Texas Car Insurance Rates in 2023

With an average monthly premium of $81 for full coverage, Redpoint County Mutual has the cheapest auto insurance in Texas.

You’ve come to the perfect site if you’re searching for low-cost vehicle insurance in Texas. Finding inexpensive vehicle insurance isn’t always straightforward, so we’ve done the legwork for you by filtering down the best deals in Texas.

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Have your rates risen? In Texas, car insurance costs are rising. receive quotations from three or more organizations to ensure you receive the best deal possible.

According to the most current review of full coverage car insurance prices in Texas, the cheapest auto insurance company in Texas is Redpoint County Mutual, which charges $974 per year on average, or $81 per month. Meanwhile, full coverage auto insurance in Texas costs an average of $2,398 per year or roughly $200 per month.

The average cost of minimum coverage in Texas is $774 per year, however, we discovered that you may probably find cheaper insurance. State Farm, for example, has the lowest rates in Texas, averaging $396 a year for minimum coverage car insurance for a 35-year-old motorist with a clean driving record.

Continue reading to learn about the cheapest vehicle insurance in Texas for different ages and driving histories, as well as the state-mandated minimum liability insurance needs. Check out our list of the finest car insurance in Texas if you’re seeking top-tier vehicle coverage.

How do we choose the lowest Texas firms?

Our editorial team analyzed car insurance rates from 20 Texas auto insurers and listed the five cheapest options for drivers in various age brackets and with various histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect Texas’s minimum requirements. We utilized the following coverage limitations for complete coverage:

  • Each individual is subject to a $100,000 bodily harm liability.
  • Bodily injury liability of $300,000 per accident.
  • Property damage liability of $50,000 per accident.
  • Uninsured motorist coverage of $100,000 per person.
  • Uninsured motorist coverage of $300,000 per accident.
  • Collision protection with a $1,000 deductible.
  • All-inclusive coverage with a $1,000 deductible.

Texas vehicle insurance for 20-year-olds is affordable.

Drivers in their twenties may need to receive many quotations in order to get the most affordable car insurance. Prices might be sky-high for early 20-somethings, but they tend to fall as drivers get more driving experience. Still, some firms offer cheaper insurance prices for young drivers on a regular basis, so it’s wise to search around to locate them.

The most affordable full-coverage vehicle insurance in Texas for 20-year-olds

Texas drivers with clean driving histories may pick the following firms, which had the lowest average rates:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Texas Farm Bureau: $2,211 per year (about $184 per month).
  • Auto Club of Southern California: $2,997 per year, or around $250 per month.
  • Geico: $3,281 per year, or about $273 every month.
  • State Farm: $3,352 per year, or about $279 each month. 

Texas’s cheapest basic coverage vehicle insurance for 20-year-olds

Drivers in Texas who want just the state’s minimal coverage should look into the following providers, who had the lowest average rates:

  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • Texas Farm Bureau: $834 per year (about $70 per month).
  • Auto Club of Southern California: $1,094 per year, or around $91 per month.
  • Geico: $1,146 per year, or around $96 per month.
  • State Farm: $1,184 per year, or around $99 each month. 

Texas vehicle insurance for 20-year-olds with bad credit is the cheapest in the state.

Drivers with bad credit in Texas can choose the insurance with the lowest average prices for minimal coverage:

  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • Texas Farm Bureau: $1,480 per year (about $123 per month).
  • Auto Club of Southern California: $1,699 per year, or around $142 per month.
  • Geico: $1,732 per year, or around $144 every month.
  • Dairyland: $1,743 per year, or about $145 per month. 

Texas vehicle insurance is the most affordable for 20-year-old drivers with one speeding citation.

Here are the businesses with the lowest average rates for minimal coverage for drivers with a recent speeding citation in Texas:

  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • Texas Farm Bureau: $834 per year (about $70 per month).
  • Geico: $1,183 per year, or around $99 each month.
  • Germania costs $1,283 per year, or around $107 per month.
  • State Farm: $1,337 per year, or about $111 each month. 

Texas car insurance is the cheapest for 20-year-old drivers with one at-fault accident.

Here are the businesses with the lowest average rates for minimal coverage for Texas drivers who have recently been in an accident:

  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • Texas Farm Bureau: $1,295 per year (about $108 per month).
  • State Farm: $1,477 per year, or about $123 each month.
  • Geico: $1,524 per year, or around $127 every month.
  • Germania costs $1,572 per year, or around $131 per month. 

