CINXE.COM
Cheapest Car Insurance in Texas (November 2024 Rates)
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href="https://www.marketwatch.com/guides/cds/best-ira-cd-rate/" class="megamenu-subcategory-link"> Best IRA CD Rates </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/cds/best-jumbo-cd-rates/" class="megamenu-subcategory-link"> Best Jumbo CD Rates </a> </span> </div> </div> <div class="megamenu-subcategory"> <strong class="megamenu-subcategory-title">Rates From Banks' CD Accounts</strong> <div class="megamenu-subcategory-links columns-1"> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/cds/us-bank-cd-rate/" class="megamenu-subcategory-link"> U.S. Bank CD Rates </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/cds/chase-cd-rates/" class="megamenu-subcategory-link"> Chase Bank CD Rates </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/cds/discover-cd-rates/" class="megamenu-subcategory-link"> Discover CD Rates </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/cds/synchrony-cd-rates/" class="megamenu-subcategory-link"> Synchrony CD Rates </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/cds/pnc-cd-rate/" class="megamenu-subcategory-link"> PNC CD Rates </a> </span> </div> </div> <div class="megamenu-subcategory"> <strong class="megamenu-subcategory-title">Helpful CDs Tools</strong> <div class="megamenu-subcategory-links columns-1"> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/cds/cd-calculator/" class="megamenu-subcategory-link"> CD Calculator </a> </span> </div> </div> </div> <div id="finance-megamenu-192-subcategories" class="megamenu-subcategories columns-2"> <div class="megamenu-subcategory"> <strong class="megamenu-subcategory-title">Banking Articles</strong> <div 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class="megamenu-subcategory-link"> Cheapest Pet Insurance </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/pet-insurance/pet-wellness-plans/" class="megamenu-subcategory-link"> Pet Wellness Plans </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/pet-insurance/pet-dental-insurance/" class="megamenu-subcategory-link"> Pet Dental Insurance </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/pet-insurance/pet-insurance-cost/" class="megamenu-subcategory-link"> Pet Insurance Cost </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/pet-insurance/pet-insurance-that-pays-vet-directly/" class="megamenu-subcategory-link"> Pet Insurance That Pays Vets Directly </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a 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<span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/pet-insurance/spot-pet-insurance-reviews/" class="megamenu-subcategory-link"> Spot Pet Insurance Review </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/pet-insurance/petplan-pet-insurance-reviews/" class="megamenu-subcategory-link"> Fetch Pet Insurance Review </a> </span> <span class="megamenu-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/pet-insurance/embrace-pet-insurance-reviews/" class="megamenu-subcategory-link"> Embrace Pet Insurance Review </a> </span> </div> </div> </div> <div id="insurance-services-megamenu-471-subcategories" class="megamenu-subcategories columns-2"> <div class="megamenu-subcategory"> <strong class="megamenu-subcategory-title">Life Insurance Articles</strong> <div class="megamenu-subcategory-links columns-1"> <span class="megamenu-subcategory-link-wrapper"> <a 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href="https://www.marketwatch.com/guides/business/best-cheap-payroll-services/" class="category-subcategory-link"> Cheapest Payroll Services </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/best-payroll-software-for-accountants/" class="category-subcategory-link"> Best Payroll Software For Accountants </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/best-restaurant-payroll-software/" class="category-subcategory-link"> Best Restaurant Payroll Services </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/adp-payroll-pricing/" class="category-subcategory-link"> ADP Pricing </a> </span> </div> </div> <div class="category-subcategory"> <strong class="category-subcategory-title">Reviews of Top Payroll Service Providers</strong> <div class="category-subcategory-links"> <span 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View all Business resources </a> </div> </div> <div id="mobile-menu-business-501" class="category" data-back-label="Business"> <strong class="category-title">CRM</strong> <div class="category-subcategories"> <div class="category-subcategory"> <strong class="category-subcategory-title">CRM Articles</strong> <div class="category-subcategory-links"> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/best-crm-software/" class="category-subcategory-link"> Best CRM Software </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/best-crm-for-small-business/" class="category-subcategory-link"> Best CRM for Small Businesss </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/best-crm-for-real-estate/" class="category-subcategory-link"> Best Real Estate CRM </a> </span> <span class="category-subcategory-link-wrapper"> <a 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href="https://www.marketwatch.com/guides/business/best-trademark-registration-service/" class="category-subcategory-link"> Best Trademark Registration Services </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/start-llc-florida/" class="category-subcategory-link"> How to Start a Florida LLC </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/start-llc-california/" class="category-subcategory-link"> How to Start a California LLC </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/start-llc-texas/" class="category-subcategory-link"> How to Start a Texas LLC </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/start-llc-ohio/" class="category-subcategory-link"> How to Start a Ohio LLC </a> </span> <span 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class="category-subcategory-link"> Sage Accounting Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/quicken-accounting-review/" class="category-subcategory-link"> Quicken Accounting Review </a> </span> </div> </div> <a href="https://www.marketwatch.com/guides/business" class="vertical-link"> View all Business resources </a> </div> </div> <div id="mobile-menu-business-503" class="category" data-back-label="Business"> <strong class="category-title">Human Resources</strong> <div class="category-subcategories"> <div class="category-subcategory"> <strong class="category-subcategory-title">Human Resources Articles</strong> <div class="category-subcategory-links"> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/business/best-peo-services/" class="category-subcategory-link"> Best PEO Services </a> </span> <span class="category-subcategory-link-wrapper"> <a 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Not all companies, products, or offers were reviewed.</p> </div> </div> </div> </div> <a href="mailto:editors@marketwatchguides.com?subject=In response to: Cheapest Car Insurance in Texas&body=https://www.marketwatch.com/guides/insurance-services/cheapest-car-insurance-texas/" target="_blank" rel="noopener noreferrer" class="editorial-contact-button"> Contact Us</a> </div> </div> <div class="grid"> <div class="c-article-hero-content text-light"> <h1>Cheapest Car Insurance in Texas</h1> <span class="last-update"> <b>Last Updated:</b> <span itemprop="dateModified">Oct 19, 2024</span> </span> <div class="text wysiwyg"> <span style="font-weight: 400;">At $40 per month for minimum coverage, Texas Farm Bureau offers the cheapest auto coverage in the Lone Star State</span> <br><br> <b>Discover if you are overpaying for car insurance below.</b></p> </div> <div class="c-article-hero-conversion light"> <div class="form vertical" data-zip-code-form > <div class="input-wrapper"> <input 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data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg.webp" /><noscript><img width="38" height="38" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" class="attachment-38x38 size-38x38" alt="Daniel Robinson headshot" loading="lazy" decoding="async" data-eio="l" /></noscript> </div> <div class="author-info"> <span class="author-prefix">Written by</span> <span class="author-name"> <a href="https://www.marketwatch.com/guides/authors/daniel-robinson/" target="_blank" class="author-name"> Daniel Robinson </a> <span class="c-author-box"> <span class="author-box-top"> <div class="c-picture author-box-photo"> <img width="65" height="65" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-65x65 size-65x65 lazyload ewww_webp_lazy_load" alt="Daniel Robinson headshot" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg.webp" /><noscript><img width="65" height="65" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" class="attachment-65x65 size-65x65" alt="Daniel Robinson headshot" loading="lazy" decoding="async" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/guides/authors/daniel-robinson/" aria-label="Learn more about Daniel Robinson" title="Learn more about Daniel Robinson" class="c-link "> Learn more about Daniel Robinson</a> </div> <span> <span class="author-box-prefix">Written by</span> <a class="author-box-name" href="https://www.marketwatch.com/guides/authors/daniel-robinson/" target="_blank">Daniel Robinson</a> <span class="author-box-roles">Writer</span> </span> </span> <span class="author-box-description"><p><span style="font-weight: 400;">Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.</span></p> </span> </span> </span> </div> </div> <div class="author"> <div class="c-picture author-photo"> <img width="38" height="38" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-38x38 size-38x38 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg 184w" data-sizes="auto" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg.webp 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg.webp 184w" /><noscript><img width="38" height="38" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg" class="attachment-38x38 size-38x38" alt="" loading="lazy" decoding="async" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg 184w" sizes="(max-width: 38px) 100vw, 38px" data-eio="l" /></noscript> </div> <div class="author-info"> <span class="author-prefix">Edited by</span> <span class="author-name"> <a href="https://www.marketwatch.com/guides/authors/rashawn-mitchner/" target="_blank" class="author-name"> RaShawn Mitchner </a> <span class="c-author-box"> <span class="author-box-top"> <div class="c-picture author-box-photo"> <img width="65" height="65" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-65x65 size-65x65 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg 184w" data-sizes="auto" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg.webp 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg.webp 184w" /><noscript><img width="65" height="65" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg" class="attachment-65x65 size-65x65" alt="" loading="lazy" decoding="async" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg 184w" sizes="(max-width: 65px) 100vw, 65px" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/guides/authors/rashawn-mitchner/" aria-label="Learn more about RaShawn Mitchner" title="Learn more about RaShawn Mitchner" class="c-link "> Learn more about RaShawn Mitchner</a> </div> <span> <span class="author-box-prefix">Edited by</span> <a class="author-box-name" href="https://www.marketwatch.com/guides/authors/rashawn-mitchner/" target="_blank">RaShawn Mitchner</a> <span class="author-box-roles">Senior Editor</span> </span> </span> <span class="author-box-description"><p><span style="font-weight: 400;">RaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on travel, entertainment, household services and more.</span></p> </span> </span> </span> </div> </div> </div> <button class="dropdown-trigger" aria-expanded="false" aria-controls="article-authors-dropdown"> <span> Our Research Process <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </span> </button> </div> </div> <div id="article-authors-dropdown" class="dropdown " > <div class="mobile-authors"> <div class="author"> <div class="c-picture author-photo"> <img width="38" height="38" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-38x38 size-38x38 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg 184w" data-sizes="auto" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg.webp 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg.webp 184w" /><noscript><img width="38" height="38" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg" class="attachment-38x38 size-38x38" alt="" loading="lazy" decoding="async" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg 184w" sizes="(max-width: 38px) 100vw, 38px" data-eio="l" /></noscript> </div> <div class="author-info"> <span class="author-prefix">Edited by</span> <span class="author-name"> <a href="https://www.marketwatch.com/guides/authors/rashawn-mitchner/" target="_blank" class="author-name"> RaShawn Mitchner </a> <span class="c-author-box"> <span class="author-box-top"> <div class="c-picture author-box-photo"> <img width="65" height="65" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-65x65 size-65x65 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg 184w" data-sizes="auto" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg.webp 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg.webp 184w" /><noscript><img width="65" height="65" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg" class="attachment-65x65 size-65x65" alt="" loading="lazy" decoding="async" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg 184w" sizes="(max-width: 65px) 100vw, 65px" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/guides/authors/rashawn-mitchner/" aria-label="Learn more about RaShawn Mitchner" title="Learn more about RaShawn Mitchner" class="c-link "> Learn more about RaShawn Mitchner</a> </div> <span> <span class="author-box-prefix">Edited by</span> <a class="author-box-name" href="https://www.marketwatch.com/guides/authors/rashawn-mitchner/" target="_blank">RaShawn Mitchner</a> <span class="author-box-roles">Senior Editor</span> </span> </span> <span class="author-box-description"><p><span style="font-weight: 400;">RaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on travel, entertainment, household services and more.