Cheapest Auto Insurance in Denton, Texas (2024)
State Farm offers the cheapest car insurance in Denton, with minimum-coverage policies as low as $36 per month.
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Updated November 21, 2024
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Table of contents
Located on the northern edge of the Dallas-Fort Worth metropolitan area, Denton is home to thousands of college students and a fast-growing population. Despite the growth, Denton isn’t too densely populated, which means less traffic congestion and some reasonable insurance rates.
Drivers in Denton pay an overall average of $178 per month for car insurance, which is comparable to the Texas state average of $181 per month. But comparing car insurance rates from multiple insurers could help you find cheaper-than-average rates.
Here’s what you need to know about finding the cheapest car insurance in Denton.
Quick Facts
On average, Denton drivers pay $117 per month for liability-only coverage and $239 per month for full-coverage insurance.
State Farm is the cheapest full-coverage car insurance company in Denton, with rates starting at $68 per month.
Car insurance for teen drivers in Denton costs an average of $328 per month, overall.
3 of the cheapest car insurance companies in Denton
Your ideal car insurance policy depends on your personal needs. Key features of your driver profile, such as your age, location, vehicle, and more, also affect how much you pay.
Below, you’ll find three of the most affordable car insurance companies in Denton. They can be a great place to start your search.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $69 | $37 | Cheap rates |
| GEICO | 9.0 | $75 | $40 | Teen drivers |
| Allstate | 8.9 | $98 | $53 | Drivers with DUIs |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $36/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $68/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has been in business for more than 100 years. Today, it sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance. State Farm car insurance policies offer multiple ways to save, from customizing coverage types to a robust list of discounts.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance
May not be the cheapest choice for drivers with violations
Best insurer for teen drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO sells homeowner, flood, life, business, and identity protection insurance, among other products.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Best insurer for drivers with DUIs: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Founded by Sears executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.
Pros
Well-established with superior ratings from AM Best
Pay-per-mile option available
Cons
Below-average customer satisfaction
Rates are merely average compared to other insurers
How to get the cheapest car insurance in Denton
Living in Denton means you already deal with auto insurance rates that are slightly higher than the national average. Fortunately, you can lower your rates by employing any of the following strategies:
Raise your deductible. A higher deductible typically leads to lower monthly car insurance premiums.
Take advantage of discounts. Reach out to your insurance agent to see if you qualify for any car insurance discounts. Bundling discounts reward drivers who purchase home insurance, renters insurance, or other insurance products from their auto insurer.
Purchase a safe vehicle. Drivers looking for cheap car insurance should choose cars with advanced safety features and strong safety records. These types of vehicles usually come with lower rates.
Shop around and compare. Different insurers offer different rates. When shopping for car insurance, collect online quotes from at least three car insurance companies, then compare them side by side to find the best policy for you.
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Cheapest liability-only car insurance in Denton: State Farm
If you cause an accident, liability insurance covers the other driver’s medical bills and car repairs. But liability coverage won’t cover your own medical expenses or repairs.
Denton drivers pay an average of $1,407 per year, or $117 per month, for liability coverage. The table below shows the cheapest liability-only car insurance options in Denton.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $36 |
| GEICO | $39 |
| Allstate | $52 |
| Mile Auto | $56 |
| USAA | $65 |
| Nationwide | $83 |
| Mercury | $86 |
| Progressive | $99 |
| Safeco | $100 |
| Dairyland | $106 |
| Chubb | $111 |
| Clearcover | $122 |
| National General | $122 |
| 21st Century | $128 |
| Direct Auto | $129 |
| The General | $129 |
| Bristol West | $134 |
| Commonwealth Casualty | $135 |
| Elephant | $143 |
| GAINSCO | $164 |
| Liberty Mutual | $196 |
| Foremost | $220 |
| State Auto | $246 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Denton: State Farm
Full-coverage car insurance policies include liability insurance, as well as collision coverage and comprehensive coverage. Collision insurance covers damage to your own vehicle after an accident, while comprehensive covers your car’s repairs if it’s damaged in a non-collision event, like a fire, severe weather, or an act of vandalism.
Full coverage is a good option for drivers of new, high-value, or financed cars, though this more robust policy type usually comes with a higher price tag.
In Denton, full-coverage insurance averages $239 per month. The table below highlights the cheapest car insurance companies in Denton for full-coverage policies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $68 |
| GEICO | $74 |
| Allstate | $95 |
| Mile Auto | $114 |
| USAA | $121 |
| Mercury | $147 |
| Nationwide | $151 |
| Progressive | $172 |
| Safeco | $178 |
| Clearcover | $182 |
| Chubb | $205 |
| Elephant | $234 |
| 21st Century | $237 |
| Direct Auto | $247 |
| National General | $252 |
| Dairyland | $275 |
| The General | $281 |
| Bristol West | $285 |
| Liberty Mutual | $323 |
| GAINSCO | $349 |
| Commonwealth Casualty | $372 |
| State Auto | $453 |
| Foremost | $468 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Denton, Texas
Drivers in and around Denton, Texas have found policies from GEICO, Allstate, Liberty Mutual, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
To drive legally in Texas, you must carry liability insurance that meets the basic minimum requirements. The table below shows how much car insurance is required in Texas:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
While the table above illustrates what you need in Texas, you may want to enhance your coverage with the following options:
Collision coverage
If you cause an accident, collision insurance covers the cost of repairs to your own vehicle.