After a DUI, the cheapest car insurance in Texas for 20-year-old drivers

The lowest vehicle insurance we discovered after a DUI is given below, along with the average prices for minimal coverage from the insurers.

  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • Dairyland: $1,427 per year, or about $119 per month.
  • Geico: $1,488 per year, or around $124 every month.
  • Auto Club of Southern California: $1,835 per year, or around $153 per month.
  • State Farm: $1,842 per year, or around $154 each month. 

Texas vehicle insurance for 30-year-olds is affordable.

Most drivers will have lower auto insurance premiums in their 30s than they had in their teens and 20s. However, variables such as a person’s driving record and automobile type and model might cause costs to rise. Drivers in their 30s may save money on vehicle insurance by shopping around and taking advantage of any available discounts.

The most affordable full-coverage vehicle insurance in Texas for 30-year-olds

These firms may provide the best prices to Texas drivers with clean driving records:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • State Farm: $1,410 per year, or about $118 each month.
  • Republic Group: $1,431 per year (about $119 per month).
  • Texas Farm Bureau: $1,509 per year (about $126 per month).
  • Auto Club of Southern California: $1,633 per year, or around $136 per month. 

Texas’s cheapest basic coverage vehicle insurance for 30-year-olds

Texas drivers seeking the state’s minimal coverage should contact the following firms, who had the lowest average rates:

  • State Farm: $399 per year, or around $33 each month.
  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • Texas Farm Bureau: $525 per year (about $44 per month).
  • Auto Club of Southern California: $550 per year, or around $46 per month.
  • Geico: $603 per year, or around $50 each month. 

Texas vehicle insurance for 30-year-olds with bad credit is the cheapest in the state.

Texas drivers with bad credit can look into the following providers, which have the lowest average prices for complete coverage:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $2,525 per year (about $210 per month).
  • Auto Club of Southern California: $2,536 per year, or around $211 per month.
  • Texas Farm Bureau: $2,820 per year (about $235 per month).
  • Geico: $2,936 per year, or about $245 each month. 

Texas vehicle insurance is the most affordable for 30-year-old drivers with one speeding citation.

Here are the businesses with the lowest average rates for minimal coverage for drivers with a recent speeding citation in Texas:

  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • State Farm: $461 per year, or around $38 per month.
  • Texas Farm Bureau: $525 per year (about $44 per month).
  • Germania: $609 per year, or about $51 per month.
  • Geico: $642 per year, or around $54 per month. 

Texas car insurance is the cheapest for 30-year-old drivers with one at-fault accident.

Here are the lowest average rate alternatives for full coverage for drivers in Texas who have recently been in an accident:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • State Farm: $1,720 per year, or around $143 each month.
  • Republic Group: $2,050 per year (about $171 per month).
  • Germania costs $2,385 per year, or around $199 per month.
  • Texas Farm Bureau: $2,386 per year (about $199 per month). 

After a DUI, the cheapest vehicle insurance in Texas for 30-year-old drivers is in Texas.

We discovered the following full coverage choices for the lowest vehicle insurance after a DUI.

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $1,799 per year (about $150 per month).
  • State Farm: $2,117 per year, or about $176 each month.
  • Auto Club of Southern California: $2,524 per year, or around $210 per month.
  • Geico: $2,602 per year, or about $217 every month. 

Texas vehicle insurance for 40-year-olds is affordable.

On average, drivers in their 40s have lower insurance premiums than their younger colleagues, but they still pay more than older age groups. The easiest approach to obtain reduced rates is to shop around for cheap auto insurance quotes from several providers. Good drivers who don’t drive much may want to explore pay-per-mile insurance, which costs drivers based on the number of miles they travel.

The most affordable full-coverage vehicle insurance in Texas for 40-year-olds

Texas drivers with clean driving histories may choose the following firms, which had the lowest average rates:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $1,365 per year (about $114 per month).
  • State Farm: $1,376 per year, or around $115 per month.
  • Texas Farm Bureau: $1,451 per year (about $121 per month).
  • Auto Club of Southern California: $1,583 per year, or around $132 per month. 

