Keep read to learn how you can save on your car policy premiums and other important data related to meeting Texas car insurance requirements to drive legally in the state :
In This Article:
Cheap Car Insurance Rates for Every Type of Texas Driver
The Cheapest for Teen Drivers
Choosing the right car indemnity protects you and your adolescent driver from liability caused by an accident. While it ’ mho no mystery that policy for teens can be costly, we ’ ve outlined ten of the most low-cost companies for adolescent drivers in Texas. Just check out the table below.
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $156/mo |
| Infinity | $168/mo |
| Clearcover | $184/mo |
| Gainsco | $211/mo |
| Bridge Net | $213/mo |
| Elephant | $227/mo |
| Direct Auto | $245/mo |
| First Chicago | $246/mo |
| Apparent | $248/mo |
| Esurance | $284/mo |
Commonwealth Casualty offers the most low-cost cable car policy, with rates starting at $ 156/mo. other low-cost options are Infinity at $ 168/mo., Clearcover at $ 184/mo., and Gainsco at $ 211/mo .
There may be extra savings to be had. Take some clock to hop on-line and comparison rates. With Compare.com, merely 5 minutes of your time can lead to meaning savings .
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The Best Rates for Young Drivers
youthful drivers in Texas — those between 18-24 — can expect to pay more for car indemnity because they ’ re statistically more probably to get into accidents and file indemnity claims. thankfully, extra factors such as driving history, location, sex, and former indemnity history can affect rates adenine well, so there is hope. Our inquiry found companies offering some of the cheapest insurance rates to young drivers in Texas .
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $104/mo |
| Mercury | $126/mo |
| Clearcover | $133/mo |
| Gainsco | $153/mo |
| Bridge Net | $156/mo |
| Infinity | $156/mo |
| First Chicago | $168/mo |
| Liberty Mutual | $175/mo |
| Direct Auto | $180/mo |
| Elephant | $187/mo |
once again, Commonwealth Casualty comes in as having the most low-cost liability indemnity at $ 104 monthly. adjacent, number cheap to most expensive, are Mercury ( $ 126/mo ), Clearcover ( $ 133/mo ), Gainsco ( $ 153/mo ), Bridge Net ( $ 156/mo ), Infinity ( $ 156/mo ), First Chicago ( $ 168/mo ), Liberty Mutual ( $ 175/mo ), direct Auto ( $ 180/mo ), and Elephant ( $ 187/mo ) .
Cheapest Quotes for Texas Retirees
by and large, more experience on the road pays murder. Because of this, drivers around retirement old age tend to get the best rates for cable car indemnity. But fair because you ’ re paying less than you ever have doesn ’ metric ton hateful there aren ’ thymine more savings out there. Below, we ’ ve identified ten-spot companies that offer cheap car insurance to retired drivers .
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $56/mo |
| Liberty Mutual | $72/mo |
| Safeco | $76/mo |
| Gainsco | $83/mo |
| Bridge Net | $85/mo |
| Apparent | $92/mo |
| Clearcover | $93/mo |
| Direct Auto | $94/mo |
| Elephant | $100/mo |
| Travelers | $109/mo |
As you can see, Commonwealth Casualty again comes out on top, with rates for retire drivers running $ 56 a month on average. early low-cost quotes for Texas drivers include rates from Safeco, Liberty Mutual, and GAINSCO .
Cheap Car Insurance for Married Drivers in Texas
If you ’ rhenium married, your car indemnity is probably less expensive than that of your unmarried friends and family. That ’ randomness because insurance companies normally see married drivers in Texas as more stable, dependable, and less likely to participate in bad drive habits .
The nine companies we ’ ve listed below offer some of the cheapest car indemnity for married couples in Texas .
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $51/mo |
| Assurance America | $69/mo |
| Gainsco | $77/mo |
| Safeco | $80/mo |
| Liberty Mutual | $81/mo |
| Bridge Net | $87/mo |
| Infinity | $89/mo |
| Clearcover | $94/mo |
| Esurance | $108/mo |
As you can see, Commonwealth Casualty has once again topped the list of insurers offering the most low-cost car rates in Texas. Rounding out the top ten-spot are Assurance America ( $ 69/mo ), Gainsco ( $ 77/mo ), Safeco ( $ 80/mo ), Liberty Mutual ( $ 81/mo ), Bridge Net ( $ 87/mo ), Infinity ( $ 89/mo ), Clearcover ( $ 94/mo ) and Esurance ( $ 108/mo ) .
evening more significant savings may be available for you and your spouse if you ’ re will to put some meter and department of energy into comparing indemnity rates. You can get started at Compare.com .
