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Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not […]

Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.

Texas has a lot of sights, from El Paso and Houston to the outskirts. You don’t have to spend more on car insurance just because Texas is the Lone Star State.

We compared basic coverage rates to determine the average insurance cost and the lowest-cost Texas insurers.

To accurately compare rates between insurers, our calculations take into account a driver profile that has not been involved in any accidents, tickets, or claims. (See our complete methodology). Rates can be higher or lower depending on many factors, such as your age, vehicle type and mileage, coverage options, driving record, and driving history.

Continue reading to find out about Texas’ average car-insurance rates. We also reveal our findings regarding the most affordable basic auto coverage options.


Texas Car insurance at a discount

The average monthly premium for basic Texas car insurance ranges from less than $55 per month to more like $130 per lună, depending on what type of coverage is selected and the driver profile.


Monthly average auto insurance premiums in Texas


Driver and coverage

Avg. Monthly cost
Texas has a minimum state-required car insurance $55.54
Drivers with bad credit in Texas $87.16
Multiple claims drivers in Texas $132.07
Young drivers in Texas $90.28

Based upon our standard driver profile, minimum coverage, unless noted


Texas’s cheapest car insurance companies

Redpoint County Mutual and Germania Mutual Group offered basic coverage in Texas, which was the most affordable car insurance for most driver profiles. We have calculated these rates using a Texas driver profile (see our complete methodology). This allows us to compare insurers equally and gives an accurate picture of what it would cost for an average driver.

Our Texas driver has a credit score of 680 to 719, is 36-45 years old, and drives a car valued between $20,000 and $30,000. Don’t be discouraged if this is not you. Also, you’ll see how your credit history, age, and claims history could affect rates.

1. Germania Mutual Group

Germania Insurance, a Texas-based company, has been offering insurance products for over 125 years. Germania Insurance could offer basic car insurance for as low as $32.92 per monthly to a Texas driver. Germania offers all of the standard coverage options plus extras such as road service, battery services, and lock-out services. There are many discounts available.

2. Geico

Geico could provide Texas drivers minimal car insurance coverage starting at $38.95 per monthly. Geico offers 24/7 access, a mobile app, and a variety of coverage options. Geico has a 97% customer satisfaction rate. Geico also offers insurance for collector cars, boats, motorcycles, RVs, ATVs, and other vehicles.

See reviews about Geico auto insurance.

3. Redpoint County Mutual

Redpoint County Mutual is focused on Texas drivers who are considered to be at higher risk because of their driving record and insurance history. Redpoint County Mutual may offer basic coverage for drivers like this Texas profile, starting at $42.00 per monthly.

4. Mercury

For basic coverage, drivers who meet our Texas driver profile can get rates from Mercury starting at $42.04 per mo. The Mercury insurance company offers 24/7 claims service, local service agents, and a lifetime warranty on repairs made by Mercury-authorized repair shops. Mercury offers many discount options, including the RealDrive program that tracks your mileage and rewards drivers who drive less.

Review Mercury Auto Insurance.


5. USAA

USAA insurance is available for U.S. military personnel and veterans, precommissioned officers and spouses and children. The app can be used to view and verify ID cards, proof of insurance, manage policies, file claims, and request roadside assistance. The basic Texas driver profile could get basic auto insurance through USAA starting at $45.31 per monthly.

Review USAA auto insurance.

The cheapest state-minimum car coverage in Texas

The cheapest coverage is state-minimum. State-minimum coverage is a good option if you need the minimum coverage to legally drive.

These are the five lowest-priced companies for drivers who need state-minimum coverage.


The cheapest Texas car insurance companies for state-minimum coverage


1

Germania Mutual Group
$32.92/month

2

Geico
$38.95/month

3

Redpoint County Mutual
$42.00/month

4

Mercury
$42.04/month

5

USAA
$45.31/month

Based upon our standard driver profile, seeking minimum coverage for Texas

Best car insurance for people with good credit in Texas

Your credit score is one of the factors that will determine your auto insurance score and your monthly premium. Your premium will be lower if you have good credit.

