Cheapest Car Insurance in Texas for 2022 – NerdWallet

If you ’ rhenium looking for cheap car policy in Texas, you ’ ve come to the right place. Finding low-cost car policy international relations and security network ’ t always slowly, so we ’ ve done the hard work of narrowing down the cheapest options in the Lone Star State. Read on to see the cheapest car insurance in Texas for a kind of ages and driving histories, plus the state-mandated minimum liability indemnity requirements. If you ’ re looking for top-of-the-line car coverage, check out our tilt of the best car insurance in Texas.

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Cheapest car insurance company overall in Texas
Geico	$ 100/month	4.5 NerdWallet evaluation NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Cheapest for minimum coverage
Geico	$ 31/month	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Cheapest for young drivers
Texas Farm Bureau	$ 177/month	3.5 NerdWallet evaluation NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Cheapest for drivers with hapless accredit
nationally	$ 100/month	4.5 NerdWallet rat NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

If you ’ rhenium looking for the cheapest car insurance in your city, NerdWallet analyzed rates for some of the largest Texas cities, including :

The average cost of auto insurance in Texas

The average cost of wide coverage car indemnity in Texas is $ 1,749 per class, or about $ 146 per calendar month, according to NerdWallet ’ south analysis. minimum coverage in Texas is $ 611 per year on average, but we found you can likely get a cheaper policy than that. For example, Geico offers the cheapest rates in Texas at $ 377 per class, on average, for minimal liability coverage car indemnity for a 35-year-old driver with a fairly drive record.

How we chose the cheapest companies in Texas

NerdWallet ’ s editorial team analyzed car indemnity rates from 16 car insurers in Texas and found the five cheapest options for drivers in respective age brackets and with unlike histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Texas. For entire coverage, we used the under coverage limits :

• $ 100,000 bodily injury indebtedness per person .
• $ 300,000 bodily injury indebtedness per accident .
• $ 50,000 property damage liability per accident .
• $ 100,000 uninsured motorist coverage per person .
• $ 300,000 uninsured motorist coverage per accident .
• Collision coverage with a $ 1,000 deductible .
• comprehensive coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find brassy car policy. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more know on the road. still, some companies routinely have better policy rates for new drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in Texas for 20-year-olds

Drivers in Texas with clean and jerk driving records may want to consider the watch companies, which had the lowest average rates :

1. Texas Farm Bureau : $ 2,127 per class, or about $ 177 per calendar month .
2. Geico : $ 2,506 per year, or about $ 209 per calendar month .
3. submit farm : $ 2,535 per class, or about $ 211 per calendar month .
4. countrywide : $ 3,115 per year, or about $ 260 per calendar month .
5. Houston General : $ 3,212 per year, or about $ 268 per calendar month .

Cheapest minimum coverage car insurance in Texas for 20-year-olds

Drivers in Texas who want just the state minimal coverage may want to check with these companies, which had the lowest average rates :

1. Texas Farm Bureau : $ 843 per year, or about $ 70 per month .
2. Geico : $ 882 per year, or about $ 74 per calendar month .
3. express farm : $ 974 per year, or about $ 81 per calendar month .
4. Houston General : $ 1,044 per class, or about $ 87 per month .
5. Dairyland : $ 1,231 per year, or about $ 103 per calendar month .

Cheapest auto insurance in Texas for 20-year-olds with poor credit

Drivers with poor credit in Texas should look at the following insurers with the lowest average rates for minimal coverage :

1. Geico : $ 1,478 per year, or about $ 123 per calendar month .
2. Texas Farm Bureau : $ 1,496 per year, or about $ 125 per month .
3. Dairyland : $ 1,527 per year, or about $ 127 per month .
4. Houston General : $ 1,530 per year, or about $ 128 per calendar month .
5. Esurance : $ 1,839 per class, or about $ 153 per month .

Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash

For drivers with a holocene accident in Texas, here are the companies with the lowest average rates for minimum coverage :

1. Geico : $ 1,096 per class, or about $ 91 per month .
2. state grow : $ 1,249 per year, or about $ 104 per month .
3. Texas Farm Bureau : $ 1,309 per year, or about $ 109 per month .
4. Dairyland : $ 1,428 per year, or about $ 119 per calendar month .
5. democracy Group : $ 1,767 per year, or about $ 147 per calendar month .

Cheapest auto insurance in Texas for 20-year-old drivers after a DUI

The cheapest car indemnity we found after a DUI is shown here, alongside the insurers ‘ average rates for minimal coverage .

