Cheapest Car Insurance in Texas for 2025

Cheapest Minimum Coverage Car Insurance in Texas

In Texas, as in most states, you're required to carry a minimum amount of liability coverage to drive. Liability coverage includes bodily injury liability, which helps cover the cost if you injure someone in an accident, and property damage liability, which covers the cost of damages you cause to another person's vehicle or property.

Texas requires drivers to carry minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury and $25,000 per accident for property damage.

Auto policies sold in Texas also include personal injury protection (PIP) coverage by default. Sometimes called no-fault insurance, PIP helps pay medical bills, lost wages and related expenses if you or your passengers are injured in an automobile accident, regardless of who's at fault. You can decline PIP coverage by telling your insurance company in writing that you don't want it.

Buying only the minimum liability insurance Texas requires is one way to save on auto insurance but isn't necessarily the best decision. If you're involved in an accident, minimum coverage might not provide enough protection. To safeguard yourself, insurance professionals typically advise buying coverage of at least $100,000 per person and $300,000 per accident for bodily injuries and $100,000 for property damage.

Learn more: How Much Car Insurance Do I Need?

The table below shows the carriers offering the cheapest minimum coverage auto insurance policies in Texas.

Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums

Cheapest Full Coverage Car Insurance in Texas

You can get more protection for your vehicle by choosing full coverage auto insurance, which adds comprehensive and collision coverage on top of liability insurance. State law doesn't require you to get full coverage insurance. However, if you have a car that's leased or financed, your lender or lessor will typically require it to safeguard the vehicle.

• Collision coverage pays to repair or replace your car if it's damaged by colliding with another car, an object or an animal.
• Comprehensive coverage pays to repair or replace your car if it's damaged by something when you aren't driving, such as hail, a falling tree, vandalism or theft.

Learn more: What Is Full Coverage Car Insurance?

The table below shows the carriers offering the cheapest full coverage auto insurance policies in Texas.

Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums

Cheapest Car Insurance for Young Drivers in Texas

Buying car insurance for new drivers can get expensive. In general, younger drivers pay more for auto insurance because they're statistically more likely to get into accidents, according to the Insurance Institute for Highway Safety (IIHS). On average, teenage drivers pay $3,512 annually for car insurance, according to Experian data.

Car insurance premiums are typically highest for 16-year-olds and start dropping when your child turns 25. Until then, you can save on car insurance by adding your child to your auto insurance rather than purchasing them a separate policy. Being included on your policy gives the teen the benefit of lower rates you may have earned due to years of driving experience, being married or owning a home.

Being a good student can help too. Many insurance carriers offer discounts on auto insurance for young drivers who maintain a certain grade point average, attend college away from home and don't take a car, or complete a safe driving course.

You might not want to keep your young driver on your car insurance if they start racking up moving violations or accidents. This risky driving behavior could cause your premiums to rise; buying separate coverage from a company catering to high-risk drivers could make more sense.

The table below shows the insurance providers offering the cheapest full coverage car insurance in Texas for drivers ages 16 to 25.

Source: Experian data as of January 2025
Note: Young drivers include those ages 16 to 25; costs above represent insurance quotes, not policy premiums

Cheapest Car Insurance for Seniors in Texas

You can usually expect your auto insurance rates to drop as you get older and get more driving experience under your belt. However, your premiums are likely to rise again around age 70. Drivers ages 70 and up are more apt to be involved in serious accidents, which can translate into higher premiums.

It's still possible for seniors to find cheap car insurance, though. For instance, you may qualify for discounts on car insurance if you're a retired military service member or have gone without any accidents for a certain number of years. Some companies also offer mature driver discounts when you reach a certain age.

The table below shows the auto insurance carriers offering the cheapest full coverage car insurance for seniors in Texas.

Source: Experian data as of January 2025
Note: Senior drivers include those ages 65 and up; costs above represent insurance quotes, not policy premiums

It's a good idea to reassess your car insurance coverage as you get older and your driving habits change. For instance, if retiring means driving less than during your working years, you may save money by opting for a low-mileage car insurance policy. On the other hand, if your retirement plan calls for crisscrossing the country in your RV, you might need RV insurance to protect yourself.

Learn more: How to Buy Car Insurance as a Senior

Car Insurance for Prior Incidents in Texas

Being a safe driver can help lower your risk of getting a traffic citation or having an accident. Safety can pay off in lower insurance premiums: Texas drivers with a clean driving history (no accidents or moving violations on their motor vehicle record) pay an average of $2,151 annually for auto insurance.

