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Cheapest Car Insurance in Texas in 2022 – Bankrate.com

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
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The average cost of car insurance in the Lone Star state is $524 per year for minimum coverage, which is about on par with the national average, but it may be possible to find even cheaper rates. Geico’s average rates are almost $100 cheaper than the average in Texas, according to Bankrate’s analysis of average premiums from Quadrant Information Services. With an average of $391 per year for minimum coverage, Geico offers some of the cheapest car insurance in Texas.
For drivers who want more coverage, Geico also offers affordable average full coverage car rates in Texas, with an average price tag of $1,339 per year. The average cost of full coverage car insurance in Texas is $1,823 per year, which means that Geico’s average rate is about $500 less than the statewide average. However, it’s important to keep in mind that every driver is different and not everyone will receive the same rate. For this reason, Bankrate has compiled a list of the cheapest car insurance companies in Texas to help you find the best option for your needs.
As a starting point in Bankrate’s search for the cheapest auto insurance in Texas, we reviewed average annual premium information from Quadrant Information Services. But because price isn’t the only consideration when shopping for car insurance, we also considered each company’s J.D. Power score and AM Best financial strength rating. These metrics might help you find a company that offers cheap rates as well as strong customer service and financial stability.
Buying minimum coverage means that you are purchasing only Texas’s required coverage types and limits. Minimum coverage is often considered the cheapest option because the limits are relatively low. However, most insurance professionals recommend buying higher liability limits for greater financial protection.
If you are interested in purchasing minimum coverage, these are some of the cheapest car insurance companies in Texas, based on quoted annual premiums:
Full coverage car insurance includes the addition of comprehensive and collision coverage, both of which cover damage to your vehicle. Although it costs more, full coverage gives you greater financial protection. If your vehicle sustains damage from a collision, a storm, hitting an animal, vandalism or theft, you have coverage for the repair costs, up to policy limits. Bear in mind, separate deductibles may apply to these coverage options, which affects what you pay per premium, as well as what financial risk you assume in the event of a loss.
The following cheap car insurance companies offer low average full coverage rates in Texas:
Car insurance rates don’t stay the same throughout your life. If you’ve recently experienced a life event, you might benefit from shopping your car insurance policy to find the cheapest rates. Life events that can impact your premium include:
Your exact location within a state plays a big role in how much you pay for coverage. Larger metropolitan areas, like Houston and San Antonio, generally pay higher costs for car insurance. For minimum coverage, the cost of healthcare and the likelihood of accidents could increase car insurance rates. But the opposite is also true; some areas of the state offer more affordable rates.
If you live in one of the following five cities, you might pay some of the cheapest rates for minimum coverage in Texas:
Just like with minimum coverage, full coverage premiums vary based on your city and even your ZIP code. Larger cities like Dallas and Austin might have higher likelihoods of accidents due to heavier traffic. Additionally, larger cities may have a higher cost of living, which can increase auto repair and labor costs. This can subsequently increase premiums.
These five cities are among the cheapest for full coverage in Texas:
Although most insurance agents recommend buying higher liability limits, you may opt for minimum coverage to keep your rates down. In Texas, the minimum required car insurance limits are:
Uninsured and underinsured motorist coverages, as well as personal injury protection (PIP) must be offered but can be rejected in writing.
Surety bonds, deposits and self-insurance can also satisfy the state’s “financial responsibility law,” although most drivers likely choose to purchase car insurance. Driving with insurance or failing to provide proof of a bond, deposit or self-insurance is illegal in Texas and drivers could face stiff penalties.
Insurance agents typically recommend that you buy higher liability limits for the greater financial protection that they offer. Additionally, if you have a loan or lease on your vehicle, your financial institution will probably require you to purchase comprehensive and collision coverage. If you aren’t sure how much car insurance you need, working with a licensed agent could be helpful.
Finding affordable rates for car insurance is a priority for many drivers. There are many things you can do to find and keep the most affordable rates for your circumstances. If you are looking for the cheapest car insurance in Texas, some tips include:
Dozens of insurance companies serve Texas drivers, and the best provider for each driver will be unique to the driver’s circumstances. While the best car insurance company in Texas is different for every driver, our review of companies include USAA and Geico as particular standouts, based on factors like a low premium, certain coverages or discounts, high customer service scores and digital tools.
Geico offers some of the cheapest average auto insurance rates in Texas, according to Bankrate’s research. This company’s average rates are more competitive than other carriers for both full and minimum coverage. However, this may not be the case for every person, as car insurance rates are based on numerous factors, including your individual rating factors. This includes your driving record, the type of car you drive and your annual mileage, among other factors. To find the cheapest car insurance for you, it can be smart to request personalized quotes from multiple companies to compare.
Everyone has different insurance needs, and getting the lowest rate is not always worth it to all drivers. Price is one consideration when looking for coverage, but choosing proper coverage types to protect your finances against disaster is also imperative. State minimum requirements for car insurance typically only include liability insurance, but many insurance agents will suggest that you consider protecting yourself further by purchasing uninsured motorist coverage or comprehensive and collision insurance if you can. If good customer service is a priority to you, you may also want to consider a company’s ranking by third-party agencies and other related factors.
Texas is part of what has historically been known as “tornado alley,” and severe storms are common. Damage caused by hail, high winds, lightning and flooding may be a concern for Texas drivers. If you carry state minimum or liability-only coverage, you do not have any coverage for damage to your vehicle, as liability covers the other party involved in an accident if you were at-fault. Comprehensive coverage is for covering your vehicle for theft, weather and falling objects, and is the option that would pay for storm damage. You can often purchase comprehensive coverage as an endorsement to a liability-only policy or as part of a full coverage policy.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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