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Cheap Auto Insurance in Texas β€” Compare & Save Up to 40%

Average Texas driver pays $215/mo for full coverage. The cheapest carrier is USAA at $143/mo. Compare 5+ companies in 90 seconds.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
πŸŽ–οΈ U.S. Military Veteran πŸ“‹ Licensed in 50 States πŸ• 15+ Years Experience πŸ“… Updated: April 10, 2026

Cheapest Auto Insurance Companies in Texas (2026)

We compared full coverage rates from the top auto insurance companies in Texas. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Insurance Company6-Month PremiumMonthly Cost
USAA ⭐$858$143/mo
GEICO$978$163/mo
Progressive$1,104$184/mo
State Farm$1,206$201/mo
Allstate$1,470$245/mo

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

Texas Auto Insurance at a Glance

$215
Avg. Monthly (Full Coverage)
$143
Cheapest Monthly Rate
30/60/25
Minimum Liability Limits
14%
Uninsured Driver Rate

πŸŽ–οΈ Compare Texas Auto Insurance Rates Now

One quick call. 5+ companies compared. Free, no-obligation quote from a licensed agent.

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What You Should Know About Texas Auto Insurance

For complete Texas auto insurance laws and requirements, visit the Texas Department of Insurance (TDI). For vehicle registration and licensing, visit the Texas DMV.

Full Coverage vs. Liability in Texas

Full coverage in Texas averages $215/month, while liability-only coverage averages $63/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 14% of Texas drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Texas Auto Insurance Guides

Explore specific auto insurance topics for Texas:

Auto Insurance Rates by City in Texas

Where you live in Texas significantly affects your premium. Click your city for local rate comparisons:

πŸ“ Houston, TX β€” $3,044/yrβ€Ί πŸ“ San Antonio, TX β€” $3,216/yrβ€Ί πŸ“ Dallas, TX β€” $3,177/yrβ€Ί πŸ“ Austin, TX β€” $2,994/yrβ€Ί πŸ“ Fort Worth, TX β€” $3,035/yrβ€Ί πŸ“ El Paso, TX β€” $2,927/yrβ€Ί πŸ“ Arlington, TX β€” $2,872/yrβ€Ί πŸ“ Corpus Christi, TX β€” $2,773/yrβ€Ί πŸ“ Plano, TX β€” $2,804/yrβ€Ί πŸ“ Lubbock, TX β€” $2,873/yrβ€Ί πŸ“ Irving, TX β€” $2,851/yrβ€Ί πŸ“ Laredo, TX β€” $2,762/yrβ€Ί πŸ“ Garland, TX β€” $2,789/yrβ€Ί πŸ“ Frisco, TX β€” $2,760/yrβ€Ί πŸ“ Amarillo, TX β€” $2,837/yrβ€Ί πŸ“ Grand Prairie, TX β€” $2,630/yrβ€Ί πŸ“ McKinney, TX β€” $2,605/yrβ€Ί πŸ“ Brownsville, TX β€” $2,583/yrβ€Ί πŸ“ Killeen, TX β€” $2,702/yrβ€Ί πŸ“ Pasadena, TX β€” $2,568/yrβ€Ί πŸ“ Mesquite, TX β€” $2,712/yrβ€Ί πŸ“ McAllen, TX β€” $2,578/yrβ€Ί πŸ“ Denton, TX β€” $2,733/yrβ€Ί πŸ“ Waco, TX β€” $2,703/yrβ€Ί πŸ“ Carrollton, TX β€” $2,706/yrβ€Ί πŸ“ Midland, TX β€” $2,617/yrβ€Ί πŸ“ Pearland, TX β€” $2,695/yrβ€Ί πŸ“ Abilene, TX β€” $2,584/yrβ€Ί πŸ“ College Station, TX β€” $2,688/yrβ€Ί πŸ“ Richardson, TX β€” $2,555/yrβ€Ί πŸ“ Round Rock, TX β€” $2,660/yrβ€Ί πŸ“ Beaumont, TX β€” $2,567/yrβ€Ί πŸ“ The Woodlands, TX β€” $2,655/yrβ€Ί πŸ“ Odessa, TX β€” $2,720/yrβ€Ί πŸ“ League City, TX β€” $2,604/yrβ€Ί πŸ“ Lewisville, TX β€” $2,555/yrβ€Ί πŸ“ Sugar Land, TX β€” $2,694/yrβ€Ί πŸ“ Tyler, TX β€” $2,690/yrβ€Ί πŸ“ Allen, TX β€” $2,614/yrβ€Ί πŸ“ Wichita Falls, TX β€” $2,701/yrβ€Ί πŸ“ Edinburg, TX β€” $2,689/yrβ€Ί πŸ“ San Angelo, TX β€” $2,441/yrβ€Ί πŸ“ New Braunfels, TX β€” $2,494/yrβ€Ί πŸ“ Conroe, TX β€” $2,498/yrβ€Ί πŸ“ Atascocita, TX β€” $2,487/yrβ€Ί πŸ“ Mission, TX β€” $2,505/yrβ€Ί πŸ“ Bryan, TX β€” $2,569/yrβ€Ί πŸ“ Baytown, TX β€” $2,438/yrβ€Ί πŸ“ Temple, TX β€” $2,510/yrβ€Ί πŸ“ Longview, TX β€” $2,578/yrβ€Ί πŸ“ Pharr, TX β€” $2,548/yrβ€Ί πŸ“ Cedar Park, TX β€” $2,529/yrβ€Ί πŸ“ Flower Mound, TX β€” $2,527/yrβ€Ί πŸ“ Missouri City, TX β€” $2,587/yrβ€Ί πŸ“ Mansfield, TX β€” $2,515/yrβ€Ί πŸ“ Harlingen, TX β€” $2,557/yrβ€Ί πŸ“ North Richland Hills, TX β€” $2,534/yrβ€Ί πŸ“ San Marcos, TX β€” $2,439/yrβ€Ί πŸ“ Georgetown, TX β€” $2,488/yrβ€Ί πŸ“ Victoria, TX β€” $2,489/yrβ€Ί πŸ“ Pflugerville, TX β€” $2,509/yrβ€Ί πŸ“ Spring, TX β€” $2,476/yrβ€Ί πŸ“ Rowlett, TX β€” $2,543/yrβ€Ί πŸ“ Euless, TX β€” $2,453/yrβ€Ί πŸ“ Leander, TX β€” $2,518/yrβ€Ί πŸ“ Wylie, TX β€” $2,573/yrβ€Ί πŸ“ DeSoto, TX β€” $2,442/yrβ€Ί πŸ“ Port Arthur, TX β€” $2,439/yrβ€Ί πŸ“ Galveston, TX β€” $2,446/yrβ€Ί πŸ“ Texas City, TX β€” $2,604/yrβ€Ί πŸ“ Grapevine, TX β€” $2,582/yrβ€Ί πŸ“ Bedford, TX β€” $2,433/yrβ€Ί πŸ“ Cedar Hill, TX β€” $2,441/yrβ€Ί πŸ“ Burleson, TX β€” $2,325/yrβ€Ί πŸ“ Rockwall, TX β€” $2,418/yrβ€Ί πŸ“ Little Elm, TX β€” $2,372/yrβ€Ί πŸ“ Haltom City, TX β€” $2,430/yrβ€Ί πŸ“ Huntsville, TX β€” $2,351/yrβ€Ί πŸ“ Keller, TX β€” $2,338/yrβ€Ί πŸ“ Kyle, TX β€” $2,395/yrβ€Ί πŸ“ Channelview, TX β€” $2,341/yrβ€Ί πŸ“ The Colony, TX β€” $2,406/yrβ€Ί πŸ“ Sherman, TX β€” $2,402/yrβ€Ί πŸ“ Coppell, TX β€” $2,423/yrβ€Ί πŸ“ Schertz, TX β€” $2,349/yrβ€Ί πŸ“ Lancaster, TX β€” $2,499/yrβ€Ί πŸ“ Friendswood, TX