However, a motor vehicle record that includes moving violations or accidents (even if you weren't at fault) could mean insurance companies will consider you a high-risk driver. Insurers may raise your car insurance rates to compensate for their increased risk. A driving record showing several car accidents or serious infractions such as DUIs typically has a bigger impact on your car insurance costs and could even mean being dropped by your insurance company.

Learn more: How to Get Affordable Car Insurance as a High-Risk Driver

It's still possible to find affordable car insurance even with a few blemishes on your driving record. The table below shows the average cost of auto insurance in Texas for drivers with negative marks on their driving records. (Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.)

Source: Experian data as of January 2025
Note: Includes full coverage & minimum coverage policies

Minimum Required Coverage in Texas

Texas drivers must carry the following minimum required car insurance:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

You may want to buy more than these minimums, such as increasing coverage amounts or opting for PIP coverage, to protect yourself financially.

How to Save Money on Car Insurance

The less money you spend on auto insurance, the more money you have to put toward your financial goals. Try these ideas to save on car insurance.

Look for Discounts

Your current car insurance company may have discounts you don't know about; check with them to find out. Then visit other insurance carriers' websites to see what discounts they have available.

Some common auto insurance discounts include savings for paying your premium upfront, bundling home and auto insurance, opting out of paper statements or setting up automatic premium payments. You may also earn discounts by getting insurance quotes online or signing documents digitally. Be sure to check with your employer and any membership groups you're part of—they may offer discounts on auto insurance too.

Increase Your Deductible

When filing a car insurance claim, you generally have to pay a deductible before your insurance kicks in. Insurance companies generally let you select deductibles ranging from $250 to $2,000 when you buy a car insurance policy. Increasing your deductible usually decreases your premiums.

However, don't raise your deductible unless you could easily pay the higher amount if you filed an auto insurance claim. Carefully consider the state of your emergency fund and your other financial resources. Your car insurance carrier can tell you how various deductibles would affect your premiums, helping you find a balance between coverage and affordability.

Drop Unnecessary Coverage

There are some car insurance extras, such as windshield replacement, rental car reimbursement or roadside assistance coverage, that you may not really need. If you're paying for these add-ons, dropping them could offer an easy way to cut your insurance costs. For instance, you don't need to pay for roadside assistance if you already have such a plan through your vehicle manufacturer or auto club.

Another option if your car is paid off and not worth very much is dropping collision and comprehensive coverage. Maintaining collision and comprehensive coverage for a car only worth a few thousand dollars may not be worth the expense, since your policy won't pay out more than the vehicle's value. Before canceling coverage, though, consider if you could afford to replace or repair your vehicle out of pocket.

Learn more: Top Car Insurance Discounts

Cut Back on Mileage

If you spend a lot of time on the road, you typically have a greater risk of being involved in an accident. Since driving less tends to reduce your risk, many auto insurance companies offer discounts if you drive fewer than 12,000 miles per year. You can explore options such as public transportation, walking, biking or carpooling to help reduce your mileage—and possibly your insurance bill. You can also ask about switching to remote work if your job allows.

Usually, low-mileage car insurance plans track your mileage via self-reported or third-party odometer readings or devices placed in your vehicle. You may also want to look into pay-per-mile car insurance. This type of coverage charges a monthly base rate plus a per-mile charge for each additional mile you drive.

Drive Safely

A driving record free of moving violations or accidents can indicate you're a low-risk driver, which can help keep your insurance premiums down. Make it a goal to maintain a clean motor vehicle record. If you feel it's time for a refresher on traffic rules, look for a local driving class. Many insurance carriers give discounts to drivers who complete an approved defensive driving or safe driving course.

Improve Your Credit

Insurance companies in Texas, as in most states, can review your credit-based insurance score when they're determining your premiums. Having a poor score could mean higher rates for auto insurance. Your credit-based insurance scores aren't the same as your consumer credit scores, but they are based on much of the same information. As a result, actions you take to improve your consumer credit score could also help boost your credit-based insurance score, which may save you money on car insurance.

Shop Around and Compare

Each insurance company has its own criteria for determining rates. As a result, the premiums you're quoted can vary widely from one insurance carrier to another. Comparing quotes from multiple insurers on a regular basis could help you uncover lower prices on car insurance. Make it a habit to shop around with different providers at least once a year or whenever your current policy is nearing time for renewal.

To get auto insurance quotes, you can visit insurance company websites or contact insurers directly. If you prefer a more convenient way to explore your options, give Experian's free car insurance comparison tool a try. It gathers auto insurance quotes from multiple top insurance companies in Texas, making it easy to see which carrier offers the lowest car insurance prices.