</span></p> </span> </span> </span> </div> </div> </div> <hr /> <div class="additional-information"> <div class="content"> <div class="title">Our Research Process</div> <div class="text wysiwyg"> <p>Here’s a breakdown of how we reviewed and rated the top auto insurance providers</p> <a href="https://www.marketwatch.com/guides/reviews-team/" aria-label="Learn more about Marketwatch Guides" title="Learn more about Marketwatch Guides" class="c-link "> Learn more about Marketwatch Guides</a> </div> </div> <div class="stats"> <div class="stat"> <span class="value">130</span> <span class="description"> Providers <span class="description-last-word"> Reviewed <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><!--!Font Awesome Pro 6.5.1 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license (Commercial License) Copyright 2024 Fonticons, Inc.--><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">Our team looked at over 100 of the top auto insurance providers in the U.S., from national providers like USAA, Travelers and State Farm to regional providers like Erie Insurance.</div> </span> </div> </span> </span> </div> <div class="stat"> <span class="value">8,500</span> <span class="description"> Data Points <span class="description-last-word"> Analyzed <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><!--!Font Awesome Pro 6.5.1 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license (Commercial License) Copyright 2024 Fonticons, Inc.--><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">To properly score each auto insurance provider, we looked at cost data, claims processes, customer review scores, industry standing, available discounts, coverages and add-ons.</div> </span> </div> </span> </span> </div> <div class="stat"> <span class="value">800</span> <span class="description"> Research <span class="description-last-word"> Hours <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><!--!Font Awesome Pro 6.5.1 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license (Commercial License) Copyright 2024 Fonticons, Inc.--><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">Our team put in the time so you don't have to, evaluating cost data, reading customer reviews and researching companies to determine the most reliable options for coverage.</div> </span> </div> </span> </span> </div> <div class="stat"> <span class="value">12,500</span> <span class="description"> Customers <span class="description-last-word"> Surveyed <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><!--!Font Awesome Pro 6.5.1 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license (Commercial License) Copyright 2024 Fonticons, Inc.--><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">We asked thousands of customers to describe their experience with their auto insurance provider to understand how real customers feel about their insurers.</div> </span> </div> </span> </span> </div> </div> </div> </div> </div> <div class="c-article-body"> <div class="wrapper"> <nav class="c-toc-sidebar"> <strong class="toc-heading">In this Guide:</strong> <button class="toc-toggler"> <span class="c-toc-tracker"> <svg viewBox="0 0 17 13" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0.5 1.37996C0.5 1.29509 0.533714 1.2137 0.593724 1.15369C0.653735 1.09368 0.735127 1.05997 0.819995 1.05997H14.8998C14.9846 1.05997 15.066 1.09368 15.126 1.15369C15.1861 1.2137 15.2198 1.29509 15.2198 1.37996C15.2198 1.46483 15.1861 1.54622 15.126 1.60623C15.066 1.66624 14.9846 1.69996 14.8998 1.69996H0.819995C0.735127 1.69996 0.653735 1.66624 0.593724 1.60623C0.533714 1.54622 0.5 1.46483 0.5 1.37996ZM0.819995 6.81988H6.5799C6.66477 6.81988 6.74616 6.78616 6.80618 6.72615C6.86619 6.66614 6.8999 6.58475 6.8999 6.49988C6.8999 6.41501 6.86619 6.33362 6.80618 6.27361C6.74616 6.2136 6.66477 6.17989 6.5799 6.17989H0.819995C0.735127 6.17989 0.653735 6.2136 0.593724 6.27361C0.533714 6.33362 0.5 6.41501 0.5 6.49988C0.5 6.58475 0.533714 6.66614 0.593724 6.72615C0.653735 6.78616 0.735127 6.81988 0.819995 6.81988ZM7.85988 11.2998H0.819995C0.735127 11.2998 0.653735 11.3335 0.593724 11.3935C0.533714 11.4535 0.5 11.5349 0.5 11.6198C0.5 11.7047 0.533714 11.7861 0.593724 11.8461C0.653735 11.9061 0.735127 11.9398 0.819995 11.9398H7.85988C7.94475 11.9398 8.02614 11.9061 8.08615 11.8461C8.14617 11.7861 8.17988 11.7047 8.17988 11.6198C8.17988 11.5349 8.14617 11.4535 8.08615 11.3935C8.02614 11.3335 7.94475 11.2998 7.85988 11.2998ZM16.4061 11.8462C16.3764 11.8759 16.3411 11.8996 16.3023 11.9157C16.2634 11.9318 16.2218 11.94 16.1798 11.94C16.1377 11.94 16.0961 11.9318 16.0572 11.9157C16.0184 11.8996 15.9831 11.8759 15.9534 11.8462L14.1358 10.0286C13.5598 10.4889 12.8294 10.7112 12.0946 10.6497C11.3598 10.5883 10.6765 10.2478 10.1849 9.69831C9.69332 9.14876 9.43082 8.43185 9.45131 7.6948C9.47181 6.95776 9.77376 6.25654 10.2951 5.73517C10.8165 5.2138 11.5177 4.91186 12.2548 4.89136C12.9918 4.87086 13.7087 5.13337 14.2583 5.62495C14.8078 6.11654 15.1482 6.79989 15.2097 7.53466C15.2711 8.26942 15.0489 8.99982 14.5886 9.57583L16.4061 11.3934C16.4359 11.4231 16.4595 11.4584 16.4756 11.4973C16.4917 11.5361 16.5 11.5777 16.5 11.6198C16.5 11.6619 16.4917 11.7035 16.4756 11.7423C16.4595 11.7812 16.4359 11.8165 16.4061 11.8462ZM12.3398 10.0198C12.7828 10.0198 13.2159 9.88845 13.5843 9.64232C13.9526 9.39619 14.2397 9.04636 14.4093 8.63706C14.5788 8.22776 14.6232 7.77738 14.5367 7.34287C14.4503 6.90836 14.237 6.50923 13.9237 6.19597C13.6104 5.8827 13.2113 5.66937 12.7768 5.58294C12.3423 5.49651 11.8919 5.54087 11.4826 5.7104C11.0733 5.87994 10.7235 6.16704 10.4774 6.5354C10.2312 6.90376 10.0998 7.33684 10.0998 7.77986C10.0998 8.37394 10.3358 8.94368 10.7559 9.36376C11.176 9.78383 11.7457 10.0198 12.3398 10.0198Z" fill="#2E2E2E" stroke="#2E2E2E" stroke-width="0.5"/> </svg> <span data-heading="In This Guide" data-toc-tracker>In This Guide</span> </span> </button> <div class="c-toc-items columns-1"> <a href="#toc-cheapest-car-insurance-companies" class=" active" data-text="Cheapest Car Insurance Companies">Cheapest Car Insurance Companies</a> <a href="#toc-cheapest-car-insurance-coverage" class=" " data-text="Cheapest Car Insurance Coverage">Cheapest Car Insurance Coverage</a> <a href="#toc-cheapest-car-insurance-by-age" class=" " data-text="Cheapest Car Insurance by Age">Cheapest Car Insurance by Age</a> <a href="#toc-cheapest-car-insurance-for-high-risk-drivers" class=" " data-text="Cheapest Car Insurance for High-Risk Drivers">Cheapest Car Insurance for High-Risk Drivers</a> <a href="#toc-cheapest-car-insurance-by-city" class=" " data-text="Cheapest Car Insurance by City">Cheapest Car Insurance by City</a> <a href="#toc-how-to-get-cheap-car-insurance" class=" " data-text="How To Get Cheap Car Insurance">How To Get Cheap Car Insurance</a> <a href="#toc-car-insurance-trends-you-need-to-know" class=" " data-text="Car Insurance Trends You Need To Know">Car Insurance Trends You Need To Know</a> <a href="#toc-car-insurance-requirements" class=" " data-text="Car Insurance Requirements">Car Insurance Requirements</a> <a href="#toc-cheap-auto-insurance-in-texas-the-bottom-line" class=" " data-text="Cheap Auto Insurance in Texas: The Bottom Line">Cheap Auto Insurance in Texas: The Bottom Line</a> <a href="#toc-cheap-car-insurance-in-texas-faq" class="indent-1 " data-text="Cheap Car Insurance in Texas: FAQ">Cheap Car Insurance in Texas: FAQ</a> <a href="#toc-how-we-chose-the-cheapest-car-insurance-in-texas" class="indent-1 " data-text="How We Chose the Cheapest Car Insurance in Texas">How We Chose the Cheapest Car Insurance in Texas</a> </div> </nav> <div class="gutenberg-wrapper"> <div class="gutenberg"><section class="b-key-takeaways background-light-green"> <div class="wrapper"> <div class="title">Key Takeaways</div> <div class="text wysiwyg"> <ul> <li style="font-weight: 400;" aria-level="1"><strong>The cheapest car insurance in Texas is from Texas Farm Bureau at $483 per year for minimum coverage. We found that USAA, State Farm, Geico and Progressive also offer affordable rates for Texas drivers.</strong></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Texas drivers pay an average of $80 per month for minimum coverage and $263 per month for full coverage.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">The best way to get the cheapest rates on Texas auto insurance is to shop around by requesting quotes from multiple providers.</span></li> </ul> </div> </div> </section> <p>Drivers in Texas are paying more for car insurance than ever before after another year of cost increases. But while rates have gone up, you can still find affordable coverage in The Lone Star State if you know where and how to get it.</p> <p>We at the MarketWatch Guides team created this guide to finding the <a href="https://www.marketwatch.com/guides/insurance-services/cheap-car-insurance/" target="_blank" rel="noopener">lowest prices on car insurance</a> in Texas to help you get low-priced auto coverage from quality providers. You’ll find the most affordable providers and rate estimates for a variety of driver and coverage profiles as well as some basic information about Texas auto coverage. We’ve also included a guide from our experts on how to get cheaper car insurance rates.</p> <section class="b-more-articles"> <div class="wrapper"> <button aria-expanded="false" aria-controls="673b414634c20-articles"> <span> More Auto Insurance Articles <i></i> </span> </button> <div id="673b414634c20-articles" class="articles" style="display: none"> <a href="https://www.marketwatch.com/guides/insurance-services/best-car-insurance-texas/" target="_blank" class="article">Best Car Insurance in Texas</a> <a href="https://www.marketwatch.com/guides/insurance-services/average-cost-of-car-insurance-in-texas/" target="_blank" class="article">Average Car Insurance Cost In Texas</a> <a href="https://www.marketwatch.com/guides/insurance-services/compare-car-insurance/" target="_blank" class="article">Compare Car Insurance Quotes</a> <a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-online/" target="_blank" class="article">How To Buy Car Insurance Online</a> <a href="https://www.marketwatch.com/guides/insurance-services/how-much-car-insurance-do-i-need/" target="_blank" class="article">How Much Car Insurance Do I Need?</a> </div> </div> </section> <div class="ad-widget-block" id="threes-cta-widget-block-block_e518d0aa701decc0ed3e9228213aa990"> <style>.ad-widget-block .zip-widget{margin:0 auto;padding-top:50px;text-align:center}.zip-widget .mini-panel-header-section{max-width:450px;margin:0 auto;text-align:center}.ad-widget-block .zip-widget .mini-panel-header{font-size:45px;margin-bottom:12px;line-height:1.1;font-weight:700}.ad-widget-block .zip-widget .mini-panel-subheader{font-size:16px;line-height:1.2}.ad-widget-block .zip-widget a.primary-cta{border:0;display:inline-flex!important;justify-content:center;cursor:pointer;border-radius:30px;font-family:inherit;font-size:16px;font-weight:700;padding:0 25px;text-decoration:none;line-height:52px;height:52px;white-space:nowrap;position:relative}.ad-widget-block .zip-widget .primary-cta:hover{box-shadow:inset 0 0 0 99999px rgba(0,0,0,.2)}.ad-widget-block .zip-widget .primary-cta:active{position:relative;top:1px}.ad-widget-block .zip-widget .zip{text-align:center;margin:40px auto 0;padding:0 15px 50px 15px}.ad-widget-block .zip-widget .zip-code-form{display:grid;grid-template-columns:100%;gap:10px;padding:4px;background:#fff;border-radius:30px}@media (min-width:350px){.ad-widget-block .zip-widget .zip-code-form{display:flex;align-items:center;gap:0;max-width:450px;width:100%;margin:0 auto}}.ad-widget-block .zip-widget .zip-code-input-wrapper{flex:1;display:grid;grid-template-columns:auto 1fr;align-items:center;column-gap:10px;padding-left:15px;color:#000}.ad-widget-block .zip-widget .zip-code-input{box-shadow:none;-webkit-box-shadow:none;border:0;border-radius:30px;font-size:16px;padding:8px;height:42px}.ad-widget-block .zip-widget .zip-code-input::placeholder{color:#000}@media (min-width:350px){.ad-widget-block .zip-widget .zip-code-input{width:100%}}.ad-widget-block .zip-widget .zip-code-input:invalid{background-color:ivory;border:none;outline:2px solid red}.ad-widget-block .zip-widget .text-under-cta{margin-top:10px;position:absolute;top:100%;pointer-events:none}@media (max-width:650px){.ad-widget-block .zip-widget .text-under-cta{right:0}}.ad-widget-block .zip-widget .disclaimer-text{margin-top:50px}.zip-widget .zip-code-input:focus{outline:0}.zip-widget .error-message{display:block;margin-bottom:15px;font-size:14px;line-height:16px}.ad-widget-block .zip-widget .phone{display:block;margin-top:20px;font-size:24px}.ad-widget-block .zip-widget .phone svg{width:1em;margin-left:5px}.ad-widget-block .zip-widget #phone-mobile-container{display:none}@media (max-width:600px){.ad-widget-block .zip-widget{background-size:cover;background-position:center}.ad-widget-block .zip-widget .phone{display:none}.ad-widget-block .zip-widget #phone-mobile-container{display:block;text-align:center;padding:10px 0}.ad-widget-block .zip-widget #phone-mobile-container .phone{display:inline;font-size:15px;color:#fff}}@media (max-width:480px){.ad-widget-block .zip-widget .mini-panel-header{padding-top:40px}.ad-widget-block .zip-widget .mini-panel-subheader{padding-bottom:30px;padding-top:3px}.ad-widget-block .zip-widget #zip-code{padding:8px}.ad-widget-block .zip-widget #phone-mobile-container .phone{font-size:18px}}@media (max-width:420px){.ad-widget-block .zip-widget .mini-panel-header-section{padding:0 15px}}</style><style> :root{ --advanced-cta-btn-shadow-color: rgba(0, 0, 0, 0.24) !important; } </style><style> #widget-63756-1 .cta-button {background-color: #3ba14a;color: #ffffff;} #widget-63756-1 .cta-button:hover {background-color: #3ba14a;color: #ffffff;} #widget-63756-1 { background: url(https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/05/8542add0-512c-4a46-94ff-8b295fbea12f.png) no-repeat; background-size: cover; background-position: center bottom; border: 1px solid #c7c3c3; box-shadow: unset; @media (max-width: 992px) { background: url(https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/05/8542add0-512c-4a46-94ff-8b295fbea12f.png) no-repeat; background-position: center bottom; } } #widget-63756-1 .mini-panel-header{ color: #ffffff; font-size: 45px; } #widget-63756-1 .mini-panel-subheader{ color:#ffffff; font-size: 16px; } #widget-63756-1 .error-message{ color:#ffffff; } #widget-63756-1 .text-under-cta{ color:#ffffff; font-size: 14px; } #widget-63756-1 .disclaimer-text{ color:#ffffff; font-size: 18px; } #widget-63756-1 .phone{ color: #3ba14a; } #widget-63756-1 .phone-container { color: #ffffff; background-color: #3ba14a; } #widget-63756-1 .phone-container:hover { color: #ffffff; background-color: #3ba14a; } #widget-63756-1 a.primary-cta{ box-shadow: 0 0 6px #3ba14a; } </style> <div id="widget-63756-1" class="zip-widget"> <div class="mini-panel widget-height"> <div class="mini-panel-header-section"> <div class="mini-panel-header"> Compare Car Insurance Rates </div> <div class="mini-panel-subheader"> Get matched with a top provider and compare instant quotes in just a few clicks </div> </div> <div class="zip"> <p class="error-message" id="error-1"></p> <div class="zip-code-form"> <div class="zip-code-input-wrapper"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.05 13.9499L3.65 11.3499C3.46667 11.2666 3.3125 11.1416 3.1875 10.9749C3.0625 10.8082 3 10.6166 3 10.3999C3 10.1832 3.05833 9.99157 3.175 9.8249C3.29167 9.65824 3.45 9.53324 3.65 9.4499L18.95 3.7749C19.15 3.69157 19.3417 3.6749 19.525 3.7249C19.7083 3.7749 19.8667 3.86657 20 3.9999C20.1333 4.13324 20.225 4.29157 20.275 4.4749C20.325 4.65824 20.3083 4.8499 20.225 5.0499L14.55 20.3499C14.4667 20.5666 14.3375 20.7291 14.1625 20.8374C13.9875 20.9457 13.8083 20.9999 13.625 20.9999C13.4417 20.9999 13.2583 20.9457 13.075 20.8374C12.8917 20.7291 12.75 20.5666 12.65 20.3499L10.05 13.9499ZM13.55 17.2999L17.6 6.3999L6.7 10.4499L11.6 12.3999L13.55 17.2999Z" fill="currentColor" /> </svg> <input type="tel" class="zip-code-input" id="zip-code-1" placeholder="Zip Code"> </div> <a id="zip-code-get-quotes-1" class="cta-button primary-cta " data-unique-id="mw-zw" data-segment-action="Link Clicked" rel="nofollow sponsored" href="https://marketwatch.everquote.com/form/?tid=2777&zip_code={zip_code}&subid=organic&subid2=mw&subid3=insurance-services_cheapest-car-insurance-texas-mw-zw_{device_type}_brandcta-{segment_id}" target="_blank"target="blank"> Check Availability </a> </div> <div class="disclaimer-text"> <p>With one of our trusted comparison partners</p> </div> </div> </div> </div> </div> <h2 class="wp-block-heading" id="toc-cheapest-car-insurance-companies">Cheapest Car Insurance Companies in Texas</h2> <p><strong>According to Quadrant Information Services, Texas Farm Bureau has the cheapest auto insurance for Texas drivers</strong>. You’ll find the rest of the top five cheapest auto insurers in the Lone Star State and their minimum- and full-coverage rate estimates in the table below.