Texas’s cheapest basic coverage vehicle insurance for 40-year-olds

Drivers in Texas looking for the bare minimum of coverage may look into the following firms, which had the lowest average rates:

  • State Farm: $404 per year, or around $34 per month.
  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • Texas Farm Bureau membership is $494 per year, or roughly $41 per month.
  • Germania: $542 per year, or about $45 per month.
  • Auto Club of Southern California: $543 per year, or around $45 per month. 

Texas vehicle insurance for 40-year-olds with bad credit is the cheapest in the state.

Drivers with bad credit in Texas might choose the following insurers, which have the lowest average prices for complete coverage:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $2,414 per year (about $201 per month).
  • Auto Club of Southern California: $2,460 per year, or around $205 per month.
  • Texas Farm Bureau: $2,719 per year (about $227 per month).
  • Geico: $2,898 per year, or around $242 each month. 

Texas vehicle insurance is the most affordable for 40-year-old drivers with one speeding citation.

Here are the businesses with the lowest average rates for minimal coverage for drivers with a recent speeding citation in Texas:

  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • State Farm: $467 per year, or around $39 each month.
  • Texas Farm Bureau membership is $494 per year, or roughly $41 per month.
  • Germania: $542 per year, or about $45 per month.
  • Geico: $636 per year, or around $53 per month. 

Texas car insurance is the cheapest for 40-year-old drivers with one at-fault accident.

For drivers in Texas who have recently been in an accident, the following providers have the lowest average rates for full coverage:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • State Farm: $1,682 per year, or around $140 per month.
  • Republic Group: $1,964 per year (about $164 per month).
  • Germania costs $2,248 per year, or around $187 per month.
  • Texas Farm Bureau: $2,295 per year, which works out to around $191 per month. 

After a DUI, the cheapest car insurance in Texas for 40-year-old drivers

The following businesses have the lowest full coverage vehicle insurance for DUI drivers that we identified.

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $1,733 per year (about $144 per month).
  • State Farm: $2,074 per year, or about $173 each month.
  • Dairyland: $2,412 per year, or about $201 per month.
  • Auto Club of Southern California: $2,452 per year, or around $204 per month. 

Cheap auto insurance in Texas for those over 50

On average, drivers in their 50s pay less for auto insurance than most other age groups. Prices will continue to fall when people reach their 60s and acquire driving expertise. Rates may still vary based on other criteria like a driver’s gender and region, so it’s a good idea to shop around for the best deal. Our list of low-cost vehicle insurance providers is a wonderful place to start.

Cheapest full coverage auto insurance in Texas for those over 50

Texas drivers with clean driving histories may choose to get estimates from the following insurers, which had the lowest average rates:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $1,226 per year (about $102 per month).
  • State Farm: $1,329 per year, or about $111 each month.
  • Texas Farm Bureau: $1,409 per year (about $117 per month).
  • Auto Club of Southern California: $1,548 per year, or around $129 per month. 

Texas’s cheapest basic coverage vehicle insurance for 50-year-olds

Drivers in Texas who choose the state minimal coverage should look into the following firms, who have the lowest average rates:

  • State Farm: $397 per year, or around $33 each month.
  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • Germania: $478 per year, or about $40 per month.
  • Texas Farm Bureau: $487 per year (about $41 per month).
  • Auto Club of Southern California: $536 per year, or around $45 per month. 

Cheapest vehicle insurance in Texas for those over 50 with bad credit.

Drivers with bad credit in Texas should contact the following providers, who had the lowest average prices for complete coverage:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $2,165 per year (about $180 per month).
  • Auto Club of Southern California: $2,404 per year, or around $200 per month.
  • Texas Farm Bureau: $2,637 per year (about $220 per month).
  • Geico: $2,661 per year, or around $222 each month. 

Texas vehicle insurance is the most affordable for 50-year-old drivers with one speeding citation.

Here are the businesses with the lowest average rates for minimal coverage for drivers with a recent speeding citation in Texas:

  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • State Farm: $459 per year, or around $38 per month.
  • Germania: $478 per year, or about $40 per month.
  • Texas Farm Bureau: $487 per year (about $41 per month).
  • Allstate: $560 per year, or about $47 per month. 

Texas car insurance is the cheapest for 50-year-old drivers with one at-fault accident.

