Cheap Car Insurance In Texas For 2022!

Cheap Car Insurance In Texas, USA

For the same coverage in Texas, a driver may pay $38 per month with the cheapest insurance carrier and $73 per month with the most costly.

So if you want to save money, you should always check rates from different insurers.

ValuePenguin examined Texas vehicle insurance quotes from major firms in the state to find the cheapest insurers and rates, which were broken down by policy type, driver profile, and geography.

Texas’s Cheapest Liability Auto Insurance Companies

If you’re seeking the lowest auto insurance, you could go for a policy that meets the Texas minimum liability insurance requirements. State Farm offers the cheapest cost in Texas for minimum liability, at $450 per year. That’s 32% less than the average yearly cost of minimal coverage in Texas, which is $666.

USAA and Geico are two other low-cost possibilities, albeit USAA is only available to current and former military personnel and their families.

Here is the list of Cheapest Car Insurance in Texas:

Texas auto insurance providers with the lowest rates for minimum coverage

CompanyAnnual RateMonthly rate
Nationwide$873$73
Chubb$819$68
Dairyland$776$65
Geico$603$50
USAA$477      $40
State Farm$450      $38
Cheap Car Insurance In Texas

In Texas, the average monthly cost of vehicle insurance for a minimum liability policy is $56.

Minimum liability plans are inexpensive, but they may not provide adequate protection in the event of an accident.

For example, in Texas, the bodily injury liability limit is only $60,000 per accident, which may not be sufficient to cover the price of injuries in a significant collision.

Furthermore, minimum liability policies do not cover damage to your vehicle, covered by comprehensive and collision insurance under a full coverage policy.

State Farm Has The Most Affordable Full Coverage Auto Insurance.

Cheap Car Insurance In Texas
Cheap Car Insurance In Texas

A full-coverage policy does not have a single meaning, although it commonly refers to auto insurance that includes comprehensive and collision coverage.

A complete coverage policy in Texas costs an average of $1,872 per year. The cheapest total coverage insurance providers are the most affordable minimum liability insurance companies: USAA, Geico, and State Farm.

State Farm is the lowest insurance company overall. A State Farm full coverage policy costs an average of $1,094 per year.

USAA: Full coverage policies with USAA cost an average of $1,403 per year, but membership is required.

Geico: At $1,448 a year, Geico is still $789 less expensive than every other insurer except State Farm and USAA.

Prices for whole coverage policies can vary dramatically amongst insurers. In Texas, for example, Dairyland insurance costs an average of $2,649 per year, about twice as much as State Farm coverage.

Because of the wide range of pricing, you should compare multiple firms when getting quotations for a full coverage policy.

Texas Auto Insurance Companies With The Best Rates For Full Coverage

CompanyAnnual RateMonthly rate
Nationwide$2,400  $200
Chubb$2,237  $186
Dairyland$2,649  $221
Geico$1,448  $121
USAA$1,403  $117
State Farm$1,094  $91
Cheap Car Insurance In Texas

Note: USAA is only for current and past military personnel and their families.

State Farm Offers The Cheapest Auto Insurance After A Speeding Ticket.

A speeding ticket on your driving record can affect your vehicle insurance rates, though not as much as an accident where you were at fault.

According to our research, a driver’s typical vehicle insurance rate in Texas increases by 93 percent if they have a single speeding ticket on their record.

State Farm and Chubb, on the other hand, may charge the same rates whether you get a speeding ticket or not.

Therefore, we propose that Texans who have earned a speeding ticket look into a Geico or State Farm coverage.

These providers provide reasonable coverage policies at least $399 less expensive than the national average.

Cheapest After Receiving A Speeding Ticket In Texas, Look For Entire Coverage Auto Insurance Companies.

CompanyAnnual RateMonthly rate
Nationwide$2,914  $243
Chubb$2,237  $186
Dairyland$3,148  $262
Geico$1,717  $143
USAA$1,585  $132
State Farm$1,094  $91
Cheap Car Insurance In Texas

Note: USAA is only for current and former military personnel and their families.

State Farm Offers The Cheapest Auto Insurance After An At-Fault Accident.

Your driving history is one of the most critical factors impacting vehicle insurance costs.

If you cause an accident in Texas, your total coverage insurance rates will increase by an average of 149 percent.

After the rate hikes, the cheapest firms remained the same: State Farm, Geico, and USAA.

Most affordable Companies that provide auto insurance in Texas after an accident

CompanyAnnual RateMonthly rate
Nationwide$3,768$314
Chubb$3,408$284
Dairyland$3,519$293
Geico$2,214$185
USAA$2,115$176
State Farm$1,294$108
Cheap Car Insurance In Texas

Note: USAA is only for current and former military personnel and their families.

Those drivers who have been in an accident can check out State Farm because the rate change is only $200.

State Farm offers the cheapest auto insurance after a DUI.

Texans who acquire a ticket for driving while intoxicated (DUI) may see their insurance rates jump by 185 percent, from $1,872 before the citation to $3,114 after an accident.

State Farm, Geico, and USAA continue to be the most cost-effective insurance companies for drivers, with premiums that are 36 percent, 16 percent, and 32 percent lower than the state average, respectively.

CompanyAnnual RateMonthly rate
Nationwide$4,839$403
Chubb$4,459$372
Dairyland$2,663$222
Geico$2,607$217
USAA$2,115$176
State Farm$2,001$167
Cheap Car Insurance In Texas

Note: USAA is only for current and former military personnel and their families.

Dairyland Insurance distinguishes its low rate increases following a DUI among other insurers.

For drivers with a DUI, the annual premium from Dairyland is only $14 higher.

State Farm, Geico, and USAA are the cheapest insurers overall in keeping with the state trend.

State Farm is the cheapest auto insurance for people with bad credit.

Many assume that drivers with a poor credit score are more likely to file a claim than those with fair, sound, or excellent credit.

State Farm is the cheapest alternative for bad credit drivers, with an average annual rate of $2,034 for full coverage.

Texas Auto Insurance Companies With The Best Rates For Bad Credit Drivers

CompanyAnnual RateMonthly rate
Nationwide$2,996$250
Chubb$3,408$284
Dairyland$3,301$275
Geico$3,022$252
USAA$2,122$177
State Farm$2,034$169
Cheap Car Insurance In Texas

Note: USAA is only for current and former military personnel and their families.

Because of its inexpensive rates, State Farm is the best alternative for Texas drivers with bad credit.

Texas Has The Cheapest Vehicle Insurance For Young Drivers.

Teenage drivers are more likely to be involved in accidents than adult drivers, making them riskier to insure.

An 18-year-old Texan driver’s minimum coverage premiums are 221 percent higher than a 30-year-old driver’s premiums.

Teen drivers should buy full coverage insurance if at all possible, according to ValuePenguin.

The price difference is enormous: the average annual premium for basic coverage is only $2,136, while the entire spectrum costs $5,099 on average.

On the other hand, teenagers benefit from collision and comprehensive coverage because they are statistically more likely to be jumbled in an accident and require auto repairs.

Cheapest Young Driver Auto Insurance Providers In Texas

Geico has the best rates for minimal coverage for Texans. A year’s worth of coverage costs $1,329, which is $807 less than the state average.

Geico also has the best rates for the complete range, charging teen drivers $3,082 per year.

CompanyAnnual RateMonthly rate
Nationwide$3,762$9,248
Chubb$2,580$5,771
Dairyland$2,580$5,771
Geico$1,329$3,082
USAA$976$2,526
State Farm$1,533$3,246
Cheap Car Insurance In Texas

Note: USAA is only for current and former military personnel and their families.

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