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Cheap Auto Insurance in Texas for 2025 (10 Companies With the Lowest Rates)

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Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Mar 25, 2025

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Cheapest in Texas: USAA
4.7

Company Facts

Min. Coverage in Texas

$23/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Military Discounts
  • Excellent Customer Service
  • Comprehensive Coverage
  • Affordable Rates
  • Flexible Policies
  • Eligibility Restrictions
  • Limited Availability
  • No Local Offices
2nd Cheapest in Texas: State Farm
4.3

Company Facts

Min. Coverage in Texas

$33/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Competitive rates for good drivers
  • Large network of agents
  • Strong customer service
  • Many discounts
  • Good bundling options
  • Higher rates for high-risk drivers
  • Fewer online tools
  • Limited specialty coverage
3rd Cheapest in Texas: Travelers
4.1

Company Facts

Min. Coverage in Texas

$37/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Competitive rates & discounts
  • Accident forgiveness
  • Safe driving rewards
  • Pricey for high-risk drivers
  • Limited availability

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Cheap Auto Insurance in Texas: USAA, State Farm and Travelers

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Our Top 10 Company Picks: Cheap Auto Insurance in Texas

CompanyRankMonthly RatesA.M. BestBest ForJump to Pros/Cons
USAA: Cheap Auto Insurance in Texas#1$23A++Exceptional ServiceUSAA
State Farm: Cheap Auto Insurance in Texas#2$33BNationwide PresenceState Farm
Travelers: Cheap Auto Insurance in Texas#3$37A++Diverse CoverageTravelers
Geico: Cheap Auto Insurance in Texas#4$39A++Affordable RatesGeico
Progressive: Cheap Auto Insurance in Texas#5$45A+Innovative OptionsProgressive
Farmers: Cheap Auto Insurance in Texas#6$51AComprehensive PoliciesFarmers
Nationwide: Cheap Auto Insurance in Texas#7$57A+Flexible DiscountsNationwide
American Family: Cheap Auto Insurance in Texas#8$65ACustomer FocusAmerican Family
Liberty Mutua: Cheap Auto Insurance in Texas#9$66ACustomizable PlansLiberty Mutual
Allstate: Cheap Auto Insurance in Texas#10$75A+Trusted ReputationAllstate

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