How to Get Cheap Car Insurance in Texas

The Lone Star state is synonymous with the American Wild West. The Alamo, Hell’s Acre, the Stockyards, the Austin TX capitol and a host of other uniquely “cowboy” treasures are packed in America’s second largest state. Drivers on one border could drive all day and still be in Texas when the sun goes down. Cheap Car Insurance helps Texans find the cheapest car insurance in their city without skimping on any coverage. You might be surprised at how cheap you can find auto insurance in your area by comparing quotes.

Texas average auto insurance premiums have been rising during the last 20 years as population grows. NAIC.org placed the state’s average auto insurance premiums compared to percentage of income above the national average, but you can still find affordable auto premiums.

Cheapest Car Insurance Providers in TX

The cheapest car insurance providers in Texas are USAA (military only), AAA, and Progressive for the a middle-aged, single person, who drives a used 4 door vehicle and has a clean driving record.

See the average costs below for state minimum liability and a full coverage policy by insurance provider for a used vehicle below:

Insurance Provider	State Minimum	Full Coverage
USAA	$568	$1,910
AAA	$763	$2,284
Progressive	$782	$2,472
GEICO	$908	$2,424
State Farm	$942	$2,610

Cheapest Car Insurance for New Vehicles

Finding the cheapest car insurance for your new vehicle is important as newer vehicles often cost more to insure but also reap the benefits of newer security features that help lower costs overall. The average cost to insure a new vehicle with a full coverage policy is $2,656.

USAA and GEICO offer the cheapest rates between $2,280 and $2,588 a year.

Insurance Provider:	State Minimum:	Full Coverage:
USAA:	$530	$2,280
GEICO:	$838	$2,588
AAA:	$763	$2,672
Progressive:	$720	$2,766
State Farm:	$838	$2,974

Average Car Insurance Costs in Texas by County

The average cost of car insurance in Texas is $2,056 per year for full coverage. If you need state minimum coverage you can expect to pay around $582 per year or around $49 per month. The amount you pay will depend on a few factors such as your age, the city you live in, previous driving record and other applicable factors. Here is the average cost for car insurance based on TX counties below to give you an idea on prices for coverage by vehicle type:

Auto Insurance Costs by County:	Sedan:	SUV:	Coupe:	Truck:	Hybrid:
Anderson	$1,283	$1,090	$1,212	$1,291	$1,363
Andrews	$1,069	$915	$1,015	$1,072	$1,130
Angelina	$1,308	$1,113	$1,245	$1,306	$1,379
Aransas	$1,099	$945	$1,046	$1,099	$1,154
Archer	$1,154	$984	$1,096	$1,159	$1,223
Armstrong	$1,124	$956	$1,059	$1,138	$1,201
Atascosa	$1,129	$966	$1,069	$1,138	$1,199
Austin	$1,185	$1,012	$1,123	$1,195	$1,260
Bailey	$1,124	$956	$1,059	$1,138	$1,201
Bandera	$1,202	$1,026	$1,133	$1,216	$1,281
Bastrop	$1,291	$1,102	$1,225	$1,296	$1,366
Baylor	$1,134	$963	$1,065	$1,149	$1,214
Bee	$1,108	$948	$1,047	$1,118	$1,177
Bell	$1,158	$990	$1,104	$1,159	$1,222
Bexar	$1,331	$1,148	$1,274	$1,320	$1,385
Blanco	$1,340	$1,139	$1,267	$1,353	$1,429
Borden	$1,129	$962	$1,063	$1,144	$1,207
Bosque	$1,177	$1,001	$1,113	$1,184	$1,250
Bowie	$1,308	$1,113	$1,242	$1,307	$1,379
Brazoria	$1,159	$997	$1,105	$1,160	$1,219
Brazos	$1,149	$990	$1,100	$1,149	$1,207
Brewster	$1,058	$901	$996	$1,076	$1,136
Briscoe	$1,124	$956	$1,059	$1,138	$1,201
Brooks	$1,210	$1,034	$1,135	$1,223	$1,287
Brown	$1,177	$1,001	$1,114	$1,184	$1,250
Burleson	$1,248	$1,062	$1,183	$1,252	$1,321
Burnet	$1,332	$1,132	$1,260	$1,344	$1,420
Caldwell	$1,291	$1,102	$1,225	$1,296	$1,366
Calhoun	$1,148	$985	$1,092	$1,149	$1,209
Callahan	$1,124	$956	$1,059	$1,138	$1,201
Cameron	$1,266	$1,089	$1,201	$1,266	$1,329
Camp	$1,305	$1,108	$1,231	$1,316	$1,391
Carson	$1,136	$967	$1,071	$1,149	$1,212
Cass	$1,286	$1,093	$1,213	$1,295	$1,367
Castro	$1,084	$921	$1,020	$1,099	$1,161
Chambers	$1,365	$1,169	$1,299	$1,368	$1,441
Cherokee	$1,278	$1,085	$1,210	$1,282	$1,355
Childress	$1,124	$956	$1,059	$1,138	$1,201
Clay	$1,165	$989	$1,104	$1,170	$1,237
Cochran	$1,113	$948	$1,051	$1,125	$1,188
Coke	$1,124	$956	$1,059	$1,138	$1,201
Coleman	$1,113	$946	$1,047	$1,129	$1,192
Collin	$1,346	$1,163	$1,295	$1,334	$1,400
Collingsworth	$1,124	$956	$1,059	$1,138	$1,201
Colorado	$1,159	$989	$1,095	$1,171	$1,234
Comal	$1,241	$1,066	$1,183	$1,244	$1,309
Comanche	$1,160	$986	$1,096	$1,170	$1,236
Concho	$1,124	$956	$1,059	$1,138	$1,201
Cooke	$1,174	$1,000	$1,114	$1,178	$1,243
Coryell	$1,177	$1,001	$1,113	$1,184	$1,250
Cottle	$1,178	$1,001	$1,108	$1,197	$1,264
Crane	$1,085	$927	$1,024	$1,097	$1,156
Crockett	$1,087	$924	$1,020	$1,109	$1,172
Crosby	$1,143	$972	$1,077	$1,157	$1,222
Culberson	$1,084	$922	$1,020	$1,102	$1,164
Dallam	$1,115	$948	$1,050	$1,129	$1,193
Dallas	$1,339	$1,156	$1,286	$1,333	$1,400
Dawson	$1,124	$956	$1,059	$1,136	$1,199
Deaf Smith	$1,066	$907	$1,006	$1,078	$1,138
Delta	$1,231	$1,051	$1,169	$1,235	$1,303
Denton	$1,242	$1,068	$1,191	$1,234	$1,298
DeWitt	$1,144	$976	$1,080	$1,154	$1,217
Dickens	$1,124	$956	$1,059	$1,138	$1,201
Dimmit	$1,148	$982	$1,083	$1,159	$1,220
Donley	$1,124	$956	$1,059	$1,138	$1,201
Duval	$1,187	$1,015	$1,120	$1,196	$1,260
Eastland	$1,120	$950	$1,057	$1,128	$1,193
Ector	$1,283	$1,102	$1,228	$1,280	$1,347
Edwards	$1,255	$1,070	$1,185	$1,271	$1,340
El Paso	$1,275	$1,095	$1,209	$1,286	$1,352
Ellis	$1,248	$1,072	$1,195	$1,241	$1,305
Erath	$1,142	$973	$1,080	$1,149	$1,212
Falls	$1,169	$993	$1,106	$1,178	$1,244
Fannin	$1,197	$1,020	$1,136	$1,200	$1,266
Fayette	$1,157	$989	$1,094	$1,168	$1,231
Fisher	$1,124	$956	$1,059	$1,138	$1,201
Floyd	$1,124	$956	$1,059	$1,138	$1,201
Foard	$1,137	$967	$1,070	$1,152	$1,216
Fort Bend	$1,282	$1,106	$1,232	$1,274	$1,339
Franklin	$1,209	$1,031	$1,147	$1,214	$1,281
Freestone	$1,210	$1,028	$1,141	$1,220	$1,289
Frio	$1,165	$997	$1,100	$1,179	$1,241
Gaines	$1,100	$937	$1,039	$1,111	$1,172
Galveston	$1,249	$1,083	$1,199	$1,245	$1,304
