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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Full-coverage car insurance is ideal for Texas drivers who want more protection on the road. This type of coverage generally includes bodily injury and property damage liability insurance, collision insurance, and comprehensive coverage.
A full-coverage policy costs more than the minimum coverage Texas law requires, but it also ensures that your car has ample protection. Plus, lenders or leasing companies often require it if you lease or finance your car.
Texas drivers pay an average of $230 per month for full coverage, according to Compare.com. But you can find cheaper rates with companies like State Farm and GEICO. Here’s what to know if you’re shopping for full-coverage car insurance in Texas.
State Farm offer the cheapest average rates for full coverage, at $73 per month.
State Farm, GEICO, and Allstate are among the top full-coverage insurers for Texas drivers.
You can lower your full-coverage car insurance by researching discounts, increasing your deductible, and comparing multiple insurers before purchasing a policy.
Car insurance rates vary by company and other personal factors, including your driving history, age, credit, and ZIP code. That said, certain companies offer more affordable average rates than others.
Here are the cheapest car insurance companies for full coverage in Texas, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $73 |
| GEICO | $79 |
| Allstate | $103 |
| Mile Auto | $121 |
| USAA | $130 |
| Mercury | $161 |
| Nationwide | $164 |
| Progressive | $178 |
| Safeco | $192 |
| Root | $207 |
| Clearcover | $210 |
| Chubb | $221 |
| Direct Auto | $246 |
| Elephant | $249 |
| National General | $252 |
| Hugo | $253 |
| 21st Century | $255 |
| The General | $261 |
| Bristol West | $273 |
| Dairyland | $295 |
| AssuranceAmerica | $296 |
| Liberty Mutual | $330 |
| GAINSCO | $356 |
| Commonwealth Casualty | $378 |
| Foremost | $486 |
| State Auto | $490 |
State Farm and GEICO are the cheapest car insurance companies in Texas, with average monthly premiums of $73 and $79, respectively.
But note that these are just broad averages, and your insurance costs may be higher or lower based on your driving history and other factors.
Compare quotes side by side and lock in cheaper rates.
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The best auto insurance companies in Texas for full coverage will differ depending on your driving record, age, ZIP code, and other factors. That said, these three car insurance companies are a good place to start if you’re shopping for a full-coverage policy.
Average full-coverage premium: $73 per month
Compare.com Rating: 4.90 out of 5
Gap insurance not available
Accident forgiveness not available
Limited coverage options compared to some competitors
State Farm is worth a look if you want budget-friendly coverage and personalized customer service. The insurer offers some of the most affordable auto insurance rates compared to competitors of its size.
Besides cheap average rates, State Farm offers many discounts that could help further reduce the cost of your policy. Plus, you can save even more if you enroll in its Drive Safe & Save program or Steer Clear (for drivers younger than 25).
Average full-coverage premium: $79 per month
Compare.com Rating: 4.65 out of 5
A++ (Superior) AM Best financial strength rating
Accident forgiveness available
Offers young driver discount
It’s common for teen drivers to pay higher car insurance rates because of their inexperience behind the wheel. But GEICO offers some of the cheapest average rates for teen drivers in Texas. It also offers a wide variety of discounts, and young drivers can also take advantage of good driver and good student discounts, which can result in even lower rates.
Average full-coverage premium: $103
Compare.com Rating: 4.93 out of 5
Pay-per-mile coverage available
Higher-than-average customer satisfaction ratings
AM Best financial strength rating of A+ (Superior)[5]
Senior drivers typically pay relatively low car insurance rates because they often drive fewer miles than others, which means less risk in the eyes of insurance companies. If you’re a senior driver in Texas, Allstate offers affordable coverage as well as Milewise, a pay-per-mile option that could be ideal if you only drive short distances.
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Full-coverage insurance in the state of Texas includes the following types of coverage:
Bodily injury liability insurance: This coverage can pay for the other driver and their passengers’ injuries when you cause an accident.
Property damage liability insurance: This coverage can pay for damage to another driver’s car or property if you damage it in an accident where you’re at fault.
Comprehensive insurance: This coverage pays for your car damage caused by non-collision incidents, such as severe weather, theft, or a fallen tree limb.
Collision insurance: This coverage protects your car after an accident with another car or object such as a pole, regardless of fault.
Aside from these coverages, you can also get uninsured motorist (UM/UIM) and personal injury protection (PIP) insurance.[8] Texas requires all auto insurers to automatically include them, but if you don’t want these coverages, you can decline them in writing.
A UM/UIM policy protects you if a driver with inadequate or no coverage hits your car, while the PIP can pay for your medical bills after an accident injury, no matter who’s at fault.
A full-coverage car insurance policy can be worth it for Texas drivers, but it depends on your situation. If you lease your vehicle or have a car loan, your lender or leasing company will require you to have a full-coverage policy because it protects their investment. Otherwise, full coverage is optional.
It generally makes sense to have full coverage if you drive a new car or if you can’t afford to repair or replace your car after an accident or theft. If you get into a serious car crash, your full-coverage policy will cover your car damage, as well as the other driver’s damages and injuries.
Texas requires only 30/60/25 in liability coverage, so a serious car accident could leave you on the hook for repair costs and medical bills. In some cases, liability-only insurance could make sense if your car is older, you’ve paid it off, or you know you can afford to pay for any damages out of pocket.
Here are the advantages and disadvantages of having full coverage.
Covers your vehicle’s damages
Gives you peace of mind
Provides greater financial protection
More expensive than liability-only insurance
Not as financially worthwhile for older cars
May not cover some vehicle damage
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The companies we mention above are a good place to start if you want cheap full-coverage car insurance. Beyond that, the following tips can help you reduce your rates and find a cheap full-coverage policy that meets your needs.
Research discounts. Car insurance discounts also vary across companies. Research insurers’ discount offerings and choose a company offering multiple discounts you might qualify for.
Choose a higher deductible. Asking your insurer for a higher deductible — the amount you pay before your insurance pays out — could also result in lower premiums. But make you can afford your deductible in case you need to file a claim.
Compare car insurance rates. There’s no standard car insurance rate across companies, so get multiple quotes and compare costs to find the best coverage.
Compare full-coverage quotes from Texas’ top companies
If you’re still wondering about full-coverage car insurance in Texas, here are some common questions and answers.
State Farm has the cheapest full-coverage car insurance in Texas, with average rates of just $73 per month, according to Compare.com data.
The average cost of full-coverage car insurance in Texas is $230 per month, according to our research. But remember that this is just an average, and, depending on your situation, you may be able to get cheaper car insurance rates.
No. Texas doesn’t require full-coverage car insurance. That said, you’ll likely need to buy a full-coverage car insurance policy, since lenders typically require you to if you lease or finance your car.
Texas requires all drivers to purchase at least $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability.
No. Texas isn’t a no-fault state; it’s a “tort” or at-fault state. This means the driver who’s at fault in an accident covers the other driver’s medical expenses or other costs, such as lost wages due to the crash.
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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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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