How Much Does Auto Insurance Cost for Homeowners in Texas?

When writing about shopping for car insurance, the word affordable should never appear anywhere to describe car insurance prices. It’s just a fact that cheap car insurance for homeowners can be extremely hard to find. But don’t let that discourage you, because we will tell you how you can still get car insurance that you can afford to pay for.

Deciding which insurers offer the most affordable insurance rates for homeowners will involve a little more work in order to find the lowest price.

Every car insurance company has a different process to set policy rates, so let’s rank the overall cheapest insurance companies in Texas. It’s a good idea to be aware that Texas insurance rates are calculated based on many things that may substantially change the cost of having a policy. Getting older, getting married, or getting a ticket for careless driving can trigger changes in premium that can now make some companies more affordable than others.

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Travelers may offer some of the cheapest car insurance rates in Texas at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the cut as some of the cheaper Texas auto insurance companies.

As shown in the table above, if you are currently insured with Texas Farm Bureau and switched to Travelers, you could see savings of upwards of $201. Texas drivers with Germania Mutual might save as much as $234 a year, and California Casualty policyholders might realize rate reductions of up to $372 a year.

To find cheap car insurance for homeowners in Texas for your vehicle, click here to start your free quote or visit any of the low-priced companies below.

Understand that those premium estimates are averages across all drivers and vehicles in Texas and do not factor in a rate decrease for homeowners. So the auto insurance company that fits your needs best may not even be included in the chart above. That emphasizes why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

The make and model of vehicle that needs insurance is one of the main factors when trying to find cheap car insurance for homeowners in Texas. Vehicles with more horsepower, poor passenger safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.

The lists below presents coverage premiums for the most affordable vehicles to insure.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in vehicle garaging location which can raise or lower premiums significantly.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in zip code location which can impact auto insurance rates greatly.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate information does not factor in specific location information which can impact premiums noticeably.

Does Allstate, Geico, Progressive, or State Farm have the cheapest car insurance?

When buying car insurance for people who own their homes in Texas, some of the largest companies to start with are Allstate, Geico, Progressive, and State Farm. The next table compares and contrasts some of the different options and features that are available for policyholders.