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Cheapest Car Insurance for Single Texans
When it comes to car policy, marital status matters. Single drivers in Texas can expect to fork over a small more money each calendar month than marry drivers. But rest assured, there are cheap policy options available for single drivers. Take at the ten most low-cost car policy premiums we found .
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $60/mo |
| Mile Auto | $64/mo |
| Assurance America | $68/mo |
| Liberty Mutual | $87/mo |
| Mercury | $91/mo |
| Safeco | $91/mo |
| Gainsco | $93/mo |
| First Chicago | $96/mo |
| Carnegie General | $102/mo |
| Direct Auto | $103/mo |
The company with the most low-cost pace is Commonwealth Casualty. As you can see, their liability-only policy will run you around $ 60 every calendar month .
early insurers offering competitive rates are mile Auto ( $ 64/mo ), Assurance America ( $ 68/mo ), Liberty Mutual ( $ 87/mo ), Mercury ( $ 91/mo ), Safeco ( $ 91/mo ), Gainsco ( $ 93/mo ), First Chicago ( $ 96/mo ), Carnegie General ( $ 102/mo ), and direct Auto ( $ 103/mo ) .
Cheap Car Insurance for Both Men & Women in Texas
Nationwide, car insurance is normally a short less for women than men. It makes sense as women are statistically less probable to be involved in an accident than men. Women are besides more probably to wear their induct belts and exert safe driving practices .
| Monthly Premium | |
|---|---|
| Female | $91/mo |
| Male | $96/mo |
Cheapest Quotes for Male Drivers
According to car insurers, men pose a higher risk while driving than women. That ’ sulfur because they are more likely to exhibit insecure driving habits including getting accelerate tickets, drinking while driving, and being involved in accidents, to name a few. These risks can make cable car indemnity more expensive than for women .
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $59/mo |
| Assurance America | $69/mo |
| Mercury | $85/mo |
| Safeco | $85/mo |
| Liberty Mutual | $87/mo |
With that said, take a attend at the list above .
These companies offer low-cost cable car policy to male drivers in Texas with rates starting at merely $ 59 through Commonwealth Casualty .
Rounding out the top five are Assurance America ( $ 69/mo ), Mercury ( $ 85/mo ), Safeco ( $ 85/mo ), and death but not least, Liberty Mutual, which will set you back equitable a few dollars more at $ 87 per month .
Best Quotes for Female Drivers
There are many perks to being a womanhood, and in Texas, you can add cheaper car indemnity rates to that list. Female drivers save more on car indemnity than men because car insurers associate them with safe drive practices. Those savings are often passed along to women with cheaper monthly car policy rates. But don ’ t take our give voice for it .
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $57/mo |
| Mile Auto | $66/mo |
| AssuranceAmerica | $68/mo |
| Liberty Mutual | $85/mo |
| Gainsco | $89/mo |
These liability-only policies, ranging from $ 57- $ 89 per month, offer some of the cheapest rates we could find .
Leading the carry with the most low-cost rates are Commonwealth Casualty ( $ 57/mo ), Mile Auto ( $ 66/mo ), Assurance America ( $ 68/mo ), Liberty Mutual ( $ 85/mo ), and Gainsco ( $ 89/mo ) .
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Cheapest Car Insurance for Texans with Spotty Records
Cheapest Rates for Drivers with a Ticket
Getting a ticket can leave you feeling stressed and overwhelmed, careless of the reason. They can be expensive to pay, but besides come with an insurance rate hike. Car policy companies weigh the bearing of a ticket differently, so you always want to make certain you ’ ra working with a company that ’ ll give you the best rate – ticket or not .
Below are five companies that offer Texas drivers with a ticket on their criminal record cheap car indemnity rates .
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $65/mo |
| Assurance America | $77/mo |
| Gainsco | $93/mo |
| Bridge Net | $101/mo |
| First Chicago | $107/mo |
Number one on our list is Commonwealth Casualty. A liability-only policy will set you back about $ 65 each month. Next is Assurance America at $ 77/mo. With Gainsco, you see a bad rate leap to $ 93/mo and rates continue to increase with Bridget Net at $ 101/mo and First Chicago at $ 107/mo .
Cheapest Quotes for Drivers with Multiple Tickets
When you have multiple driving tickets on your record, you ’ re more likely to see a bigger increase in your car policy rates, but that doesn ’ triiodothyronine mean you can ’ triiodothyronine find low-cost coverage .
