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Best Car Insurance Rates in Texas (2019)
Find the Cheapest Auto Insurance Quotes in Your Area
ValuePenguin analyzed car insurance quotes in 78 cities in Texas from 11 companies to identify the cheapest insurers and rates in the state. Our analysis showed a wide range in costs from company to company.
For example, in Houston, the difference between the cheapest and the most expensive company was $696 a year. This is why to get the right rates, consumers should shop around. Enter your zip code above now to start shopping for great auto rates in your area among the top U.S. insurers, or read more by clicking directly on each section below.
Cheap Car Insurance Companies in Texas
To identify the cheapest companies, we reviewed auto liability insurance quotes for a sample driver in Texas and then ranked them based on their average car insurance rate across 78 cities. Here are the five companies with the cheapest auto insurance in Texas:
Find the Cheapest Auto Insurance Quotes in Your Area
The cheapest car insurance companies in Texas are Texas Farm Bureau, GEICO, Progressive, State Farm, and Mercury. Overall, Texas Farm Bureau had the best rates, but it does require a membership fee.
Here are the average rates across 78 cities for our sample driver, a thirty year old single male with a clean driving record. While your actual quotes will depend on where you live and park your car, as well as how you’ve driven, these companies are a good place to start finding low cost insurance. The same driver will get different quotes from different companies. Comparing quotes from at least three companies is the best way to get good rates. Start by entering your zip code below to see what top US insurers are covering your area.
|Texas Farm Bureau||$1,210|
Cheap Car Insurance in Texas: by City
We analyzed auto liability insurance rates in each city to identify the top three insurers with the lowest rates. In the table below, we’ve prepared a list of 78 largest cities in Texas along with the city’s three lowest cost insurers and average annual premiums to give drivers a sense of costs. Rates are averaged for a single 30 year old with a good credit score and driving history.
Note that USAA ranked in the first or second spot in almost all cities, but we’ve excluded them from this table because the company only serves military and affiliated members. Below is also a deeper dive by the largest cities of the most affordable insurers by age and marital status to give drivers a further idea of the going rates for auto insurance. We’ve excluded USAA from the city specific tables as well.
|Allen||Texas Farm Bureau||$1,032|
|Alvin||Texas Farm Bureau||$1,200|
|Amarillo||Texas Farm Bureau||$1,320|
|Arlington||Texas Farm Bureau||$1,248|
|Austin||Texas Farm Bureau||$1,044|
|Baytown||Texas Farm Bureau||$1,284|
|Bedford||Texas Farm Bureau||$1,020|
|Burleson||Texas Farm Bureau||$1,128|
|Texas Farm Bureau||$1,524|
|Cedar Hill||Texas Farm Bureau||$1,224|
|Cedar Park||Texas Farm Bureau||$1,068|
|College Station||Texas Farm Bureau||$960|
|Converse||Texas Farm Bureau||$924|
|Coppell||Texas Farm Bureau||$1,032|
|Texas Farm Bureau||$1,164|
|Cypress||Texas Farm Bureau||$1,236|
|Texas Farm Bureau||$1,464|
|Texas Farm Bureau||$1,176|
|Denton||Texas Farm Bureau||$984|
|Desoto||Texas Farm Bureau||$1,200|
|Dickinson||Texas Farm Bureau||$1,140|
|Texas Farm Bureau||$1,260|
|El Paso||Texas Farm Bureau||$1,248|
|Texas Farm Bureau||$1,308|
|Flower Mound||Texas Farm Bureau||$924|
|Fort Worth||Texas Farm Bureau||$960|
|Friendswood||Texas Farm Bureau||$1,104|
|Texas Farm Bureau||$1,440|
|Garland||Texas Farm Bureau||$1,140|
|Grand Prairie||Texas Farm Bureau||$1,308|
|Grapevine||Texas Farm Bureau||$1,020|
|Texas Farm Bureau||$1,224|
|Houston||Texas Farm Bureau||$1,284|
|Humble||Texas Farm Bureau||$1,104|
|Texas Farm Bureau||$1,464|
|Katy||Texas Farm Bureau||$1,284|
|Keller||Texas Farm Bureau||$1,188|
|Kerrville||Texas Farm Bureau||$948|
|Killeen||Texas Farm Bureau||$984|
|Kingwood||Texas Farm Bureau||$1,284|
|Kyle||Texas Farm Bureau||$1,140|
|La Porte||Texas Farm Bureau||$1,176|
|Texas Farm Bureau||$1,536|
|League City||Texas Farm Bureau||$1,080|
|Leander||Texas Farm Bureau||$1,068|
|Texas Farm Bureau||$1,368|
|Lubbock||Texas Farm Bureau||$1,116|
|Texas Farm Bureau||$1,296|
|Mckinney||Texas Farm Bureau||$1,212|
|Mesquite||Texas Farm Bureau||$1,332|
|Missouri City||Texas Farm Bureau||$1,092|
|New Braunfels||Texas Farm Bureau||$864|
|North Richland Hills||Texas Farm Bureau||$960|
|Odessa||Texas Farm Bureau||$1,212|
|Pearland||Texas Farm Bureau||$1,056|
|Pflugerville||Texas Farm Bureau||$1,104|
|Plano||Texas Farm Bureau||$1,032|
|Texas Farm Bureau||$1,392|
|Richardson||Texas Farm Bureau||$1,200|
|Richmond||Texas Farm Bureau||$1,092|
|Round Rock||Texas Farm Bureau||$984|
|Texas Farm Bureau||$1,368|
|Texas Farm Bureau||$1,428|
|San Marcos||Texas Farm Bureau||$960|
|Seguin||Texas Farm Bureau||$1,008|
|Spring||Texas Farm Bureau||$1,176|
|Sugar Land||Texas Farm Bureau||$1,092|
|Texas Farm Bureau||$1,368|
|Tomball||Texas Farm Bureau||$1,236|
|Tyler||Texas Farm Bureau||$1,080|
|Texas Farm Bureau||$1,080|
|Waxahachie||Texas Farm Bureau||$1,116|
|Texas Farm Bureau||$1,368|
|Texas Farm Bureau||$1,320|
Policies in the Big D cost on average $2,457, but you can still save with cheap car insurance in Dallas if you know where to look. Start with Progressive, Texas Farm Bureau, and State Farm – the three cheapest insurers in Dallas based on our study. Quotes from these three companies are about 39% less than the Dallas composite.