1. Geico : $ 1,184 per year, or about $ 99 per calendar month .
2. Dairyland : $ 1,251 per class, or about $ 104 per calendar month .
3. Houston General : $ 1,273 per year, or about $ 106 per month .
4. Esurance : $ 1,417 per year, or about $ 118 per calendar month .
5. department of state farm : $ 1,679 per class, or about $ 140 per month .

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. however, factors like a person ’ s repel read and cable car form and model can increase prices. Drivers in their 30s can get lower rates by shopping about and taking advantage of any cable car indemnity discounts.

Cheapest full coverage car insurance in Texas for 30-year-olds

Drivers in Texas with clean drive records may get the lowest rates from these companies :

1. Geico : $ 1,217 per class, or about $ 101 per calendar month .
2. state grow : $ 1,257 per year, or about $ 105 per calendar month .
3. nationally : $ 1,348 per class, or about $ 112 per calendar month .
4. democracy Group : $ 1,428 per year, or about $ 119 per calendar month .
5. Texas Farm Bureau : $ 1,442 per year, or about $ 120 per month .

Cheapest minimum coverage car insurance in Texas for 30-year-olds

Drivers in Texas who want their department of state ‘s minimum coverage can check with the following companies, which had the lowest average rates :

1. Geico : $ 379 per class, or about $ 32 per calendar month .
2. state grow : $ 439 per year, or about $ 37 per calendar month .
3. Texas Farm Bureau : $ 527 per class, or about $ 44 per calendar month .
4. Esurance : $ 531 per year, or about $ 44 per calendar month .
5. Houston General : $ 554 per year, or about $ 46 per month .

Cheapest auto insurance in Texas for 30-year-olds with poor credit

Drivers with poor credit in Texas should consider the following companies with the lowest average rates for fully coverage :

1. nationally : $ 1,902 per year, or about $ 158 per calendar month .
2. Geico : $ 2,168 per class, or about $ 181 per calendar month .
3. Redpoint County Mutual : $ 2,346 per class, or about $ 196 per month .
4. Esurance : $ 2,482 per class, or about $ 207 per calendar month .
5. democracy Group : $ 2,525 per class, or about $ 210 per calendar month .

Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash

For drivers in Texas with a recent accident, here are the lowest average pace options for wide coverage :

1. department of state farm : $ 1,568 per year, or about $ 131 per calendar month .
2. Geico : $ 1,800 per class, or about $ 150 per month .
3. democracy Group : $ 2,047 per year, or about $ 171 per calendar month .
4. nationally : $ 2,186 per year, or about $ 182 per month .
5. Texas Farm Bureau : $ 2,290 per year, or about $ 191 per month .

Cheapest auto insurance in Texas for 30-year-old drivers after a DUI

For the cheapest car insurance after a DUI, we found the following options for full moon coverage .

1. Esurance : $ 1,491 per class, or about $ 124 per month .
2. democracy Group : $ 1,799 per class, or about $ 150 per month .
3. Geico : $ 1,804 per year, or about $ 150 per month .
4. department of state farm : $ 2,064 per year, or about $ 172 per month .
5. mercury : $ 2,271 per year, or about $ 189 per calendar month .

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better indemnity rates than their younger counterparts on average, but still pay more than older long time groups. Shopping around for brassy car insurance quotes with multiple insurers is the best direction to find lower rates. beneficial drivers who don ’ t induce behind the wheel frequently might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Texas for 40-year-olds

Drivers in Texas with clean driving records may want to think about the succeed companies, which had the lowest average rates :

1. Geico : $ 1,198 per year, or about $ 100 per calendar month .
2. country farm : $ 1,231 per class, or about $ 103 per month .
3. nationally : $ 1,309 per year, or about $ 109 per month .
4. democracy Group : $ 1,364 per year, or about $ 114 per calendar month .
5. Texas Farm Bureau : $ 1,382 per class, or about $ 115 per calendar month .

Cheapest minimum coverage car insurance in Texas for 40-year-olds

Drivers in Texas who want barely the minimum coverage may want to check prices from these companies, which had the lowest median rates :

1. Geico : $ 377 per class, or about $ 31 per month .
2. state farm : $ 443 per year, or about $ 37 per month .
3. Houston General : $ 459 per class, or about $ 38 per month .
4. Texas Farm Bureau : $ 494 per year, or about $ 41 per calendar month .
5. mercury : $ 514 per year, or about $ 43 per calendar month .