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $71/mo |
| First Chicago | $106/mo |
| Bridge Net | $111/mo |
| Clearcover | $112/mo |
| Jupiter | $121/mo |
Commonwealth Casualty offers the most low-cost rate at merely $ 71/mo. then you see a $ 30 rate increase with First Chicago at $ 106/mo. The remaining 3 companies on the number offer similar rates with Bridge Net at $ 111/mo, Clearcover at $ 112/mo, and Jupiter at $ 121/mo .
The Best Rates for Texas Drivers After an Accident
similar to having a ticket on your criminal record, you can expect a rate increase due to being involved in an accident. here are 5 car insurance companies that offer more low-cost rates even though you have an accident in your driving history .
| Insurance Company | Monthly Premium |
|---|---|
| Safeco | $119/mo |
| First Chicago | $122/mo |
| Jupiter | $128/mo |
| Liberty Mutual | $129/mo |
| Gainsco | $134/mo |
Safeco offers the most low-cost car insurance rate at $ 119/mo and the remaining 4 options charge like rates. First Chicago ’ south liability insurance is $ 122/mo, Jupiter is $ 128/mo, Liberty Mutual is $ 129/mo and Gainsco is the most expensive at $ 134/mo
Cheapest Rates for Texans with Multiple Accidents on their Records
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $102/mo |
| First Chicago | $134/mo |
| Jupiter | $151/mo |
| Clearcover | $164/mo |
| Liberty Mutual | $169/mo |
Commonwealth Casualty ’ second indebtedness policy for drivers with multiple accidents is $ 102/mo. Rates then jump to $ 134/mo with First Chicago. You see another addition of about $ 20 with Jupiter at $ 151/mo. Clearcover ( $ 164/mo ) and Liberty Mutual ( $ 169/mo ) circle out the most low-cost options in Texas .
Don ’ deoxythymidine monophosphate Just Let Insurance Companie Charge You More. Compare Quotes and Save .
Cheapest State Minimum Liability Insurance in Texas
If you merely want to meet the minimal car policy standards, you want state minimal coverage. This is a great way to keep your monthly premiums low, but keep in thinker, you won ’ triiodothyronine have a lot protection in the consequence that you need to file a claim.
| Insurance Company | Monthly Premium |
|---|---|
| Safeco | $50 |
| Commonwealth Casualty | $52 |
| AssuranceAmerica | $57 |
| Liberty Mutual | $61 |
| Mercury | $64 |
| Gainsco | $66 |
| BridgeNet | $66 |
| Clearcover | $71 |
| DirectGeneral | $76 |
| Esurance | $77 |
Rates for the cheapest express minimum coverage in Texas range from $ 50/mo at Safeco to $ 78/mo at Esurance. All of the policy companies on this list can provide low-cost indemnity so you want to see which one is the best fit for you .
Cheapest Full Coverage Car Insurance in Texas
Full coverage car policy offers better protective covering if you need to file a claim, but that added coverage comes with a higher bounty. That ’ s why you want to ensure you know how to find the cheapest full coverage car policy in Texas .
| Insurance Company | Monthly Premium |
|---|---|
| First Chicago | $105/mo |
| Bridge Net | $106/mo |
| Assurance America | $111/mo |
| Clearcover | $118/mo |
| Direct Auto | $125/mo |
| Travelers | $126/mo |
| Mercury | $133/mo |
| Safeco | $134/mo |
| Gainsco | $145/mo |
| Esurance | $146/mo |
Rates start at $ 105/mo with First Chicago and Bridge Net offering a similar rate of $ 106/mo. following, Assurance America ’ mho rates come with a rebuff increase of $ 111/mo. Rates remain like with Clearcover ( $ 118/mo ), direct Auto ( $ 125/mo ), Travelers ( $ 126/mo ), Mercury ( $ 133/mo ) and Safeco ( $ 134/mo ). following rates increase to the $ 140s with Gainsco at $ 145/mo and Esurance at $ 146/mo .
The Best Car Insurance Companies in Texas
Texas drivers have many car indemnity companies to choose from, so it ’ s an honor to be on this tilt of the top-rated companies in the country .
According to J.D. Power ’ s survey based on overall customer satisfaction here are 8 of the top-rated companies for car indemnity in the bang-up country of Texas .
- Texas Farm Bureau – 850
- Liberty Mutual – 847
- Progressive – 843
- State Farm – 838
- Allstate – 836
- GEICO – 832
- Farmers – 826
- Auto Club of Southern California Insurance Group – 810
These scores are based on a 1,000-point system .