Our research found that paying for car insurance in Houston can cost $2,881 per year, making it the most expensive city in our study of Texas auto insurance. Houstonians can potentially save money by considering Texas Farm Bureau, Progressive, and State Farm. These three companies’ rates are 34-51% less than the average Houston auto insurance rate, according to our study.
Which companies have the cheapest auto insurance rates in Austin, Texas? We suggest 30 year old drivers in Austin compare quotes starting at Texas Farm Bureau, Progressive, and GEICO. Auto insurance in Austin can cost drivers $2,191 a year, which is about 6% less than average in the Lone Star state. These three companies, however, have car insurance rates 44% less than the Austin average.
San Antonio, TX
In San Antonio, we have Progressive and Texas Farm Bureau standing out as having the lowest auto insurance rates, with State not far behind. On average, it costs about $2,348 to insure your car in the Alamo City, about 7% more than the the state average.
El Paso, TX
It costs just $2,239 a year to insure a car in a town that has been named one of the Happiest Cities to Work In as well as one of America’s Safest Cities. Annual car insurance premiums in El Paso are 8% cheaper than the state average. Keep Texas Farm Bureau and Progressive in mind if you’re looking to save on auto insurance in El Paso, as these companies provided the cheapest quotes for our profile driver.
Best Auto Insurance Companies in Texas
To find the best insurers in Texas, we’ll be looking at the companies with the fewest complaints compared to their competitors. These are thirty of Texas’s largest auto insurance companies, and are ranked based on their complaint index, which measures how many valid complaints the company gets compared to the average insurer. An index of 1.00 is average, and a number below 1, such as State Farm County’s index, is better (gets fewer complaints than the average company).
The best car insurance companies in Texas with the fewest complaints are the Hartford, State Farm, and Germania Insurance. The cheapest companies in our study, Foremost County Mutual, Allstate, and USAA, had lower than average complaints as well.
Average Cost of Car Insurance in Texas
How much do people pay on average for car insurance in the state of Texas? $2,330, according to our data. Going into this number are rates for 78 cities in the Lone Star State for a thirty year old single male driver with a good driving history and credit score.
Texas Auto Insurance Rate Increases
Across the ten largest car insurance companies in Texas, rate changes in 2018 have amounted to a net increase of only 1% in auto insurance rates. This is good news for Texas drivers considering the average year-over-year rate increase across these companies from 2013 to 2018 was 5.2%, and in 2017 alone they raised rates by 9.2%.
Auto Insurance Company
Companies raise rates for a number of reasons, one of which is to account for greater losses—which is represented by a loss ratio (which is the ratio of losses paid out to earned premiums). Common reasons for increased car insurance losses are more frequent accidents, costlier car repairs or natural disasters.
Auto Insurance in Texas: Minimum Liability Insurance Requirements
The absolute minimum you can have on a basic car insurance policy in Texas is liability protection for the categories and limits below. Other types of coverage such as collision and comprehensive, personal injury protection or medical payments coverage, and uninsured motorist coverage are optional in Texas.
- Bodily Injury (BI) Liability Insurance: $30,000 per person/$60,000 per accident
- Property Damage (PD) Liability Insurance: $25,000 per accident
We always advise drivers to purchase as much coverage as they have in assets to protect themselves. That’s because if you’re involved in a serious car accident, your insurer will only cover you up to the amounts on your policy. Any medical bills or car repair costs that exceed your car insurance limits, you would be on the hook for.
That’s true whether you live in Houston, which the Texas Department of Transportation recently reported had 67,000 car crashes, or Adrian, which reported just one this past year.
Methodology & Assumptions
Average rates are for illustrative purposes, as individual quotes will differ based on driving history, coverage sought, vehicle type, and other factors.
Data was obtained from the Texas Department of Insurance for a thirty year old single male driver across 78 cities. He owns his car and uses it primarily for work purposes, averaging about 12,000 miles annually. Insurance policies include Texas’s minimum auto insurance liability requirements: $30,000 for bodily injury liability per person (up to $60,000 per accident), and $25,000 of property damage (30/60/25 coverage) liability insurance, 50/100/50, as well as 100/300/100. Car insurance costs are based on a 2011 Toyota Camry four-door sedan, with 2.5 liter/4 cylinder engine.
Comments and Questions
Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.
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