Garza	$1,124	$956	$1,059	$1,138	$1,201
Gillespie	$1,197	$1,024	$1,130	$1,213	$1,277
Glasscock	$1,112	$947	$1,045	$1,131	$1,194
Goliad	$1,179	$1,005	$1,115	$1,190	$1,256
Gonzales	$1,251	$1,066	$1,183	$1,261	$1,330
Gray	$1,191	$1,009	$1,119	$1,209	$1,278
Grayson	$1,178	$1,004	$1,124	$1,173	$1,238
Gregg	$1,329	$1,138	$1,269	$1,319	$1,389
Grimes	$1,309	$1,113	$1,238	$1,315	$1,389
Guadalupe	$1,235	$1,063	$1,181	$1,237	$1,300
Hale	$1,124	$956	$1,059	$1,138	$1,201
Hall	$1,124	$956	$1,059	$1,138	$1,201
Hamilton	$1,177	$1,001	$1,114	$1,184	$1,250
Hansford	$1,097	$933	$1,030	$1,114	$1,176
Hardeman	$1,137	$968	$1,069	$1,154	$1,217
Hardin	$1,349	$1,156	$1,288	$1,347	$1,418
Harris	$1,370	$1,183	$1,315	$1,364	$1,432
Harrison	$1,314	$1,118	$1,248	$1,310	$1,383
Hartley	$1,117	$951	$1,053	$1,130	$1,193
Haskell	$1,124	$956	$1,058	$1,138	$1,201
Hays	$1,301	$1,119	$1,243	$1,302	$1,369
Hemphill	$1,097	$932	$1,031	$1,114	$1,177
Henderson	$1,280	$1,091	$1,213	$1,285	$1,355
Hidalgo	$1,317	$1,132	$1,247	$1,315	$1,380
Hill	$1,169	$993	$1,106	$1,176	$1,243
Hockley	$1,076	$919	$1,017	$1,087	$1,146
Hood	$1,210	$1,039	$1,156	$1,208	$1,271
Hopkins	$1,155	$987	$1,096	$1,159	$1,222
Houston	$1,309	$1,113	$1,238	$1,315	$1,389
Howard	$1,125	$965	$1,075	$1,124	$1,184
Hudspeth	$1,074	$912	$1,010	$1,091	$1,153
Hunt	$1,213	$1,036	$1,154	$1,215	$1,281
Hutchinson	$1,180	$1,000	$1,110	$1,198	$1,267
Irion	$1,074	$912	$1,010	$1,091	$1,153
Jack	$1,120	$953	$1,057	$1,129	$1,193
Jackson	$1,110	$948	$1,050	$1,117	$1,177
Jasper	$1,252	$1,065	$1,184	$1,255	$1,325
Jeff Davis	$1,070	$909	$1,005	$1,090	$1,151
Jefferson	$1,426	$1,231	$1,369	$1,418	$1,488
Jim Hogg	$1,271	$1,086	$1,191	$1,286	$1,353
Jim Wells	$1,141	$982	$1,087	$1,137	$1,194
Johnson	$1,222	$1,048	$1,170	$1,212	$1,276
Jones	$1,124	$954	$1,057	$1,138	$1,201
Karnes	$1,127	$963	$1,066	$1,136	$1,197
Kaufman	$1,287	$1,101	$1,229	$1,283	$1,352
Kendall	$1,236	$1,057	$1,169	$1,251	$1,318
Kenedy	$1,275	$1,089	$1,199	$1,283	$1,350
Kent	$1,124	$956	$1,059	$1,138	$1,201
Kerr	$1,247	$1,062	$1,176	$1,261	$1,331
Kimble	$1,254	$1,070	$1,185	$1,271	$1,338
King	$1,124	$956	$1,059	$1,138	$1,201
Kinney	$1,179	$1,011	$1,113	$1,189	$1,251
Kleberg	$1,141	$982	$1,087	$1,137	$1,194
Knox	$1,137	$965	$1,068	$1,153	$1,218
La Salle	$1,144	$980	$1,079	$1,156	$1,216
Lamar	$1,231	$1,051	$1,169	$1,235	$1,303
Lamb	$1,124	$956	$1,059	$1,138	$1,201
Lampasas	$1,197	$1,023	$1,135	$1,203	$1,267
Lavaca	$1,157	$986	$1,092	$1,171	$1,234
Lee	$1,267	$1,080	$1,199	$1,275	$1,345
Leon	$1,304	$1,107	$1,229	$1,313	$1,387
Liberty	$1,375	$1,176	$1,307	$1,379	$1,453
Limestone	$1,163	$988	$1,100	$1,171	$1,237
Lipscomb	$1,094	$930	$1,029	$1,109	$1,172
Live Oak	$1,159	$990	$1,096	$1,171	$1,234
Llano	$1,167	$997	$1,097	$1,184	$1,247
Loving	$1,070	$910	$1,008	$1,086	$1,147
Lubbock	$1,240	$1,064	$1,183	$1,236	$1,301
Lynn	$1,093	$931	$1,029	$1,107	$1,169
Madison	$1,320	$1,121	$1,243	$1,330	$1,405
Marion	$1,331	$1,129	$1,256	$1,341	$1,417
Martin	$1,124	$956	$1,059	$1,138	$1,201
Mason	$1,202	$1,026	$1,133	$1,216	$1,281
Matagorda	$1,183	$1,015	$1,125	$1,185	$1,247
Maverick	$1,304	$1,120	$1,232	$1,307	$1,372
Mcculloch	$1,253	$1,066	$1,180	$1,271	$1,340
Mclennan	$1,221	$1,046	$1,167	$1,217	$1,282
Mcmullen	$1,189	$1,015	$1,122	$1,202	$1,266
Medina	$1,232	$1,057	$1,170	$1,239	$1,304
Menard	$1,255	$1,070	$1,185	$1,271	$1,340
Midland	$1,155	$994	$1,106	$1,155	$1,215
Milam	$1,272	$1,083	$1,204	$1,280	$1,350
Mills	$1,177	$1,001	$1,114	$1,184	$1,250
Mitchell	$1,116	$949	$1,051	$1,130	$1,193
Montague	$1,156	$981	$1,094	$1,161	$1,228
