Cheapest Car Insurance in Texas (Updated For 2022)


Cheapest Car Insurance in Texas.

Picking the right car insurance isn’t always easy when you’re on a budget. This is why we analyzed and compared the cheapest car insurance in Texas.

You came to the right place whether you’re looking for minimum coverage, full coverage, or cheap auto insurance after an accident.

We also compared insurance options for Texas drivers with poor credit, a DUI, and a speeding ticket.

On top of that, you will also find information on car insurance prices for Texas drivers that are 20, 22, 25, 28, 30, and 65+ years old.

Table of Contents

Overview of the Cheapest Car Insurance in Texas

Graph for the cheapest car insurance in Texas.

For Minimum Coverage: Farmers offers cheap auto insurance for minimum coverage at $537 annually or $44.75 a month.

Cheapest Full Coverage: Farmers also offers the cheapest full coverage car insurance at $571 a year or $47.58 a month. 

For Drivers With One At-Fault Accident: Farmers is the best option for drivers with one at-fault accident. Going with Farmers will cost you $795 a year or $66.25 per month.

Cheapest For Drivers With a DUI: Drivers with a DUI will pay $846 annually or $70.50 a month with Farmers.

For Drivers With a Speeding Ticket: State Farm offers the lowest priced auto insurance at $711 a year or $59.25 a month.

Cheapest For Drivers With Poor Credit: If you have poor credit, Farmers is the cheapest option for auto insurance. Getting Farmers insurance will cost you $1,040 a year or $86.67 per month.

We left out USAA from these TX insurance choices since only those currently or previously involved with the military are eligible for USAA.

Cheapest Minimum Coverage Car Insurance in Texas

If you want the bare minimum coverage in Texas, these are the lowest rates:

  1. Farmers – $537 a year or $44.75 per month (Cheapest Insurance)
  2. USAA – $542 every year or $45.17 a month
  3. State Farm – $633 a year or $52.75 per month
  4. GEICO – $675 each year or $56.25 a month
  5. AAA – $720 a year or $60 per month
  6. The General – $1683 every year or $140.25 per month (Most Expensive)

Cheapest Full Coverage Car Insurance in Texas

These are the rates you can expect in Texas if you want to be fully covered when driving:

  1. Farmers – $571 a year or $47.58 per month (Cheapest Insurance)
  2. USAA – $597 every year or $49.75 a month
  3. State Farm – $711 a year or $59.25 per month
  4. GEICO – $735 each year or $61.25 a month
  5. Allstate – $783 a year or $65.25 per month
  6. Mercury – $1029 every year or $85.75 per month
  7. MetLife – $1194 each year or $99.5 a month
  8. The General – $1802 a year or $150.17 per month (Most Expensive)
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Cheap Car Insurance in Texas For Drivers With Previous Accidents

Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in TX may include; speeding tickets, at-fault accidents, or DUIs.

Cheapest Texas Car Insurance With a Speeding Ticket

The cheapest car insurance in TX for a driver with a speeding ticket is either USAA or State Farm.

Insurance CompanyAnnual RateMonthly Rate
USAA$674$56.17
State Farm$711$59.25
Farmers$746$62.17
Allstate$783$65.25
GEICO$846$70.50
AAA$1,061$88.42
Nationwide$1,062$88.50
Mercury$1,297$108.08
The General$1,802$150.17

Cheap Texas Auto Insurance With One At-Fault Accident

USAA and State Farm are the cheapest options when it comes to car insurance for TX drivers with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
Farmers$795$66.25
State Farm$870$72.50
USAA$973$81.08
GEICO$1,019$84.92
AAA$1,180$98.33
Nationwide$1,444$120.33
Mercury$1,787$148.92
Esurance$1,989$165.75
The General$2,270$189.17
MetLife$2,396$199.67

