Cheapest Car Insurance In Texas

Acuity has the best cheap car insurance in Texas

Coverage Cat found that Acuity has the best cheap car insurance, with median premiums of approximately $36 per month. The median Texan pays $87 per month for car insurance, or $1,044 yearly, while the median Texan with an Acuity policy is paying only $432 yearly, saving them approximately $612 a year.

Our data shows Acuity offers the cheapest car insurance in Texas

Carrier

Acuity

Allstate

Clearcover

Commonwealth

Dairyland

Mercury

Progressive

Stillwater

Monthly Premium

$36

$228

$107

$48

$58

$153

$108

$189

Find the Cheapest Car Insurance in Texas

While it might be appealing to go directly to the "cheapest" carrier for your insurance, what you pay for car insurance literally depends on thousands of factors, from your zip code and age to the type of coverage you buy and the car you drive.

That being said, one of the most frustrating parts of buying car insurance is that it's nearly impossible to figure out how much it costs without getting a quote.

At Coverage Cat, we use data collected from millions of real auto insurance quotes to get you moving in the right direction.

Our #1 tip for getting cheaper car insurance in Texas?

Get quotes from smaller companies. Whether you drive a Ford F-150 or a Toyota Camry, smaller companies like Mercury, Clearcover, and Elephant offer Texans the best insurance rates. Acuity, Gainsco, and Dairyland are also good choices for lower car insurance premiums in Texas.

If you’d rather skip submitting a quote request to each of these companies, get a quote from us — we’ll find your best insurance policy across dozens of insurance companies. We’re hassle free, we don’t call, we send minimal emails — and we can save you time (and usually money).

About this Texas car insurance guide

We prepared the data and wrote this guide to help people who want to make smart money choices based on real data and sound advice (not conventional wisdom).

Figuring out the best deal for your Texas auto insurance isn't easy, since prices and eligibility can vary substantially across individuals and insurers don’t show you the cost differences.

To dive deeper into how we came up with our recommendations, please read: our methodology, why you should trust us, and an editorial note.

Caveat: this data, which reflects the insurance quotes other drivers have been offered, may or not be especially relevant for you. The data presented here is intended to give you a ballpark estimate of your own potential premiums and are not quotes.

Why you should trust Coverage Cat

I’m Max Cho, a licensed insurance agent and the founder/CEO of Coverage Cat. I first started navigating insurance and efficiently finding out how to use it and buy it more than 15 years ago, when an injury left me missing two teeth. That experience inspired me to start Coverage Cat, as a way for people to discover transparent price data about their insurance and make better choices with that information. I want to help all Americans avoid overpaying for expensive insurance they don't need and get the right coverage at the right price.

Before founding Coverage Cat and becoming a licensed insurance agent, I spent the past ten years working in quantitative roles at Google, Two Sigma, and Microsoft.

Methodology

For this guide, we constructed a unique database of tens of thousands of auto insurance quotes derived from public data. When you try our insurance quoting system, we use this dataset and others to match Coverage Cat users with the best insurance for their needs.

To determine our top picks, Coverage Cat generated over 76,000 quotes for Texas drivers. Within this dataset, we represented drivers from ages 16-70, driving vehicles that were up to 15 years old, and from a variety of makes.

By using thousands of quotes, we’re able to better understand the available data and leverage data modeling to provide a median of randomly-generated Texas drivers.

For our comparisons on insurance price, we’ve chosen to exclude carriers with fewer than 1,000 quotes to prevent imbalanced comparisons. Internally, we use this dataset and others to match Coverage Cat users with the best insurance for their needs.

Our dataset is continuously adjusted and presented to you in real time. Specific numbers in this article may vary slightly from the latest data contained in the graphs above.

Cheapest car insurance for young Texas drivers

Coverage Cat found that Progressive had the lowest premiums for young TX drivers, aged 20-30, with premiums of approximately $108/month. For younger drivers, particularly those under 25, insurance rates can be significantly higher due to a higher risk of accidents. The median Texan aged 20-30 pays $248 per month for car insurance ($2,976/year) and purchasing a cheaper Progressive policy can save an even more impressive $1,680/year.

