BudgetAutoRates Cheapest car insurance in Texas (2026)
Skip the averages. Get your actual Texas rate.
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Scout's quick take
- Cheapest liability we found: State Farm at $53/mo for a clean-record 35-year-old
- Texas average runs 30% above national: $85/mo liability, $260/mo full coverage
- State minimum is 30/60/25; driving uninsured risks fines, license suspension, and SR-22 requirements
BudgetAutoRates affordability gauge: Texas premiums vs state median income. Local claim costs and pricing pressure keep the needle out of the green.
Cheapest companies in Texas, compared
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $53 | $161 | Overall cheapest |
| GEICO | $58 | $177 | Digital-first drivers |
| Progressive | $67 | $205 | High-risk / SR-22 |
| Allstate | $78 | $239 | Bundling home + auto |
| Farmers | $85 | $260 | Agent relationships |
| Liberty Mutual | $93 | $283 | Custom coverage add-ons |
Illustrative estimates for a clean-record 35-year-old, built from public rate benchmarks and our cost model, not quotes; see our methodology.
Where does your ZIP land?
Premiums swing ZIP to ZIP, so start with five digits.
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Texas minimum coverage: 30/60/25
Texas requires liability coverage on every registered vehicle. The legal floor:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $25,000 property damage per accident
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $25,000 to replace, so one at-fault accident can outrun your property-damage limit.
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Rates by city
Premiums swing inside Texas: traffic density, claim frequency, and repair costs vary from ZIP to ZIP, so quote with your exact address. The largest metros in our Texas sample:
Texas questions, answered
Why is car insurance in Texas expensive?
Rates in Texas run about 30% above the national average, at about $85/mo for liability and $260/mo for full coverage. Traffic density, weather claims, repair costs, and uninsured drivers all feed into local pricing, and comparing 3 or more quotes is the fastest way to come in under the state average.
What happens if I drive uninsured in Texas?
Penalties for driving without required coverage in Texas typically include fines, license and registration suspension, SR-22 filing requirements, and reinstatement fees, with exact amounts set by state law. A minimum-coverage policy usually costs less than the penalties. Verify current penalties with the Texas Department of Insurance, then let Scout find a policy that beats the paperwork.
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