Cheap Texas Car Insurance With a DUI

Progressive and USAA each have cheap annual rates for TX drivers with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Farmers$846$70.50
USAA$916$76.33
Esurance$935$77.92
State Farm$1,240$103.33
AAA$1,251$104.25
Nationwide$1,741$145.08
The General$2,019$168.25
MetLife$2,662$221.83

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Cheapest Auto Insurance For Texas Drivers With Poor Credit

If you’re located in Texas and have poor credit, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
Farmers$1,040$86.67
USAA$1,086$90.50
State Farm$1,293$107.75
GEICO$1,337$111.42
Allstate$1,426$118.83
Mercury$1,872$156.00
MetLife$2,172$181.00
The General$3,280$273.33

Cheapest Car Insurance For 20-Year-Old Drivers in Texas

Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in TX.

Cheapest Full Coverage Car Insurance For 20-Year-Old Texas Drivers

Farmers and USAA have the cheapest full coverage auto insurance for 20-year-olds in TX.

  1. Farmers – $1377 a year or $114.75 per month
  2. USAA – $1438 each year or $119.83 a month
  3. State Farm – $1712 a year or $142.67 per month
  4. GEICO – $1771 every year or $147.58 per month
  5. Allstate – $1888 each year or $157.33 a month

Cheapest Minimum Coverage Car Insurance in Texas For 20-Year-Old Drivers

The cheapest minimum coverage auto insurance for 20-year-olds is USAA and Farmers in TX.

  1. Farmers – $1294 a year or $107.83 per month
  2. USAA – $1306 each year or $108.83 a month
  3. State Farm – $1525 a year or $127.08 per month
  4. GEICO – $1626 every year or $135.5 per month
  5. AAA – $1734 each year or $144.5 a month

Cheap Auto Insurance For 20-Year-Old Texas Drivers With Poor Credit

Here are the lowest annual and monthly rates for 20-year-old TX drivers with poor credit:

  1. Farmers – $2508 a year or $209 per month
  2. USAA – $2620 each year or $218.33 a month
  3. State Farm – $3119 a year or $259.92 per month
  4. GEICO – $3226 every year or $268.83 per month
  5. Allstate – $3439 each year or $286.58 a month

Cheap Car Insurance For 20-Year-Old Texas Drivers With a Speeding Ticket

State Farm and USAA have the least expensive car insurance for 20-year-old TX drivers with a speeding ticket.

  1. USAA – $1623 a year or $135.25 per month
  2. State Farm – $1712 each year or $142.67 a month
  3. Farmers – $1799 a year or $149.92 per month
  4. Allstate – $1888 every year or $157.33 per month
  5. GEICO – $2039 each year or $169.92 a month

Cheap Auto Insurance in Texas For 20-Year-Old Drivers With a DUI

Here are the cheapest car insurance prices for 20-year-olds with a DUI:

  1. Farmers – $2039 a year or $169.92 per month
  2. USAA – $2208 each year or $184 a month
  3. Esurance – $2255 a year or $187.92 per month
  4. State Farm – $2988 every year or $249 per month
  5. AAA – $3015 each year or $251.25 a month

Cheap Car Insurance in Texas For 20-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in TX with one at-fault accident:

  1. Farmers – $1916 a year or $159.67 per month
  2. State Farm – $2097 each year or $174.75 a month
  3. USAA – $2344 a year or $195.33 per month
  4. GEICO – $2455 every year or $204.58 per month
  5. AAA – $2843 each year or $236.92 a month

Cheapest Car Insurance For 22-Year-Old Drivers in Texas

A 22-year-old TX driver usually won’t be paying as much for their auto insurance compared to 18-year-olds or 20-year-olds. However, a 22-year-old in TX also won’t have the discounted car insurance price older individuals have.

Cheapest Full Coverage Car Insurance For 22-Year-Old Texas Drivers

The lowest cost full coverage auto insurance for 22-year-olds is USAA and Farmers in TX.

