Car Insurance with Bad Credit in Texas (2026)
Quick Answer
Bad credit in Texas increases car insurance by 61%, raising full coverage from $2,424/year to $3,903/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$202/mo
Poor Credit (1.61x)
$325/mo
Best Companies for Bad Credit in Texas
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $241/mo | $2,888/yr | Military families |
| Erie Insurance | $257/mo | $3,083/yr | Rate lock guarantee |
| GEICO | $267/mo | $3,200/yr | Clean driving record |
| Progressive | $286/mo | $3,435/yr | Telematics savings |
| State Farm | $296/mo | $3,552/yr | Good students |
| Travelers | $309/mo | $3,708/yr | Multiple discounts |
| Nationwide | $338/mo | $4,059/yr | Bundling home + auto |
| Farmers | $351/mo | $4,215/yr | Signal telematics |
| Allstate | $364/mo | $4,371/yr | Accident forgiveness |
| Liberty Mutual | $384/mo | $4,606/yr | New car replacement |
USAACheapest
Monthly
$241/mo
Annual
$2,888/yr
Best for: Military families
Erie Insurance
Monthly
$257/mo
Annual
$3,083/yr
Best for: Rate lock guarantee
GEICO
Monthly
$267/mo
Annual
$3,200/yr
Best for: Clean driving record
Progressive
Monthly
$286/mo
Annual
$3,435/yr
Best for: Telematics savings
State Farm
Monthly
$296/mo
Annual
$3,552/yr
Best for: Good students
Travelers
Monthly
$309/mo
Annual
$3,708/yr
Best for: Multiple discounts
Nationwide
Monthly
$338/mo
Annual
$4,059/yr
Best for: Bundling home + auto
Farmers
Monthly
$351/mo
Annual
$4,215/yr
Best for: Signal telematics
Allstate
Monthly
$364/mo
Annual
$4,371/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$384/mo
Annual
$4,606/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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