You do not have to go for big companies when it comes to car insurance in Texas. You can find rates that are relatively small from the right companies. We took a look at rates from nine large companies to find the best ones.
If you’re looking for cheap auto insurance in Texas, you’ve come to the right place. We’ve done the hard work of narrowing down the cheapest options in the state so you can easily find affordable car insurance.
Cheap Texas car insurance for good drivers
No accidents or traffic tickets on your driving record? We found that Texas Farm Bureau and Geico had the lowest prices for good drivers among the insurers evaluated by Forbes Advisor. Car Insurance In Texas
Cheap Texas car insurance for drivers who caused with an accident with injury
If you are a Texans driver who has caused an accident that has injured someone, you can expect to pay an average of $845 more per year on your car insurance than drivers who have a good record. However, you may be able to find cheaper rates by shopping around. When it is time to renew your insurance following an accident, get quotes from State Farm and Texas Farm Bureau.
Cheap car insurance in Texas for drivers with a speeding ticket
A speeding ticket in Texas can result in higher rates depending on the insurance company. Texas drivers with an otherwise clean driving record see their rates increase by 11% on average after one speeding ticket, based on an analysis of large insurance companies in the state.
Texas Farm Bureau’s rate for a speeding ticket is the cheapest, about $400 less than the state average. State Farm and Geico also have low increased premiums after a single speeding ticket.
Cheap Texas Car Insurance for Drivers with a DUI
The rates for auto insurance in Texas go up significantly for drivers who have a DUI on their record. The cheapest options among the insurers evaluated are Geico, State Farm, and Southern County Mutual.
Cheap Texas car insurance for drivers with poor credit
Having poor credit in Texas can also cause insurance problems. Insurers see drivers with poor credit as a higher risk, which can mean higher rates. If you don’t have good credit, you pay 62% more for Texas car insurance, on average.
If you have poor credit, shop around. Texas Farm Bureau and Geico had the best rates for Texas motorists with poor credit, among the insurance companies we evaluated. Car Insurance In Texas
Cheap Texas car insurance for adding a teen driver
If you’re a parent in Texas adding your teenager to your car insurance policy, you can expect average rates to more than double. Nationwide has the best average car insurance rates for parents adding teenaged drivers to their policies, but that still comes out to an $803 rate hike on average. If you’re looking for quotes from companies who will provide coverage for your family situation, Nationwide or Texas Farm Bureau are great places to begin your search.
Cheap Texas car insurance for senior drivers age 65+
Insurance companies may charge seniors higher rates as they reach their late 60s. However, some insurers like Texas Farm Bureau and Geico offer superior average rates to seniors compared to other insurers in the state, as evaluated by Forbes Advisor.
This text is discussing ways that you can save money on your car insurance. Taking a mature driver or defensive driver course may help reduce your costs, as well as signing up for a usage-based car insurance program if you don’t use your car very often.
Cheap Texas car insurance for young drivers ages 18 to 25
In general, car insurance companies charge young drivers higher rates because they are less experienced and may be more likely to take risks that could lead to an insurance claim. In Texas, the average premium for a good driver is about $1,200 more than the average premium for a young driver.
Audience: People shopping for car insurance in Texas If you’re shopping for car insurance in Texas, the Texas Farm Bureau and Geico offer the cheapest rates for young drivers. You can also try qualifying for a student car insurance discount if you’re attending college or in school.
Least Expensive Vehicles for Car Insurance in Texas
If you own a certain type of car, you could save money on car insurance. In Texas, some of the most affordable options for car insurance rates are the Honda CR-V LX, the Subaru Forester 2.5i, and the Hyundai Tucson SE. This is based on an average of rates for 50 of the top-selling 2021 model cars.
Cheapest for 30-year-old drivers
Car insurance rates tend to be cheaper for drivers in their 30s than for those in their teens and 20s. However, things like a person’s driving record and the make and model of their car can cause rates to go up. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts that are available.
For full coverage policies, we used the following coverage limits:
- $100,000 bodily injury liability per person.
- $300,000 bodily injury liability per accident.
- $50,000 property damage liability per accident.
- $100,000 uninsured motorist coverage per person.
- $300,000 uninsured motorist coverage per accident.
- Collision coverage with a $1,000 deductible.
- Comprehensive coverage with a $1,000 deductible.
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