</p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table><thead><tr><th>Cheapest Car Insurance Company in Texas</th><th>Average Monthly Minimum-Coverage Rate</th><th>Average Monthly Full-Coverage Rate</th></tr></thead><tbody><tr><td>Texas Farm Bureau</td><td>$40</td><td>$119</td></tr><tr class="even"><td>USAA</td><td>$52</td><td>$189</td></tr><tr><td>State Farm</td><td>$50</td><td>$190</td></tr><tr class="even"><td>Geico</td><td>$63</td><td>$195</td></tr><tr><td>Progressive</td><td>$74</td><td>$209</td></tr></tbody></table><figcaption class="wp-element-caption"><em>*Rates are for a 35-year-old driver with good credit and no driving violations who is insuring a 2023 Toyota Camry</em></figcaption></figure> <div class="c-pagination hidden" data-per-page="10"> <button class="pagination-prev hidden"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><!--!Font Awesome Free 6.5.2 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2024 Fonticons, Inc.--><path d="M9.4 233.4c-12.5 12.5-12.5 32.8 0 45.3l192 192c12.5 12.5 32.8 12.5 45.3 0s12.5-32.8 0-45.3L77.3 256 246.6 86.6c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0l-192 192z" fill="currentColor" /></svg></button> <div> Page <span class="pagination-current">1</span> of <span class="pagination-total"></span> </div> <button class="pagination-next"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><!--!Font Awesome Free 6.5.1 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2024 Fonticons, Inc.--><path d="M310.6 233.4c12.5 12.5 12.5 32.8 0 45.3l-192 192c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3L242.7 256 73.4 86.6c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l192 192z" fill="currentColor" /></svg></button> </div> </div> <section class="b-accordion"> <div class="wrapper"> <div class="c-accordion style-default"> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="673b414641435-accordion-content-0" id="673b414641435-accordion-trigger-0"> <span> <h3 class="accordion-trigger-text">How We Chose the Best Cheap Car Insurance Companies in Texas</h3> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="673b414641435-accordion-content-0" role="region" aria-labelledby="673b414641435-accordion-trigger-0" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">Our mission at the MarketWatch Guides team is to provide you with the information you need to help you make the right decision about your auto policy. We do that by conducting extensive research to assess the costs and quality of dozens of auto insurance companies. Here’s what’s involved in our process:</span></p> <ul> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Scouring more than 40 million lines of national and state-level rate estimate data from Quadrant Information Services, using a standardized profile of a 35-year-old driver with good credit and a clean record covering a 2023 Toyota Camry for consistency.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Using rate data based on specific state requirements for minimum-liability policies and standard coverage limits of $50,000 per person/$100,000 per accident in bodily injury coverage, $50,000 per person in property damage coverage, a $500 comprehensive coverage deductible and a $500 collision coverage deductible for full-coverage policies.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Analyzing 134 car insurance providers using a standardized review process comprising more than 80 data points across five evaluation categories.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Revisiting and re-evaluating companies regularly throughout the year using this process.</span></li> </ul> <p><span style="font-weight: 400;">Click the following link to learn about our <a href="#toc-how-we-chose-the-cheapest-car-insurance-in-texas">methodology</a> in more detail.</span></p> <p>Learn more about our <a href="https://www.marketwatch.com/guides/insurance-services/auto-insurance-review-methodology/" target="_blank" rel="noreferrer noopener">methodology</a> and <a href="https://www.marketwatch.com/guides/editorial-guidelines/" target="_blank" rel="noreferrer noopener">editorial guidelines</a>.</p> </div></div> </div> </div> </div> </section> <h3 class="wp-block-heading subheading">Cheapest Car Insurance Rates in Texas</h3> <p>Texas Farm Bureau has the lowest rates for Texas drivers in all of the major categories we researched. You’ll find a summary look at each of those categories and the rates Texas Farm Bureau offers in the table below.</p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table><thead><tr><th>Cheap Texas Car Insurance Company by Category</th><th>Lowest Average Monthly Texas Car Insurance Rate</th></tr></thead><tbody><tr><td>Cheapest for Young Drivers (16-25): <strong>Texas Farm Bureau</strong></td><td>$54*</td></tr><tr class="even"><td>Cheapest for Adults (35-55): <strong>Texas Farm Bureau</strong></td><td>$36*</td></tr><tr><td>Cheapest for Seniors (65-75): <strong>Texas Farm Bureau</strong></td><td>$36*</td></tr><tr class="even"><td>Cheapest for After a Speeding Ticket: <strong>Texas Farm Bureau</strong></td><td>$40**</td></tr><tr><td>Cheapest for After an Accident: <strong>Texas Farm Bureau</strong></td><td>$69**</td></tr><tr class="even"><td>Cheapest for After a DUI: <strong>Texas Farm Bureau</strong></td><td>$95**</td></tr><tr><td>Cheapest for Bad Credit: <strong>Texas Farm Bureau</strong></td><td>$85***</td></tr></tbody></table><figcaption class="wp-element-caption"><em>*Rates refer to the lowest average minimum-coverage rate for the entire age group collectively for those with good credit, no driving violations and who own a 2023 Toyota Camry.<br>**Rates refer to the lowest average minimum-coverage rate for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.<br>***Rates refer to the lowest average minimum-coverage rate for a 35-year-old driver with no driving violations who owns a 2023 Toyota Camry.</em></figcaption></figure> <div class="c-pagination hidden" data-per-page="10"> <button class="pagination-prev hidden"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><!--!Font Awesome Free 6.5.2 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2024 Fonticons, Inc.--><path d="M9.4 233.4c-12.5 12.5-12.5 32.8 0 45.3l192 192c12.5 12.5 32.8 12.5 45.3 0s12.5-32.8 0-45.3L77.3 256 246.6 86.6c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0l-192 192z" fill="currentColor" /></svg></button> <div> Page <span class="pagination-current">1</span> of <span class="pagination-total"></span> </div> <button class="pagination-next"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><!--!Font Awesome Free 6.5.1 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2024 Fonticons, Inc.--><path d="M310.6 233.4c12.5 12.5 12.5 32.8 0 45.3l-192 192c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3L242.7 256 73.4 86.6c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l192 192z" fill="currentColor" /></svg></button> </div> </div> <section class="b-accordion"> <div class="wrapper"> <div class="c-accordion style-default"> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="true" class="accordion-trigger" aria-controls="673b41464211b-accordion-content-0" id="673b41464211b-accordion-trigger-0"> <span> <h4 class="accordion-trigger-text">Learn More Specifics About the Cheapest Car Insurance</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="673b41464211b-accordion-content-0" role="region" aria-labelledby="673b41464211b-accordion-trigger-0" class="accordion-content active" style="display: block;" ><div class="wysiwyg"><p><span style="font-weight: 400;">Car insurance premiums are tailored to each individual. We’ve listed a few specific cheap car insurance guides below to help you find rate estimates and providers for drivers like yourself.</span></p> <ul> <li><a href="https://www.marketwatch.com/guides/insurance-services/military-car-insurance/" target="_blank" rel="noopener">Best Cheap Car Insurance for Military</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/teacher-car-insurance/" target="_blank" rel="noopener">Best Cheap Car Insurance for Teachers</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-no-credit-history/" target="_blank" rel="noopener">Best Cheap Car Insurance With No Credit History</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/low-mileage-car-insurance/" target="_blank" rel="noopener">Best Cheap Low-Mileage Car Insurance</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-for-women/" target="_blank" rel="noopener">Best Cheap Car Insurance for Women</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/best-home-and-auto-insurance/" target="_blank" rel="noopener">Best Cheap Home and Auto Insurance</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/auto-and-motorcycle-insurance/" target="_blank" rel="noopener">Best Cheap Auto and Motorcycle Insurance</a></li> </ul> </div></div> </div> </div> </div> </section> <hr class="wp-block-separator has-alpha-channel-opacity"/> <section class="b-tabbed-content background-white" id="toc-cheapest-car-insurance-coverage"> <div class="wrapper"> <h2 class="heading">Cheapest Car Insurance Coverage in Texas</h2> <div class="text wysiwyg"><p><span style="font-weight: 400;">The primary factor in determining the cost of your car insurance policy is the type of coverage you purchase. Minimum-coverage policies are always cheaper than full-coverage insurance, but will leave you at significant financial risk.</span></p> <p><span style="font-weight: 400;">In the following section, we detail the most affordable auto insurance providers in Texas for different types of coverage and their estimated rates.</span></p> </div> <div class="tabs"> <div class="c-tablist style-line mobile"> <button class="tablist-mobile-trigger" aria-expanded="false" aria-controls="673b414645770-tablist-mobile"> <span> <span class="tablist-mobile-trigger-label">Cheapest Liability Car Insurance in Texas: Texas Farm Bureau</span> <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </span> </button> <div id="673b414645770-tablist-mobile" class="tablist-mobile"> <button role="tab" aria-selected="true" aria-controls="673b414645770-tabpanel-0" class="tab-mobile"> Cheapest Liability Car Insurance in Texas: Texas Farm Bureau </button> <button role="tab" aria-selected="false" aria-controls="673b414645770-tabpanel-1" class="tab-mobile"> Cheapest Full-Coverage Car Insurance in Texas: Texas Farm Bureau </button> </div> <div role="tablist" class="tablist"> <button id="673b414645770-tab-0" type="button" role="tab" aria-selected="true" aria-controls="673b414645770-tabpanel-0" class="tab" > <h3 class="tab-wrapper"> <span class="tab-title">Cheapest Liability Car Insurance in Texas: Texas Farm Bureau</span> </h3> </button> <button id="673b414645770-tab-1" type="button" role="tab" aria-selected="false" aria-controls="673b414645770-tabpanel-1" class="tab" > <h3 class="tab-wrapper"> <span class="tab-title">Cheapest Full-Coverage Car Insurance in Texas: Texas Farm Bureau</span> </h3> </button> </div> </div> <div class="tabpanels"> <div id="673b414645770-tabpanel-0" role="tabpanel" tabindex="0" aria-labelledby="673b414645770-tab-0" class="tabpanel active"> <div class="text "> <div class="wysiwyg"><p><b>Texas Average Minimum-Coverage Cost: </b><span style="font-weight: 400;">$80 per month</span></p> <p><span style="font-weight: 400;">Texas Farm Bureau has the cheapest minimum-coverage rates for Texas drivers at $40 per month. This is half as expensive as the state average for liability-only car insurance.</span></p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table dir="ltr" border="1" cellspacing="0" cellpadding="0" data-sheets-root="1" data-sheets-baot="1"> <colgroup> <col width="100"> <col width="100"> <col width="100"></colgroup> <thead> <tr> <th><b>Cheapest Texas Car Insurance Company</b></th> <th><b>Average Monthly Minimum-Coverage Rate</b></th> <th><b>Monthly Savings Compared to the Texas Average</b></th> </tr> </thead> <tbody> <tr class="even"> <td><span style="font-weight: 400;">1. Texas Farm Bureau</span></td> <td><span style="font-weight: 400;">$40</span></td> <td><span style="font-weight: 400;">$40</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">2. State Farm</span></td> <td><span style="font-weight: 400;">$50</span></td> <td><span style="font-weight: 400;">$30</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">3. USAA</span></td> <td><span style="font-weight: 400;">$52</span></td> <td><span style="font-weight: 400;">$28</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">4. Geico</span></td> <td><span style="font-weight: 400;">$63</span></td> <td><span style="font-weight: 400;">$17</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">5. Progressive</span></td> <td><span style="font-weight: 400;">$74</span></td> <td><span style="font-weight: 400;">$6</span></td> </tr> </tbody> </table></figure> </div> <p><i><span style="font-weight: 400;">*Rates are for a 35-year-old driver with good credit and no driving violations who owns a 2023 Toyota Camry. </span></i></p> <p><b>Read more:</b> <a href="https://www.marketwatch.com/guides/insurance-services/cheapest-liability-car-insurance/" target="_blank" rel="noopener"><span style="font-weight: 400;">Cheapest Liability-Only Car Insurance</span></a></p> </div> </div> </div> <div id="673b414645770-tabpanel-1" role="tabpanel" tabindex="0" aria-labelledby="673b414645770-tab-1" class="tabpanel "> <div class="text "> <div class="wysiwyg"><p><b>State Average Full-Coverage Cost:</b><span style="font-weight: 400;"> $263 per month</span></p> <p><span style="font-weight: 400;">The cheapest full-coverage car insurance also comes from Texas Farm Bureau at $119 per month — $144 less expensive than the state average per month.