[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"/cheap-car-insurance-texas-2026":3},{"id":4,"title":5,"body":6,"breadcrumbs":925,"category":926,"ctaCarrier":112,"ctaHook":927,"ctaRate":928,"ctaState":929,"dateModified":930,"datePublished":931,"description":932,"draft":933,"extension":934,"faqs":935,"featured":933,"image":925,"meta":954,"navigation":955,"path":956,"relatedGuides":957,"section":985,"seo":986,"stem":987,"tags":988,"tocEnabled":955,"__hash__":993},"pages/cheap-car-insurance-texas-2026.md","Cheapest Car Insurance in Texas (2026)",{"type":7,"value":8,"toc":915},"minimark",[9,14,77,81,85,293,296,299,303,309,336,344,347,571,574,578,585,639,646,668,672,675,804,821,829,844,848,906,909],[10,11,13],"h2",{"id":12},"summary","Summary",[15,16,17,37,44,55,62,69],"ul",{},[18,19,20,24,25,28,29,36],"li",{},[21,22,23],"strong",{},"State Farm is the cheapest car insurance company in Texas",", averaging ",[21,26,27],{},"$45/month for liability-only"," and $87/month for full coverage, per ",[30,31,35],"a",{"href":32,"rel":33},"https://insurify.com/car-insurance/texas/",[34],"nofollow","Insurify rate data"," updated September 14, 2026. Progressive ($62/$116) and Mile Auto ($63/$145) follow.",[18,38,39,40,43],{},"Texas is pricier than the national picture: ",[21,41,42],{},"liability averages $110/month against the national $98, full coverage $204 against $187"," — about $2,449 a year.",[18,45,46,47,50,51,54],{},"But it's moving the right way. Full coverage ",[21,48,49],{},"fell more than 7% in 2025"," and is ",[21,52,53],{},"down about 3% since December",", in a year when the national average has crept up. The mid-year forecast expected a 0.3% rise; the monthly series shows a decline.",[18,56,57,58,61],{},"The pressure underneath: nearly ",[21,59,60],{},"15% of Texas drivers are uninsured",", the state had the second-highest volume of new-car sales in the country, and its two best-selling vehicles — the F-Series and the Silverado — are among the most expensive to insure.",[18,63,64,65,68],{},"Geography is the whole story: ",[21,66,67],{},"Houston drivers pay $156/month for liability; Abilene drivers pay $80."," Harris County is a different market from the rest of Texas.",[18,70,71,72,76],{},"The carrier spread on the same liability profile runs $45 to $180, so ",[30,73,75],{"href":74},"/","see where your own quote lands"," before your next renewal.",[10,78,80],{"id":79},"cheapest-car-insurance-companies-in-texas","Cheapest Car Insurance Companies in Texas",[82,83,84],"p",{},"State Farm leads both columns in Texas by a wide margin — $17 a month cheaper than Progressive for liability, $29 cheaper for full coverage. Texas has one of the deepest carrier tables in the country; 30 insurers post competitive quotes here, and the regional and nonstandard carriers that most out-of-state readers have never heard of (Alinsco, Lone Star, GAINSCO, Trexis One) fill the middle of it.",[86,87,88,104],"table",{},[89,90,91],"thead",{},[92,93,94,98,101],"tr",{},[95,96,97],"th",{},"Insurance company",[95,99,100],{},"Liability only (mo.)",[95,102,103],{},"Full coverage (mo.)",[105,106,107,119,130,141,152,163,174,185,195,206,216,227,238,249,260,271,282],"tbody",{},[92,108,109,113,116],{},[110,111,112],"td",{},"State Farm",[110,114,115],{},"$45",[110,117,118],{},"$87",[92,120,121,124,127],{},[110,122,123],{},"Progressive",[110,125,126],{},"$62",[110,128,129],{},"$116",[92,131,132,135,138],{},[110,133,134],{},"Mile Auto",[110,136,137],{},"$63",[110,139,140],{},"$145",[92,142,143,146,149],{},[110,144,145],{},"GEICO",[110,147,148],{},"$68",[110,150,151],{},"$142",[92,153,154,157,160],{},[110,155,156],{},"USAA",[110,158,159],{},"$80",[110,161,162],{},"$155",[92,164,165,168,171],{},[110,166,167],{},"First Acceptance",[110,169,170],{},"$84",[110,172,173],{},"$206",[92,175,176,179,182],{},[110,177,178],{},"Mercury",[110,180,181],{},"$85",[110,183,184],{},"$140",[92,186,187,190,192],{},[110,188,189],{},"Alinsco",[110,191,118],{},[110,193,194],{},"$174",[92,196,197,200,203],{},[110,198,199],{},"The