Cheapest Car Insurance In Texas For 2025
For just $30 a month on average, Texas Farm Bureau provides the least expensive minimum coverage car insurance in Texas.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for low-cost auto insurance in Texas, can uncover a diverse range of options.
Those in search of affordable liability-only insurance will find Texas Farm Bureau to be the winner. State Farm is ideal for full coverage, and Texas Farm Bureau once more delivers the best deals for younger drivers.
Cheapest Car Insurance Companies In Texas, 2025
Cheapest Liability-only Car Insurance In Texas: Texas Farm Bureau
Texas Farm Bureau is the most affordable choice for minimum coverage car insurance in Texas, with rates averaging $30 per month.
Examine the table below to see how rates vary between different car insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $30 | $360 |
| State Farm | $39 | $468 |
| AAA Texas | $57 | $684 |
| Allstate | $66 | $792 |
| GEICO | $71 | $852 |
Cheapest Full Coverage Insurance Rates In Texas: State Farm
For the cheapest full coverage car insurance in Texas, State Farm stands out, with an average quote of $89 per month.
Refer to the table below to compare typical car insurance rates from budget-friendly insurers in Texas.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $89 | $1,068 |
| Allstate | $130 | $1,560 |
| Progressive | $104 | $1,248 |
| AAA Texas | $120 | $1,440 |
| Mercury | $135 | $1,620 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm provides seniors in Texas with the lowest car insurance rates, averaging $37 monthly.
Refer to the table below for average quotes from the cheapest auto insurers offering coverage for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $37 | $444 |
| Mercury | $42 | $504 |
| Texas Farm Bureau | $40 | $480 |
| AAA texas | $61 | $732 |
| Allstate | $69 | $828 |
Cheapest Rates In Texas For Teenagers: State Farm
State Farm has the most cost-effective car insurance for teenagers in Texas, with an average monthly premium of $128.
The table below lists insurers offering the lowest premiums for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $128 | $1,536 |
| Nationwide | $290 | $3,480 |
| Allstate | $188 | $2,256 |
| Mercury | $283 | $3,396 |
| GEICO | $131 | $1,572 |
Cheapest Auto Insurance For Young Adults in Texas: Texas Farm Bureau
The cheapest insurance for young adults in Texas comes from Texas Farm Bureau, with rates averaging $38 per month.
You can refer to the table below to compare Texas’ cheapest auto insurance rates for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $38 | $460 |
| Progressive | $59 | $708 |
| State Farm | $47 | $564 |
| GEICO | $77 | $924 |
| Allstate | $84 | $1,008 |
Cheapest Car Insurance In Texas For Good Drivers: Texas Farm Bureau
For good drivers in Texas, Texas Farm Bureau’s car insurance rates are the cheapest, with quotes averaging $30 a month.
If you’re a good driver, you can use the table below to check the average quotes from budget-friendly insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $30 | $360 |
| State Farm | $39 | $468 |
| AAA Texas | $57 | $684 |
| Allstate | $66 | $792 |
| GEICO | $71 | $852 |
Find affordable Texas rates
Cheapest Car Insurance In Texas After A Speeding Ticket: Texas Farm Bureau
For drivers with a speeding violation, Texas Farm Bureau’s rates in Texas are among the cheapest, averaging $31 a month.
The table below outlines the average car insurance rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $31 | $366 |
| Mercury | $53 | $636 |
| State Farm | $41 | $492 |
| Allstate | $67 | $804 |
| GEICO | $77 | $924 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm offers the most competitive rates for drivers with an at-fault incident, averaging $51 per month.
Here are the car insurance providers with the lowest quotes for drivers who have an at-fault accident in their driving history.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $51 | $612 |
| Progressive | $78 | $936 |
| Texas Farm Bureau | $52 | $624 |
| GEICO | $93 | $1,116 |
| Allstate | $114 | $1,368 |
Cheapest Rates In Texas For Drivers After A DUI: Mercury
Mercury leads in affordability for drivers in Texas with a DUI, offering an average monthly rate of $54.
Drivers in Texas with a DUI can find the best rates listed in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $54 | $648 |
| State Farm | $74 | $888 |
| Texas Farm Bureau | $68 | $816 |
| Foremost | $104 | $1,248 |
| AAA Texas | $89 | $1,068 |
Best Car Insurance Companies In Texas
For the lowest insurance rates in Texas, Texas Farm Bureau is the best choice at $30 per month, followed by State Farm at $39 and Mercury at $41 monthly.
Shown below are the top 10 car insurance companies in Texas, ranked by their average monthly costs.
| Company | Monthly Premium |
| Texas Farm Bureau | $30 |
| State Farm | $39 |
| AAA Texas | $57 |
| Allstate | $66 |
| GEICO | $71 |
| Mercury | $41 |
| National General | $64 |
| Nationwide | $87 |
| Safeco | $111 |
| Chubb | $117 |
| Mile Auto | $62 |
Average Auto Insurance Rates In Texas – By Age
Age is a crucial factor in car insurance rates, with younger drivers paying more because of their higher likelihood of accidents and violations. Teenagers can expect to pay approximately $3,080 annually for insurance.
Drivers typically see a reduction in their insurance rates once they reach 25, assuming they have no accidents or violations.
Those in their 50s and early 60s often receive the most affordable insurance rates, as insurers factor in age when assessing risk and experience, influencing premium costs.
| Age | Average Yearly Rate |
| Teenagers | $3,080 |
| 20s | $2,111 |
| 30s | $1,714 |
| 40s | $1,507 |
| 50s | $1,378 |
| 60s | $1,445 |
| 70s | $1,637 |
Average Rates In Texas – By Vehicle
The car you drive has a significant impact on your insurance rates. Factors like the make, model, year, and body type are all considered, and newer cars—especially luxury models with higher replacement costs—tend to have more expensive premiums.
The table below breaks down average car insurance rates in Texas by vehicle type.
| Vehicle | Average Monthly Rate |
| Ford Escape | $350 |
| Lexus ES | $432 |
| Chevrolet Malibu | $384 |
| Buick Encore | $391 |
| Subaru Outback | $248 |
How Much Is Car Insurance In Other Cities in Texas ?
Living in an urban area can drive up your car insurance premiums due to higher risks of accidents, theft, and vandalism, which insurance companies use to assess rates.
For example, the average monthly car insurance rate in Baytown is $173, while in Alpine, it’s $131.
| City | Average Monthly Rate |
| Killeen | $141 |
| Sherman | $144 |
| Fort Worth | $159 |
| Baytown | $173 |
| El Paso | $152 |
| Alpine | $131 |
| Beaumont | $169 |
| Arlington | $166 |
| Laredo | $162 |
| Abilene | $150 |
Find affordable Texas rates
Our Methodology
Based on a detailed analysis of customer satisfaction, product offerings, pricing, and online reviews, I’ve compiled a thorough overview of car insurance providers in Texas.
Quotes Assessed
Hours Of Research
Years Of Industry Expertise
Brands Reviews
FAQs
Who has the lowest car insurance rates in Texas?
In Texas, Texas Farm Bureau offers the most affordable rates for minimum coverage, while State Farm is the most cost-effective option for full coverage, which includes both comprehensive and collision coverage.
What is the average cost of car insurance in Texas?
The average monthly rate for car insurance in Texas is about $140, but rates can be influenced by factors such as your zip code, car details, and driving history.