</span></p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table dir="ltr" border="1" cellspacing="0" cellpadding="0" data-sheets-root="1" data-sheets-baot="1"> <colgroup> <col width="100"> <col width="100"> <col width="100"></colgroup> <thead> <tr> <th><b>Cheapest Texas Car Insurance Company</b></th> <th><b>Average Monthly Full-Coverage Rate</b></th> <th><b>Monthly Savings Compared to the Texas Average</b></th> </tr> </thead> <tbody> <tr class="even"> <td><span style="font-weight: 400;">1. Texas Farm Bureau</span></td> <td><span style="font-weight: 400;">$119</span></td> <td><span style="font-weight: 400;">$144</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">2. USAA</span></td> <td><span style="font-weight: 400;">$189</span></td> <td><span style="font-weight: 400;">$74</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">3. State Farm</span></td> <td><span style="font-weight: 400;">$190</span></td> <td><span style="font-weight: 400;">$73</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">4. Geico</span></td> <td><span style="font-weight: 400;">$195</span></td> <td><span style="font-weight: 400;">$68</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">5. Progressive</span></td> <td><span style="font-weight: 400;">$209</span></td> <td><span style="font-weight: 400;">$54</span></td> </tr> </tbody> </table></figure> </div> <p><i><span style="font-weight: 400;">*Rates are for a 35-year-old driver with good credit and no driving violations</span></i> <i><span style="font-weight: 400;">who owns a 2023 Toyota Camry.</span></i></p> <p><b>Read more:</b> <a href="https://www.marketwatch.com/guides/insurance-services/cheapest-full-coverage-car-insurance/" target="_blank" rel="noopener"><span style="font-weight: 400;">Cheapest Full-Coverage Car Insurance</span></a></p> </div> </div> </div> </div> </div> </div> </section> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-cheapest-car-insurance-by-age">Cheapest Car Insurance by Age in Texas</h2> <p>After coverage, age is the single most influential factor in your auto premium. Younger drivers and especially teenage drivers pay substantially higher rates on average than older drivers.</p> <p>In the following section, we go over the cheapest providers and rates for Texas drivers in different age groups.</p> <section class="b-accordion"> <div class="wrapper"> <div class="c-accordion style-default"> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="true" class="accordion-trigger" aria-controls="673b4146469ba-accordion-content-0" id="673b4146469ba-accordion-trigger-0"> <span> <h3 class="accordion-trigger-text">Learn More Specifics About the Cheapest Car Insurance by Age</h3> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="673b4146469ba-accordion-content-0" role="region" aria-labelledby="673b4146469ba-accordion-trigger-0" class="accordion-content active" style="display: block;" ><div class="wysiwyg"><p><span style="font-weight: 400;">Check out the links below for full-length cheap auto insurance guides for drivers of different ages.</span></p> <ul> <li><a href="https://www.marketwatch.com/guides/insurance-services/best-car-insurance-for-teens-and-young-drivers/" target="_blank" rel="noopener">Best Cheap Car Insurance for Young Drivers</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/cheap-car-insurance-for-seniors/" target="_blank" rel="noopener">Best Cheap Car Insurance for Seniors</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/cheap-car-insurance-teens/" target="_blank" rel="noopener">Best Cheap Car Insurance for Teens</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/cheap-car-insurance-young-adults/" target="_blank" rel="noopener">Best Cheap Car Insurance for Young Adults</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/best-car-insurance-for-college-students/" target="_blank" rel="noopener">Best Cheap Car Insurance for College Students</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-for-kids/" target="_blank" rel="noopener">Best Cheap Car Insurance for Kids</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/best-car-insurance-16-year-olds/" target="_blank" rel="noopener">Best Cheap Car Insurance for 16-Year-Olds</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/best-car-insurance-17-year-olds/" target="_blank" rel="noopener">Best Cheap Car Insurance for 17-Year-Olds</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/best-car-insurance-18-year-olds/" target="_blank" rel="noopener">Best Cheap Car Insurance for 18-Year-Olds</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/best-car-insurance-19-year-olds/" target="_blank" rel="noopener">Best Cheap Car Insurance for 19-Year-Olds</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/best-car-insurance-20-year-olds/" target="_blank" rel="noopener">Best Cheap Car Insurance for 20-Year-Olds</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/best-car-insurance-21-year-olds/" target="_blank" rel="noopener">Best Cheap Car Insurance for 21-Year-Olds</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/best-car-insurance-25-year-olds/" target="_blank" rel="noopener">Best Cheap Car Insurance for 25-Year-Olds</a></li> <li><a href="https://www.marketwatch.com/guides/insurance-services/best-car-insurance-50-year-olds/" target="_blank" rel="noopener">Best Cheap Car Insurance for 50-Year-Olds</a></li> </ul> </div></div> </div> </div> </div> </section> <section class="b-tabbed-content background-white"> <div class="wrapper"> <div class="tabs"> <div class="c-tablist style-line mobile"> <button class="tablist-mobile-trigger" aria-expanded="false" aria-controls="673b414648df4-tablist-mobile"> <span> <span class="tablist-mobile-trigger-label">Cheapest Texas Auto Insurance for Young Drivers: Texas Farm Bureau</span> <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </span> </button> <div id="673b414648df4-tablist-mobile" class="tablist-mobile"> <button role="tab" aria-selected="true" aria-controls="673b414648df4-tabpanel-0" class="tab-mobile"> Cheapest Texas Auto Insurance for Young Drivers: Texas Farm Bureau </button> <button role="tab" aria-selected="false" aria-controls="673b414648df4-tabpanel-1" class="tab-mobile"> Cheapest Texas Auto Insurance for Adults: Texas Farm Bureau </button> <button role="tab" aria-selected="false" aria-controls="673b414648df4-tabpanel-2" class="tab-mobile"> Cheapest Texas Auto Insurance for Seniors: Texas Farm Bureau </button> </div> <div role="tablist" class="tablist"> <button id="673b414648df4-tab-0" type="button" role="tab" aria-selected="true" aria-controls="673b414648df4-tabpanel-0" class="tab" > <h3 class="tab-wrapper"> <span class="tab-title">Cheapest Texas Auto Insurance for Young Drivers: Texas Farm Bureau</span> </h3> </button> <button id="673b414648df4-tab-1" type="button" role="tab" aria-selected="false" aria-controls="673b414648df4-tabpanel-1" class="tab" > <h3 class="tab-wrapper"> <span class="tab-title">Cheapest Texas Auto Insurance for Adults: Texas Farm Bureau</span> </h3> </button> <button id="673b414648df4-tab-2" type="button" role="tab" aria-selected="false" aria-controls="673b414648df4-tabpanel-2" class="tab" > <h3 class="tab-wrapper"> <span class="tab-title">Cheapest Texas Auto Insurance for Seniors: Texas Farm Bureau</span> </h3> </button> </div> </div> <div class="tabpanels"> <div id="673b414648df4-tabpanel-0" role="tabpanel" tabindex="0" aria-labelledby="673b414648df4-tab-0" class="tabpanel active"> <div class="text "> <div class="wysiwyg"><p><b>Texas Minimum-Coverage Average for Young Drivers:</b><span style="font-weight: 400;"> $200 per month<br /> </span><b>Texas Full-Coverage Average for Young Drivers:</b><span style="font-weight: 400;"> $412 per month</span></p> <p><span style="font-weight: 400;">Texas Farm Bureau is the cheapest car insurance company for young drivers in the state of Texas, with a combined average rate for drivers aged 16 to 25 of $84 per month for minimum coverage.</span></p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table dir="ltr" border="1" cellspacing="0" cellpadding="0" data-sheets-root="1" data-sheets-baot="1"> <colgroup> <col width="100"> <col width="100"> <col width="100"></colgroup> <thead> <tr> <th><b>Cheapest Texas Car Insurance Company</b></th> <th><b>Average Monthly Minimum-Coverage Rate</b></th> <th><b>Average Monthly Full-Coverage Rate</b></th> </tr> </thead> <tbody> <tr class="even"> <td><span style="font-weight: 400;">1. Texas Farm Bureau</span></td> <td><span style="font-weight: 400;">$84</span></td> <td><span style="font-weight: 400;">$196</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">2. USAA</span></td> <td><span style="font-weight: 400;">$110</span></td> <td><span style="font-weight: 400;">$324</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">3. Geico</span></td> <td><span style="font-weight: 400;">$134</span></td> <td><span style="font-weight: 400;">$366</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">4. State Farm</span></td> <td><span style="font-weight: 400;">$134</span></td> <td><span style="font-weight: 400;">$429</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">5. AAA</span></td> <td><span style="font-weight: 400;">$210</span></td> <td><span style="font-weight: 400;">$508</span></td> </tr> </tbody> </table></figure> </div> <p><i><span style="font-weight: 400;">*Rates are for 16- to 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.</span></i></p> </div> </div> </div> <div id="673b414648df4-tabpanel-1" role="tabpanel" tabindex="0" aria-labelledby="673b414648df4-tab-1" class="tabpanel "> <div class="text "> <div class="wysiwyg"><p><b>Texas Minimum-Coverage Average for Adults:</b><span style="font-weight: 400;"> $75 per month<br /> </span><b>Texas Full-Coverage Average for Adults:</b><span style="font-weight: 400;"> $239 per month</span></p> <p><span style="font-weight: 400;">For adult drivers in Texas, Texas Farm Bureau is also the cheapest auto insurer with a combined average minimum-coverage rate of $39 per month for drivers ages 35 through 55.</span></p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table dir="ltr" border="1" cellspacing="0" cellpadding="0" data-sheets-root="1" data-sheets-baot="1"> <colgroup> <col width="100"> <col width="100"> <col width="100"></colgroup> <thead> <tr> <th><b>Cheapest Texas Car Insurance Company</b></th> <th><b>Average Monthly Minimum-Coverage Rate</b></th> <th><b>Average Monthly Full-Coverage Rate</b></th> </tr> </thead> <tbody> <tr class="even"> <td><span style="font-weight: 400;">1. Texas Farm Bureau</span></td> <td><span style="font-weight: 400;">$39</span></td> <td><span style="font-weight: 400;">$113</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">2. USAA</span></td> <td><span style="font-weight: 400;">$50</span></td> <td><span style="font-weight: 400;">$176</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">3. State Farm</span></td> <td><span style="font-weight: 400;">$50</span></td> <td><span style="font-weight: 400;">$183</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">4. Geico</span></td> <td><span style="font-weight: 400;">$63</span></td> <td><span style="font-weight: 400;">$189</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">5. Progressive</span></td> <td><span style="font-weight: 400;">$70</span></td> <td><span style="font-weight: 400;">$197</span></td> </tr> </tbody> </table></figure> </div> <p><i><span style="font-weight: 400;">*Rates are for 35- to 55-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.</span></i></p> </div> </div> </div> <div id="673b414648df4-tabpanel-2" role="tabpanel" tabindex="0" aria-labelledby="673b414648df4-tab-2" class="tabpanel "> <div class="text "> <div class="wysiwyg"><p><b>Texas Minimum-Coverage Average for Seniors: </b><span style="font-weight: 400;">$84 per month<br /> </span><b>Texas Full-Coverage Average for Seniors: </b><span style="font-weight: 400;">$244 per month</span></p> <p><span style="font-weight: 400;">Texas Farm Bureau is the cheapest auto insurance provider for senior drivers in Texas as well, with an average minimum-coverage estimate of $39 per month for drivers ages 65 to 75.</span></p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table dir="ltr" border="1" cellspacing="0" cellpadding="0" data-sheets-root="1" data-sheets-baot="1"> <colgroup> <col width="100"> <col width="100"> <col width="100"></colgroup> <thead> <tr> <th><b>Cheapest Texas Car Insurance Company</b></th> <th><b>Average Monthly Minimum-Coverage Rate</b></th> <th><b>Average Monthly Full-Coverage Rate</b></th> </tr> </thead> <tbody> <tr class="even"> <td><span style="font-weight: 400;">1. Texas Farm Bureau</span></td> <td><span style="font-weight: 400;">$39</span></td> <td><span style="font-weight: 400;">$103</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">2. State Farm</span></td> <td><span style="font-weight: 400;">$52</span></td> <td><span style="font-weight: 400;">$178</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">3. USAA</span></td> <td><span style="font-weight: 400;">$63</span></td> <td><span style="font-weight: 400;">$192</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">4. Geico</span></td> <td><span style="font-weight: 400;">$73</span></td> <td><span style="font-weight: 400;">$185</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">5. Progressive</span></td> <td><span style="font-weight: 400;">$77</span></td> <td><span style="font-weight: 400;">$208</span></td> </tr> </tbody> </table></figure> </div> <p><i><span style="font-weight: 400;">*Rates are for 65- to 75-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry. </span></i></p> </div> </div> </div> </div> </div> </div> </section> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-cheapest-car-insurance-for-high-risk-drivers">Cheapest Car Insurance for High-Risk Drivers in Texas</h2> <p>Traffic accidents, moving violations and, in Texas, a less-than-stellar credit score can put you in the “high-risk” category of drivers in insurers’ eyes. Drivers in this category often pay far more than those with clean records and good credit.