Status
Like gender, marital status doesn't come across as an important pricing factor for car insurance in Texas. However, married folks tend to get discounts on their car insurance costs. Married drivers in Texas save an average of $99 annually on auto insurance.
Texas Car Insurance Premiums by Marital Status
| Marital Status | Annual Average |
|---|---|
| Single | $1,415 | Married | $1,316 | Divorced | $1,415 | Widowed | $1,286 |
Texas Car Insurance Premiums by Credit Rating
Motorists with good credit scores are likely to get better deals on their car insurance premiums in Texas. The reason is simple: drivers with a higher credit rating in Texas are statistically less likely to file insurance claims. On average, drivers with good credit history save $1,529 per year on Texas car insurance.
Drivers Credit Ratings vs Annual Car Insurance Premiums in Texas
| Credting Rating | Annual Average |
|---|---|
| Very Poor | $2,771 | Fair | $2,214 | Good | $1,825 | Very Good | $1,508 | Exceptional | $1,242 |
Texans with poor credit history need to look around for insurers with the best rates for poor credit drivers. Here's a list of the best rates for people in that category:
Cheap Car Insurance Rates in Texas for Drivers with Poor Credit
| Company | Annual Premium |
|---|---|
| Farmers | $1,976 | Geico | $2,392 | AAA | $2,405 | Republic Group | $2,410 | Nationwide | $2,647 |
Texas Driving Laws for 2021
By law, all vehicles on Texas roads must be insured. Drivers are required to carry proof of insurance and must present it if a law enforcement officer requests it, during vehicle registration renewal, or if the vehicle gets into an accident. However, around 20% of cars in Texas have no insurance. Violations of Texas car insurance laws can result in fines ranging from $175 to $350 on first conviction and $350 - $1,000 on subsequent convictions, alongside possible impoundment of your vehicle and suspension of the offender's driver's license.
How much does car insurance cost in Texas by city?
Car insurance companies calculate your rate based on several factors, the location of the vehicle being an important one. The cheapest car insurance is found in McKinney, Texas, and the most expensive in Dallas, Texas.
| City | Average Annual Premium |
|---|---|
| Dallas | $1,675 | Houston | $1,642 | Mesquite | $1,663 | Garland | $1,591 | McAllen | $1,567 | Grand Prairie | $1,545 | Pasadena | $1,542 | Beaumont | $1,522 | Brownsville | $1,518 | Irving | $1,510 | Amarillo | $1,508 | Arlington | $1,502 | Laredo | $1,504 | San Antonio | $1,503 | Carrollton | $1,498 | Lubbock | $1,462 | Fort Worth | $1,453 | El Paso | $1,439 | Plano | $1,412 | Austin | $1,411 | Corpus Christi | $1,405 | McKinney | $1,398 |
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.