General",[110,201,202],{},"$88",[110,204,205],{},"$194",[92,207,208,211,214],{},[110,209,210],{},"GAINSCO",[110,212,213],{},"$90",[110,215,194],{},[92,217,218,221,224],{},[110,219,220],{},"Lone Star",[110,222,223],{},"$91",[110,225,226],{},"$213",[92,228,229,232,235],{},[110,230,231],{},"Root",[110,233,234],{},"$98",[110,236,237],{},"$165",[92,239,240,243,246],{},[110,241,242],{},"Allstate",[110,244,245],{},"$107",[110,247,248],{},"$162",[92,250,251,254,257],{},[110,252,253],{},"Safeco",[110,255,256],{},"$110",[110,258,259],{},"$166",[92,261,262,265,268],{},[110,263,264],{},"National General",[110,266,267],{},"$115",[110,269,270],{},"$192",[92,272,273,276,279],{},[110,274,275],{},"Chubb",[110,277,278],{},"$136",[110,280,281],{},"$263",[92,283,284,287,290],{},[110,285,286],{},"Liberty Mutual",[110,288,289],{},"$180",[110,291,292],{},"$264",[82,294,295],{},"Source: Insurify Texas rate data, current as of August 31, 2026 (page updated September 14). Full-coverage figures reflect 50/100/50 liability limits with $1,000 collision and comprehensive deductibles. Selected from a 30-carrier table. Actual quotes vary by driver profile.",[82,297,298],{},"Three things in the table are worth a second look. Progressive is a strong second for full coverage at $116 but only fourth-cheapest for liability, so the runner-up depends on which policy you're buying. Mercury is quietly the fourth-cheapest full-coverage carrier at $140 despite a mid-table liability rate. And Allstate — rated best for minimum coverage in Texas on service metrics — is $107 for liability in the rate table, more than double State Farm. Ratings and rates are different lists.",[10,300,302],{"id":301},"how-much-is-car-insurance-in-texas","How Much Is Car Insurance in Texas?",[82,304,305,308],{},[21,306,307],{},"Texas averages $110/month for liability-only and $204/month for full coverage"," — about 12% and 9% above the national averages of $98 and $187.",[82,310,311,312,316,317,321,322,316,326,330,331,335],{},"The trend is the good news, and it's changed since this guide's July version. Full coverage cost about $2,520 a year in December 2025 and $2,449 in August 2026, a 2.8% decline in eight months, on top of a 7% drop across 2025. The state peaked near $2,757 in February 2025 and has fallen every month since. The mid-year forecast expected Texas to finish 2026 up 0.3%; the monthly series is running the other way, and this guide uses the series as the fresher figure. Texas is in the same current as ",[30,313,315],{"href":314},"/cheap-car-insurance-ohio-2026","Ohio"," and ",[30,318,320],{"href":319},"/cheap-car-insurance-tennessee-2026","Tennessee"," — falling — not the one ",[30,323,325],{"href":324},"/cheap-car-insurance-florida-2026","Florida",[30,327,329],{"href":328},"/cheap-car-insurance-kentucky-2026","Kentucky"," are in. Our ",[30,332,334],{"href":333},"/insights/average-rates-september-2026","September rate report"," has the full national picture.",[82,337,338,339,343],{},"The reasons Texas still sits above the national average are structural: severe-storm, hail, flood, and wildfire exposure across a state the size of a country; nearly 15% of drivers uninsured; and vehicles. Texas had the second-highest new-car sales volume of any state in 2024, and the F-Series pickup and Chevrolet Silverado — the two most popular vehicles in the state — are among the most expensive to insure. This winter adds a wrinkle: NOAA's record-strength El Niño favors a wetter, cooler Texas winter, and our ",[30,340,342],{"href":341},"/blog/texas-super-el-nino-driving-risks-2026","El Niño guide for Texas drivers"," covers what that means on the roads and what comprehensive actually pays for.",[82,345,346],{},"City spread, per Insurify (selected from a 78-city table):",[86,348,349,360],{},[89,350,351],{},[92,352,353,356,358],{},[95,354,355],{},"City",[95,357,100],{},[95,359,103],{},[105,361,362,373,383,394,404,414,425,435,446,457,468,478,489,498,508,519,530,541,551,560],{},[92,363,364,367,370],{},[110,365,366],{},"Big