</p> <p>In the following section, we go over the cheapest providers and their rates for different high-risk drivers in Texas.</p> <section class="b-tip"> <div class="wrapper"> <div class="box"> <div class="c-picture box-icon"> <img decoding="async" width="640" height="640" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAoAAAAKAAQAAAAAktvSOAAAAAnRSTlMAAHaTzTgAAABISURBVHja7cEBAQAAAIIg/69uSEABAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHwZyoAAAWA8y4gAAAAASUVORK5CYII=" class="attachment-full size-full lazyload" alt="" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2021/11/car-crash-svgrepo-com.svg" data-eio-rwidth="640" data-eio-rheight="640" /><noscript><img decoding="async" width="640" height="640" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2021/11/car-crash-svgrepo-com.svg" class="attachment-full size-full" alt="" loading="lazy" data-eio="l" /></noscript> </div> <span class="box-title">MarketWatch Guides Tip</span> </div> <div class="text wysiwyg"> <p><span style="font-weight: 400;">While marks on your driving history will likely increase your rates, most will go away over time. Lighter violations like a speeding ticket tend to disappear from your record within three years. However, in Texas, a DWI can stay on your record permanently.</span></p> <p><b>Read more:</b> <a href="https://www.marketwatch.com/guides/insurance-services/best-high-risk-auto-insurance-companies/" target="_blank" rel="noopener"><span style="font-weight: 400;">Best Car Insurance for High-Risk Drivers</span></a></p> </div> </div> </section> <section class="b-tabbed-content background-white"> <div class="wrapper"> <div class="tabs"> <div class="c-tablist style-line mobile"> <button class="tablist-mobile-trigger" aria-expanded="false" aria-controls="673b41464d976-tablist-mobile"> <span> <span class="tablist-mobile-trigger-label">Cheapest Texas Auto Insurance for Bad Credit: Texas Farm Bureau</span> <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </span> </button> <div id="673b41464d976-tablist-mobile" class="tablist-mobile"> <button role="tab" aria-selected="true" aria-controls="673b41464d976-tabpanel-0" class="tab-mobile"> Cheapest Texas Auto Insurance for Bad Credit: Texas Farm Bureau </button> <button role="tab" aria-selected="false" aria-controls="673b41464d976-tabpanel-1" class="tab-mobile"> Cheapest Texas Auto Insurance After a DUI: Texas Farm Bureau </button> <button role="tab" aria-selected="false" aria-controls="673b41464d976-tabpanel-2" class="tab-mobile"> Cheapest Texas Auto Insurance After an Accident: Texas Farm Bureau </button> <button role="tab" aria-selected="false" aria-controls="673b41464d976-tabpanel-3" class="tab-mobile"> Cheapest Texas Auto Insurance After a Speeding Ticket: Texas Farm Bureau </button> </div> <div role="tablist" class="tablist"> <button id="673b41464d976-tab-0" type="button" role="tab" aria-selected="true" aria-controls="673b41464d976-tabpanel-0" class="tab" > <h3 class="tab-wrapper"> <span class="tab-title">Cheapest Texas Auto Insurance for Bad Credit: Texas Farm Bureau</span> </h3> </button> <button id="673b41464d976-tab-1" type="button" role="tab" aria-selected="false" aria-controls="673b41464d976-tabpanel-1" class="tab" > <h3 class="tab-wrapper"> <span class="tab-title">Cheapest Texas Auto Insurance After a DUI: Texas Farm Bureau</span> </h3> </button> <button id="673b41464d976-tab-2" type="button" role="tab" aria-selected="false" aria-controls="673b41464d976-tabpanel-2" class="tab" > <h3 class="tab-wrapper"> <span class="tab-title">Cheapest Texas Auto Insurance After an Accident: Texas Farm Bureau</span> </h3> </button> <button id="673b41464d976-tab-3" type="button" role="tab" aria-selected="false" aria-controls="673b41464d976-tabpanel-3" class="tab" > <h3 class="tab-wrapper"> <span class="tab-title">Cheapest Texas Auto Insurance After a Speeding Ticket: Texas Farm Bureau</span> </h3> </button> </div> </div> <div class="tabpanels"> <div id="673b41464d976-tabpanel-0" role="tabpanel" tabindex="0" aria-labelledby="673b41464d976-tab-0" class="tabpanel active"> <div class="text "> <div class="wysiwyg"><p><b>Texas Minimum-Coverage Average for Bad Credit:</b><span style="font-weight: 400;"> $139 per month<br /> </span><b>Texas Full-Coverage Average for Bad Credit:</b><span style="font-weight: 400;"> $502</span></p> <p><span style="font-weight: 400;">Texas is one of 46 states that allows insurers to use your credit score as a factor in your rates. As you can probably guess, drivers with lower credit scores typically pay much higher rates than those with good scores.</span></p> <p><span style="font-weight: 400;">Texas Farm Bureau offers the cheapest rates for drivers with bad credit in Texas at $85 per month for minimum coverage. If you have poor credit, see other rates and providers in the table below.</span></p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table dir="ltr" border="1" cellspacing="0" cellpadding="0" data-sheets-root="1" data-sheets-baot="1"> <colgroup> <col width="100"> <col width="100"> <col width="100"></colgroup> <thead> <tr> <th><b>Cheapest Texas Car Insurance Company</b></th> <th><b>Average Monthly Minimum-Coverage Rate</b></th> <th><b>Average Monthly Full-Coverage Rate</b></th> </tr> </thead> <tbody> <tr class="even"> <td><span style="font-weight: 400;">1. Texas Farm Bureau</span></td> <td><span style="font-weight: 400;">$85</span></td> <td><span style="font-weight: 400;">$276</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">2. USAA</span></td> <td><span style="font-weight: 400;">$82</span></td> <td><span style="font-weight: 400;">$336</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">3. AAA</span></td> <td><span style="font-weight: 400;">$118</span></td> <td><span style="font-weight: 400;">$345</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">4. Progressive</span></td> <td><span style="font-weight: 400;">$122</span></td> <td><span style="font-weight: 400;">$363</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">5. Mercury Insurance</span></td> <td><span style="font-weight: 400;">$115</span></td> <td><span style="font-weight: 400;">$423</span></td> </tr> </tbody> </table></figure> </div> <p><i><span style="font-weight: 400;">*Rates are for a 35-year-old driver with no driving violations and who owns a 2023 Toyota Camry.</span></i></p> <p><b>Read more:</b> <a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-for-bad-credit/" target="_blank" rel="noopener"><span style="font-weight: 400;">Best Car Insurance for Bad Credit</span></a></p> </div> </div> </div> <div id="673b41464d976-tabpanel-1" role="tabpanel" tabindex="0" aria-labelledby="673b41464d976-tab-1" class="tabpanel "> <div class="text "> <div class="wysiwyg"><p><b>Texas Minimum-Coverage Average After a DUI: </b><span style="font-weight: 400;">$119 per month<br /> </span><b>Texas Full-Coverage Average After a DUI:</b><span style="font-weight: 400;"> $342 per month</span></p> <p><span style="font-weight: 400;">In Texas, a DWI can stay on your record and affect your premiums permanently. Texas Farm Bureau has the most affordable rates for Texans with a DWI at $95 per month for minimum coverage.</span></p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table dir="ltr" border="1" cellspacing="0" cellpadding="0" data-sheets-root="1" data-sheets-baot="1"> <colgroup> <col width="100"> <col width="100"> <col width="100"></colgroup> <thead> <tr> <th><b>Cheapest Texas Car Insurance Company</b></th> <th><b>Average Monthly Minimum-Coverage Rate</b></th> <th><b>Average Monthly Full-Coverage Rate</b></th> </tr> </thead> <tbody> <tr class="even"> <td><span style="font-weight: 400;">1. Texas Farm Bureau</span></td> <td><span style="font-weight: 400;">$95</span></td> <td><span style="font-weight: 400;">$210</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">2. Progressive</span></td> <td><span style="font-weight: 400;">$89</span></td> <td><span style="font-weight: 400;">$263</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">3. USAA</span></td> <td><span style="font-weight: 400;">$84</span></td> <td><span style="font-weight: 400;">$287</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">4. State Farm</span></td> <td><span style="font-weight: 400;">$91</span></td> <td><span style="font-weight: 400;">$300</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">5. Geico</span></td> <td><span style="font-weight: 400;">$126</span></td> <td><span style="font-weight: 400;">$343</span></td> </tr> </tbody> </table></figure> </div> <p><i><span style="font-weight: 400;">*Rates are for a 35-year-old driver with good credit and who owns a 2023 Toyota Camry.</span></i></p> <p><b>Read more:</b> <a href="https://www.marketwatch.com/guides/insurance-services/dui-vs-dwi/" target="_blank" rel="noopener"><span style="font-weight: 400;">How Does a DUI and DWI Affect Your Car Insurance Rate?</span></a></p> </div> </div> </div> <div id="673b41464d976-tabpanel-2" role="tabpanel" tabindex="0" aria-labelledby="673b41464d976-tab-2" class="tabpanel "> <div class="text "> <div class="wysiwyg"><p><b>Texas Minimum-Coverage Average After an Accident:</b><span style="font-weight: 400;"> $130 per month<br /> </span><b>Texas Full-Coverage Average After an Accident:</b><span style="font-weight: 400;"> $299 per month</span></p> <p><span style="font-weight: 400;">Texas Farm Bureau has the cheapest coverage for drivers with a recent accident on their record at $69 per month for minimum coverage.</span></p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table dir="ltr" border="1" cellspacing="0" cellpadding="0" data-sheets-root="1" data-sheets-baot="1"> <colgroup> <col width="100"> <col width="100"> <col width="100"></colgroup> <thead> <tr> <th><b>Cheapest Texas Car Insurance Company</b></th> <th><b>Average Monthly Minimum-Coverage Rate</b></th> <th><b>Average Monthly Full-Coverage Rate</b></th> </tr> </thead> <tbody> <tr class="even"> <td><span style="font-weight: 400;">1. Texas Farm Bureau</span></td> <td><span style="font-weight: 400;">$69</span></td> <td><span style="font-weight: 400;">$185</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">2. State Farm</span></td> <td><span style="font-weight: 400;">$62</span></td> <td><span style="font-weight: 400;">$222</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">3. USAA</span></td> <td><span style="font-weight: 400;">$85</span></td> <td><span style="font-weight: 400;">$293</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">4. Mercury Insurance</span></td> <td><span style="font-weight: 400;">$95</span></td> <td><span style="font-weight: 400;">$310</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">5. Geico</span></td> <td><span style="font-weight: 400;">$105</span></td> <td><span style="font-weight: 400;">$309</span></td> </tr> </tbody> </table></figure> </div> <p><i><span style="font-weight: 400;">*Rates are for a 35-year-old driver with good credit and who owns a 2023 Toyota Camry.</span></i></p> <p><b>Read more:</b> <a href="https://www.marketwatch.com/guides/insurance-services/accident-forgiveness/" target="_blank" rel="noopener"><span style="font-weight: 400;">Accident Forgiveness Coverage</span></a></p> </div> </div> </div> <div id="673b41464d976-tabpanel-3" role="tabpanel" tabindex="0" aria-labelledby="673b41464d976-tab-3" class="tabpanel "> <div class="text "> <div class="wysiwyg"><p><b>Texas Minimum-Coverage Average After a Speeding Ticket:</b><span style="font-weight: 400;"> $100 per month<br /> </span><b>Texas Full-Coverage Average After a Speeding Ticket:</b><span style="font-weight: 400;"> $267 per month</span></p> <p><span style="font-weight: 400;">In terms of how it affects your rates, a speeding ticket is one of the least serious traffic violations you can get in Texas. Texas Farm Bureau offers the cheapest car insurance for drivers with a speeding ticket at $40 per month for minimum coverage — a rate that matches its estimate for drivers with a clean record.</span></p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table dir="ltr" border="1" cellspacing="0" cellpadding="0" data-sheets-root="1" data-sheets-baot="1"> <colgroup> <col width="100"> <col width="100"> <col width="100"></colgroup> <thead> <tr> <th><b>Cheapest Texas Car Insurance Company</b></th> <th><b>Average Monthly Minimum-Coverage Rate</b></th> <th><b>Average Monthly Full-Coverage Rate</b></th> </tr> </thead> <tbody> <tr class="even"> <td><span style="font-weight: 400;">1. Texas Farm Bureau</span></td> <td><span style="font-weight: 400;">$40</span></td> <td><span style="font-weight: 400;">$119</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">2. State Farm</span></td> <td><span style="font-weight: 400;">$50</span></td> <td><span style="font-weight: 400;">$190</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">3. USAA</span></td> <td><span style="font-weight: 400;">$59</span></td> <td><span style="font-weight: 400;">$214</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">4. Geico</span></td> <td><span style="font-weight: 400;">$74</span></td> <td><span style="font-weight: 400;">$233</span></td> </tr> <tr class="even"> <td><span style="font-weight: 400;">5. Progressive</span></td> <td><span style="font-weight: 400;">$100</span></td> <td><span style="font-weight: 400;">$297</span></td> </tr> </tbody> </table></figure> </div> <p><i><span style="font-weight: 400;">*Rates are for a 35-year-old driver with good credit and who owns a 2023 Toyota Camry.</span></i></p> <p><b>Read More:</b> <a href="https://www.marketwatch.com/guides/insurance-services/speeding-ticket-car-insurance/" target="_blank" rel="noopener"><span style="font-weight: 400;">Best Speeding Ticket Car Insurance</span></a></p> </div> </div> </div> </div> </div> </div> </section> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-cheapest-car-insurance-by-city">Cheapest Car Insurance by City in Texas</h2> <p>Due to the presence and severity of different risk factors, average premiums vary depending on where in Texas you live. In the table below, we’ve listed the cheapest minimum- and full-coverage rates and providers for different cities and towns in Texas (hint: it’s Texas Farm Bureau).