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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Drivers in Denton, Texas, pay an average rate of $172 per month for car insurance, according to Compare.com data. The city’s average rate may be higher than the national average of $151 per month because Texas frequently experiences severe weather, leading to more weather-related claims.[1] When you add in more drivers on the road and rising repair costs, it’s no surprise that insurance companies are also raising prices.
Many companies, like State Farm, offer premiums well below the Texas average. Its monthly average cost in Denton is just $39.
We analyzed car insurance quotes in Denton even further to help you find the cheapest car insurance by driver profile and coverage type.
State Farm, GEICO, and Allstate are the cheapest car insurance companies in Denton.
On average, Denton drivers pay $120 per month for liability-only and $224 for full coverage.
Teens pay the most per month, averaging $329, but State Farm may offer cheaper rates.
Several companies have average rates well below the Denton average. See the table below for some of the best car insurance companies for cheap premiums, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $39 |
| GEICO | $42 |
| Allstate | $55 |
| Mile Auto | $59 |
| USAA | $69 |
| Nationwide | $87 |
| Mercury | $89 |
| Root | $103 |
| Progressive | $107 |
| Dairyland | $113 |
| Safeco | $117 |
| Chubb | $118 |
| Clearcover | $127 |
| National General | $129 |
| The General | $129 |
| Direct Auto | $130 |
| AssuranceAmerica | $131 |
| Bristol West | $132 |
| 21st Century | $136 |
| Commonwealth Casualty | $136 |
| Elephant | $149 |
| GAINSCO | $165 |
| Foremost | $219 |
| Liberty Mutual | $230 |
| State Auto | $261 |
The company with the cheapest car insurance in Denton, Texas, is State Farm, with an average rate of $39 per month.
Multiple factors determine your insurance rate, including your age, driving record, ZIP code, and coverage needs.[2] We break down each rating factor below and show which insurers offer the cheapest premiums.
Compare personalized quotes from Denton’s top insurers.
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Though getting quotes from the companies above is a good start, personal information — like your driving record, claims history, age, and credit history — can significantly affect your insurance rate.
The table below shows the cheapest car insurance companies by driver and coverage type, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $39 |
| Full coverage | State Farm | $71 |
| Teens | State Farm | $73 |
| Seniors | State Farm | $29 |
| Drivers with a speeding ticket | State Farm | $50 |
| Drivers with an at-fault accident | State Farm | $52 |
| Drivers with a DUI | State Farm | $63 |
| Drivers with excellent credit | State Farm | $34 |
| Drivers with poor credit | GEICO | $50 |
We build on this list by providing the cheapest insurance companies for each coverage type and driver profile below. You can get the most accurate quote for your unique driver profile by contacting insurers directly or using a comparison website to get several quotes at once.
Minimum-liability coverage in Denton costs an average of $120 per month, according to Compare.com data. But you may need more than state-minimum coverage to protect your finances if you cause an accident and someone sues you. That’s why most insurance experts recommend buying higher amounts of liability insurance.[3] If you don’t, you might have to pay the extra costs yourself.
If you need only minimum coverage, check out these five cheapest companies, according to Compare.com data.
State Farm has an average monthly cost of just $39, making it the cheapest car insurance company in Denton for state-minimum liability coverage.
A full-coverage policy may be a better option if you finance or lease your car. Liability insurance covers other drivers, while full coverage (which includes comprehensive and collision coverage) also pays for damage to your car.[4] Full coverage may also include personal injury protection (PIP) or medical payments for your injuries.
The average rate for a full-coverage insurance policy in Denton is $224, according to our data. But you might find even cheaper insurance rates with the companies listed in the chart below.
Denton’s cheapest auto insurance company for full coverage is State Farm, with an average premium of $71 per month.
Risky teen driving behaviors, such as distracted driving and speeding, cause the most car accidents among all age groups, according to the Centers for Disease Control and Prevention (CDC).[5] These factors, combined with inexperience behind the wheel, result in teens having the highest insurance costs of any age group.
The average insurance rate for teens in Denton is $329, according to Compare.com data. The chart below shows the five cheapest insurers for teen drivers.
