Insurance

How to Get the Cheapest Car Insurance in Texas

Everything might be bigger in Texas, but that doesn’t mean your insurance bill has to be. Check out our latest guide and find out how you can save on your next auto insurance policy.

The average Texas driver pays a little over $1,150 a month on car insurance according to the Insurance Information Institute — slightly more than the national average. But that doesn’t mean you’re stuck with paying more. We’ve analyzed thousands of real-life quotes from drivers all over the Lone Star State so that you can find the best policy for your budget.

The Cheapest Car Insurance Companies in Texas for 2022

Want to find out how to save money on your Texas car insurance? We did the hard work for you and found which companies offer the best cheap car insurance in Texas. Whether you’re a teen or retired, have a spotless record, or a spotty one, you can find affordable insurance that fits your budget.

Keep reading to learn how you can save on your auto insurance premiums and other important information related to meeting Texas car insurance requirements to drive legally in the state:

The Cheapest Rates for Texas Teens

Choosing the right auto insurance protects you and your teen driver from liability caused by an accident. While it’s no secret that insurance for teens can be costly, we’ve outlined ten of the most affordable companies for teen drivers in Texas. Just check out the table below.

Commonwealth Casualty offers the most affordable car insurance, with rates starting at $156/mo. Other affordable options are Infinity at $168/mo., Clearcover at $184/mo., and Gainsco at $211/mo.

There may be additional savings to be had. Take some time to hop online and compare rates. With Compare.com, just 5 minutes of your time can lead to significant savings.

The Best Rates for Young Texans

Young drivers in Texas — those between 18-24 — can expect to pay more for car insurance because they’re statistically more likely to get into accidents and file insurance claims. Thankfully, additional factors such as driving history, location, gender, and previous insurance history can affect rates as well, so there is hope. Our research found companies offering some of the cheapest insurance rates to young drivers in Texas.

Insurance Company Monthly Premium
Commonwealth Casualty $104/mo
Mercury $126/mo
Clearcover $133/mo
Gainsco $153/mo
Bridge Net $156/mo
Infinity $156/mo
First Chicago $168/mo
Liberty Mutual $175/mo
Direct Auto $180/mo
Elephant $187/mo

Once again, Commonwealth Casualty comes in as having the most affordable liability insurance at $104 monthly. Next, listed cheapest to most expensive, are Mercury ($126/mo), Clearcover ($133/mo), Gainsco ($153/mo), Bridge Net ($156/mo), Infinity ($156/mo), First Chicago ($168/mo), Liberty Mutual ($175/mo), Direct Auto ($180/mo), and Elephant ($187/mo).

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Cheap Car Insurance for Texas Retirees

Generally, more experience on the road pays off. Because of this, drivers around retirement age tend to get the best rates for car insurance. But just because you’re paying less than you ever have doesn’t mean there aren’t more savings out there. Below, we’ve identified ten companies that offer cheap auto insurance to retired drivers.

Insurance Company Monthly Premium
Commonwealth Casualty $56/mo
Liberty Mutual $72/mo
Safeco $76/mo
Gainsco $83/mo
Bridge Net $85/mo
Apparent $92/mo
Clearcover $93/mo
Direct Auto $94/mo
Elephant $100/mo
Travelers $109/mo

As you can see, Commonwealth Casualty again comes out on top, with rates for retired drivers running $56 a month on average. Other affordable quotes for Texas drivers include rates from Safeco, Liberty Mutual, and GAINSCO.

Best Rates for Married Drivers in Texas

If you’re married, your car insurance is probably less expensive than that of your single friends and family. That’s because insurance companies usually see married drivers in Texas as more stable, dependable, and less likely to participate in risky driving habits.

The nine companies we’ve listed below offer some of the cheapest car insurance for married couples in Texas.

Insurance Company Monthly Premium
Commonwealth Casualty $51/mo
Assurance America $69/mo
Gainsco $77/mo
Safeco $80/mo
Liberty Mutual $81/mo
Bridge Net $87/mo
Infinity $89/mo
Clearcover $94/mo
Esurance $108/mo

As you can see, Commonwealth Casualty has once again topped the list of insurers offering the most affordable auto rates in Texas. Rounding out the top ten are Assurance America ($69/mo), Gainsco ($77/mo), Safeco ($80/mo), Liberty Mutual ($81/mo), Bridge Net ($87/mo), Infinity ($89/mo), Clearcover ($94/mo) and Esurance ($108/mo).

Even more significant savings may be available for you and your partner if you’re willing to put some time and energy into comparing insurance rates. You can get started at Compare.com.

Cheapest Car Insurance for Single Texans

When it comes to car insurance, marital status matters. Single drivers in Texas can expect to fork over a little more money each month than married drivers. But rest assured, there are cheap insurance options available for single drivers. Take at the ten most affordable auto insurance premiums we found.

The company with the most affordable rate is Commonwealth Casualty. As you can see, their liability-only policy will run you around $60 every month.

Other insurers offering competitive rates are Mile Auto ($64/mo), Assurance America ($68/mo), Liberty Mutual ($87/mo), Mercury ($91/mo), Safeco ($91/mo), Gainsco ($93/mo), First Chicago ($96/mo), Carnegie General ($102/mo), and Direct Auto ($103/mo).

The Most Affordable Rates for Men & Women in Texas

Nationwide, car insurance is usually a little less for women than men. It makes sense as women are statistically less likely to be involved in an accident than men. Women are also more likely to wear their seat belts and exercise safer driving practices.

Monthly Premium
Female $91/mo
Male $96/mo

Cheapest Quotes for Male Drivers

According to auto insurers, men pose a higher risk while driving than women. That’s because they are more likely to exhibit unsafe driving habits including getting speeding tickets, drinking while driving, and being involved in accidents, to name a few. These risks can make car insurance more expensive than for women.

Via
compare.com
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