β€” $2,450/yrβ€Ί πŸ“ Waxahachie, TX β€” $2,451/yrβ€Ί πŸ“ Duncanville, TX β€” $2,452/yrβ€Ί πŸ“ Hurst, TX β€” $2,363/yrβ€Ί πŸ“ Weslaco, TX β€” $2,419/yrβ€Ί πŸ“ Rosenberg, TX β€” $2,485/yrβ€Ί πŸ“ Mission Bend, TX β€” $2,354/yrβ€Ί πŸ“ Copperas Cove, TX β€” $2,378/yrβ€Ί πŸ“ Texarkana, TX β€” $2,464/yrβ€Ί πŸ“ Farmers Branch, TX β€” $2,367/yrβ€Ί πŸ“ San Juan, TX β€” $2,326/yrβ€Ί πŸ“ Timberwood Park, TX β€” $2,367/yrβ€Ί πŸ“ Midlothian, TX β€” $2,461/yrβ€Ί πŸ“ La Porte, TX β€” $2,412/yrβ€Ί πŸ“ Del Rio, TX β€” $2,487/yrβ€Ί πŸ“ Deer Park, TX β€” $2,324/yrβ€Ί πŸ“ Socorro, TX β€” $2,348/yrβ€Ί πŸ“ Lufkin, TX β€” $2,412/yrβ€Ί πŸ“ West Odessa, TX β€” $2,419/yrβ€Ί πŸ“ Harker Heights, TX β€” $2,419/yrβ€Ί πŸ“ Cibolo, TX β€” $2,367/yrβ€Ί πŸ“ Nacogdoches, TX β€” $2,403/yrβ€Ί πŸ“ Cleburne, TX β€” $2,378/yrβ€Ί πŸ“ Southlake, TX β€” $2,391/yrβ€Ί πŸ“ Canyon Lake, TX β€” $2,339/yrβ€Ί πŸ“ Weatherford, TX β€” $2,431/yrβ€Ί πŸ“ Prosper, TX β€” $2,346/yrβ€Ί πŸ“ Seguin, TX β€” $2,464/yrβ€Ί πŸ“ Lake Jackson, TX β€” $2,429/yrβ€Ί πŸ“ Greenville, TX β€” $2,414/yrβ€Ί πŸ“ Eagle Pass, TX β€” $2,481/yrβ€Ί πŸ“ Balch Springs, TX β€” $2,432/yrβ€Ί πŸ“ Hutto, TX β€” $2,399/yrβ€Ί πŸ“ Converse, TX β€” $2,446/yrβ€Ί πŸ“ Sachse, TX β€” $2,382/yrβ€Ί πŸ“ Alvin, TX β€” $2,377/yrβ€Ί πŸ“ Big Spring, TX β€” $2,462/yrβ€Ί πŸ“ Colleyville, TX β€” $2,345/yrβ€Ί πŸ“ Kingsville, TX β€” $2,485/yrβ€Ί πŸ“ University Park, TX β€” $2,471/yrβ€Ί πŸ“ Corsicana, TX β€” $2,444/yrβ€Ί πŸ“ San Benito, TX β€” $2,215/yrβ€Ί πŸ“ Benbrook, TX β€” $2,233/yrβ€Ί πŸ“ Fresno, TX β€” $2,307/yrβ€Ί πŸ“ Denison, TX β€” $2,320/yrβ€Ί πŸ“ Paris, TX β€” $2,294/yrβ€Ί πŸ“ Kerrville, TX β€” $2,317/yrβ€Ί πŸ“ Cloverleaf, TX β€” $2,253/yrβ€Ί πŸ“ Saginaw, TX β€” $2,393/yrβ€Ί πŸ“ Watauga, TX β€” $2,352/yrβ€Ί πŸ“ Forney, TX β€” $2,345/yrβ€Ί πŸ“ Marshall, TX β€” $2,345/yrβ€Ί πŸ“ Belton, TX β€” $2,240/yrβ€Ί πŸ“ Pecan Grove, TX β€” $2,279/yrβ€Ί πŸ“ Corinth, TX β€” $2,383/yrβ€Ί πŸ“ Brushy Creek, TX β€” $2,422/yrβ€Ί πŸ“ Horizon City, TX β€” $2,378/yrβ€Ί πŸ“ Katy, TX β€” $2,222/yrβ€Ί πŸ“ Murphy, TX β€” $2,276/yrβ€Ί πŸ“ Stephenville, TX β€” $2,338/yrβ€Ί πŸ“ Dickinson, TX β€” $2,209/yrβ€Ί πŸ“ Portland, TX β€” $2,254/yrβ€Ί πŸ“ Sienna, TX β€” $2,424/yrβ€Ί πŸ“ Plainview, TX β€” $2,247/yrβ€Ί πŸ“ Ennis, TX β€” $2,403/yrβ€Ί πŸ“ Universal City, TX β€” $2,266/yrβ€Ί πŸ“ Alamo, TX β€” $2,263/yrβ€Ί πŸ“ Angleton, TX β€” $2,225/yrβ€Ί πŸ“ Orange, TX β€” $2,291/yrβ€Ί πŸ“ Lakeway, TX β€” $2,281/yrβ€Ί πŸ“ Brownwood, TX β€” $2,365/yrβ€Ί πŸ“ Nederland, TX β€” $2,315/yrβ€Ί πŸ“ Palestine, TX β€” $2,408/yrβ€Ί πŸ“ Seagoville, TX β€” $2,357/yrβ€Ί πŸ“ White Settlement, TX β€” $2,289/yrβ€Ί πŸ“ Alton, TX β€” $2,224/yrβ€Ί πŸ“ Crowley, TX β€” $2,346/yrβ€Ί πŸ“ Bay City, TX β€” $2,204/yrβ€Ί πŸ“ La Marque, TX β€” $2,278/yrβ€Ί πŸ“ Fate, TX β€” $2,246/yrβ€Ί πŸ“ Alice, TX β€” $2,202/yrβ€Ί πŸ“ Boerne, TX β€” $2,350/yrβ€Ί πŸ“ Stafford, TX β€” $2,365/yrβ€Ί πŸ“ Terrell, TX β€” $2,198/yrβ€Ί πŸ“ Gainesville, TX β€” $2,327/yrβ€Ί πŸ“ Brenham, TX β€” $2,418/yrβ€Ί πŸ“ Groves, TX β€” $2,299/yrβ€Ί