Spring",[110,368,369],{},"$78",[110,371,372],{},"$182",[92,374,375,378,380],{},[110,376,377],{},"Abilene",[110,379,159],{},[110,381,382],{},"$181",[92,384,385,388,391],{},[110,386,387],{},"Temple",[110,389,390],{},"$86",[110,392,393],{},"$177",[92,395,396,399,401],{},[110,397,398],{},"El Paso",[110,400,213],{},[110,402,403],{},"$186",[92,405,406,409,411],{},[110,407,408],{},"Midland",[110,410,213],{},[110,412,413],{},"$201",[92,415,416,419,422],{},[110,417,418],{},"Amarillo",[110,420,421],{},"$92",[110,423,424],{},"$211",[92,426,427,430,432],{},[110,428,429],{},"Lubbock",[110,431,421],{},[110,433,434],{},"$197",[92,436,437,440,443],{},[110,438,439],{},"Killeen",[110,441,442],{},"$97",[110,444,445],{},"$195",[92,447,448,451,454],{},[110,449,450],{},"Laredo",[110,452,453],{},"$104",[110,455,456],{},"$196",[92,458,459,462,465],{},[110,460,461],{},"Fort Worth",[110,463,464],{},"$109",[110,466,467],{},"$203",[92,469,470,473,475],{},[110,471,472],{},"Plano",[110,474,267],{},[110,476,477],{},"$202",[92,479,480,483,486],{},[110,481,482],{},"Austin",[110,484,485],{},"$117",[110,487,488],{},"$209",[92,490,491,494,496],{},[110,492,493],{},"San Antonio",[110,495,485],{},[110,497,424],{},[92,499,500,503,506],{},[110,501,502],{},"Corpus Christi",[110,504,505],{},"$120",[110,507,173],{},[92,509,510,513,516],{},[110,511,512],{},"McAllen",[110,514,515],{},"$122",[110,517,518],{},"$220",[92,520,521,524,527],{},[110,522,523],{},"Dallas",[110,525,526],{},"$124",[110,528,529],{},"$232",[92,531,532,535,538],{},[110,533,534],{},"Garland",[110,536,537],{},"$126",[110,539,540],{},"$226",[92,542,543,546,548],{},[110,544,545],{},"Katy",[110,547,184],{},[110,549,550],{},"$238",[92,552,553,556,558],{},[110,554,555],{},"Sugar Land",[110,557,184],{},[110,559,226],{},[92,561,562,565,568],{},[110,563,564],{},"Houston",[110,566,567],{},"$156",[110,569,570],{},"$267",[82,572,573],{},"The map reads west-cheap, Houston-expensive. The Panhandle, the Permian Basin, and West Texas — Big Spring, Abilene, Midland, El Paso, Amarillo, Lubbock — sit at or below the national liability average. Central Texas and the Metroplex run 10–15% above the state average, with Dallas the priciest of the big four. Then Houston: $156 for liability and $267 for full coverage, nearly double Abilene, with Katy, Sugar Land, Spring, and Humble all pulled up with it. Flooding, congestion, theft, and the Gulf storm track all land on Harris County at once. If you garage a car in the Houston metro, the carrier comparison is worth more to you than to anyone else in Texas.",[10,575,577],{"id":576},"texas-car-insurance-requirements","Texas Car Insurance Requirements",[82,579,580,581,584],{},"Texas requires ",[21,582,583],{},"30/60/25 liability coverage",":",[86,586,587,597],{},[89,588,589],{},[92,590,591,594],{},[95,592,593],{},"Coverage type",[95,595,596],{},"Texas minimum",[105,598,599,607,615,623,631],{},[92,600,601,604],{},[110,602,603],{},"Bodily injury liability, per person",[110,605,606],{},"$30,000",[92,608,609,612],{},[110,610,611],{},"Bodily injury liability, per accident",[110,613,614],{},"$60,000",[92,616,617,620],{},[110,618,619],{},"Property damage liability, per accident",[110,621,622],{},"$25,000",[92,624,625,628],{},[110,626,627],{},"Personal injury protection (PIP)",[110,629,630],{},"$2,500 — included unless declined in writing",[92,632,633,636],{},[110,634,635],{},"Uninsured/underinsured motorist",[110,637,638],{},"Up to your liability limits — included unless declined in writing",[82,640,641,642,645],{},"Texas is an ",[21,643,644],{},"at-fault (tort) state",": the driver who causes the crash pays. The two \"included unless declined\" lines are the Texas wrinkle. Insurers must put $2,500 in PIP and UM/UIM coverage in every policy they sell, and you can only remove them by rejecting them in writing. Given the state's uninsured rate, declining