Insurance CompanyAnnual RateMonthly Rate
Farmers$943$78.58
USAA$985$82.08
State Farm$1,172$97.67
GEICO$1,213$101.08
Allstate$1,293$107.75

Cheapest Minimum Coverage Car Insurance in Texas For 22-Year-Old Drivers

When it comes to cheap minimum coverage auto insurance in TX for 22-year-olds, the best companies to use are USAA and Farmers.

Insurance CompanyAnnual RateMonthly Rate
Farmers$886$73.83
USAA$894$74.50
State Farm$1,044$87.00
GEICO$1,113$92.75
AAA$1,187$98.92

Cheap Auto Insurance For 22-Year-Old Texas Drivers With Poor Credit

Here are the cheapest yearly and monthly auto insurance rates for 22-year-old TX drivers with poor credit:

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Insurance CompanyAnnual RateMonthly Rate
Farmers$1,714$142.83
USAA$1,790$149.17
State Farm$2,132$177.67
GEICO$2,205$183.75
Allstate$2,350$195.83

Cheap Car Insurance For 22-Year-Old Texas Drivers With a Speeding Ticket

USAA and State Farm have the cheapest expensive car insurance for 22-year-old TX drivers with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,111$92.58
State Farm$1,172$97.67
Farmers$1,231$102.58
Allstate$1,293$107.75
GEICO$1,396$116.33

Cheap Auto Insurance in Texas For 22-Year-Old Drivers With a DUI

These are the least expensive car insurance prices for 22-year-olds with a DUI:

Insurance CompanyAnnual RateMonthly Rate
Farmers$1,396$116.33
USAA$1,512$126.00
Esurance$1,544$128.67
State Farm$2,045$170.42
AAA$2,064$172.00

Cheap Car Insurance in Texas For 22-Year-Old Drivers With One At-Fault Accident

These insurance companies offer cheap annual and monthly car insurance for 22-year-olds in TX with an accident:

Insurance CompanyAnnual RateMonthly Rate
Farmers$1,312$109.33
State Farm$1,436$119.67
USAA$1,605$133.75
GEICO$1,681$140.08
AAA$1,946$162.17

Cheapest Car Insurance For 25-Year-Old Drivers in Texas

25 is the age where TX auto insurance premiums start to decline quicker. This means living in Texas, you get to save more money on car insurance.

Cheapest Full Coverage Car Insurance For 25-Year-Old Texas Drivers

Here are the cheapest options for full coverage auto insurance for 25-year-olds in TX:

Insurance CompanyAnnual RateMonthly Rate
Farmers$777$64.75
USAA$812$67.67
State Farm$966$80.50
GEICO$999$83.25
Allstate$1,065$88.75

Cheapest Minimum Coverage Car Insurance in Texas For 25-Year-Old Drivers

Farmers and USAA have the cheapest minimum coverage auto insurance for TX 25-year-olds.

Insurance CompanyAnnual RateMonthly Rate
Farmers$730$60.83
USAA$737$61.42
State Farm$860$71.67
GEICO$918$76.50
AAA$979$81.58

Cheap Auto Insurance For 25-Year-Old Texas Drivers With Poor Credit

25-year-old drivers with poor credit can use USAA or Farmers for the lowest annual and monthly rates.

Insurance CompanyAnnual RateMonthly Rate
Farmers$1,417$118.08
USAA$1,480$123.33
State Farm$1,762$146.83
GEICO$1,822$151.83
Allstate$1,943$161.92

Cheap Car Insurance For 25-Year-Old Texas Drivers With a Speeding Ticket

Here are the least expensive auto insurance options for 25-year-old TX drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$916$76.33
State Farm$966$80.50
Farmers$1,015$84.58
Allstate$1,065$88.75
GEICO$1,151$95.92

Cheap Auto Insurance in Texas For 25-Year-Old Drivers With a DUI

25-year-olds with a DUI have these options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
Farmers$1,151$95.92
USAA$1,246$103.83
Esurance$1,272$106.00
State Farm$1,686$140.50
AAA$1,702$141.83