Cheapest auto insurance in Texas for 40-year-olds with poor credit

Drivers with hapless credit in Texas can check out the following insurers with the lowest average rates for full coverage :

1. countrywide : $ 1,846 per class, or about $ 154 per calendar month .
2. Geico : $ 2,140 per year, or about $ 178 per month .
3. mercury : $ 2,165 per year, or about $ 180 per month .
4. Houston General : $ 2,278 per class, or about $ 190 per month .
5. Redpoint County Mutual : $ 2,305 per year, or about $ 192 per month .

Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash

For drivers with a late accident populate in Texas, here are the companies with the lowest average rates for full coverage :

1. state farm : $ 1,538 per year, or about $ 128 per calendar month .
2. Geico : $ 1,765 per year, or about $ 147 per month .
3. republic Group : $ 1,962 per year, or about $ 164 per calendar month .
4. nationally : $ 2,130 per year, or about $ 178 per month .
5. Texas Farm Bureau : $ 2,199 per year, or about $ 183 per month .

Cheapest auto insurance in Texas for 40-year-old drivers after a DUI

The cheapest full coverage car indemnity we found for drivers with a DUI came from the following companies .

1. Esurance : $ 1,418 per year, or about $ 118 per calendar month .
2. republic Group : $ 1,734 per year, or about $ 144 per month .
3. Geico : $ 1,781 per year, or about $ 148 per month .
4. mercury : $ 1,985 per year, or about $ 165 per month .
5. state farm : $ 2,028 per class, or about $ 169 per calendar month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car policy rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more drive experience. Rates can still vary depending on other factors such as a driver ’ sulfur sex and placement, so it ’ randomness bright to shop around to find the best rate. Our tilt of the best bum car policy companies is a good topographic point to start.

Cheapest full coverage car insurance in Texas for 50-year-olds

Drivers in Texas with clean drive records may want to get quotes from these insurers, which had the lowest average rates :

1. Geico : $ 1,116 per year, or about $ 93 per month .
2. state farm : $ 1,192 per class, or about $ 99 per month .
3. republic Group : $ 1,225 per class, or about $ 102 per month .
4. nationally : $ 1,227 per class, or about $ 102 per month .
5. Esurance : $ 1,306 per year, or about $ 109 per calendar month .

Cheapest minimum coverage car insurance in Texas for 50-year-olds

Drivers in Texas who opt for the state minimal coverage may want to consider the succeed companies, with the lowest average rates :

1. Geico : $ 361 per year, or about $ 30 per month .
2. Houston General : $ 418 per year, or about $ 35 per month .
3. submit farm : $ 432 per year, or about $ 36 per month .
4. Texas Farm Bureau : $ 484 per year, or about $ 40 per calendar month .
5. mercury : $ 493 per year, or about $ 41 per calendar month .

Cheapest auto insurance in Texas for 50-year-olds with poor credit

Drivers with hapless accredit in Texas can check with the following companies, which showed the lowest average rates for broad coverage :

1. nationally : $ 1,727 per year, or about $ 144 per calendar month .
2. Geico : $ 2,007 per year, or about $ 167 per month .
3. mercury : $ 2,017 per year, or about $ 168 per month .
4. Houston General : $ 2,055 per class, or about $ 171 per month .
5. Redpoint County Mutual : $ 2,133 per year, or about $ 178 per month .

Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash

For drivers living in Texas with a recent accident, here are the insurers with the lowest average full coverage rates :

1. state farm : $ 1,493 per year, or about $ 124 per calendar month .
2. Geico : $ 1,660 per class, or about $ 138 per month .
3. democracy Group : $ 1,785 per year, or about $ 149 per month .
4. nationally : $ 2,015 per year, or about $ 168 per calendar month .
5. Texas Farm Bureau : $ 2,206 per year, or about $ 184 per calendar month .

Cheapest auto insurance in Texas for 50-year-old drivers after a DUI

The cheapest car policy we found for drivers with a holocene DUI comes from the following companies, listed with rates for full coverage .

1. Esurance : $ 1,306 per class, or about $ 109 per month .
2. republic Group : $ 1,595 per year, or about $ 133 per calendar month .
3. Geico : $ 1,688 per class, or about $ 141 per month .
4. mercury : $ 1,938 per year, or about $ 162 per calendar month .
5. country farm : $ 1,975 per year, or about $ 165 per month .

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this senesce group should besides take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Texas for 60-year-olds

Drivers in Texas with clean repel records may want to think about getting quotes from these companies, which had the lowest average rates :

1. Geico : $ 1,072 per year, or about $ 89 per month .
2. country grow : $ 1,124 per class, or about $ 94 per calendar month .
3. Texas Farm Bureau : $ 1,152 per class, or about $ 96 per month .
4. nationally : $ 1,162 per year, or about $ 97 per month .
5. republic Group : $ 1,193 per year, or about $ 99 per calendar month .

