Texas Cities With The Cheapest Car Insurance

Whether you’re stuck in bumper-to-bumper traffic in Austin, trying to merge in Houston, or simply just trying to make it across the Dallas/Fort Worth area, Texans rely heavily on personal cars for transportation. With a vehicle comes the responsibility of carrying car insurance, as drivers are legally required to have a minimum of liability coverage. Every driver in Texas is looking to be protected but doesn’t want to overpay for their coverage. These are the 10 best cities in Texas with the cheapest car insurance options based on our state’s most populated cities:

CityFull Coverage Avg.State Minimum Avg.Basic Avg.
Lubbock$732$687$710
Austin$747$716$732
El Paso$777$740$759
Laredo$826$757$792
Fort Worth$826$791$809
Arlington$842$810$826
San Antonio$890$832$861
Dallas$934$899$917
Corpus Christi$954$886$920
Houston$941$909$925

*Methodology from HelpInsure: Based on the most popular zip code in each county for each city, female driver, married, 25-64 years old, average credit score, drives a car, drives more than 18,000 miles per year, has not caused an accident or received a speeding ticket in the past 3 years. 

*Methodology from HelpInsure: Based on the most popular zip code in each county for each city, female driver, married, 25-64 years old, average credit score, drives a car, drives more than 18,000 miles per year, has not caused an accident or received a speeding ticket in the past 3 years. 

As you can see, drivers in Lubbock, TX have it the best as their premiums are the lowest across the board. Conversely, drivers in Houston, TX and Corpus Christi, TX can expect to pay a bit more than most metro areas in the Lone Star State. No matter where you live, drivers need coverage and can take advantage of multiple ways to save on their car insurance premiums.

The Five Cheapest Cities for Car Insurance in Texas

As we can see, residents of Lubbock, Austin, El Paso, Laredo, and Fort Worth, Texas enjoy some of the cheapest car insurance rates in the state, but which carriers provide the best rates within those cities? Whether you are looking to simply stay legal or gain full coverage for your vehicle, take a closer look at the best insurance brands available for motorists:

Lubbock’s Most Affordable Auto Insurance Options:

Insurance CarrierFull Coverage Avg.Insurance CarrierState Minimum Avg.
1. Allstate Fire and Casualty
Insurance Company
$3411. Economy Preferred Insurance Company$303
2. United Services Automobile Association$3762. United Services Automobile Association$340
3. USAA Casualty
Insurance Company
$3953. Geico County Mutual Insurance Company$363
4. Geico County Mutual Insurance Company$4054. USAA
Casualty Insurance Company
$363
5. Economy Preferred Insurance Company$4135. Allstate Fire and Casualty
Insurance Company
$367

Austin’s Cheapest Auto Insurance Providers:

Insurance CarrierFull Coverage Avg.Insurance CarrierState Minimum Avg.
1. United Services Automobile Association$3801. Economy Preferred Insurance Company$311
2. USAA Casualty
Insurance Company
$4052. United Services Automobile Association$346
3. Economy Preferred Insurance Company$4243. USAA Casualty
Insurance Company
$374
4. Allstate Fire and Casualty
Insurance Company
$4314. Geico County Mutual Insurance Company$414
5. Progressive County Mutual Insurance Company$4505. Progressive County Mutual Insurance Company$423

El Paso’s Cheapest Car Insurance Carriers:

Insurance CarrierFull Coverage Avg.Insurance CarrierState Minimum Avg.
1. Allstate Fire and Casualty
Insurance Company
$3411. Economy Preferred Insurance Company$291
2. Economy Preferred Insurance Company$3982. United Services Automobile Association$362
3. United Services Automobile Association$4043. Allstate Fire and Casualty
Insurance Company
$367
4. Progressive County Mutual Insurance Company$4334. Geico County Mutual Insurance Company$396
5. USAA Casualty
Insurance Company
$4455. Progressive County Mutual Insurance Company$398

Laredo’s Most Affordable Auto Insurance Carriers:

