Cheap car insurance in Texas for 2025

Finding the best car insurance company in Texas for your needs is easier once you have determined your priorities. If affordable coverage is your top priority, you'll want to get quotes from several insurers to compare. If top-notch customer service is high on your list, you might look at companies with good J.D. Power ratings. There are also companies that are a good bet if, for example, you are a low-mileage driver or you or someone in your family is a military member. Determining your top priorities is the first step toward finding a policy that is best suited to your needs at a price you can afford.

According to premium data sourced from Quadrant Information Services, car insurance in Texas costs an average of $2,599 annually for a full coverage policy and $746 for a minimum coverage policy. To put this figure into context, the nationwide average for a full coverage policy is $2,671 per year, while minimum coverage is $806. Keep in mind that your auto insurance rates will vary depending on your personal details (like your age, credit, ZIP code and more). 

Taking stock of your personal insurance needs is a great first step in choosing the best cheap car insurance policy. If your vehicle is on the older side and has significantly depreciated in value, you may opt out of a full coverage plan, for instance. Speak with an agent if you need help determining the best coverage for your situation. 
Comparing quotes is another great way to help you save on car insurance. When you compare quotes, make sure that you are specifying the same coverage types and policy limits. That way, you can make a more accurate comparison from provider to provider.

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. 

Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.

Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.

Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.