Cheapest car insurance for senior Texas drivers

Coverage Cat found that Progressive had the lowest rates for TX drivers aged 60-70 with premiums of approximately $75/month. While car insurance rates drop after age 30, they can start to rise again slightly for older drivers because of increased risk. In Texas, however, we found that the median Texan aged 60-70 pays $105 per month for car insurance. The range for these rates, however, was wide, and the least expensive policy saving the median Texan aged 60-70 $1,788/year compared to the most expensive policy.

Cheapest car insurance for Texas drivers with new cars

For new cars, Coverage Cat found that Clearcover and Progressive had the best cheap car insurance, with premiums of approximately $151/month. New cars typically cost more than older cars to insure because the cost to repair or replace these vehicles is higher than older cars. The most expensive carrier for new car drivers in Texas cost approximately $3,276/year, meaning that Progressive and Clearcover customers could be saving $1,464/year on premiums.

Cheapest car insurance for Texas drivers with older cars

Coverage Cat found that, for older cars, Clearcover & Progressive had the best cheap car insurance, with premiums of approximately $124/month for a 5-year-old car, and $80/month for a 10-year-old car. As cars age and depreciate, insurance companies pay less for their repair or replacement, therefore it’s important to re-evaluate your insurance needs, including whether you should buy comprehensive or collision coverage.

Cheapest car insurance in Texas for female drivers

For female drivers in Texas, the lowest median monthly premiums were available at Progressive for $94/month. Coverage Cat found that female drivers in Texas pay slightly more than male drivers, with a median payment of $118/month. While that’s only $1 more a month (or $12/year) than male drivers in TX, for some carriers the difference was as high as $288/year.

Cheapest car insurance in Texas for male drivers

For male drivers in Texas, the best cheap car insurance quotes were at Progressive for $94/month. The median cost for male drivers was only slightly higher at $117/month, but the most expensive carrier (Allstate) cost $1,644 more per year than Progressive.

What you need to know about Texas car insurance 1. If you are the owner of a car, Texas requires you have car insurance.

2. Texas is an “at fault” state, which means if you are found to have caused an accident, you and your insurance company are responsible for all damages related to the accident.
3. The minimum coverage requirement in Texas, by law, is 30/60/25. What this means
4. In Texas, after an accident or ticket, your auto insurance may go up.

Tip: You may also need car insurance if you regularly rent or borrow cars, since it can be both cheaper and provide more security to have a non-owner policy that will cover your liability.

Being a good driver matters a lot

If you do not have a clean driving record, your insurance rates will be higher than the ones suggested here, no matter which insurer you choose. Expect 20-25% increases for moving violations and distracted driving; 25-30% increases for open containers, speeding, and causing a crash; and 50-70% increases for driving without a license, a DUI, or racing.

If it has been more than three years since you lost your good driver status, it’s time to shop for new car insurance.

Frequently Asked Questions

Q: Is insurance expensive in TX?

A: Texas auto insurance is more expensive than the national average. The National Association of Insurance Commissioners (NAIC) estimates that Texas drivers paid 14% more in premiums than drivers nationwide. The NAIC’s 2019 Auto Insurance Database Report estimates that the average monthly premium for auto insurance was $100 in the U.S., and $114 in Texas.

Q: Which company has the cheapest insurance in TX?

A: According to Coverage Cat, Acuity has the best cheap car insurance in Texas with premiums of approximately $36/month, which is lower than the median cost of $87/month. Depending on your insurance needs, however, your insurance could be cheaper (and better) with a different company.

Q: How do I lower my car insurance premiums in TX?

A: While Coverage Cat found that premiums were lower for Acuity drivers overall, switching to one company doesn’t guarantee savings. We recommend shopping for insurance at least every two years, getting multiple quotes, and re-evaluating your insurance needs every time. ****

If that sounds complicated, try out Coverage Cat. We optimize your insurance to serve your needs at the best price.

Editorial Note

The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, paid for, commissioned or otherwise endorsed by any of our partners (insurance companies).

Coverage Cat’s analysis used insurance rate information derived from our own datasets. These rates were publicly sourced and should be used for informational purposes only. Your own quotes may be different.