The cheapest insurance company for teen drivers in Denton is State Farm, averaging $73 per month.
While teens and young drivers usually pay the most for car insurance, seniors typically get the cheapest rates of any age group. This is because older drivers tend to drive fewer miles and avoid driving at night, leading to fewer crashes.[6] But rates increase when you reach age 70.
Seniors in Denton pay an average insurance rate of $135 per month, according to Compare.com data. The companies in the chart below have the cheapest car insurance for seniors, based on our analysis.
With an average monthly rate of $29, State Farm is the cheapest auto insurance company for seniors in Denton.
Getting even a single speeding ticket can cause your insurance rates to increase. In fact, our research uncovered that the national average rate increase after a ticket is 27%. If you have a speeding ticket, you’ll pay an average of $164 per month for liability-only insurance in Denton, according to Compare.com data.
If you have a recent speeding ticket on your record, consider getting quotes from the following companies, which have the cheapest rates on average, according to our data.
State Farm is the cheapest car insurance company in Denton if you have a recent speeding ticket. Its average monthly rate is $50.
An at-fault accident increases car insurance premiums by an average of 33% nationally, according to our research. If you live in Denton, Texas, and have an accident on your record, you’ll pay an average monthly insurance rate of $243.
The chart below shows Denton’s cheapest auto insurers if you’re a driver with a recent at-fault accident, according to Compare.com data.
State Farm has the cheapest average liability-only rates in Denton if you have a recent accident on your record. Policies cost an average of $52 per month.
On average, drivers with a DUI conviction pay 59% more nationally than people with a clean driving record. The average monthly insurance rate for a Denton driver with a DUI conviction is $277, according to Compare.com data.
A DUI is a severe driving infraction that can lead to hefty insurance hikes. But the chart below lists five of the cheapest insurers for drivers in Denton with a DUI on their record, based on our research.
State Farm is the cheapest Denton car insurance company for drivers with a DUI conviction, averaging $63 per month for liability-only coverage.
Nationally, drivers with poor credit pay 40% more than people with excellent credit scores. If you’re a Denton driver with bad credit, you can expect to pay an average of $215 per month, according to Compare.com data. Paying your bills on time is one way to improve your credit and potentially lower your insurance premium, especially since Texas allows insurers to consider your credit history when determining your rates.[7]
The chart below shows Denton’s five cheapest car insurance companies for drivers with bad credit, according to Compare.com data.
The cheapest insurance company for drivers with poor credit in Denton is GEICO, with an average monthly premium of $50.
Compare quotes side by side and lock in cheaper rates.
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Like nearly every state, Texas requires its drivers to have liability insurance to legally drive.[3] The minimum liability limits, according to the Texas Department of Insurance (TDI), are:
$30,000 per person for bodily injury liability
$60,000 per accident for bodily injury liability
$25,000 per accident for property damage liability
Though it’s not a requirement, you might want to consider adding uninsured motorist coverage to your insurance policy. Around 20% of Texas drivers don’t have insurance,[8] which means you could pay out of pocket for an accident someone else causes — even though you aren’t at fault. Your insurer can cover some or all of the costs if you have uninsured motorist coverage.
Most insurance experts recommend you buy enough liability insurance to cover your net worth. If you don’t have high enough liability limits and another driver sues you after you cause an accident, you could end up paying the difference.
If you finance or lease your car, lenders also usually require you to have a full-coverage insurance policy to cover any damage to your vehicle.[9]
We answered the most common questions Denton drivers ask about getting cheap car insurance.
The cheapest auto insurance company in Denton is State Farm, according to Compare.com data. Its average rate for liability-only coverage is $39 per month.
Car insurance averages $172 per month in Denton, according to Compare.com data. You’ll pay an average monthly rate of $120 for liability-only coverage, while full coverage costs an average of $224.
The cheapest car insurance company in Texas depends on factors like your age, driving record, and ZIP code. That said, you might find cheap auto insurance from State Farm, GEICO, or Allstate, according to Compare.com data.
Yes. Texas’ auto insurance rates, averaging $176 per month, are higher than the $151 national average. But rates can vary widely, as weather patterns, vehicle theft rates, repair costs, and healthcare costs differ by location.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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