UM/UIM is one of the more expensive ways to save a few dollars a month.",[82,647,648,649,652,653,657,658,662,663,667],{},"Texas is also an ",[21,650,651],{},"SR-22 state",". A DWI conviction, driving without insurance, or certain suspensions require the filing, typically for two years, and SR-22 policies average about $198 a month. The state's TexasSure database verifies coverage electronically against registrations, so a lapse gets noticed. Our ",[30,654,656],{"href":655},"/blog/what-is-sr-22-insurance","SR-22 explainer"," covers the mechanics, our ",[30,659,661],{"href":660},"/blog/car-insurance-suspended-license","suspended-license guide"," covers reinstatement, and our ",[30,664,666],{"href":665},"/blog/car-insurance-after-coverage-lapse","coverage-lapse guide"," covers what a gap does on its own.",[10,669,671],{"id":670},"texas-rates-by-driver-profile","Texas Rates by Driver Profile",[82,673,674],{},"Texas is the one state in our library where two data sources cover the same ground well enough to show side by side. The carrier and city tables above are real-quote medians from the source cited in the Summary. The driver-profile figures below are NerdWallet's August 2026 medians for full coverage, which break out violations in more detail.",[86,676,677,693],{},[89,678,679],{},[92,680,681,684,687,690],{},[95,682,683],{},"Driver profile",[95,685,686],{},"Cheapest carrier",[95,688,689],{},"Cheapest median (mo.)",[95,691,692],{},"Source",[105,694,695,707,721,733,745,757,769,781,792],{},[92,696,697,700,702,704],{},[110,698,699],{},"Clean record (liability)",[110,701,112],{},[110,703,115],{},[110,705,706],{},"Insurify, Aug 2026",[92,708,709,712,715,718],{},[110,710,711],{},"Clean record (full coverage)",[110,713,714],{},"Auto Club of SoCal",[110,716,717],{},"$129",[110,719,720],{},"NerdWallet, Aug 2026",[92,722,723,726,728,731],{},[110,724,725],{},"Speeding ticket (full coverage)",[110,727,112],{},[110,729,730],{},"$168",[110,732,720],{},[92,734,735,738,740,743],{},[110,736,737],{},"At-fault accident (full coverage)",[110,739,112],{},[110,741,742],{},"$190",[110,744,720],{},[92,746,747,750,752,755],{},[110,748,749],{},"DWI (full coverage)",[110,751,112],{},[110,753,754],{},"$247",[110,756,720],{},[92,758,759,762,764,767],{},[110,760,761],{},"High-risk / incidents (liability)",[110,763,112],{},[110,765,766],{},"$56",[110,768,706],{},[92,770,771,774,776,779],{},[110,772,773],{},"Bad credit (liability)",[110,775,112],{},[110,777,778],{},"$65",[110,780,706],{},[92,782,783,786,788,790],{},[110,784,785],{},"Teen driver (liability)",[110,787,112],{},[110,789,213],{},[110,791,706],{},[92,793,794,797,799,802],{},[110,795,796],{},"Senior driver (liability)",[110,798,112],{},[110,800,801],{},"$35",[110,803,706],{},[82,805,806,807,811,812,316,816,820],{},"The two sources agree on the headline: State Farm leads nearly every Texas profile, and it leads by more for drivers with a record than for clean ones. NerdWallet's August analysis puts the cheapest full-coverage rate after a ticket at $168 and after an accident at $190 — up from $110 and $159 in its spring analysis, when Texas Farm Bureau led the ticket row. That's a meaningful move in the high-risk rows even as the state average falls, and it's why a Texas driver with a violation should treat the deferred-disposition option seriously: our ",[30,808,810],{"href":809},"/blog/texas-deferred-disposition-ticket","deferred disposition guide"," covers how to keep a first ticket off the record entirely. Our ",[30,813,815],{"href":814},"/blog/how-to-lower-rate-after-accident","post-accident rate guide",[30,817,819],{"href":818},"/blog/does-not-at-fault-accident-raise-rates","not-at-fault accident explainer"," cover what actually moves after a claim.",[82,822,823,824,828],{},"Credit counts in Texas. The state's average score is 692, and insurers can use a credit-based insurance score: bad-credit drivers pay about $65 for liability at State Farm against $45 for good credit. The ",[30,825,827],{"href":826},"/guide/credit-score","credit-score playbook"," applies in full.",[82,830,831,832,835,836,840,841,843],{},"Teens pay about ",[21,833,834],{},"$90/month for liability at State Farm",", double the adult rate; our ",[30,837,839],{"href":838},"/blog/choosing-safe-first-car-teen-driver","teen safe-car guide"," covers the vehicle side. Seniors do best of anyone at ",[21,842,801],{},", and Texas law requires insurers to honor a defensive-driving-course discount for drivers who complete an approved course.",[10,845,847],{"id":846},"how-to-save-on-car-insurance-in-texas","How to Save on Car Insurance in Texas",[849,850,851,857,863,869,875,881,887],"ol",{},[18,852,853,856],{},[21,854,855],{},"Quote State Farm first, then Progressive and GEICO."," The cheapest carrier in Texas is $17 a month ahead of second place for liability; it's the benchmark everything else has to beat.",[18,858,859,862],{},[21,860,861],{},"Consider dropping full coverage if you own the car outright."," Nearly 65% of Texans do. If you can absorb a repair bill on an older vehicle, comprehensive and collision are the part of the premium you can actually remove.",[18,864,865,868],{},[21,866,867],{},"Keep the UM/UIM."," It's in the policy by default, and with nearly one in seven Texas drivers uninsured, it's the coverage most likely to pay.",[18,870,871,874],{},[21,872,873],{},"If you're in Houston, shop twice as hard."," The Harris County premium is carrier-specific, and the spread is widest where the base rate is highest.",[18,876,877,880],{},[21,878,879],{},"Use deferred disposition on a first ticket."," Texas lets most drivers keep a citation off the record for a court fee and a clean 180 days. The surcharge you never pay is the biggest discount in the state.",[18,882,883,886],{},[21,884,885],{},"Take the defensive-driving course."," The discount is written into Texas law, and the same course is the ticket-dismissal route.",[18,888,889,892,893,896,897,901,902,905],{},[21,890,891],{},"Compare before renewal, not after."," In a falling market, a renewal may come in lower — but only if your carrier passes the decline along. ",[30,894,895],{"href":74},"Pull fresh quotes"," a month out, check the ",[30,898,900],{"href":899},"/cheapest-car-insurance-companies-2026","national standings",", and ",[30,903,904],{"href":74},"price your own profile"," against the tables above.",[907,908],"hr",{},[82,910,911],{},[912,913,914],"em",{},"Carrier, city, and average rate data from Insurify's Texas car insurance analysis, updated September 14, 2026, with table rates current as of August 31, 2026, based on real-time quotes from 500+ partner insurers for drivers ages 20–70 with clean records and average or better credit unless noted. Annual trend figures from the same source's monthly Texas series (December 2025–August 2026); its 2026 Mid-Year Auto Report projected a 0.3% increase for 2026, which the series contradicts — this guide uses the series as the fresher figure. Driver-record and full-coverage profile medians per NerdWallet's August 2026 Texas analysis; this page's dual-source table is by design and each row states its source. State requirements per the Texas Department of Insurance as cited in the same analyses. Actual quotes vary by driver profile.",{"title":916,"searchDepth":917,"depth":917,"links":918},"",2,[919,920,921,922,923,924],{"id":12,"depth":917,"text":13},{"id":79,"depth":917,"text":80},{"id":301,"depth":917,"text":302},{"id":576,"depth":917,"text":577},{"id":670,"depth":917,"text":671},{"id":846,"depth":917,"text":847},null,"savings","Houston pays nearly double Abilene for liability.","$45/mo for liability (Aug 2026)","TX","2026-09-15","2026-07-02","State Farm leads Texas at $45/mo for liability and $87 for full coverage. Compare TX companies, city rates from Abilene to Houston, and the 2026 trend.",false,"md",[936,939,942,945,948,951],{"question":937,"answer":938},"Who has the cheapest car insurance in Texas?","State