Car Insurance After an Accident in Texas: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Texas increases insurance by 43%, raising full coverage from $2,424/year to $3,466/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$202/mo
After At-Fault Accident (+43%)
$289/mo
Cheapest Companies After Accident in Texas
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $214/mo | $2,565/yr | Military families |
| Erie Insurance | $228/mo | $2,738/yr | Rate lock guarantee |
| GEICO | $237/mo | $2,842/yr | Clean driving record |
| Progressive | $254/mo | $3,050/yr | Telematics savings |
| State Farm | $263/mo | $3,154/yr | Good students |
| Travelers | $274/mo | $3,293/yr | Multiple discounts |
| Nationwide | $300/mo | $3,605/yr | Bundling home + auto |
| Farmers | $312/mo | $3,743/yr | Signal telematics |
| Allstate | $323/mo | $3,882/yr | Accident forgiveness |
| Liberty Mutual | $341/mo | $4,090/yr | New car replacement |
USAACheapest
Monthly
$214/mo
Annual
$2,565/yr
Best for: Military families
Erie Insurance
Monthly
$228/mo
Annual
$2,738/yr
Best for: Rate lock guarantee
GEICO
Monthly
$237/mo
Annual
$2,842/yr
Best for: Clean driving record
Progressive
Monthly
$254/mo
Annual
$3,050/yr
Best for: Telematics savings
State Farm
Monthly
$263/mo
Annual
$3,154/yr
Best for: Good students
Travelers
Monthly
$274/mo
Annual
$3,293/yr
Best for: Multiple discounts
Nationwide
Monthly
$300/mo
Annual
$3,605/yr
Best for: Bundling home + auto
Farmers
Monthly
$312/mo
Annual
$3,743/yr
Best for: Signal telematics
Allstate
Monthly
$323/mo
Annual
$3,882/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$341/mo
Annual
$4,090/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses