2021 Best Cheap Auto Insurance In Texas

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Texas auto insurance laws require drivers to have at least liability coverage, but it’s not always easy to find a good deal. The secret to getting the cheapest auto insurance in Texas is to focus on the right providers and compare quotes from several of them to see which one can give you the best deal. Here are some of the best auto insurance companies in Texas that drivers can consider in their research:

  • The cheapest for typical drivers: Texas Agricultural Bureau Insurance
  • The cheapest for drivers who have already had accidents: State farm
  • The cheapest for drivers who have already received speeding tickets: State farm
  • The cheapest for young drivers: Texas Agricultural Bureau Insurance
  • The cheapest for senior drivers: Texas Agricultural Bureau Insurance
  • The cheapest for drivers looking for minimum coverage: Texas Agricultural Bureau Insurance
  • The cheapest for drivers with low credit: Farmers’ auto insurance

The cheapest for typical drivers

The best Texas auto insurance for typical drivers is Texas Farm Bureau Insurance. On average, her premiums cost $ 1,277 per year for a 35-year-old woman with no accident on her record. A 35-year-old man with a clean criminal record can expect to pay around $ 1,475 a year with the Texas Farm Bureau.

In contrast, the state average for female drivers with no criminal records in Texas is $ 2,277 per year. Men with blank records pay about $ 2,412 per year on average.

Other companies offering affordable auto insurance in Texas include:

  • State Farm, which has average premiums of $ 1,461 per year for men and women
  • GEICO, which has average premiums of $ 1,796 per year for women and $ 1,800 per year for men

The cheapest for drivers who have had previous accidents

Many drivers who have had accidents on their driving record find that State Farm offers them the best auto insurance in Texas. It has an average annual premium of $ 1,702 per year. That’s well below the state average of $ 3,237 per year for crashed drivers.

Other companies that offer low cost auto insurance in Texas to drivers with accidents on their records include:

  • Germania Insurance, which has an average annual premium of $ 2,011 for drivers with an accident on their record
  • Southern County Mutual Insurance, which has an average annual premium of $ 2,384 for drivers with a single accident in recent years

The cheapest for drivers who have already received speeding tickets

State Farm also offered the best auto insurance in Texas for drivers with a single speeding ticket. His average premium of $ 1,461 per year is well below the state average of $ 2,700.

But some of its competitors are not far behind. These include:

  • Texas Farm Bureau Insurance, which provided an average annual premium of $ 1,475 for drivers with a single speeding ticket
  • Germania Insurance, which had an average premium of $ 1,623 per year for drivers who have a single speeding ticket

The cheapest for young drivers

Teenage drivers can expect to pay around $ 6,439 per year on average for auto insurance in Texas. But those who opt for Texas Farm Bureau Insurance could get a much lower rate. Its average annual premium for 18-year-old drivers is $ 2,275 per year.

The following companies also offer some of the cheapest auto insurance in Texas for young drivers:

  • Germania Insurance, which has an average annual premium of $ 3,353 per year
  • State Farm, which has an average annual premium of $ 3,455 per year

The cheapest for senior drivers

Older drivers pay an average of about $ 2,110 for auto insurance in Texas. But drivers who choose Texa Farm Bureau Insurance could pay about half of that. His average annual premium for a 65-year-old driver is $ 1,182.

Other Texas auto insurance companies that have stood out for older drivers include:

  • Farmers Auto Insurance, which on average bills elderly drivers about $ 1,226 per year
  • State Farm, which has an average annual premium of $ 1,302 for senior drivers

Cheaper for drivers looking for minimal coverage

Drivers looking for inexpensive liability insurance in Texas should consider Texas Farm Bureau insurance. It only charges around $ 485 per year on average, which is well below the state’s average of $ 712.

