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Cheap Car Insurance in Texas

Cheap Car Insurance in Texas

Today, we’re going to be talking about cheap car insurance in Texas. To get right into it, some of the cheapest car insurance companies in Texas are Clearcover, USAA and Geico Although these companies stand out based on WalletHub’s data, it’s important that you get multiple quotes from different insurers in order to find the best, most personalized rate.

Each company has its own way of calculating premiums, so one insurer is unlikely to offer the cheapest rates to everyone. In addition to getting multiple quotes, there are a few steps that drivers inTexas can take to find cheap car insurance. For starters, when comparing quotes, make sure that you maximize all the discounts you’re Eligible for. A given insurer might not offer the lowest base rate, but with applicable discounts factored in, it could turn out to be the cheapest.

Cheapest Texas auto insurance quotes for minimum coverage

CompanyAnnual rateMonthly rate
State Farm$450$38
Geico$603$50
Dairyland$776$65
Chubb$819$68
Nationwide$873$73
USAA*$477$40
Cheap Car Insurance in Texas

Cheapest Texas auto insurance companies for full coverage

CompanyAnnual rateMonthly rate
State Farm$1,094$91
Geico$1,448$121
Chubb$2,237$186
Nationwide$2,400$200
Dairyland$2,649$221
USAA*$1,403$117
Cheap Car Insurance in Texas

Cheapest Texas auto insurance companies after an accident

CompanyAnnual rateMonthly rate
State Farm$1,294$108
Geico$2,214$185
Chubb$3,408$284
Dairyland$3,519$293
Nationwide$3,768$314
USAA*$2,115$176
Cheap Car Insurance in Texas

Cheapest Texas auto insurance companies after a DUI

CompanyAnnual rateMonthly rate
State Farm$2,001$167
Geico$2,607$217
Dairyland$2,663$222
Chubb$4,459$372
Nationwide$4,839$403
USAA*$2,115$176
Cheap Car Insurance in Texas

Cheapest Texas auto insurance for drivers with poor credit

CompanyAnnual rateMonthly rate
State Farm$2,034$169
Nationwide$2,996$250
Geico$3,022$252
Dairyland$3,301$275
Chubb$3,408$284
USAA*$2,122$177
Cheap Car Insurance in Texas

Cheapest Texas auto insurance companies for teen drivers

CompanyLiability onlyFull coverage
Geico$1,329$3,082
State Farm$1,533$3,246
Chubb$2,580$5,771
Dairyland$2,638$6,722
Nationwide$3,762$9,248
USAA*$976$2,526
Cheap Car Insurance in Texas

*USAA is only available to current and former military members and their families.

You should also choose the right amount of coverage for your needs and your budget. The more coverage you buy, the higher your rate will be. For instance, drivers in Texas pay around $1,500 more for full coverage insurance, on average, than the minimum amount of coverage required by law.  

If you’re not getting quotes that are as low as you’d like, one area to focus on is your credit score. For example, going from no credit score to good credit could lower the average person’s car insurance premium by about 61%.

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Finally, you should make sure that you do not allow your insurance to lapse under any Circumstances. Having gaps in your insurance history increases your risk to insurers, which means that you’ll be quoted a higher rate. On average, drivers in Texas who don’t maintain continuous coverage pay roughly 20% more for car insurance than those with five or more straight years of insurance history.

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