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Cheapest Auto Insurance Quotes in Texas

The words “bargain” and “auto insurance” really should not be used together, in particular when trying to find the cheapest coverage in Texas. To help control this cost, let’s go over a few of the factors that can significantly affect auto insurance premiums, and see if you can reduce the price of the next policy you buy.

The make and model of vehicle driven is one of the largest considerations when comparing the cheapest auto insurance quotes in Texas. Vehicles with lower acceleration and performance, excellent safety ratings, or a low likelihood of liability claims will cost less to insure than higher performance models.

The information below ranks coverage prices for the more affordable vehicles to insure in Texas.

Cheapest Vehicles to Insure in Texas
Make and ModelEstimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan$1,272
Dodge Grand Caravan CV$1,286
Hyundai Tucson GLS 4WD$1,291
Ford Escape Limited 2WD$1,306
Chevrolet Traverse LS 2WD$1,313
Honda CR-V EX-L 4WD$1,343
Toyota Sienna XLE$1,370
Nissan Altima 2.5 4-Dr Sedan$1,377
Ford Explorer Eddie Bauer AWD$1,400
Subaru Forester X Limited Edition W/Navigation AWD$1,416
Ford Focus SEL 4-Dr Sedan$1,425
Toyota Prius$1,434
Hyundai Elantra SE 4-Dr Sedan$1,455
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates noticeably.

Based on these rates, we can infer that models like the Honda Accord, Dodge Grand Caravan, Hyundai Tucson, and Ford Escape are going to be the most economical vehicles to insure for drivers in Texas.

Buying low-cost auto insurance is tough enough, and determining which companies quote the most affordable auto insurance rates in Texas will require more quotes for comparison.

Each auto insurance company has a unique formula to determine premium rates, so let’s begin by examining the overall cheapest auto insurance companies in Texas.

Best Auto Insurance Prices in Texas

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Texas car insurance ranked by cost per year
RankCompanyCost Per Year
3Texas Farm Bureau$1,211
4Germania Mutual$1,282
6California Casualty$1,438
7State Farm$1,495
10Safe Auto$1,565
15Home State$2,155
1921st Century$2,494
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Travelers may have some of the lowest car insurance rates in Texas at around $1,052 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the most economical Texas insurance companies.

In the above rates, if you are a customer of Texas Farm Bureau and switched to Travelers, you might realize annual savings of upwards of $159. Drivers with Germania Mutual may save as much as $230 a year, and Esurance customers might cut rates by $369 a year.

Understand that those premium estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration a price decrease in Texas. So the company that fits you best may not even be in the list of companies above. That underscores the importance of why you need to quote rates from many companies using your own individual information.

For drivers in Texas, one of the big components that are looked at to help calculate the annual cost of car insurance is where you live. Areas with increased crime or more people like McAllen, Dallas, and Houston tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.

The illustration below shows the most expensive areas in Texas in which to buy car insurance.

Texas cities ranked by car insurance cost
RankCityPremium Per Year
10Grand Prairie$1,793
14San Antonio$1,671
15Fort Worth$1,670
19El Paso$1,632
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Rates are approximated as the vehicle garaging location can influence coverage rates significantly.

Texas auto insurance company ratings

Finding a high-quality car insurance company can be rather challenging considering how many companies there are to choose from in Texas. The company information in the next section can help you decide which car insurance companies to look at purchasing from. These rankings are only comprised of large insurance companies, so companies that have a smaller presence will not be included in the list.

Top 10 Large Car Insurance Companies in Texas Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 Large Car Insurance Companies in Texas Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. Safeco Insurance
  4. American Family
  5. AAA Insurance
  6. The Hartford
  7. Progressive
  8. The General
  9. Titan Insurance
  10. Esurance

Drive safe and save

A great way to find affordable auto insurance rates for drivers in Texas is to drive safe and have a clean driving record. The information below illustrates how traffic citations and at-fault collisions raise insurance costs for each age group. The prices are based on a married male driver, full coverage, $100 deductibles, and no discounts are applied.

The data above shows the average cost of auto insurance per year with no violations or accidents is $1,864. Factor in one speeding ticket and the average cost hikes up to $2,139, an increase of $274 each year. Now get one accident along with the one speeding ticket and the 12-month cost of auto insurance in Texas jumps again to an average of $2,914. That’s an increase of $1,049, or $87 per month, just for a couple of infractions!

What aren’t you shopping around?

Texas auto insurance rates are impacted by many things which can substantially change the price you have to pay. Improving your credit score, moving to a different location, or having an at-fault accident can produce rate changes that may make certain companies more affordable than others.

And not only may your rating factors change, but insurance companies change the rates they charge in Texas as often as every quarter to adjust for unexpected claims or profits. A period of higher than normal claims may cause higher prices, while a better loss history can result in more affordable Texas car insurance rates.

For example, the data below shows which company has the cheapest car insurance in Texas for a 45-year-old male driver with no violations or accidents, and excellent credit. Based on his current risk profile, Travelers may offer the best car insurance rates in Texas at $1,021 a year. This is $883 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remaining cheapest Texas auto insurance companies.

Now we will give the driver from above a claim surcharge, poor credit, and a couple of points charged on his driving record. Since every insurance provider has a unique approach for setting rates, analyzing rates most likely will result in a different set of companies as shown below.

Mercury now has the best auto insurance rate in Texas with State Farm, Safe Auto, Nationwide, and USAA also having competitive pricing. This shows why consumers need to spend some time comparing rates to find the lowest insurance rates in Texas.

Prices consist of many risk factors and can decrease or increase without notice, so the cheapest rate three years ago may now be one of the more expensive options.

How to get the cheapest auto insurance quotes in Texas

The list below summarizes some penny-pinching solutions that can help you get cheaper car insurance.

  • Buy a car with high safety ratings
  • Maintain a safe distance and avoid accidents
  • On older vehicles, drop full coverage
  • Save money by bundling your home and auto policies
  • Higher credit scores can equal lower rates
  • Look for cheaper rates once a year by shopping around

The last suggestion is especially valuable, as was pointed out in this piece. Prices charged by car insurance companies in Texas go up and down frequently, so don’t hesitate to switch companies if you find a cheaper price. Having a favorite company is fine, but it’s not recommended if that inflexibility results in costing you a wad of cash every year. If you have a few minutes, now is a great time to shop around and find cheaper auto insurance in Texas.

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