Denton drivers pay an average of $2,733/year — $962 more than the national average. With 1,810 crashes per year and a 3.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $1,017/year.
(888) 217-6781Estimated full coverage auto insurance rates for Denton, TX from top carriers. Rates are adjusted for Denton's 1,810 annual crashes, 3.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $909 | $151/mo |
| GEICO | $1,036 | $173/mo |
| Progressive | $1,169 | $195/mo |
| State Farm | $1,278 | $213/mo |
| Allstate | $1,557 | $260/mo |
Estimates based on 2026 rate filings for ZIP 76201. USAA is cheapest at ~$151/mo. Actual rates vary by driver profile and exact Denton location.
These Denton-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Denton, TX. Takes under 2 minutes.
(888) 217-6781Denton is a mid-size city in Texas with a population of 139,869. While it avoids the extreme congestion of larger metros, Denton has its own risk factors — growing commuter traffic, expanding development, and hurricanes, tornadoes, hail, flooding, extreme heat — that shape local auto insurance rates. Drivers in Denton typically pay close to the Texas state average, with significant variation by ZIP code and neighborhood.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Denton can swing your premium by hundreds of dollars. Here's how rates compare across Denton neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 76204 | Denton South Side | $2,557/yr | $213/mo |
| 76204 | Denton North Side | $2,681/yr | $223/mo |
| 76221 | Denton West Side | $2,754/yr | $230/mo |
| 76205 | Denton East Side | $2,783/yr | $232/mo |
| 76201 | Denton Downtown/Central | $2,916/yr | $243/mo |
The cheapest ZIP is 76204 (Denton South Side) at $2,557/yr. The most expensive is 76201 (Denton Downtown/Central) at $2,916/yr — a $359/year difference for the same driver.
Your Denton ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Denton. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,739/yr | $478/mo | +110% vs avg |
| Young Adult (20-25) | $3,826/yr | $319/mo | +40% vs avg |
| Adult (26-35) | $2,733/yr | $228/mo | 0% vs avg |
| Mid-Career (36-50) | $2,405/yr | $200/mo | -12% vs avg |
| Senior (51-65) | $2,268/yr | $189/mo | -17% vs avg |
| 65+ | $2,432/yr | $203/mo | -11% vs avg |
Teens in Denton pay an average of $5,739/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,268/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Denton drivers can save up to $1,017/year. ZIP 76204 (Denton South Side) has the lowest rates starting at $2,557/yr.
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