</p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table><thead><tr><th>City in Texas</th><th>Cheapest Texas Car Insurance Company</th><th>Average Monthly Minimum-Coverage Rate</th><th>Average Monthly Full-Coverage Rate</th></tr></thead><tbody><tr><td>Allen</td><td>Texas Farm Bureau</td><td>$33</td><td>$93</td></tr><tr class="even"><td>Arlington</td><td>Texas Farm Bureau</td><td>$35</td><td>$111</td></tr><tr><td>Brownsville</td><td>Texas Farm Bureau</td><td>$55</td><td>$135</td></tr><tr class="even"><td>Cedar Park</td><td>Texas Farm Bureau</td><td>$31</td><td>$96</td></tr><tr><td>Cypress</td><td>Texas Farm Bureau</td><td>$38</td><td>$113</td></tr><tr class="even"><td>Dallas</td><td>Texas Farm Bureau</td><td>$47</td><td>$138</td></tr><tr><td>Edinburg</td><td>Texas Farm Bureau</td><td>$52</td><td>$147</td></tr><tr class="even"><td>El Paso</td><td>Texas Farm Bureau</td><td>$26</td><td>$92</td></tr><tr><td>Fort Worth</td><td>Texas Farm Bureau</td><td>$40</td><td>$127</td></tr><tr class="even"><td>Garland</td><td>Texas Farm Bureau</td><td>$37</td><td>$107</td></tr><tr class="hidden"><td>Grand Prairie</td><td>Texas Farm Bureau</td><td>$42</td><td>$122</td></tr><tr class="even hidden"><td>Houston</td><td>Texas Farm Bureau</td><td>$43</td><td>$128</td></tr><tr class="hidden"><td>Katy</td><td>Texas Farm Bureau</td><td>$40</td><td>$119</td></tr><tr class="even hidden"><td>League City</td><td>Texas Farm Bureau</td><td>$33</td><td>$98</td></tr><tr class="hidden"><td>Lewisville</td><td>Texas Farm Bureau</td><td>$44</td><td>$124</td></tr><tr class="even hidden"><td>Mansfield</td><td>Texas Farm Bureau</td><td>$39</td><td>$121</td></tr><tr class="hidden"><td>McAllen</td><td>Texas Farm Bureau</td><td>$68</td><td>$194</td></tr><tr class="even hidden"><td>McKinney</td><td>Texas Farm Bureau</td><td>$39</td><td>$109</td></tr><tr class="hidden"><td>Mesquite</td><td>Texas Farm Bureau</td><td>$40</td><td>$116</td></tr><tr class="even hidden"><td>Pearland</td><td>Texas Farm Bureau</td><td>$29</td><td>$90</td></tr><tr class="hidden"><td>Pflugerville</td><td>Texas Farm Bureau</td><td>$32</td><td>$93</td></tr><tr class="even hidden"><td>Pharr</td><td>Texas Farm Bureau</td><td>$65</td><td>$186</td></tr><tr class="hidden"><td>San Antonio</td><td>Texas Farm Bureau</td><td>$39</td><td>$115</td></tr><tr class="even hidden"><td>San Marcos</td><td>Texas Farm Bureau</td><td>$27</td><td>$89</td></tr><tr class="hidden"><td>Spring</td><td>Texas Farm Bureau</td><td>$37</td><td>$111</td></tr></tbody></table><figcaption class="wp-element-caption"><em>*Rates are for a 35-year-old driver with good credit and no driving violations who owns a 2023 Toyota Camry.</em></figcaption></figure> <div class="c-pagination hidden" data-per-page="10"> <button class="pagination-prev hidden"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><!--!Font Awesome Free 6.5.2 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2024 Fonticons, Inc.--><path d="M9.4 233.4c-12.5 12.5-12.5 32.8 0 45.3l192 192c12.5 12.5 32.8 12.5 45.3 0s12.5-32.8 0-45.3L77.3 256 246.6 86.6c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0l-192 192z" fill="currentColor" /></svg></button> <div> Page <span class="pagination-current">1</span> of <span class="pagination-total"></span> </div> <button class="pagination-next"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><!--!Font Awesome Free 6.5.1 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2024 Fonticons, Inc.--><path d="M310.6 233.4c12.5 12.5 12.5 32.8 0 45.3l-192 192c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3L242.7 256 73.4 86.6c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l192 192z" fill="currentColor" /></svg></button> </div> </div> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-how-to-get-cheap-car-insurance">How To Get Cheap Texas Car Insurance</h2> <p>There are many things that affect your auto premiums that are out of your control, such as your current driving record and where you live. But there are still a few things you can do to try and get cheaper car insurance in Texas. We’ve listed a few tips in the following section, ranked in order of how much risk they add in exchange for lower premiums.</p> <h3 class="wp-block-heading subheading">1. Compare Car Insurance Quotes</h3> <p><strong>Potential financial risk increase:</strong> None</p> <p>In our cost research, we found that the difference between the cheapest auto insurance provider and more expensive ones can be hundreds of dollars or more per year for the same driver, coverage and vehicle. That’s why we recommend getting free quotes from at least three insurers and comparing the offers you get back. You may be surprised to learn how much you can save without taking on any additional risk on your part.</p> <h3 class="wp-block-heading subheading">2. Apply Car Insurance Discounts</h3> <p><strong>Potential financial risk increase: </strong>None</p> <p>Another way to get cheaper rates on your Texas auto insurance policy without increasing your financial risk is to find any and all discounts you’re eligible for and apply them. Most insurers offer at least a few discounts for things ranging from going an extended period of time without filing a claim to having anti-theft features on your vehicle.</p> <p>One common discount many providers offer is a military discount for active-duty and retired members of the U.S. armed forces — and often, their family members. With 15 military installations and <a href="https://statepolicy.militaryonesource.mil/state/TX#:~:text=State%20Details&text=State%20residents%20include%3A,88%2C057%20active%2Dduty%20children" target="_blank" rel="noreferrer noopener">over 100,000 active-duty military members</a>, there are many drivers who can get substantial savings through a military discount.</p> <h3 class="wp-block-heading subheading">3. Raise Your Deductible</h3> <p><strong>Potential financial risk increase:</strong> Minimal</p> <p>You get to choose the deductible on your auto policy. While a lower deductible can be a relief when you need to file a claim and don’t have to pay much out of pocket, it also translates into higher premiums.</p> <p>Raising your deductible will likely bring your rates down. The only additional risk you take on is the amount by which you increase your deductible, typically only a few hundred dollars.</p> <h3 class="wp-block-heading subheading">4. Drop Coverage Add-Ons</h3> <p><strong>Potential financial risk increase:</strong> Minimal</p> <p>Optional coverages such as roadside assistance and trip interruption are nice to have when you need them, but they’re not as critical as coverages like comprehensive or collision. They also add expense to your auto policy.</p> <p>If you need to cut your car insurance costs, getting rid of the add-ons you don’t need is a good place to start. Your financial exposure only increases by the costs that those add-ons would cover. Many of these can be worked around, such as finding rides from friends or using public transportation instead of hiring a rental car if your vehicle is out of service.</p> <h3 class="wp-block-heading subheading">5. Consider a Telematics Program</h3> <p><strong>Potential financial risk increase:</strong> Moderate</p> <p>Nearly every major insurer — and most smaller ones — now offer a telematics program. These programs use mobile apps to monitor your driving and adjust your rates based on safe driving habits.</p> <p>Most companies advertise the potential for big savings through these programs. This isn’t just a sales pitch. Maintaining safe driving habits can actually get you lower rates, making telematics especially useful for Texas drivers in high-risk categories who would otherwise have to wait for their records to clear to get cheaper coverage.</p> <p>However, it is critical to note that your premiums can also go up under these programs if you have more than a few slip-ups. Some of the things that can hurt your driving score may be unavoidable for some drivers, such as driving at night. You can potentially save a lot of money with them, but be realistic about your driving habits and your lifestyle before signing up for telematics.</p> <h3 class="wp-block-heading subheading">6. Reduce Your Coverage and Limits</h3> <p><strong>Potential financial risk increase:</strong> Severe</p> <p>Minimum-liability policies are typically hundreds of dollars per year cheaper than full-coverage insurance. Rolling back your coverage to a liability-only policy will undoubtedly lower your premiums, but at significant additional risk. Without full coverage, you risk losing the entire value of your vehicle and having to pay enormous medical bills resulting from an accident.</p> <p>The same is true of your coverage limits. You can get lower premiums by lowering the maximum amount your insurer will cover towards a claim, but you’ll also be responsible for anything that exceeds that limit.</p> <p>In general, you should only consider reducing your auto coverage as a last resort. The savings can be substantial, but the added risk of going without sufficient coverage far exceeds the money you’d save.</p> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-car-insurance-trends-you-need-to-know">Texas Car Insurance Trends You Need To Know</h2> <p>Like in many parts of the country, drivers in Texas are seeing significant changes to the car insurance industry in their state. In this section, we go over some of the trends that our researchers think are important to be aware of.</p> <h3 class="wp-block-heading subheading">Texas Car Insurance Costs Are Going Up</h3> <p>Most states in the U.S. have seen auto insurance rates go up over the last year, and Texas is no exception. According to Quadrant Information Services, the average minimum-coverage auto premium in Texas increased by 13.4% from 2023 to 2024. Full-coverage costs jumped even more, by 19.5% over the last year.</p> <h4 class="wp-block-heading">Average Cost of Car Insurance in Texas Cities</h4> <p>According to our rate data, drivers in Houston pay the highest minimum-coverage auto insurance rates of any city in Texas at $98 per month. But it’s Dallas drivers that pay the most on average for full-coverage insurance at $299 per month.</p> <p>See the average minimum- and full-coverage rates for different cities and towns in Texas in the table below.</p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table><thead><tr><th>Texas City</th><th>Average Monthly Rate for Minimum Coverage</th><th>Average Monthly Rate for Full Coverage</th></tr></thead><tbody><tr><td>Allen</td><td>$73</td><td>$246</td></tr><tr class="even"><td>Arlington</td><td>$80</td><td>$273</td></tr><tr><td>Brownsville</td><td>$81</td><td>$263</td></tr><tr class="even"><td>Cedar Park</td><td>$69</td><td>$234</td></tr><tr><td>Cypress</td><td>$85</td><td>$236</td></tr><tr class="even"><td>Dallas</td><td>$87</td><td>$299</td></tr><tr><td>Edinburg</td><td>$86</td><td>$274</td></tr><tr class="even"><td>El Paso</td><td>$65</td><td>$245</td></tr><tr><td>Fort Worth</td><td>$69</td><td>$240</td></tr><tr class="even"><td>Garland</td><td>$82</td><td>$275</td></tr><tr class="hidden"><td>Grand Prairie</td><td>$81</td><td>$273</td></tr><tr class="even hidden"><td>Houston</td><td>$98</td><td>$276</td></tr><tr class="hidden"><td>Katy</td><td>$89</td><td>$249</td></tr><tr class="even hidden"><td>League City</td><td>$76</td><td>$245</td></tr><tr class="hidden"><td>Lewisville</td><td>$75</td><td>$252</td></tr><tr class="even hidden"><td>Mansfield</td><td>$72</td><td>$243</td></tr><tr class="hidden"><td>McAllen</td><td>$87</td><td>$273</td></tr><tr class="even hidden"><td>McKinney</td><td>$74</td><td>$247</td></tr><tr class="hidden"><td>Mesquite</td><td>$83</td><td>$282</td></tr><tr class="even hidden"><td>Pearland</td><td>$77</td><td>$254</td></tr><tr class="hidden"><td>Pflugerville</td><td>$74</td><td>$242</td></tr><tr class="even hidden"><td>Pharr</td><td>$86</td><td>$271</td></tr><tr class="hidden"><td>San Antonio</td><td>$79</td><td>$261</td></tr><tr class="even hidden"><td>San Marcos</td><td>$65</td><td>$238</td></tr><tr class="hidden"><td>Spring</td><td>$87</td><td>$263</td></tr></tbody></table></figure> <div class="c-pagination hidden" data-per-page="10"> <button class="pagination-prev hidden"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><!--!Font Awesome Free 6.5.2 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2024 Fonticons, Inc.--><path d="M9.4 233.4c-12.5 12.5-12.5 32.8 0 45.3l192 192c12.5 12.5 32.8 12.5 45.3 0s12.5-32.8 0-45.3L77.3 256 246.6 86.6c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0l-192 192z" fill="currentColor" /></svg></button> <div> Page <span class="pagination-current">1</span> of <span class="pagination-total"></span> </div> <button class="pagination-next"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><!--!Font Awesome Free 6.5.1 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2024 Fonticons, Inc.--><path d="M310.6 233.4c12.5 12.5 12.5 32.8 0 45.3l-192 192c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3L242.7 256 73.4 86.6c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l192 192z" fill="currentColor" /></svg></button> </div> </div> <p><strong>Read more:</strong> <a href="https://www.marketwatch.com/guides/insurance-services/average-cost-of-car-insurance-in-texas/" target="_blank" rel="noopener">Average Car Insurance Costs in Texas</a></p> <h4 class="wp-block-heading">How Expensive Is Texas Car Insurance?</h4> <p>Texas is the 15th-most expensive state in the country for minimum-coverage car insurance, with its average rate of $960 per year 10.5% higher than the national average. When it comes to full coverage, Texas is the 11th-most expensive state in the U.S. with an average annual rate of $3,156, which is 17.7% more than the average for the country.</p> <p>The graphic below shows how Texas auto insurance costs for drivers in different categories compared to U.S. averages. You can hover over the bars to see average cost figures for both.</p> <div class="infogram-embed" data-id="971e2508-867c-4a68-a69f-4806ecc1ae5f" data-type="interactive" data-title="Texas Car Insurance vs. National Average"></div><script type="pmdelayedscript" data-cfasync="false" data-no-optimize="1" data-no-defer="1" data-no-minify="1">!function(e,n,i,s){var d="InfogramEmbeds";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,"script","infogram-async","https://e.infogram.com/js/dist/embed-loader-min.js");</script> <p><strong>Read more:</strong> <a href="https://www.marketwatch.com/guides/insurance-services/average-cost-of-car-insurance/" target="_blank" rel="noreferrer noopener">Average Car Insurance Cost</a></p> <h4 class="wp-block-heading">How Do Texas Insurance Costs Compare to Other States?</h4> <p>Car insurance costs in Texas are more expensive than a majority of other states. You can see the average minimum- and full-coverage rates for each state in 2024 in the table below.