Cheap Car Insurance in Texas For 25-Year-Old Drivers With One At-Fault Accident

Farmers and State Farm have the least expensive car insurance yearly and monthly costs for 25-year-old drivers in TX with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
Farmers$1,081$90.08
State Farm$1,184$98.67
USAA$1,323$110.25
GEICO$1,385$115.42
AAA$1,604$133.67

Cheapest Car Insurance For 28-Year-Old Drivers in Texas

By 28 years old your monthly payments on auto insurance in TX will be a lot less compared to what they would have as an 18-year-old. The lower the monthly and annual cost, the more money you can save!

Cheapest Full Coverage Car Insurance For 28-Year-Old Texas Drivers

USAA and Farmers offers cheap full coverage auto insurance in TX for 28-year-olds.

Insurance CompanyAnnual RateMonthly Rate
Farmers$674$56.17
USAA$704$58.67
State Farm$838$69.83
GEICO$867$72.25
Allstate$924$77.00

Cheapest Minimum Coverage Car Insurance in Texas For 28-Year-Old Drivers

28-year-olds in TX looking for cheap minimum coverage auto insurance should use either Farmers or USAA.

Insurance CompanyAnnual RateMonthly Rate
Farmers$633$52.75
USAA$639$53.25
State Farm$746$62.17
GEICO$796$66.33
AAA$849$70.75

Cheap Auto Insurance For 28-Year-Old Texas Drivers With Poor Credit

Farmers offer low annual and monthly rates for 28-year-old TX drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
Farmers$1,228$102.33
USAA$1,283$106.92
State Farm$1,528$127.33
GEICO$1,580$131.67
Allstate$1,684$140.33

Cheap Car Insurance For 28-Year-Old Texas Drivers With a Speeding Ticket

Here are insurance companies offering the least expensive car insurance for 28-year-old TX drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$795$66.25
State Farm$838$69.83
Farmers$881$73.42
Allstate$924$77.00
GEICO$998$83.17

Cheap Auto Insurance in Texas For 28-Year-Old Drivers With a DUI

Farmers offer cheap and affordable car insurance prices for 28-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Farmers$998$83.17
USAA$1,081$90.08
Esurance$1,104$92.00
State Farm$1,463$121.92
AAA$1,476$123.00

Cheap Car Insurance in Texas For 28-Year-Old Drivers With One At-Fault Accident

28-year-old drivers in TX with one at-fault accident can use either Farmers or State Farm for cheap auto insurance.

Insurance CompanyAnnual RateMonthly Rate
Farmers$938$78.17
State Farm$1,027$85.58
USAA$1,148$95.67
GEICO$1,202$100.17
AAA$1,392$116.00

Cheapest Car Insurance For 30-Year-Old Drivers in Texas

Texas auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.

Cheapest Full Coverage Car Insurance For 30-Year-Old Texas Drivers

Here are the cheapest car insurance options for 30-year-olds in TX that want to be fully covered:

Insurance CompanyAnnual RateMonthly Rate
Farmers$571$47.58
USAA$597$49.75
State Farm$711$59.25
GEICO$735$61.25
Allstate$783$65.25

Cheapest Minimum Coverage Car Insurance in Texas For 30-Year-Old Drivers

Farmers has the cheapest auto insurance rates for 30-year-olds in TX that want minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
Farmers$537$44.75
USAA$542$45.17
State Farm$633$52.75
GEICO$675$56.25
AAA$720$60.00

Cheap Auto Insurance For 30-Year-Old Texas Drivers With Poor Credit

USAA and Farmers have the least expensive annual and monthly rates for 30-year-old TX drivers with poor credit.

