Wondering which used cars are the cheapest to insure in Texas? Well, we’ve created a list of the 45 most affordable used vehicles to insure in the lone star state.
This article will detail pricing on liability, full coverage, and Texas’ best car insurance companies. We even included tips to lower your insurance premiums! So keep reading, and you’ll be able to make an informed decision in no time!
Texas Cheapest Used Cars to Insure
Through independent research, we’ve ranked the most affordable used vehicles to insure in Texas.
1. Subaru Legacy
Subaru’s Legacy is a midsize, 4-door sedan loaded with safety features. It is the cheapest used car to insure in Texas. A full coverage policy costs $131 per month, and a liability-only policy costs $111 per month.
Full coverage insurance on the Subaru Legacy is 29% more affordable than Texas’s average full coverage policy.
Subaru’s Legacy saves you money on insurance premiums, and it’s on the IIHS 2021 Top Safety Pick+ list, making it an excellent choice for a used vehicle.
2. Mazda 3
Mazda’s 3 is an all-wheel-drive compact car. It is the second most affordable to insure in Texas, with a full coverage policy costing $135 per month.
If you are looking for a compact vehicle, the Mazda 3 is a great choice. It has a five-star safety rating from the National Highway Traffic Safety Administration. A full coverage policy is 27% more affordable than Texas’s average full coverage policy.
3. Subaru Outback
Subaru’s Outback is a 4-door wagon known for its reliability. It has the third most affordable insurance policy in Texas. A full coverage policy costs $165 per month, and a liability-only policy costs $125.
It’s another vehicle consistently featured for its durability and safety. Subaru’s Outback is a terrific find if you’re looking for a used car.
The 45 Cheapest Used Vehicles to Insure in Texas
When gathering data, we used vehicles awarded the Top Safety Pick+ ratings by the Insurance Institute for Highway Safety (IIHS). The Top Safety Pick+ rating is the highest award given by IIHS, an independent organization dedicated to educating consumers. These awards recognize the safest vehicles in a particular size category during a given calendar year.
We then gathered insurance quotes from online quoting portals with a basic driver profile: 35-year-old male, Texas resident, no tickets/accidents.
Focusing on Texas insurance rates allows us to gather more accurate data than nationally-averaged ones. National averages are largely inaccurate because they don’t consider the state-to-state variance in premiums. Our complete research methodology is detailed further down in this article.
The following chart ranks the 45 most affordable used vehicles to insure in Texas.
| Year | Make | Model | Full Coverage | Liability Only |
|---|---|---|---|---|
| 2021 | Subaru | Legacy | $131.00 | $111.00 |
| 2021 | Mazda | 3 | $135.00 | $115.00 |
| 2021 | Subaru | Outback | $165.00 | $125.00 |
| 2021 | Subaru | Crosstrek | $172.00 | $129.00 |
| 2021 | Ford | Bronco | $174.00 | $107.00 |
| 2021 | Volvo | V60 | $175.00 | $120.00 |
| 2021 | Ford | Explorer | $175.00 | $130.00 |
| 2021 | Audi | Q5 | $179.00 | $123.00 |
| 2021 | Nissan | Murano | $179.00 | $127.00 |
| 2021 | Nissan | Rogue | $179.00 | $129.00 |
| 2021 | Kia | K5 | $179.00 | $129.00 |
| 2021 | Subaru | Forester | $179.00 | $131.00 |
| 2021 | Mazda | CX-5 | $179.00 | $131.00 |
| 2021 | Toyota | Camry | $179.00 | $131.00 |
| 2021 | Subaru | Ascent | $179.00 | $133.00 |
| 2021 | Hyundai | Santa Fe | $179.00 | $135.00 |
| 2021 | Honda | Accord | $179.00 | $135.00 |
| 2021 | Mazda | 6 | $179.00 | $135.00 |
| 2021 | Honda | Insight | $179.00 | $135.00 |
| 2021 | Acura | TLX | $179.00 | $135.00 |
| 2021 | Kia | Stinger | $179.00 | $135.00 |
| 2021 | Mitsubishi | Outlander | $179.00 | $135.00 |
| 2021 | Audi | A6 | $179.00 | $135.00 |
| 2021 | Honda | Civic | $179.00 | $135.00 |
| 2021 | Volkswagen | ID | $179.00 | $135.00 |
| 2021 | Honda | Odyssey | $179.00 | $135.00 |
| 2021 | Toyota | Sienna | $180.00 | $122.00 |
| 2021 | Lexus | ES 350 | $181.00 | $121.00 |
| 2021 | Nissan | Maxima | $181.00 | $121.00 |
| 2021 | Chevrolet | Trailblazer | $181.00 | $143.00 |
| 2021 | Volvo | S60 | $182.00 | $119.00 |
| 2021 | Chrysler | Pacifica | $182.00 | $119.00 |
| 2021 | Toyota | Highlander | $182.00 | $131.00 |
| 2021 | Acura | MDX | $183.00 | $126.00 |
| 2021 | Volvo | S60 Recharge | $184.00 | $118.00 |
| 2021 | Volvo | S90 | $184.00 | $118.00 |
| 2021 | Mazda | CX-9 | $186.00 | $128.00 |
| 2021 | Acura | RDX | $192.00 | $136.00 |
| 2021 | Nissan | Altima | $194.00 | $137.00 |
| 2021 | Genesis | G70 | $198.00 | $132.00 |
| 2021 | Lexus | IS | $214.00 | $130.00 |
| 2021 | Audi | A7 | $222.00 | $126.00 |
| 2021 | Mercedes Benz | C-Class | $224.00 | $125.00 |
| 2021 | Cadillac | XT6 | $225.00 | $132.00 |
| 2021 | Tesla | Model 3 | $277.00 | $134.00 |
Full Coverage vs. Liability Insurance Costs
Full coverage and liability insurance coverages vary significantly in cost. Below we’ve listed the Texas average pricing for insurance on used vehicles.