</p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table><thead><tr><th>State</th><th>Average Monthly Minimum-Liability Premium</th><th>Average Monthly Full-Coverage Premium</th></tr></thead><tbody><tr><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-alabama/" target="_blank" rel="noreferrer noopener">Alabama</a></td><td>$572</td><td>$2,048</td></tr><tr class="even"><td><a href="https://www.marketwatch.com/guides/insurance-services/cheapest-car-insurance-alaska/" target="_blank" rel="noreferrer noopener">Alaska</a></td><td>$506</td><td>$2,116</td></tr><tr><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-arizona/" target="_blank" rel="noreferrer noopener">Arizona</a></td><td>$956</td><td>$3,127</td></tr><tr class="even"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-arkansas/" target="_blank" rel="noreferrer noopener">Arkansas</a></td><td>$589</td><td>$2,398</td></tr><tr><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-california/" target="_blank" rel="noreferrer noopener">California</a></td><td>$736</td><td>$3,040</td></tr><tr class="even"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-colorado/" target="_blank" rel="noreferrer noopener">Colorado</a></td><td>$750</td><td>$3,010</td></tr><tr><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-connecticut/" target="_blank" rel="noreferrer noopener">Connecticut</a></td><td>$1,179</td><td>$2,699</td></tr><tr class="even"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-delaware/" target="_blank" rel="noreferrer noopener">Delaware</a></td><td>$1,288</td><td>$3,364</td></tr><tr><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-florida/" target="_blank" rel="noreferrer noopener">Florida</a></td><td>$1,605</td><td>$3,795</td></tr><tr class="even"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-georgia/" target="_blank" rel="noreferrer noopener">Georgia</a></td><td>$1,256</td><td>$2,907</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-hawaii/" target="_blank" rel="noreferrer noopener">Hawaii</a></td><td>$455</td><td>$1,581</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-idaho/" target="_blank" rel="noreferrer noopener">Idaho</a></td><td>$463</td><td>$1,588</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-illinois/" target="_blank" rel="noreferrer noopener">Illinois</a></td><td>$823</td><td>$3,054</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/cheapest-car-insurance-in-indiana/" target="_blank" rel="noreferrer noopener">Indiana</a></td><td>$557</td><td>$1,949</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-iowa/" target="_blank" rel="noreferrer noopener">Iowa</a></td><td>$456</td><td>$1,994</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-kansas/" target="_blank" rel="noreferrer noopener">Kansas</a></td><td>$683</td><td>$2,421</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-kentucky/" target="_blank" rel="noreferrer noopener">Kentucky</a></td><td>$1,072</td><td>$2,545</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-louisiana/" target="_blank" rel="noreferrer noopener">Louisiana</a></td><td>$1,497</td><td>$4,357</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-maine/" target="_blank" rel="noreferrer noopener">Maine</a></td><td>$456</td><td>$1,460</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-maryland/" target="_blank" rel="noreferrer noopener">Maryland</a></td><td>$1,261</td><td>$2,943</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-massachusetts/" target="_blank" rel="noreferrer noopener">Massachusetts</a></td><td>$759</td><td>$2,620</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-michigan/" target="_blank" rel="noreferrer noopener">Michigan</a></td><td>$1,299</td><td>$4,067</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-minnesota/" target="_blank" rel="noreferrer noopener">Minnesota</a></td><td>$752</td><td>$2,463</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-mississippi/" target="_blank" rel="noreferrer noopener">Mississippi</a></td><td>$563</td><td>$2,140</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-missouri/" target="_blank" rel="noreferrer noopener">Missouri</a></td><td>$752</td><td>$2,613</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/cheapest-car-insurance-montana/" target="_blank" rel="noreferrer noopener">Montana</a></td><td>$517</td><td>$2,368</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/cheapest-car-insurance-nebraska/" target="_blank" rel="noreferrer noopener">Nebraska</a></td><td>$545</td><td>$2,252</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-nevada/" target="_blank" rel="noreferrer noopener">Nevada</a></td><td>$1,665</td><td>$3,870</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-new-hampshire/" target="_blank" rel="noreferrer noopener">New Hampshire</a></td><td>$594</td><td>$1,766</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-new-jersey/" target="_blank" rel="noreferrer noopener">New Jersey</a></td><td>$1,408</td><td>$3,034</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/cheapest-car-insurance-new-mexico/" target="_blank" rel="noreferrer noopener">New Mexico</a></td><td>$608</td><td>$2,335</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-new-york/" target="_blank" rel="noreferrer noopener">New York</a></td><td>$2,221</td><td>$4,112</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-north-carolina/" target="_blank" rel="noreferrer noopener">North Carolina</a></td><td>$815</td><td>$2,271</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/cheapest-car-insurance-north-dakota/" target="_blank" rel="noreferrer noopener">North Dakota</a></td><td>$490</td><td>$2,029</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-ohio/" target="_blank" rel="noreferrer noopener">Ohio</a></td><td>$511</td><td>$1,660</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-oklahoma/" target="_blank" rel="noreferrer noopener">Oklahoma</a></td><td>$710</td><td>$3,256</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-oregon/" target="_blank" rel="noreferrer noopener">Oregon</a></td><td>$1,161</td><td>$2,408</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-pennsylvania/" target="_blank" rel="noreferrer noopener">Pennsylvania</a></td><td>$893</td><td>$3,909</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-rhode-island/" target="_blank" rel="noreferrer noopener">Rhode Island</a></td><td>$1,084</td><td>$2,921</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-south-carolina/" target="_blank" rel="noreferrer noopener">South Carolina</a></td><td>$959</td><td>$2,519</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/cheapest-car-insurance-south-dakota/" target="_blank" rel="noreferrer noopener">South Dakota</a></td><td>$443</td><td>$2,590</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-tennessee/" target="_blank" rel="noreferrer noopener">Tennessee</a></td><td>$707</td><td>$2,237</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-utah/" target="_blank" rel="noreferrer noopener">Utah</a></td><td>$968</td><td>$2,451</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-vermont/" target="_blank" rel="noreferrer noopener">Vermont</a></td><td>$366</td><td>$1,539</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-virginia/" target="_blank" rel="noreferrer noopener">Virginia</a></td><td>$726</td><td>$2,070</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-washington/" target="_blank" rel="noreferrer noopener">Washington</a></td><td>$661</td><td>$2,110</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-dc/" target="_blank" rel="noreferrer noopener">Washington, D.C.</a></td><td>$870</td><td>$2,636</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-west-virginia/" target="_blank" rel="noreferrer noopener">West Virginia</a></td><td>$617</td><td>$2,308</td></tr><tr class="hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-wisconsin/" target="_blank" rel="noreferrer noopener">Wisconsin</a></td><td>$561</td><td>$2,003</td></tr><tr class="even hidden"><td><a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-wyoming/" target="_blank" rel="noreferrer noopener">Wyoming</a></td><td>$303</td><td>$1,794</td></tr></tbody></table></figure> <div class="c-pagination hidden" data-per-page="10"> <button class="pagination-prev hidden"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><!--!Font Awesome Free 6.5.2 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2024 Fonticons, Inc.--><path d="M9.4 233.4c-12.5 12.5-12.5 32.8 0 45.3l192 192c12.5 12.5 32.8 12.5 45.3 0s12.5-32.8 0-45.3L77.3 256 246.6 86.6c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0l-192 192z" fill="currentColor" /></svg></button> <div> Page <span class="pagination-current">1</span> of <span class="pagination-total"></span> </div> <button class="pagination-next"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><!--!Font Awesome Free 6.5.1 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2024 Fonticons, Inc.--><path d="M310.6 233.4c12.5 12.5 12.5 32.8 0 45.3l-192 192c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3L242.7 256 73.4 86.6c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l192 192z" fill="currentColor" /></svg></button> </div> </div> <p><strong>Read more:</strong> <a href="https://www.marketwatch.com/guides/insurance-services/car-insurance-rates-by-state/" target="_blank" rel="noreferrer noopener">Car Insurance Rates by State</a></p> <h4 class="wp-block-heading">Why Is Texas Car Insurance So Expensive?</h4> <p>Average auto premiums in a state are based on the risk of insuring vehicles in that area. States with more severe risk factors typically have higher car insurance costs. That also means that as risks increase in a given area, premiums usually do as well.</p> <p>There are a few key risk factors that likely play a role in recent insurance cost increases in Texas, including:</p> <ul> <li><strong>Surging auto theft rates: </strong>Car thefts can be an expensive event for insurers, as vehicles are often damaged or lost completely as a result. According to data from the FBI, the <a href="https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/query" target="_blank" rel="noreferrer noopener">rate of auto thefts in Texas increased by 46.4%</a> from 2017 to 2022. This auto theft boom has added significant risk for insurers.</li> <li><strong>High rates of uninsured drivers: </strong>When an uninsured driver is involved in a collision, car insurance companies are often left to foot the bill. According to data from the Insurance Information Institute (III), 13.8% of drivers in Texas were uninsured in 2022. This translates to heightened financial risk for insurers, which they offset by charging more for coverage.</li> <li><strong>Rising fatal accident rates: </strong>In addition to the tragic loss of life, fatal accidents often result in significant property damage and medical costs. According to data from the U.S. Department of Transportation (USDOT), <a href="https://cdan.dot.gov/query" target="_blank" rel="noreferrer noopener">Texas saw a 18.3% increase in the state’s fatal accident rate</a> from 2017 to 2022. With serious accidents on the rise, insurers have taken on more financial risk to cover drivers.</li> </ul> <p><strong>Read more:</strong> <a href="https://www.marketwatch.com/guides/insurance-services/why-is-car-insurance-so-expensive/" target="_blank" rel="noreferrer noopener">Why Is Car Insurance So Expensive in 2024?</a></p> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-car-insurance-requirements">Texas Car Insurance Requirements</h2> <p>All drivers in Texas are required to carry at least enough insurance to meet the <a href="https://www.tdi.texas.gov/tips/car-insurance.html" target="_blank" rel="noreferrer noopener">state’s minimum-liability insurance requirements</a>. These include:</p> <ul> <li>$30,000 in bodily injury liability coverage for each injured person </li> <li>$60,000 in bodily injury liability insurance per accident</li> <li>$25,000 in property damage liability coverage per accident </li> </ul> <p>Insurance professionals and companies often use a series of numbers as shorthand when referring to coverage limits and amounts. Therefore, you may see the minimum requirements in Texas referred to as “30/60/25.”</p> <h3 class="wp-block-heading subheading">Is Texas a No-Fault State?</h3> <p>Texas is not a no-fault state. It uses a traditional fault-based system when dealing with insurance claims, also known as a tort liability system. This means that accident claims are filed through the insurance company of the driver who is ruled at-fault for the collision.</p> <p>In other words, when an accident occurs on a Texas road, local police or highway patrol officers will determine who caused the accident. All other involved parties will file claims with the company that insures the at-fault driver.</p> <section class="b-tip"> <div class="wrapper"> <div class="box"> <div class="c-picture box-icon"> <img decoding="async" width="256" height="173" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAQAAAACtAQAAAAB3/JxPAAAAAnRSTlMAAHaTzTgAAAAcSURBVFjD7cGBAAAAAMOg+VMf4QJVAQAAAADAMRZNAAFqxqITAAAAAElFTkSuQmCC" class="attachment-full size-full lazyload" alt="" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2021/12/auto-insurance-car-insurance-insured-svgrepo-com.svg" data-eio-rwidth="256" data-eio-rheight="173" /><noscript><img decoding="async" width="256" height="173" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2021/12/auto-insurance-car-insurance-insured-svgrepo-com.svg" class="attachment-full size-full" alt="" loading="lazy" data-eio="l" /></noscript> </div> <span class="box-title">MarketWatch Guides Tip</span> </div> <div class="text wysiwyg"> <p><span style="font-weight: 400;">Some states allow drivers to self-insure their vehicles. This means that instead of buying the required insurance coverage, they can provide proof to the state that they have a certain amount of funds to cover claims against them. </span></p> <p><span style="font-weight: 400;">Texas, however, isn’t one of them — at least for most drivers. Under Texas law, the only people who can self-insure are those who own more than 25 vehicles.</span></p> <p><b>Read more:</b> <a href="https://www.marketwatch.com/guides/insurance-services/self-insured-car-insurance/" target="_blank" rel="noopener"><span style="font-weight: 400;">What Is Self-Insured Car Insurance?</span></a></p> </div> </div> </section> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-cheap-auto-insurance-in-texas-the-bottom-line">Cheap Auto Insurance in Texas: The Bottom Line</h2> <p>Based on our research, Texas Farm Bureau is the cheapest auto insurance provider in Texas for most drivers. However, it isn’t guaranteed that Texas Farm Bureau will offer the lowest premium rate for you, and the company may not be the right fit for everyone either. Our research shows that State Farm, USAA, Geico and Progressive also offer affordable coverage for drivers in the Lone Star State.