Auto Insurance Quotes in Texas

In Texas, the average cost for a six-month full coverage auto insurance policy is $1,294, which is 18% higher than the national average. For Texans seeking savings, Central Insurance Quote provides the most affordable options for both liability and full coverage auto insurance.

Our data indicates that 44% of Texans feel they are overpaying for auto insurance. However, many are willing to spend more for excellent customer service and comprehensive coverage options. For these customers, we suggest beginning (but not ending) your search with Insurance Texas.

For those seeking a balance between value, price, and customer service, Insurance Texas is a recommended option.

Cheapest full coverage in TX

• Insurance Texas offered the cheapest full insurance coverage in Texas at $119/mo.
• See the other cheapest full coverage insurance companies and best discounts in Texas ↓

Cheapest liability coverage in TX

• Insurance Texas offered the cheapest liability insurance in Texas at $42/mo
• Read about the rest of the top and best companies in Texas ↓

Best Auto insurance in TX — overall

• The Insurance Texas used 3rd party reviews from JD Power and AM Best as well as thousands of customer ratings in Texas to name Central Insurance Quote as the best overall company for Texan drivers.
• Read more about why we've ranked Central Insurance Quote as a great fit for many Texans ↓

Best Customer Service in TX

• As a highly-rated regional carrier, Insurance Texas scored an 839 on J.D. Power's 2023 auto study. For those eligible, Insurance Houston is also top rated by J.D. Power for Customer Service.
• Read about the rest of the top and best companies in Texas ↓

Cheap liability insurance in Texas

In Texas, a 6-month liability insurance coverage typically costs $366. The most affordable liability insurance in Texas, according to our user profile, is provided by Central Insurance Quote, Insurance Texas, and Insurance Dallas.

Because your coverage level has a big impact on the cost, this quotation is much less than full coverage. Monthly and 6-month liability insurance estimates from the top Texas insurance providers are displayed in the table below.

Our research indicates that 44% of drivers in Texas only have liability insurance on their cars. The minimum liability limits required by the Texas Department of Insurance are 30/60/25, which translates to $30,000 for each person, $60,000 for each accident involving physical injury, and $25,000 for each accident involving property damage. for a thorough breakdown of the rules and regulations governing Texas auto insurance.

What are the best car insurance companies in Texas?

On the basis of customer reviews, independent ratings from JD Power, Trustpilot, and AM top, as well as specifics like policy options and discount information, we have determined that Central Insurance Quote is the top auto insurance provider in Texas.

Below are the pros and cons of Central Insurance Quote plus more of the best-rated companies in Texas.

Overall best car insurance company in Texas — Central Insurance Quote

Out of various Texas insurance companies, Central Insurance Quote is renowned for providing exceptional, personalized service and comes in third for total client satisfaction. Even though there are sporadic reports of sluggish claims processing, the insurer's solid financial standing indicates that they can consistently pay claims and continue to operate in the long run.

Best car insurance in Texas — honorable mentions

To determine the best companies, we looked at JD Power Auto ratings and consumer reviews we collected from nearly 3000 drivers across Texas and the US

Cheap auto insurance for teens and young drivers in Texas

It is difficult for young drivers in Texas to find affordable auto insurance. Your age is a reflection of your driving history to an insurance company. Teenagers should therefore budget on paying more than 100% more than drivers in their 20s and almost 200% more than those in their 30s.

Teen drivers in Texas incur very high auto insurance premiums: $2,939 for six months, or $489 monthly, which is more than $2,085 over the national average.

To find the best auto insurance for your adolescent or yourself, check out Insurance Texas, Central Insurance Quote, and Insurance Houston.

Texas auto insurance quotes after an accident or ticket

Finding affordable car insurance in Texas after an accident can be challenging. Insurance companies assess your risk level by considering previous accidents and traffic tickets. If you're involved in an at-fault accident, your annual car insurance premiums could rise to as much as $2,329.

Here's a breakdown of how much the leading insurance companies in Texas charge after an at-fault accident.

In Texas, a poor driving record can significantly increase your insurance rates. If you get a ticket or citation, expect your auto insurance premiums to go up. The extent of the increase depends on the specific violation, your insurer's pricing policies, and the unique local insurance regulations and risks. As a result, the impact of tickets on your insurance costs in Texas may differ from the national average.

How have car insurance costs in Texas changed?

Car insurance rates in Texas have experienced considerable changes over the past decade, showcasing a dynamic market. In 2024, the average annual premium climbed to $2,115, marking a significant increase of $493 from the previous year. This rise is part of an overall upward trend, though rates have fluctuated between increases and decreases each year.

These variations underscore the influence of factors such as regulatory changes, economic conditions, and market dynamics on insurance costs in Texas and nationwide.

If your rates are increasing faster than the state average, it's time to compare quotes and find a better option. Use the Insurance Texas comparison engine to get personalized quotes based on your profile. Enter your ZIP code below to begin.

Texas Car Insurance FAQs

Here are answers to some of the most frequently asked questions about auto insurance in Texas.