πŸ“ Bellaire, TX β€” $2,345/yrβ€Ί πŸ“ Princeton, TX β€” $2,226/yrβ€Ί πŸ“ Cinco Ranch, TX β€” $2,394/yrβ€Ί πŸ“ Anna, TX β€” $2,324/yrβ€Ί πŸ“ Pampa, TX β€” $2,419/yrβ€Ί πŸ“ Fulshear, TX β€” $2,404/yrβ€Ί πŸ“ Donna, TX β€” $2,319/yrβ€Ί πŸ“ Humble, TX β€” $2,231/yrβ€Ί πŸ“ Celina, TX β€” $2,206/yrβ€Ί πŸ“ Steiner Ranch, TX β€” $2,412/yrβ€Ί πŸ“ Addison, TX β€” $2,343/yrβ€Ί πŸ“ Taylor, TX β€” $2,310/yrβ€Ί πŸ“ Mercedes, TX β€” $2,404/yrβ€Ί πŸ“ South Houston, TX β€” $2,246/yrβ€Ί πŸ“ Gatesville, TX β€” $2,202/yrβ€Ί πŸ“ Mount Pleasant, TX β€” $2,316/yrβ€Ί πŸ“ Hewitt, TX β€” $2,264/yrβ€Ί πŸ“ Aldine, TX β€” $2,393/yrβ€Ί πŸ“ Sulphur Springs, TX β€” $2,228/yrβ€Ί πŸ“ Highland Village, TX β€” $2,227/yrβ€Ί πŸ“ Palmview, TX β€” $2,396/yrβ€Ί πŸ“ Glenn Heights, TX β€” $2,357/yrβ€Ί πŸ“ Live Oak, TX β€” $2,264/yrβ€Ί πŸ“ Rio Grande City, TX β€” $2,413/yrβ€Ί πŸ“ Uvalde, TX β€” $2,362/yrβ€Ί πŸ“ Buda, TX β€” $2,236/yrβ€Ί πŸ“ Hereford, TX β€” $2,387/yrβ€Ί πŸ“ West University Place, TX β€” $2,412/yrβ€Ί πŸ“ Canyon, TX β€” $2,228/yrβ€Ί πŸ“ Mineral Wells, TX β€” $2,229/yrβ€Ί πŸ“ Dumas, TX β€” $2,259/yrβ€Ί πŸ“ Lockhart, TX β€” $2,376/yrβ€Ί πŸ“ Red Oak, TX β€” $2,211/yrβ€Ί πŸ“ Wells Branch, TX β€” $2,386/yrβ€Ί πŸ“ Jacksonville, TX β€” $2,209/yrβ€Ί πŸ“ Hidalgo, TX β€” $2,238/yrβ€Ί πŸ“ Forest Hill, TX β€” $2,233/yrβ€Ί πŸ“ Melissa, TX β€” $2,282/yrβ€Ί πŸ“ Port Neches, TX β€” $2,298/yrβ€Ί πŸ“ Trophy Club, TX β€” $2,349/yrβ€Ί πŸ“ Beeville, TX β€” $2,395/yrβ€Ί πŸ“ Manor, TX β€” $2,196/yrβ€Ί πŸ“ Seabrook, TX β€” $2,365/yrβ€Ί πŸ“ Lumberton, TX β€” $2,418/yrβ€Ί πŸ“ Rendon, TX β€” $2,301/yrβ€Ί πŸ“ Royse City, TX β€” $2,211/yrβ€Ί πŸ“ Andrews, TX β€” $2,260/yrβ€Ί πŸ“ Kilgore, TX β€” $2,408/yrβ€Ί πŸ“ Azle, TX β€” $2,358/yrβ€Ί πŸ“ Henderson, TX β€” $2,200/yrβ€Ί πŸ“ Pecos, TX β€” $2,408/yrβ€Ί πŸ“ Athens, TX β€” $2,242/yrβ€Ί πŸ“ Santa Fe, TX β€” $2,394/yrβ€Ί πŸ“ Levelland, TX β€” $2,416/yrβ€Ί πŸ“ Borger, TX β€” $2,267/yrβ€Ί πŸ“ Webster, TX β€” $2,388/yrβ€Ί πŸ“ Robinson, TX β€” $2,245/yrβ€Ί πŸ“ El Campo, TX β€” $2,301/yrβ€Ί πŸ“ Tomball, TX β€” $2,277/yrβ€Ί πŸ“ Hornsby Bend, TX β€” $2,316/yrβ€Ί πŸ“ Four Corners, TX β€” $2,343/yrβ€Ί πŸ“ Richmond, TX β€” $2,311/yrβ€Ί πŸ“ Roma, TX β€” $2,263/yrβ€Ί πŸ“ Port Lavaca, TX β€” $2,372/yrβ€Ί πŸ“ Leon Valley, TX β€” $2,399/yrβ€Ί πŸ“ Snyder, TX β€” $2,342/yrβ€Ί πŸ“ La Homa, TX β€” $2,389/yrβ€Ί πŸ“ Granbury, TX β€” $2,362/yrβ€Ί πŸ“ Selma, TX β€” $2,388/yrβ€Ί πŸ“ Burkburnett, TX β€” $2,318/yrβ€Ί πŸ“ Fredericksburg, TX β€” $2,417/yrβ€Ί πŸ“ Lantana, TX β€” $2,204/yrβ€Ί πŸ“ Galena Park, TX β€” $2,421/yrβ€Ί πŸ“ Freeport, TX β€” $2,351/yrβ€Ί πŸ“ Pleasanton, TX β€” $2,203/yrβ€Ί πŸ“ Sweetwater, TX β€” $2,358/yrβ€Ί πŸ“ Clute, TX β€” $2,413/yrβ€Ί πŸ“ Bellmead, TX β€” $2,417/yrβ€Ί πŸ“ Scenic Oaks, TX β€” $2,216/yrβ€Ί πŸ“ Bonham, TX β€” $2,306/yrβ€Ί πŸ“ Fairview, TX β€” $2,303/yrβ€Ί πŸ“ Raymondville, TX β€” $2,385/yrβ€Ί πŸ“ Robstown, TX β€” $2,236/yrβ€Ί πŸ“ San Elizario, TX β€” $2,262/yrβ€Ί πŸ“ Vernon, TX β€” $2,408/yrβ€Ί πŸ“ Rockport, TX β€” $2,198/yrβ€Ί