Insurance CarrierFull Coverage Avg.Insurance CarrierState Minimum Avg.
1. Allstate Fire and Casualty
Insurance Company
$4311. Economy Preferred Insurance Company$322
2. USAA Casualty
Insurance Company
$4382. United Services Automobile Association$391
3. United Services Automobile Association$4403. USAA Casualty
Insurance Company
$395
4. Economy Preferred Insurance Company$4444. Geico County Mutual Insurance Company$398
5. Geico County Mutual Insurance Company$4575. Allstate Fire and Casualty
Insurance Company
$460

Fort Worth’s Cheap Auto Insurance Options:

Insurance CarrierFull Coverage Avg.Insurance CarrierState Minimum Avg.
1. Allstate Fire and Casualty
Insurance Company
$3901. Economy Preferred Insurance Company$311
2. United Services Automobile Association$4022. United Services Automobile Association$364
3. Economy Preferred Insurance Company$4243. USAA Casualty
Insurance Company
$392
4. USAA Casualty
Insurance Company
$4274. Allstate Fire and Casualty
Insurance Company
$418
5. Geico County Mutual Insurance Company$4865. Geico County Mutual Insurance Company$438

*Methodology from HelpInsure: Based on the most popular zip code in each county for each city, female driver, married, 25-64 years old, average credit score, drives a car, drives more than 18,000 miles per year, has not caused an accident or received a speeding ticket in the past 3 years. 

Simple Ways to Save on Your Car Insurance

Drivers may be surprised to learn that there are plenty of ways they can save on their car insurance policies. Everything from driving safer to being a student to bundling and more are available ways for drivers to save more on their coverage. Not all discounts will work for your needs but the good news is that there are many ways to qualify for car insurance discounts and by speaking with your agent, you’re almost guaranteed to find a way to save. Take a look at some of the popular opportunities to save available to drivers in Texas:

  • Accident-Free/Good Driver- The perfect discount for drivers who drive safely and avoid getting in accidents. Many insurance carriers offer accident forgiveness coverage which may be the right car insurance for you.
  • Alumni/Professional- Many alumni and professional associations work with insurance brands for discounts to their organization and if you are a member, you may qualify for these discounts.
  • Bundling- The best way to save on your car insurance is to bundle it with another policy such as your home insurance, a boat policy for your watercraft, etc.
  • Electronic Billing– Customers who receive paperless or automatic billing can receive a discount as companies pass the savings of less overhead to their clients.
  • Low-Mileage/Low-Usage– Most drivers in America drive well over 7,000-8,000 miles a year. You may be eligible for a discount as you are less risky to insure for those who do not.
  • Military- As a “thank you” to our Armed Forces, many car insurance brands offer military discounts to active duty and veterans.
  • Multi-Car- In a similar way that bundling your car insurance policy with another insurance policy can earn you savings, having multiple vehicles on the same car insurance policy can help you stay covered all while saving more.
  • Student- Younger drivers can often face harsher insurance premiums, but discounts may be available through safe driving and good grades.

Different car insurance brands offer different discounts. You’ll also notice that different discounts apply to different walks of life. Either way, the team at TGS Insurance is ready to help you find the right discounts for your car insurance starting with a free quote today!

Texans Save More on Car Insurance With TGS Insurance

Your car insurance is there to protect you from the many perils drivers face on the roads today. It can keep you out of legal trouble, protect against liability, and restore losses after an accident, but that doesn’t mean you have to overpay for great coverage. At TGS Insurance, we believe in finding our clients the best coverage for their needs for the lowest cost available. 

Drivers in Texas save an average of $1,237 a year when switching to TGS Insurance. By comparison shopping your auto insurance policy among our 35+ top-rated insurance providers, we can find the best coverage at the lowest price. Get started with your free auto insurance quote today!

About Katie Rosario

Katie has been in the marketing industry for over 10 years and has a strong passion for writing great content. She has been writing for TGS Insurance for three years and strives to make every piece of content she works on informative and easy to read. In her spare time, she enjoys baking and spending time with her family.