Montgomery	$1,326	$1,141	$1,271	$1,324	$1,392
Moore	$1,142	$967	$1,073	$1,159	$1,226
Morris	$1,357	$1,156	$1,288	$1,359	$1,434
Motley	$1,124	$956	$1,059	$1,138	$1,201
Nacogdoches	$1,344	$1,145	$1,281	$1,342	$1,417
Navarro	$1,177	$1,001	$1,114	$1,184	$1,250
Newton	$1,290	$1,094	$1,217	$1,296	$1,369
Nolan	$1,110	$943	$1,046	$1,124	$1,187
Nueces	$1,233	$1,065	$1,180	$1,223	$1,282
Ochiltree	$1,045	$891	$985	$1,057	$1,116
Oldham	$1,124	$956	$1,059	$1,138	$1,201
Orange	$1,404	$1,209	$1,343	$1,401	$1,472
Palo Pinto	$1,160	$985	$1,097	$1,166	$1,232
Panola	$1,288	$1,092	$1,216	$1,294	$1,367
Parker	$1,205	$1,030	$1,150	$1,203	$1,268
Parmer	$1,084	$923	$1,022	$1,098	$1,159
Pecos	$1,070	$909	$1,006	$1,084	$1,146
Polk	$1,281	$1,090	$1,211	$1,287	$1,359
Potter	$1,314	$1,127	$1,254	$1,317	$1,386
Presidio	$1,054	$896	$989	$1,073	$1,134
Rains	$1,203	$1,027	$1,141	$1,207	$1,273
Randall	$1,255	$1,075	$1,196	$1,258	$1,325
Reagan	$1,061	$902	$995	$1,081	$1,142
Real	$1,202	$1,026	$1,133	$1,216	$1,281
Red River	$1,293	$1,099	$1,220	$1,303	$1,377
Reeves	$1,048	$891	$988	$1,063	$1,123
Refugio	$1,108	$948	$1,050	$1,116	$1,176
Roberts	$1,137	$967	$1,069	$1,153	$1,217
Robertson	$1,280	$1,088	$1,209	$1,287	$1,359
Rockwall	$1,362	$1,173	$1,306	$1,357	$1,426
Runnels	$1,124	$956	$1,059	$1,138	$1,201
Rusk	$1,360	$1,158	$1,292	$1,357	$1,433
Sabine	$1,292	$1,097	$1,218	$1,301	$1,374
San Augustine	$1,307	$1,107	$1,228	$1,320	$1,395
San Jacinto	$1,269	$1,079	$1,199	$1,275	$1,346
San Patricio	$1,096	$944	$1,046	$1,091	$1,146
San Saba	$1,202	$1,026	$1,133	$1,216	$1,281
Schleicher	$1,066	$906	$997	$1,088	$1,149
Scurry	$1,112	$948	$1,048	$1,128	$1,190
Shackelford	$1,124	$956	$1,059	$1,138	$1,201
Shelby	$1,297	$1,100	$1,224	$1,304	$1,378
Sherman	$1,135	$966	$1,069	$1,150	$1,214
Smith	$1,325	$1,134	$1,269	$1,315	$1,386
Somervell	$1,177	$1,001	$1,114	$1,184	$1,250
Starr	$1,275	$1,089	$1,199	$1,283	$1,350
Stephens	$1,175	$998	$1,109	$1,184	$1,250
Sterling	$1,172	$995	$1,099	$1,189	$1,256
Stonewall	$1,124	$956	$1,059	$1,138	$1,201
Sutton	$1,090	$927	$1,023	$1,110	$1,172
Swisher	$1,126	$959	$1,061	$1,140	$1,204
Tarrant	$1,269	$1,098	$1,222	$1,264	$1,327
Taylor	$1,120	$956	$1,068	$1,119	$1,181
Terrell	$1,074	$912	$1,010	$1,091	$1,153
Terry	$1,120	$956	$1,059	$1,131	$1,193
Throckmorton	$1,155	$981	$1,081	$1,177	$1,242
Titus	$1,293	$1,101	$1,225	$1,297	$1,369
Tom Green	$1,079	$926	$1,028	$1,081	$1,137
Travis	$1,280	$1,104	$1,229	$1,278	$1,342
Trinity	$1,308	$1,111	$1,236	$1,314	$1,388
Tyler	$1,280	$1,088	$1,207	$1,289	$1,361
Upshur	$1,349	$1,150	$1,281	$1,345	$1,419
Upton	$1,074	$912	$1,010	$1,091	$1,153
Uvalde	$1,187	$1,014	$1,119	$1,200	$1,264
Val Verde	$1,234	$1,060	$1,167	$1,238	$1,300
Van Zandt	$1,339	$1,139	$1,269	$1,344	$1,419
Victoria	$1,160	$995	$1,104	$1,161	$1,221
Walker	$1,285	$1,094	$1,217	$1,289	$1,361
Waller	$1,341	$1,149	$1,274	$1,346	$1,417
Ward	$1,065	$909	$1,010	$1,070	$1,128
Washington	$1,167	$998	$1,105	$1,177	$1,240
Webb	$1,423	$1,219	$1,334	$1,444	$1,518
Wharton	$1,160	$990	$1,099	$1,168	$1,232
Wheeler	$1,124	$956	$1,059	$1,138	$1,201
Wichita	$1,111	$954	$1,059	$1,113	$1,170
Wilbarger	$1,124	$956	$1,059	$1,138	$1,201
Willacy	$1,173	$1,005	$1,107	$1,178	$1,238
Williamson	$1,200	$1,032	$1,148	$1,195	$1,256
Wilson	$1,232	$1,056	$1,171	$1,236	$1,301
Winkler	$1,046	$892	$991	$1,052	$1,110
Wise	$1,184	$1,009	$1,126	$1,187	$1,253
Wood	$1,192	$1,018	$1,130	$1,197	$1,262
Yoakum	$1,096	$933	$1,036	$1,106	$1,168
Young	$1,108	$943	$1,045	$1,118	$1,181
Zapata	$1,216	$1,037	$1,142	$1,226	$1,291
Zavala	$1,171	$1,001	$1,104	$1,184	$1,247