Insurance CompanyAnnual RateMonthly Rate
Farmers$1,040$86.67
USAA$1,086$90.50
State Farm$1,293$107.75
GEICO$1,337$111.42
Allstate$1,426$118.83

Cheap Car Insurance For 30-Year-Old Texas Drivers With a Speeding Ticket

Check out these TX insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$674$56.17
State Farm$711$59.25
Farmers$746$62.17
Allstate$783$65.25
GEICO$846$70.50

Cheap Auto Insurance in Texas For 30-Year-Old Drivers With a DUI

Farmers has the cheapest auto insurance prices for TX 30-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Farmers$846$70.50
USAA$916$76.33
Esurance$935$77.92
State Farm$1,240$103.33
AAA$1,251$104.25

Cheap Car Insurance in Texas For 30-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in TX with one accident on record:

Insurance CompanyAnnual RateMonthly Rate
Farmers$795$66.25
State Farm$870$72.50
USAA$973$81.08
GEICO$1,019$84.92
AAA$1,180$98.33

Cheapest Car Insurance For Texas Drivers Over 65 Years Old

Auto insurance prices in TX will vary depending on what you’re looking for and what your situation is as a 65-year-old driver.

Cheapest Full Coverage Car Insurance For Texas Drivers Over 65 Years Old

The cheapest full coverage auto insurance for TX drivers over 65 years old is Farmers and State Farm.

Insurance CompanyAnnual RateMonthly Rate
Farmers$629$52.42
State Farm$700$58.33
USAA$716$59.67
Allstate$858$71.50
GEICO$859$71.58

Cheapest Minimum Coverage Car Insurance in Texas For Drivers Over The Age of 65

Here are all your options for getting cheap car insurance with minimum coverage in TX when you’re over 65 years old:

Insurance CompanyAnnual RateMonthly Rate
Farmers$593$49.42
State Farm$622$51.83
USAA$652$54.33
GEICO$787$65.58
Allstate$804$67.00

Cheap Auto Insurance For Texas Drivers Over 65 Years Old With Poor Credit

If you have poor credit in TX and are over 65 years old, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
Farmers$1,144$95.33
State Farm$1,275$106.25
USAA$1,303$108.58
Allstate$1,561$130.08
GEICO$1,563$130.25

Cheap Car Insurance For Texas Drivers Over 65 Years Old With a Speeding Ticket

If you have a speeding ticket and are over the age of 65, here are your options in TX:

Insurance CompanyAnnual RateMonthly Rate
State Farm$700$58.33
Farmers$790$65.83
USAA$809$67.42
Allstate$858$71.50
GEICO$994$82.83

Cheap Auto Insurance in Texas For Drivers Over The Age of 65 With a DUI

Farmers and USAA has the least expensive auto insurance for TX drivers over 65 years old with a DUI:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,114$92.83
Farmers$1,146$95.50
Esurance$1,174$97.83
State Farm$1,228$102.33
AAA$1,402$116.83

Cheap Car Insurance in Texas For Drivers Over 65 Years Old With One At-Fault Accident

If you don’t want to spend a lot on auto insurance but are over the age of 65 and have an accident on record, these are your options:

Insurance CompanyAnnual RateMonthly Rate
State Farm$859$71.58
Farmers$1,065$88.75
GEICO$1,236$103.00
USAA$1,314$109.50
AAA$1,328$110.67

Texas Minimum Auto Insurance Requirements

The state of Texas has a list of requirements for the minimum amount of auto insurance a driver can have.

These requirements include:

  1. At a minimum; insured for $30,000 bodily injury and property damage liability per person.
  2. In the event of a crash, $60,000 needs to be insured for bodily injury to others.
  3. A total of $25,000 per crash for property damage caused by the vehicle.
  4. $2,500 per person for personal injury protection.

Methodology For Choosing Cheapest Texas Auto Insurance

We compared rates from Texas auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).

Other stats used for the calculated rates include:

Bodily Injury Coverage: $50,000

Overall Coverage: $100,000

Property Damage Coverage: $50,000

Age: 35 years old

Vehicle: 2020 Sedan

Number of Incidents: 0

Credit Score: Good (690-719)

Comprehensive and Collision Coverage: None

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