- Full coverage: $184 per month
- Liability-only: $129.20 each month
Our article, Cheap Liability Insurance in Texas, goes into further detail about the rating factors for liability insurance and other tips and tricks!
The Best Texas Car Insurance Companies
The top three best car insurance companies in Texas are
- State Farm
- Travelers Insurance
- AllState
The below chart is taken from data supplied by The Texas Department of Insurance which created a complaint index for all insurance companies in the state.
The lower the complaint index, the fewer complaints filed against that company relative to Texas’s total number of policies. There’s a direct correlation between complaints and customer satisfaction.
| Complaint Index | Company name | Total number of confirmed complaints | Total policies |
|---|---|---|---|
| 0 | STATE FARM | 0 | 1,210,829 |
| 0 | TRAVELERS PERSONAL INSURANCE COMPANY | 0 | 223,874 |
| 0.23 | ALLSTATE INDEMNITY COMPANY | 1 | 103,357 |
| 0.35 | TEXAS FARM BUREAU UNDERWRITERS | 2 | 132,604 |
| 0.38 | FOREMOST COUNTY MUTUAL INSURANCE COMPANY | 3 | 183,789 |
| 0.41 | STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY | 57 | 3,240,504 |
| 0.42 | SOUTHERN COUNTY MUTUAL INSURANCE COMPANY | 2 | 110,582 |
| 0.46 | FARMERS TEXAS COUNTY MUTUAL INSURANCE COMPANY | 12 | 610,354 |
| 0.46 | GERMANIA SELECT INSURANCE COMPANY | 2 | 100,663 |
| 0.74 | UNITED SERVICES AUTOMOBILE ASSOCIATION | 8 | 253,054 |
Tips to Lower Insurance Premiums in Texas
Insurance rates in Texas can be expensive, so here are a few tips to help lower your insurance premiums:
- Consult the Texas Department of Insurance guide
- Shop for car insurance every two years
- Maintain a clean driving record
- Choose vehicles with anti-theft and safety features
- Have multiple cars on the same policy
- Complete a defensive driving course
Research Methodology
We used vehicles listed in the IIHS 2021 Top Safety Pick+. The IIHS is an independent, nonprofit organization dedicated to helping consumers understand which vehicles have the most reliable safety features.
We then used insurance quote portals and entered a basic driver profile. We also assumed a $1,000 deductible.
- 35-year-old male driver
- Texas residence
- Homeowner
- Continuously insured with current carrier for 5+ years
- No accidents/tickets/violations
- No bundling of other insurance products
- Bachelor’s Degree
To generate the liability quotes, we removed the options for collision, comprehensive, roadside assistance, and rental reimbursement.
Here’s a full breakdown of our coverage choices for the quotes compiled:
| Coverage | Insurance Amount |
|---|---|
| Bodily Injury Liability | $100,00/$300,00 |
| Property Damage Liability | $100,000 |
| Uninsured Motorist Bodily | $100,00/$300,000 |
| Uninsured Motorist Property | Not covered |
| Personal Injury Protection (PIP) | $10,000 |
| Collision (Deductible) | $1,000 |
| Comprehensive(Deductible) | $1,000 |
| Roadside Assistance | $75 |
| Rental Reimbursement | $40/$1,200 |
Frequently Asked Questions
If I drive into Mexico, am I covered by my Texas insurance policy?
Unless specified, Texas insurance policies do not cover you if you are in Mexico. You should consider purchasing a liability policy from a Mexican company.
What if insurance companies will not sell me a policy?
As a last resort, you can get a policy through the Texas Automobile Insurance Plan Association (TAIPA). Policy options are limited and will cost more than other companies.
What is the cheapest SUV to insure?
The least expensive SUV to insure is Subaru’s Outback, which is in the top three cheapest used cars to insure in Texas.
Are older cars cheaper to insure?
Since older cars tend to have lower values, they are cheaper to replace and have lower insurance premiums.
How much liability insurance is required in Texas?
In Texas, your insurance policy must cover up to $25,000 in damages to other vehicles. For the related medical expenses, your policy must cover at least $30,000 per person and up to $60,000 for each collision.
References:
(2022). Automobile Insurance Guide. Texas Department of Insurance. Retrieved November 8, 2022, from https://www.tdi.texas.gov/pubs/consumer/cb020.html
(2020). Complaint Indexes and Policy Counts for Insurance Companies. Texas Open Data Portal. Retrieved November 8, 2022, from https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w/data
(2021). Shopping for Auto Insurance: What to Know Before You Buy. Texas Department of Insurance. Retrieved November 8, 2022, from https://www.tdi.texas.gov/tips/car-insurance.html
(2022). NHTSA Ratings. National Highway Traffic Safety Administration. Retrieved November 8, 2022, from https://www.nhtsa.gov/ratings
(2022). 2021 Top Safety Picks. IIHS. Retrieved November 9, 2022, from https://www.iihs.org/ratings/top-safety-picks/2021
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