Does Age Affect Your Insurance Rates?

Age is a significant factor that affects auto insurance rates in TX. Generally, younger and older drivers tend to pay higher premiums compared to drivers in their middle age. Here’s how age can influence car insurance costs:

Young drivers (under 25): Statistically, young and inexperienced drivers are more likely to be involved in accidents. They are also prone to riskier driving behaviors, such as speeding or distracted driving. As a result, insurance companies consider them higher risk, and their premiums are typically more expensive.
Middle-aged drivers (25-65): This age group is generally considered to be more experienced and responsible behind the wheel. They are statistically involved in fewer accidents and tend to have lower insurance premiums compared to younger and older drivers.
Senior drivers (65 and older): As drivers get older, their risk profile may change due to factors such as declining vision, slower reflexes, and potential health issues. Insurance companies may increase premiums for older drivers to reflect these factors and the increased likelihood of accidents.

You can see in the chart below that the average premiums are highest for teen drivers and lessens as you age with a big decrease in price at age 29.

Driver’s Age:	State Minimum Coverage	Full Coverage
17	$2,686	$7,193
18	$2,346	$6,376
20	$1,664	$4,752
22	$1,248	$3,659
24	$1,068	$3,172
29	$865	$2,654
34	$833	$2,530
39	$829	$2,496
44	$825	$2,460
49	$813	$2,425
54	$791	$2,329
64	$807	$2,270
74	$982	$2,622
76	$1,049	$2,761

How Much Car Insurance Do I Need in Texas?