Here are the insurers with the lowest average full coverage rates for Texas drivers who have recently been in an accident:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • State Farm: $1,628 per year, or about $136 each month.
  • Republic Group: $1,786 per year (about $149 per month).
  • Germania costs $2,086 per year, or around $174 per month.
  • Texas Farm Bureau: $2,297 per year, which works out to around $191 each month. 
  • After a DUI, the cheapest car insurance in Texas for 50-year-old drivers

The following businesses provide the lowest vehicle insurance for drivers with a recent DUI, including prices for full coverage.

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $1,594 per year (about $133 per month).
  • State Farm: $2,015 per year, or about $168 each month.
  • Dairyland: $2,222 per year, or about $185 per month.
  • Geico: $2,352 per year, or about $196 each month. 

Cheap auto insurance in Texas for those over 60

Although 60-year-olds have lower average auto insurance premiums than many other age groups, costs will begin to rise as they become older. Drivers in their 60s should look around for the lowest cost on affordable auto insurance for seniors. Drivers in this age bracket should also take advantage of any senior citizen discounts that are offered.

Cheapest full coverage auto insurance in Texas for those over 60

Drivers in Texas with clean driving histories can consider receiving quotes from the following firms, which had the lowest average rates:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $1,194 per year (about $100 per month).
  • Texas Farm Bureau: $1,205 per year (about $100 per month).
  • State Farm: $1,254 per year, or about $104 each month.
  • Auto Club of Southern California: $1,479 per year, or around $123 per month. 

Texas minimum coverage vehicle insurance for 60-year-olds is the most affordable.

Drivers in Texas seeking just the state minimum coverage should contact the following insurers, who had the lowest average rates:

  • State Farm: $378 per year, or around $32 per month.
  • Texas Farm Bureau: $429 per year, or about $36 per month.
  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • Germania: $473 per year, or about $39 per month.
  • Auto Club of Southern California: $535 per year, or around $45 per month. 

Cheapest vehicle insurance in Texas for those over 60 with bad credit.

Drivers with bad credit in Texas can choose the following providers, who offer the lowest average prices for complete coverage:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $2,117 per year (about $176 per month).
  • Texas Farm Bureau: $2,247 per year (about $187 per month).
  • Auto Club of Southern California: $2,298 per year, or around $192 per month.
  • Geico: $2,655 per year, or about $221 each month. 

Texas vehicle insurance is the most affordable for 60-year-old drivers with one speeding citation.

Here are the businesses with the lowest average rates for minimal coverage for drivers with a recent speeding citation in Texas:

  • Texas Farm Bureau: $429 per year, or about $36 per month.
  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • State Farm: $438 per year, or around $36 per month.
  • Germania: $473 per year, or about $39 per month.
  • Allstate: $541 per year, or around $45 each month. 

Texas vehicle insurance is the cheapest for 60-year-old drivers with one at-fault accident.

For drivers in Texas who have recently been in an accident, the following providers have the lowest average rates for full coverage:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • State Farm: $1,539 per year, or around $128 each month.
  • Republic Group: $1,742 per year (about $145 per month).
  • Texas Farm Bureau: $1,971 per year (about $164 per month).
  • Germania costs $2,079 per year, or around $173 per month. 

After a DUI, the cheapest car insurance in Texas for 60-year-old drivers

The following businesses provided the lowest vehicle insurance after a DUI, along with their typical prices for full coverage.

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $1,561 per year (about $130 per month).
  • State Farm: $1,914 per year, or around $160 per month.
  • Dairyland: $2,070 per year, or about $172 per month.
  • Auto Club of Southern California: $2,299 per year, or around $192 per month. 

Cheap auto insurance in Texas for those over the age of 70

Car insurance rates for 70-year-old drivers may begin to climb. Shop around and compare quotes from different insurance providers to obtain the best deal. Look for insurers that provide senior discounts. Some insurers, for example, provide discounts to elderly drivers who complete a defensive driving course.

Cheapest full-coverage auto insurance in Texas for those over the age of 70

Drivers in Texas with clean driving histories can consider receiving quotes from the following firms, which had the lowest average rates:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Texas Farm Bureau: $1,187 per year (about $99 per month).
  • Republic Group: $1,278 per year (about $106 per month).
  • State Farm: $1,298 per year, or around $108 each month.
  • Auto Club of Southern California: $1,626 per year, or around $136 per month. 