Cheapest minimum coverage car insurance in Texas for 60-year-olds

Drivers in Texas who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates :

1. Geico : $ 351 per year, or about $ 29 per calendar month .
2. Houston General : $ 398 per year, or about $ 33 per calendar month .
3. state farm : $ 411 per year, or about $ 34 per calendar month .
4. Texas Farm Bureau : $ 430 per year, or about $ 36 per calendar month .
5. mercury : $ 489 per year, or about $ 41 per month .

Cheapest auto insurance in Texas for 60-year-olds with poor credit

Drivers with poor credit in Texas can look at the following companies with the lowest average rates for fully coverage :

1. countrywide : $ 1,634 per year, or about $ 136 per calendar month .
2. Houston General : $ 1,899 per class, or about $ 158 per calendar month .
3. mercury : $ 1,937 per year, or about $ 161 per month .
4. Redpoint County Mutual : $ 1,940 per year, or about $ 162 per calendar month .
5. Geico : $ 1,999 per year, or about $ 167 per calendar month .

Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash

For drivers with a late accident living in Texas, here are the companies with the lowest average rates for full coverage :

1. express farm : $ 1,412 per year, or about $ 118 per calendar month .
2. Geico : $ 1,613 per year, or about $ 134 per calendar month .
3. democracy Group : $ 1,742 per class, or about $ 145 per calendar month .
4. Texas Farm Bureau : $ 1,897 per year, or about $ 158 per month .
5. countrywide : $ 1,904 per class, or about $ 159 per calendar month .

Cheapest auto insurance in Texas for 60-year-old drivers after a DUI

The cheapest car indemnity we found after a DUI came from the following companies, shown with their average rates for entire coverage .

1. Esurance : $ 1,284 per class, or about $ 107 per calendar month .
2. republic Group : $ 1,564 per class, or about $ 130 per calendar month .
3. Geico : $ 1,643 per year, or about $ 137 per calendar month .
4. Dairyland : $ 1,853 per year, or about $ 154 per month .
5. country farm : $ 1,876 per year, or about $ 156 per month .

Cheapest car insurance for military families

If you ‘re an active member of the military or a veteran — or have an immediate class member who is — chances are you ‘ll get a relatively bum rate with USAA, a party that is n’t available to the general public. Because of that restriction, USAA is n’t ranked with the others, but it was among the cheapest five car insurance options for 39 of the 48 driver profiles we examined.

Minimum car insurance requirements in Texas

With rare exceptions ( see below ), Texas drivers are required to carry liability policy. You ’ ll much see the minimum requirements written in shorthand as 30/60/25. This means in Texas you must buy at least :

• $ 30,000 bodily injury/death indebtedness coverage per person .
• $ 60,000 bodily injury/death liability coverage per accident .
• $ 25,000 property damage liability coverage per accident .

liability car insurance covers the price of any wrong, injuries or deaths you cause in a car accident, up to your policy ’ sulfur predefined limits. If you cause an accident, liability indemnity kicks in to pay for others ’ injury treatment and property damage, up to your limits. It doesn ’ deoxythymidine monophosphate pay for your own injuries or vehicle repairs. In many cases, the legal minimum indemnity won ’ thyroxine be adequate to cover costs if you cause an accident. If you total person ’ randomness luxury car, for exemplar, their haunt costs could easily exceed a $ 25,000 ceiling. Any damage that surpasses your limits has to come out of your own air pocket. That ’ south why for most drivers it ’ s wise to select higher limits, such as 100/300/50.

Auto insurance alternatives in Texas

If you ’ re having trouble getting insured in Texas, look into the Texas Automobile Insurance Plan Association. It can help connect you with a company that will cover you. There are legally satisfactory alternatives you can choose to prove your fiscal province, including :

• Filing a security bind with the Department of Public Safety. You must file the bond jointly with at least two people, called “ sureties, ” who own property in the state of matter. The property offered in the attachment must be worth at least angstrom much as the insurance amounts mandated under the state ’ s minimum liability cable car indemnity requirements .
• Making a $ 55,000 lodge with the state accountant in either cash or securities.

  Read more: The Best Car Insurance Companies for 2022

• Making a $ 55,000 depository with the county estimate where your vehicle is registered, in either cash or cashier ’ sulfur check .
• Qualifying for a security of self-insurance through the Department of Public Safety. You promise to pay up to the lapp come covered by minimum liability insurance requirements if you cause an accident with one of your cars. This choice applies if you own 25 vehicles or more .

source : https://insurecar.info
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