All vehicles in Texas must be covered by liability insurance, according to the state’s Insurance Division. Comprehensive and collision are not required by law, but may be required by your lender. As you’re looking for cheap auto insurance in Texas, make sure it offers sufficient coverage to keep you in line with the law.
Liability minimums in Texas:
- $30,000 includes injury to an individual from an accident.
- $60,000 includes multiple injuries in an accident.
- $25,000 includes property damage in an accident.

Failure to maintain insurance results in:

First Offense: a fine of $175 to $350
Second or subsequent offense(s): a fine of $350 to $1,000, suspension of driving privileges and possible impounding of the vehicle.

New Driver License Requirements

By law, every driver operating a vehicle in the state of Texas must hold a valid state driver’s license. The state’s Graduated Driver License (GDL) is a licensing program to give minors valuable driving training prior to allowing them to drive unsupervised. The GDL has three stages:
1. The Learner License
2. Minor Restricted Driver License
3. Provisional License
The Learner License. This license permits an applicant who is 15 years old (and under 18) to drive only with a licensed adult who is 21 or older and who has had at least 1 year of driving experience. To apply for the license, the applicant must:
- Complete a driver education course
- Submit a verification of enrollment and attendance for school.
Minor Restricted Driver License. This license, also known as a hardship license, is available for minors who establish the necessity to drive. With this license, the applicant may become fully licensed at age 15. For an explanation of the requirements and restrictions, refer to the Texas Driver’s Handbook.
Provisional License. This is a regular driver license with restrictions for drivers under the age of 18. At this point, the applicant must have held the Learner License for at least 6 months and fulfilled all the requirements associated with it. The restrictions include:
- The applicant is permitted only one unrelated passenger under 21.
- The applicant is restricted from driving between midnight and 5am unless driving to/from employment, school activity or medical emergency.
Once these requirements are fulfilled and the driver turns 18, the Provisional License will become an unrestricted Driver License.
Vision Screening. 140 degree peripheral vision and at least a 20/40 visual acuity with or without corrective lenses is required to obtain an unrestricted license.
Knowledge Test. The knowledge test evaluates the driver’s understanding of basic traffic concepts included in the Texas Driver’s Handbook. A passing score of 70 percent is needed.
Road Test. The test consists of four skill areas:
1. Vehicle control
2. Observation
3. Positioning
4. Signaling
The driver’s handbook details each skill area with specific required actions that the test administrator will include in the test.
Fees:
- Learner License (under 18): $16
- Driver License (under 18): $16
- Driver License (Ages 18-84): $25
- Driver License (Ages 85 and up)D: $9

DUI Laws & Violation Costs

BAC limit: .08 The Texas Department of Transportation defines the state’s DUI laws (§ 49.04).
First Offense:
- Jail: 3 to 180 days
- License revocation: maximum 1 year
- Fine: maximum $2,000
- License retention fee: $1,000 to $2,000 per year for 3 years
Second Offense:
- Jail: 1 month to 1 year
- License revocation: maximum 2 years
- Fine: maximum $4,000
- Ignition Interlock Device must be installed
- License retention fee: $1,000, $1,500 or $2,000 per year for 3 years
Third Offense:
- Jail: 2 to 10 years
- License revocation: maximum 2 years
- Fine: $10,000
- Ignition Interlock Device must be installed
- License retention fee: $1,000, $1,500 or $2,000 per year for 3 years

How Much Does Insurance Cost with a DUI Violation?

If you have a DUI violation on your record you will see that your average cost for car insurance raises significantly and will cost around $4,867 a year for full coverage and $1,781 for state minimum coverage. Progressive, USAA and State Farm offer the cheapest rates for drivers with a DUI on their driving record as seen below:

Insurance Provider	State Minimum:	Full Coverage:
Progressive	$1,299	$4,613
USAA	$1,404	$4,264
State Farm	$1,822	$4,805
AAA	$1,985	$5,589
GEICO	$2,018	$5,066

Driver Resources

State Department of Insurance

Texas Department Insurance
333 Guadalupe St.
Austin, TX 78701
(512) 463-6169
1-800-578-4677
www.tdi.texas.gov
Get Directions

Department of Transportation

Texas Department of Transportation
125 E. 11th St.
Austin, Texas 78701
(800) 558-9368
(512) 463-8588
www.txdot.gov
Get Directions

Department of Motor Vehicles

Texas Department Motor Vehicles
4000 Jackson Ave.
Austin, TX 78731
1-888-368-4689
www.txdmv.gov
Get Directions
The Texas Department of Public Safety handles all driver’s license issues.

See rates for these popular cities
Largest Cities:
Dallas
Houston

Compare Car Insurance Rates in Texas