Texas’s cheapest basic coverage vehicle insurance for 70-year-olds

Drivers in Texas seeking just the state minimum coverage should contact the following insurers, who had the lowest average rates:

  • State Farm: $403 per year, or around $34 per month.
  • Texas Farm Bureau: $429 per year, or about $36 per month.
  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • Germania: $575 per year, or about $48 per month.
  • Republic Group: $615 per year (about $51 per month). 

Cheapest vehicle insurance in Texas for those over 70 with bad credit.

Drivers with bad credit in Texas can choose the following providers, who offer the lowest average prices for complete coverage:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Texas Farm Bureau: $2,211 per year (about $184 per month).
  • Republic Group: $2,286 per year (about $190 per month).
  • Auto Club of Southern California: $2,527 per year, or around $211 per month.
  • Dairyland: $2,798 per year, or about $233 per month. 

Texas vehicle insurance is the most affordable for 70-year-old drivers with one speeding ticket.

Here are the businesses with the lowest average rates for minimal coverage for drivers with a recent speeding citation in Texas:

  • Texas Farm Bureau: $429 per year, or about $36 per month.
  • Redpoint County Mutual: $429 per year, or about $36 per month.
  • State Farm: $466 per year, or around $39 each month.
  • Germania: $575 per year, or about $48 per month.
  • Republic Group: $674 per year (about $56 per month). 

Texas vehicle insurance is the cheapest for 70-year-old drivers with one at-fault accident.

For drivers in Texas who have recently been in an accident, the following providers have the lowest average rates for full coverage:

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • State Farm: $1,596 per year, or around $133 each month.
  • Republic Group: $1,845 per year (about $154 per month).
  • Texas Farm Bureau: $2,005, or about $167 per month.
  • Germania costs $2,399 per year, or around $200 per month. 

After a DUI, the cheapest car insurance in Texas for 70-year-old drivers

The following businesses provided the lowest vehicle insurance after a DUI, along with their typical prices for full coverage.

  • Redpoint County Mutual Insurance: $974 per year, or about $81 per month.
  • Republic Group: $1,646 per year (about $137 per month).
  • State Farm: $1,987 per year, or around $166 each month.
  • Dairyland: $2,162 per year, or about $180 per month.
  • Auto Club of Southern California: $2,558 per year, or around $213 per month. 

Military families may get the cheapest vehicle insurance.

If you’re a current member of the military or a veteran — or have an immediate family member who is — chances are you’ll receive a good deal from USAA, which isn’t open to the general public.

Because of this limitation, USAA isn’t rated alongside the others, although it was one of the three cheapest car insurance alternatives for 57 of the 70 driver profiles we looked at.

MORE: Best auto insurance for veterans and military personnel

Texas’s minimum vehicle insurance requirements

Texas drivers are required to have liability insurance, with a few exceptions (see below). The minimal criteria are sometimes represented in shorthand as 30/60/25. This implies that in Texas, you must purchase at least:

  • Bodily injury/death liability coverage of $30,000 per person.
  • Bodily injury/death liability coverage of $60,000 per accident.
  • Property damage liability coverage of $25,000 per accident.

Liability auto insurance pays for any damage, injuries, or fatalities you cause in a car accident, according to the limits of your policy.

If you cause an accident, your liability insurance will pay for the treatment of others’ injuries and property damage up to your limits. It does not cover your personal injuries or car repairs.

In many circumstances, the mandatory minimum insurance will not cover the expenses of an accident. If you wreck someone’s fancy automobile, the repair expenses might easily surpass the $25,000 limit. Any damage that exceeds your limitations must be paid for out of your own money. As a result, most drivers should choose greater restrictions, such as 100/300/50.

Texas auto insurance options

If you’re having difficulties receiving insurance in Texas, consider contacting the Texas Automobile Insurance Plan Association. It may assist you in finding a business that will cover you.

There are legally permissible alternatives to proving your financial responsibility, such as:

  • Submitting a surety bond application to the Department of Public Safety. The bond must be filed jointly with at least two persons, known as “sureties,” who own property in the state. The bond property must be worth at least as much as the insurance levels required by the state’s minimum liability auto insurance regulations.
  • Making a $55,000 cash or securities deposit with the state comptroller.
  • Making a cash or cashier’s check deposit of $55,000 with the county judge where your car is registered.
  • Becoming eligible for a certificate of self-insurance from the Department of Public Safety. You agree to pay up to the same amount as required by minimum liability insurance if you cause an accident with one of your vehicles. This option is available if you own 25 or more automobiles.