</p> <p>We strongly recommend that you get free quotes from at least three providers and compare offers before making a decision. Our data can help you get a good idea for what your rates might be, but the only way to know for sure what the cheapest car insurance in Texas is for you is by getting actual quotes from insurers. It takes a little time and effort to collect and look over those quotes, but the money you can potentially save makes it more than worth it.</p> <h3 class="wp-block-heading subheading">Shop for Car Insurance in Texas</h3> <p>The comparison tool below makes it easy to get multiple quotes on Texas car insurance for free. Start by entering your ZIP code and follow the instructions to start receiving quotes in just a few minutes.</p> <div class="ad-widget-block" id="threes-cta-widget-block-block_e518d0aa701decc0ed3e9228213aa990"> <style> :root{ --advanced-cta-btn-shadow-color: rgba(0, 0, 0, 0.24) !important; } </style><style> #widget-63756-2 .cta-button {background-color: #3ba14a;color: #ffffff;} #widget-63756-2 .cta-button:hover {background-color: #3ba14a;color: #ffffff;} #widget-63756-2 { background: url(https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/05/8542add0-512c-4a46-94ff-8b295fbea12f.png) no-repeat; background-size: cover; background-position: center bottom; border: 1px solid #c7c3c3; box-shadow: unset; @media (max-width: 992px) { background: url(https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/05/8542add0-512c-4a46-94ff-8b295fbea12f.png) no-repeat; background-position: center bottom; } } #widget-63756-2 .mini-panel-header{ color: #ffffff; font-size: 45px; } #widget-63756-2 .mini-panel-subheader{ color:#ffffff; font-size: 16px; } #widget-63756-2 .error-message{ color:#ffffff; } #widget-63756-2 .text-under-cta{ color:#ffffff; font-size: 14px; } #widget-63756-2 .disclaimer-text{ color:#ffffff; font-size: 18px; } #widget-63756-2 .phone{ color: #3ba14a; } #widget-63756-2 .phone-container { color: #ffffff; background-color: #3ba14a; } #widget-63756-2 .phone-container:hover { color: #ffffff; background-color: #3ba14a; } #widget-63756-2 a.primary-cta{ box-shadow: 0 0 6px #3ba14a; } </style> <div id="widget-63756-2" class="zip-widget"> <div class="mini-panel widget-height"> <div class="mini-panel-header-section"> <div class="mini-panel-header"> Compare Car Insurance Rates </div> <div class="mini-panel-subheader"> Get matched with a top provider and compare instant quotes in just a few clicks </div> </div> <div class="zip"> <p class="error-message" id="error-2"></p> <div class="zip-code-form"> <div class="zip-code-input-wrapper"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.05 13.9499L3.65 11.3499C3.46667 11.2666 3.3125 11.1416 3.1875 10.9749C3.0625 10.8082 3 10.6166 3 10.3999C3 10.1832 3.05833 9.99157 3.175 9.8249C3.29167 9.65824 3.45 9.53324 3.65 9.4499L18.95 3.7749C19.15 3.69157 19.3417 3.6749 19.525 3.7249C19.7083 3.7749 19.8667 3.86657 20 3.9999C20.1333 4.13324 20.225 4.29157 20.275 4.4749C20.325 4.65824 20.3083 4.8499 20.225 5.0499L14.55 20.3499C14.4667 20.5666 14.3375 20.7291 14.1625 20.8374C13.9875 20.9457 13.8083 20.9999 13.625 20.9999C13.4417 20.9999 13.2583 20.9457 13.075 20.8374C12.8917 20.7291 12.75 20.5666 12.65 20.3499L10.05 13.9499ZM13.55 17.2999L17.6 6.3999L6.7 10.4499L11.6 12.3999L13.55 17.2999Z" fill="currentColor" /> </svg> <input type="tel" class="zip-code-input" id="zip-code-2" placeholder="Zip Code"> </div> <a id="zip-code-get-quotes-2" class="cta-button primary-cta " data-unique-id="mw-zw" data-segment-action="Link Clicked" rel="nofollow sponsored" href="https://marketwatch.everquote.com/form/?tid=2777&zip_code={zip_code}&subid=organic&subid2=mw&subid3=insurance-services_cheapest-car-insurance-texas-mw-zw_{device_type}_brandcta-{segment_id}" target="_blank"target="blank"> Check Availability </a> </div> <div class="disclaimer-text"> <p>With one of our trusted comparison partners</p> </div> </div> </div> </div> </div> <h3 class="wp-block-heading subheading" id="toc-cheap-car-insurance-in-texas-faq">Cheap Car Insurance in Texas: FAQ</h3> <p>Below are some frequently asked questions about cheap car insurance in Texas.</p> <section class="b-accordion"> <div class="wrapper"> <div class="c-accordion style-default"> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="673b414654c61-accordion-content-0" id="673b414654c61-accordion-trigger-0"> <span> <h4 class="accordion-trigger-text">Who has the cheapest car insurance in Texas?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="673b414654c61-accordion-content-0" role="region" aria-labelledby="673b414654c61-accordion-trigger-0" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">Texas Farm Bureau has the cheapest car insurance in Texas for most drivers. Based on our cost data, Texas Farm Bureau consistently offers the lowest rates for drivers in different categories and different levels of auto coverage.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="673b414654c61-accordion-content-1" id="673b414654c61-accordion-trigger-1"> <span> <h4 class="accordion-trigger-text">How much does car insurance cost in Texas on average?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="673b414654c61-accordion-content-1" role="region" aria-labelledby="673b414654c61-accordion-trigger-1" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">The average cost of car insurance in Texas is $960 per year for minimum coverage and $3,156 per year for full coverage. These costs are both at least 11% higher than their respective national averages.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="673b414654c61-accordion-content-2" id="673b414654c61-accordion-trigger-2"> <span> <h4 class="accordion-trigger-text">How much does car insurance cost monthly in Texas?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="673b414654c61-accordion-content-2" role="region" aria-labelledby="673b414654c61-accordion-trigger-2" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">The average monthly car insurance costs in Texas are $80 per month for minimum coverage and $263 per month for full coverage. These are both higher than the national averages for each type of coverage.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="673b414654c61-accordion-content-3" id="673b414654c61-accordion-trigger-3"> <span> <h4 class="accordion-trigger-text">What is the most basic car insurance in Texas?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="673b414654c61-accordion-content-3" role="region" aria-labelledby="673b414654c61-accordion-trigger-3" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">The most basic car insurance in Texas you can have and be in compliance with state regulations is a liability-only policy with $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident and $25,000 in property damage liability coverage per accident. In insurance parlance, this is known as 30/60/25.</span></p> </div></div> </div> </div> </div> </section> <h3 class="wp-block-heading subheading" id="toc-how-we-chose-the-cheapest-car-insurance-in-texas">How We Chose the Cheapest Car Insurance in Texas</h3> <p>Our comprehensive rating system utilizes the latest 2024 insurance rates from Quadrant Information Services in combination with data we’ve collected on dozens of insurance companies. To help consumers get the most accurate picture of insurance rates in the state of Texas, we’ve averaged rates from the top 12 providers across 40 Texas ZIP codes. Unless otherwise specified, our base driver profiles for Texas insurance quotes include male and female drivers, age 35, driving a 2023 Toyota Camry with a clean driving record and good credit.</p> <p>We’ve also looked at quotes for Texas drivers of multiple ages and those with a history of accidents, speeding tickets or DUIs, as well as drivers with poor credit. Our minimum-coverage quotes reflect coverage that meets state minimum insurance requirements in Texas, while our full-coverage quotes reflect the following coverage amounts:</p> <p><strong>✓</strong> <strong>$50,000</strong> per person in bodily injury coverage</p> <p><strong>✓</strong> <strong>$100,000</strong> per accident in bodily injury coverage</p> <p><strong>✓</strong> <strong>$50,000</strong> per person in property damage coverage</p> <p><strong>✓</strong> <strong>$500</strong> comprehensive coverage deductible</p> <p><strong>✓</strong> <strong>$500</strong> collision coverage deductible</p> <h4 class="wp-block-heading">How We Vetted Texas Car Insurance Providers</h4> <p>In this article, providers are sorted by cheapest average costs in Texas and selected for recommendation based on our national ratings. When rating providers nationally or in Texas we take several factors into account:</p> <ul> <li><strong>Coverage (30% of total score)</strong>: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.</li> <li><strong>Cost and Discounts (25% of total score)</strong>: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.</li> <li><strong>Industry Standing (20% of total score)</strong>: Our research team considers market share, ratings from industry experts and years in business when giving this score.</li> <li><strong>Customer Experience (15% of total score)</strong>: This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.</li> <li><strong>Availability (10% of total score)</strong>: Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.</li> </ul> <p>Our credentials:</p> <ul> <li><strong>800 hours</strong> researched</li> <li><strong>130+ companies</strong> reviewed</li> <li><strong>8,500+ consumers</strong> surveyed</li> </ul> <p><em>*Data accurate at time of publication.</em></p> </div> <div class="c-article-contact-banner wysiwyg"> <p><i>If you have feedback or questions about this article, please email the MarketWatch Guides team at </i><i><a href="mailto:editors@marketwatchguides.com?subject=In response to: Cheapest Car Insurance in Texas&body=https://www.marketwatch.com/guides/insurance-services/cheapest-car-insurance-texas/" target="_blank" rel="noopener noreferrer" aria-haspopup="menu">editors@marketwatchguides.<wbr />com</a></i><i>.</i></p> </div> </div> </div> </div> <div class="c-article-body-authors"> <div class="wrapper"> <span class="heading">Meet the Team</span> <div class="authors columns-2"> <div class="author"> <div class="author-top" aria-controls="author-0-content" aria-expanded="false" role="button"> <div class="c-picture author-photo"> <img width="50" height="50" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-50x50 size-50x50 lazyload ewww_webp_lazy_load" alt="Daniel Robinson headshot" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg.webp" /><noscript><img width="50" height="50" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" class="attachment-50x50 size-50x50" alt="Daniel Robinson headshot" loading="lazy" decoding="async" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/guides/authors/daniel-robinson/" aria-label="Learn more about Daniel Robinson" title="Learn more about Daniel Robinson" class="c-link "> Learn more about Daniel Robinson</a> </div> <div> <span class="author-name">Daniel Robinson</span> <span class="author-roles">Writer</span> </div> <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </div> <div id="author-0-content" class="author-content"> <div class="author-description wysiwyg"> <p><span style="font-weight: 400;">Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.</span></p> </div> <a class="author-permalink" href="https://www.marketwatch.com/guides/authors/daniel-robinson/"> Learn more about Daniel Robinson </a> </div> </div> <div class="author"> <div class="author-top" aria-controls="author-1-content" aria-expanded="false" role="button"> <div class="c-picture author-photo"> <img width="50" height="50" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-50x50 size-50x50 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg 184w" data-sizes="auto" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg.webp 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg.webp 184w" /><noscript><img width="50" height="50" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg" class="attachment-50x50 size-50x50" alt="" loading="lazy" decoding="async" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/11/rashawnmitchner1.jpeg 184w" sizes="(max-width: 50px) 100vw, 50px" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/guides/authors/rashawn-mitchner/" aria-label="Learn more about RaShawn Mitchner" title="Learn more about RaShawn Mitchner" class="c-link "> Learn more about RaShawn Mitchner</a> </div> <div> <span class="author-name">RaShawn Mitchner</span> <span class="author-roles">Senior Editor</span> </div> <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </div> <div id="author-1-content" class="author-content"> <div class="author-description wysiwyg"> <p><span style="font-weight: 400;">RaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. 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These costs are both at least 11% higher than their respective national averages." } }, { "@type": "Question", "name": "How much does car insurance cost monthly in Texas?", "acceptedAnswer": { "@type": "Answer", "text": "The average monthly car insurance costs in Texas are $80 per month for minimum coverage and $263 per month for full coverage. These are both higher than the national averages for each type of coverage." } }, { "@type": "Question", "name": "What is the most basic car insurance in Texas?", "acceptedAnswer": { "@type": "Answer", "text": "The most basic car insurance in Texas you can have and be in compliance with state regulations is a liability-only policy with $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident and $25,000 in property damage liability coverage per accident. In insurance parlance, this is known as 30\/60\/25." } } ], "primaryImageOfPage": { "@type": "ImageObject", "name": "Cheapest Car Insurance in Texas", "url": "https:\/\/d2tez01fe91909.cloudfront.net\/wp-content\/uploads\/2021\/09\/Car-insurance-Texas_Shutterstock_Nick-Fox-e1699043668903.jpg" } }</script> <script> <!-- Load Font Awesome conditionally --> let loadFontAwesome = document.getElementsByClassName('fa-solid').length || document.getElementsByClassName('fas').length; if(loadFontAwesome) { document.body.innerHTML += '<link rel="preload" href="https://d1tfmrv3e8tjlc.cloudfront.net/wp-content/themes/jpp-theme/assets/fontawesome/all.min.css" as="style" onload="this.rel=\'stylesheet\'"><noscript><link rel="stylesheet" href="https://d1tfmrv3e8tjlc.cloudfront.net/wp-content/themes/jpp-theme/assets/fontawesome/all.min.css"></noscript>'; } <!-- End Font Awesome --> </script> <!-- Temp fix for broken tables https://home-solutions.atlassian.net/issues/MW-918 --> <style> #priv-notice { 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