Texas Car Insurance Discounts that Will Lower Your Bill
Did you know insurance companies offer extra offers that save money on your car rates ? There are approximately 500 discount offers, but the following ten are common no matter where you secure policy :
- Multi-Vehicle Discount
- Multi-Policy Discount
- Military Employee Discount (Past & Former)
- New Vehicle Discount
- Safe Driving Course Discount
- Good Driver Discount
- Good Student Discount
- Federal Employee Discount
- Professional Affiliation Discount
- Air Bag Discount
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Recent Texas Car Insurance Trends
Below we ’ ve listed the pace trends for car indemnity in Texas. Since 2017, car insurance rates have steadily decreased. We can only hope to continue to see a downward swerve in rates .
| Year | Monthly Premium |
|---|---|
| 2017 | $120/mo |
| 2018 | $126/mo |
| 2019 | $107/mo |
| 2020 | $93/mo |
| 2021 | $92/mo |
In 2017 the average car policy rate was $ 120/mo then rates slenderly increased in 2018 to $ 126/mo, followed by a decrease to $ 107/mo. In 2020 rates decreased again to $ 93/mo and again in 2021 to $ 92/mo .
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What Car Insurance is Required for Texas Drivers?
Texas ’ cable car indemnity requirements are :
- $30,000 in bodily injury liability per person and $60,000 per accident: Bodily injury liability pays for injuries suffered by other people in an accident you’re legally responsible for
- $25,000 in property damage liability: This pays for damage to other people’s property — like their cars — in an accident, you’re responsible for
You ’ ll often see these limits abbreviated as “ 30/60/25 coverage. ”
What are the Penalties for Driving Without Insurance in Texas?
First of all, if you drive without indemnity you ’ ll probably get caught — even if the patrol preceptor ’ t pull you over .
Texas uses a car insurance confirmation system called TexasSure that identifies uninsured drivers. The country will notify you if the system can ’ t match your register vehicle to an active agent policy policy .
A conviction for driving without policy means a fine of up to $ 350, plus court costs .
subsequent offenses carry penalties of up to $ 1,000 plus a biennial driver ’ south license suspension. Texas besides has a organization of surcharges : if you ’ re convicted of certain offenses, you ’ ll have to pay the state a penalty every year. The overload for driving without policy is $ 250 each year for three years .
Read More about Driving Uninsured .
Vehicle Registration Fees and Other Costs in Texas
If you ’ re in the market for a new or secondhand car, you ’ ll need to budget for more than just the vehicle ’ sulfur poser monetary value .
You ’ ll be on the pilfer for basic DMV fees like title, license plate, registration fees no matter where and how you purchase your new car, truck, or SUV, a well as buying a new car insurance policy for your vehicle .
Some buyers will besides find themselves paying extra fees such as sales tax, software documentation fees, personal property tax, emissions and inspection fees, hybrid and electric fomite fees, lien recording fees, and a skid of early costs .
Check out Compare.com ’ s comprehensive vehicle costs breakdown to make sure you account for all the add fees you might be on the hook for when buying a car in Texas .
Compare Texas Auto Insurance Rates by City
We ’ ve done the hard work for you and compared rates from over 200 Texas cities. so, how does your city stack up to its neighbors or the lie of Texas ?
As you can see, rates can vary from city to city by a lot more than you might expect. big spring drivers pay an average of merely $ 41 a month for their cable car insurance, while drivers in Ft. Hood and Fresno pay double that .
To find out why, snap on the name of each city in the table above to find detail breakdowns on all the factors that go into calculating your monthly premium. here, you ’ ll find the information you need on how things like driving record, age, sex, vehicle seduce and model, and more will affect how much you pay for car insurance in each vicinity .
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Texas Auto Insurance FAQs
What car insurance is required in Texas?
If you want to drive in Texas, you have to have indemnity. The minimal requirements are :
- $30,000 in bodily injury liability per person and $60,000 per accident
- $25,000 in property damage liability
How much is car insurance in Texas?
The average rate for cable car policy in Texas is $ 92/mo .
What happens if you drive without insurance in Texas?
Driving without indemnity in Texas can lead to fines of up to $ 1,000 and your license being suspended. It ’ s not worth it .
Can you get car insurance without a license in Texas?
Read more: The Best Car Insurance Companies for 2022
While you don ’ t need a license to buy car indemnity, you do have to name a primary driver on your policy. broadly, this should be the person who will use your fomite the most, whether that ’ s a hired driver or a syndicate extremity .
Methodology
All data referenced in this article comes from a combination of proprietary data — which is aggregated from millions of real customer quotes through Compare.com — and extra data gathered in collaboration with Quadrant. The datum in this article is up to date as of January 2021 .