These companies provide basic coverage for Texas drivers with good credit and some of the most affordable car insurance in Texas.


The cheapest Texas car insurance companies for people with good credit


1

Germania Mutual Group
$24.19/month

2

Geico
$34.69/month

3

Mercury
$35.25/month

4

State Farm
$36.65/month

5

Texas Farm Bureau Group
$38.61/month

Based upon our standard driver profile, adjusted for Texas drivers with a credit score greater than 720

Lowest car insurance for people with poor credit in Texas

Texas residents with poor credit ratings can still receive excellent car insurance rates. We found that local Texas insurers offer lower rates than national companies for drivers with bad credit.

These are the five most affordable Texas car insurance companies for basic coverage for drivers who have poor credit.


Texas’s cheapest car insurance companies for people with bad credit


1

Redpoint County Mutual
$42.00/month

2

Mercury
$53.50/month

3

Germania Mutual Group
$59.21/month

4

Geico
$59.53/month

5

Nationwide
$61.78/month

Based upon our standard driver profile, adjusted for Texas drivers with a lower credit score than 580

Cheapest car Insurance for Drivers with Multiple Claims in Texas

Your claims history plays an important role in determining how much car insurance you purchase. Your premium may be higher if there are many claims in your past loss history report than someone who has only a few claims.


5 Best Car Insurance Companies in Texas for Multiple Claims


1

Germania Mutual Group
$34.00/month

2

Redpoint County Mutual
$42.00/month

3

State Farm
$72.86/month

4

Republic Indemnity
$76.50/month

5

Geico
$77.05/month

We adjusted the display rates to reflect a Texas driver who has two claims rather than zero

Cheapest insurance for young drivers in Texas

Insurance premiums for younger drivers may be higher than those of older drivers who have a better driving record. Don’t worry if this is you. Your rate may decrease as you get older and have a better driving record. You may still be eligible for discounts from companies that offer student discounts.


Top 5 Cheapest Texas Car Insurance Companies for Young Drivers


1

Redpoint County Mutual
$42.00/month

2

Geico
$55.78/month

3

Germania Mutual Group
$64.83/month

4

USAA
$67.08/month

5

Mercury
$71.79/month

We adjusted the rates to show drivers in Texas between 18-21 and 36-45 based on our standard driver profile.

Texas auto insurance requirements

Texas has 30/60/25 requirements for auto insurance coverage. This means that drivers must have $30,000 coverage for injuries and $25,000 for property damage.

Is there usage-based insurance in Texas

Texas drivers have the option to use usage-based insurance to reduce their car insurance costs. UBI, also known telematics, allows drivers to track their driving habits using a mobile device or other apps. This will allow them to be eligible for discounts.


FAQs regarding the lowest car insurance rates in Texas



Which state has the lowest car insurance?

Germania Mutual Group may offer car insurance in Texas to those with good credit who meet our Texas driver profile.



What Texas car insurance policy is the best?

Redpoint County Mutual and Germania Mutual Group can provide affordable car insurance for some Texas drivers.



What is the cost of Texas car insurance per month?

The average monthly premium for basic Texas car insurance ranges from less than $25 per month to almost $150 for our standard driver profile. The type of coverage chosen and the details of the driver’s profile will affect the premiums. Car insurance costs can be affected by many factors, so rates may vary.


Methodology

Based on a profile of a Texas driver aged 36-45, the estimated rates in this article are the lowest. These rates assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and is in good condition. Rates for insurance for good credit are based on scores above 720. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those aged 18-21. Rates for multiple claims are based on two claims.

Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and should not be used as a comparison. Rates can vary depending on many factors such as your age, driving habits, and past.

The average monthly premium for full coverage car insurance includes property damage, bodily injury, collision, and comprehensive coverages. Texas-mandated coverage of 30/60/25 is the average monthly premium for minimum car insurance.