Farm has the cheapest car insurance in Texas, averaging $45 per month for liability-only coverage and $87 for full coverage, according to rate data current as of August 2026. Progressive ($62/$116) and Mile Auto ($63/$145) are next, and all three sit well below the state averages of $110 and $204.",{"question":940,"answer":941},"How much is car insurance in Texas in 2026?","Texas drivers pay an average of $110 per month for liability-only coverage and $204 per month for full coverage — above the national averages of $98 and $187. Full coverage runs about $2,449 a year as of August 2026, down about 3% since December after a 7% decline in 2025.",{"question":943,"answer":944},"Is car insurance going down in Texas?","Yes, slowly. Texas full-coverage rates fell more than 7% in 2025 and have kept easing through 2026 — from about $2,520 a year in December to $2,449 in August. The mid-year forecast called for a 0.3% increase; the monthly series shows a decline instead. Texas remains above the national average because of weather claims, uninsured drivers, and expensive vehicles.",{"question":946,"answer":947},"What are Texas's minimum car insurance requirements?","Texas requires 30/60/25 liability coverage: $30,000 in bodily injury per person, $60,000 per accident, and $25,000 in property damage. Insurers must include $2,500 in personal injury protection and uninsured/underinsured motorist coverage in every policy unless you decline them in writing. Texas is an at-fault state.",{"question":949,"answer":950},"How much does a ticket or accident raise rates in Texas?","At the cheapest carrier, State Farm, full coverage runs about $168 per month with a speeding ticket, $190 after an at-fault accident, and $247 with a DWI, per NerdWallet's August 2026 analysis. Texas drivers can often keep a first ticket off their record entirely through deferred disposition, which avoids the surcharge altogether.",{"question":952,"answer":953},"Does Texas require an SR-22?","Yes, for certain drivers. Texas requires an SR-22 filing after a DWI conviction, driving without insurance, and some suspensions, typically for two years. SR-22 policies in Texas average about $198 per month, and State Farm is the cheapest carrier for most Texas high-risk profiles at about $56 for drivers with incidents on their record.",{},true,"/cheap-car-insurance-texas-2026",[958,962,966,970,974,978,981],{"path":959,"title":960,"description":961},"/cheap-car-insurance-arizona-2026","Cheapest Car Insurance in Arizona (2026)","The cheapest Arizona insurers compared by city, driver profile, and coverage level.",{"path":963,"title":964,"description":965},"/cheap-car-insurance-colorado-2026","Cheapest Car Insurance in Colorado (2026)","The cheapest Colorado insurers compared by city, driver profile, and coverage level.",{"path":967,"title":968,"description":969},"/cheap-car-insurance-new-mexico-2026","Cheapest Car Insurance in New Mexico (2026)","The cheapest New Mexico insurers compared by city, driver profile, and coverage level.",{"path":971,"title":972,"description":973},"/cheap-car-insurance-missouri-2026","Cheapest Car Insurance in Missouri (2026)","The cheapest Missouri insurers compared by city, driver profile, and coverage level.",{"path":975,"title":976,"description":977},"/cheap-car-insurance-louisiana-2026","Cheapest Car Insurance in Louisiana (2026)","The cheapest Louisiana insurers compared by city, driver profile, and coverage level.",{"path":899,"title":979,"description":980},"Cheapest Car Insurance Companies of 2026","The cheapest car insurance companies ranked nationally.",{"path":982,"title":983,"description":984},"/best-car-insurance-companies-2026","Best Car Insurance Companies of 2026","Top insurers ranked by claims satisfaction, financial strength, and fit.","guide",{"title":5,"description":932},"cheap-car-insurance-texas-2026",[989,990,991,992],"texas","cheap car insurance","rates","2026","0gzu3R-hDy0xq_MDXEroKTcZummU_GgLxFvSxdDMiOc"]