Other companies that offer affordable minimum coverage for Texas residents include:

  • State Farm, which provides minimum auto insurance in Texas for an average of $ 513 per year
  • AAA, which charges around $ 574 per year for minimum coverage on average

Cheaper for drivers with poor credit

Drivers with poor credit pay on average about $ 3,570 per year for auto insurance in Texas. Farmers Insurance is willing to insure these drivers for about $ 2,155 per year on average, according to our research.

Other companies that offered some of the best auto insurance in Texas for drivers with low credit include:

  • Texas Farm Bureau Insurance, which has an average annual premium of $ 2,329 for drivers with poor credit
  • State Farm, which on average bills drivers with low credit about $ 2,357 per year

Average Cost of Auto Insurance in Texas Compared to National Average

How Much Does Car Insurance Cost in Texas? It currently costs around $ 2,785 per year on average, according to our research. This is a little above the national average of $ 2,646. But it is still possible to get cheap auto insurance quotes in Texas if you try some of the tips below.

Texas Auto Insurance Laws

Here are some of the top Texas auto insurance laws drivers should know about.

Texas is a responsible state

States responsible for auto insurance require that the driver responsible for the accident pay medical bills for himself and for the other driver, if necessary. This is different from no-fault states, where both drivers are expected to have Injury Protection (PIP). Everyone uses their own PIP to pay for their medical bills, regardless of who caused the accident.

Consequences of driving without insurance in Texas

The first time someone is caught driving without insurance in Texas, they can expect a fine of between $ 175 and $ 350. Subsequent violations can result in fines of between $ 350 and $ 1,000. Driving without insurance can also result in suspension of the driver’s license and vehicle registration. Some may even have their vehicles impounded.

Texas minimum coverage requirements

The Texas minimum coverage requirements are as follows.

Liability coverage for bodily injury

Texas drivers must have at least:

  • $ 30,000 in bodily injury liability coverage per person
  • $ 60,000 of liability coverage for bodily injury per accident

Liability coverage for property damage

Drivers in Texas must also purchase property damage liability insurance of at least $ 25,000 to pay for repairs to the vehicle or other personal property they damage in an accident.

How To Get Cheap Auto Insurance In Texas

Try these tips for getting the cheapest auto insurance in Texas.

  • Compare the prices: All insurance companies assess different parts of a driver’s claim differently, so getting multiple auto insurance quotes is essential to determining which one will provide the best auto insurance in Texas. Start with some of the companies listed above.
  • Discover the discounts: Auto insurance companies have their own set of discounts to help drivers save money. Some insurance discounts are automatically applied when a driver signs up, while others require drivers to sign up. For example, a growing number of insurers are offering discounts to drivers wishing to install a monitoring device in their vehicles to demonstrate their safe driving habits.
  • Increase the deductible: Auto insurance deductibles are your personal expenses in the event of an accident, while premiums are the monthly costs you pay for your insurance. Increasing the deductible often lowers auto insurance premiums in Texas. If a driver saves for his deductible in an emergency fund, it should not affect his financial security in the event of an accident.

Other things to consider when looking for auto insurance in Texas

Keep the following things in mind when shopping for cheap auto insurance in Texas.

Texas has highest number of hail claims of any state in the United States

According to the Insurance Information Institute, nearly 193,000 auto insurance claims in Texas were filed in 2019 due to hail. It is by far the most in the country. Drivers can avoid this problem by parking their vehicle in a garage or under a carport. But this is not always possible.

It is also wise to invest in comprehensive coverage. This covers damage to your vehicle caused by inclement weather, as well as accidents involving animals and more. Lenders may require drivers with a lease or loan on their vehicle to purchase this coverage.

Odessa, Texas is a hotbed of auto theft

Drivers in the Odessa, Texas area can expect to pay a little more for auto insurance than drivers in other parts of the state, as Odessa experiences a high rate of vehicle theft every year. , according to the Insurance Information Institute.

This is yet another reason to consider investing in comprehensive coverage, even if you don’t have to have it. He will pay a driver for his stolen vehicle if he is unable to recover it or if he recovers it and it is damaged. The state’s minimum liability coverage will not protect drivers from this.


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