Texas Auto Insurance FAQ

Who has the cheapest car insurance in Texas?
Based on our 2026 analysis, USAA offers the cheapest full coverage in Texas at $143/month. However, rates vary significantly by driver β€” comparing quotes from multiple carriers is the best way to find your lowest rate.
How much is car insurance in Texas?
The average cost of full coverage auto insurance in Texas is $215/month or $2,580/year. Liability-only coverage averages $63/month. Your actual rate depends on your age, driving record, vehicle, and ZIP code.
What is the minimum car insurance required in Texas?
Texas requires minimum liability limits of 30/60/25 (bodily injury per person/per accident/property damage). However, these minimums may leave you underinsured β€” most experts recommend at least 50/100/50.
How can I save on auto insurance in Texas?
The most effective way to save is to compare quotes from multiple carriers. You can also save by bundling policies, maintaining a clean driving record, raising your deductible, and asking about discounts for good students, military service, or safety features.
Does Texas have a lot of uninsured drivers?
Approximately 14% of Texas drivers are uninsured. This is why uninsured/underinsured motorist coverage is highly recommended, even though it's not always required.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Texas Department of Insurance (TDI) β€” official state insurance regulator for Texas.
  3. National Association of Insurance Commissioners (NAIC) β€” national insurance data and consumer resources.
  4. Texas DMV β€” Texas vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) β€” independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) β€” crash and safety statistics.
  7. NHTSA FARS Database β€” fatal crash and DUI arrest data by state and locality.

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