Comprehensive coverage
If a non-collision event causes damage to your car, comprehensive insurance covers the cost of repairs.
Uninsured/underinsured motorist coverage
If you get in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages, your uninsured/underinsured motorist coverage will kick in.
Cheapest car insurance for drivers with an incident
You’ll pay more for car insurance if you have an incident on your record. Incidents can include speeding tickets, driving under the influence, at-fault accidents, and other moving violations. Car insurance companies see drivers with these types of incidents on their record as more likely to file a claim in the future, so they charge higher premiums to offset this risk.
Here, you’ll see how different incident types can affect your rates.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding is considered a misdemeanor in Texas, and it can come with a fine ranging from $130 to $300 depending on how significantly the driver exceeded the speed limit.[2] If you earn a speeding ticket on your record, you should probably expect your insurance rates to rise as well.
Denton drivers cited for speeding pay average monthly rates of $326 for full coverage and $160 for liability-only insurance. The table below shows the cheapest insurers after a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $36 | $46 |
| GEICO | $39 | $50 |
| Allstate | $52 | $67 |
| Mile Auto | $56 | $72 |
| USAA | $65 | $83 |
| Nationwide | $83 | $107 |
| Mercury | $86 | $118 |
| Progressive | $99 | $126 |
| Safeco | $100 | $130 |
| Dairyland | $106 | $136 |
| Chubb | $111 | $144 |
| Clearcover | $122 | $157 |
| National General | $122 | $157 |
| 21st Century | $128 | $170 |
| Direct Auto | $129 | $165 |
| The General | $129 | $168 |
| Bristol West | $134 | $173 |
| Commonwealth Casualty | $135 | $186 |
| Elephant | $143 | $197 |
| GAINSCO | $164 | $226 |
| Liberty Mutual | $196 | $270 |
| Foremost | $220 | $303 |
| State Auto | $246 | $339 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Having an at-fault accident on your driving record will often cause higher car insurance rates. How much your rate increases depends on the severity of the crash and the value of the insurance claim. Drivers with at-fault accidents on their driving records typically deal with higher rates for about three years.[3]
On average, an at-fault accident can boost Denton drivers’ monthly premiums to $169 for liability-only car insurance and $346 for full coverage. Here are the cheapest car insurance companies in Denton for drivers with an at-fault accident in their driving history.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $36 | $49 |
| GEICO | $39 | $53 |
| Allstate | $52 | $71 |
| Mile Auto | $56 | $78 |
| USAA | $65 | $88 |
| Nationwide | $83 | $114 |
| Mercury | $86 | $125 |
| Progressive | $99 | $136 |
| Safeco | $100 | $135 |
| Dairyland | $106 | $143 |
| Chubb | $111 | $152 |
| Clearcover | $122 | $178 |
| National General | $122 | $166 |
| 21st Century | $128 | $178 |
| Direct Auto | $129 | $179 |
| The General | $129 | $179 |
| Bristol West | $134 | $182 |
| Commonwealth Casualty | $135 | $180 |
| Elephant | $143 | $190 |
| GAINSCO | $164 | $214 |
| Liberty Mutual | $196 | $284 |
| Foremost | $220 | $319 |
| State Auto | $246 | $363 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is one of the most severe incidents you can have on your driving record. If you’re cited for DUI, it’ll often lead to a steep rise in car insurance rates, and some insurers may drop your coverage altogether. In Texas, you must also file a special form called an SR-22 for two years after the date of your DUI conviction.
Denton drivers with a DUI on their records can see their monthly rates increase substantially — $394 on average for full coverage and $193 for liability only. Here are the cheapest car insurance companies in Denton for people with a DUI in their driving history.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $36 | $59 |
| GEICO | $39 | $64 |
| Allstate | $52 | $86 |
| Mile Auto | $56 | $92 |
| USAA | $65 | $107 |
| Nationwide | $83 | $137 |
| Mercury | $86 | $131 |
| Progressive | $99 | $163 |
| Safeco | $100 | $153 |
| Dairyland | $106 | $175 |
| Chubb | $111 | $183 |
| Clearcover | $122 | $201 |
| National General | $122 | $201 |
| 21st Century | $128 | $211 |
| Direct Auto | $129 | $213 |
| The General | $129 | $213 |
| Bristol West | $134 | $221 |
| Commonwealth Casualty | $135 | $222 |
| Elephant | $143 | $236 |
| GAINSCO | $164 | $270 |
| Liberty Mutual | $196 | $323 |
| Foremost | $220 | $363 |
| State Auto | $246 | $405 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Age is another major factor that determines your car insurance rates. While drivers enjoy low rates during their middle-aged years, those rates increase again around age 70. This is because faculties commonly reduce at this age and because the likelihood of an accident leading to severe medical costs increases.
Senior drivers in Denton have an overall average monthly insurance rate of $141. Here are the cheapest car insurance companies in Denton for senior drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $52 | $27 |
| GEICO | $58 | $30 |
| Allstate | $74 | $41 |
| Mile Auto | $84 | $41 |
| USAA | $95 | $51 |
| Nationwide | $110 | $61 |
| Mercury | $113 | $66 |
| Progressive | $121 | $70 |
| Chubb | $146 | $79 |
| Safeco | $149 | $84 |
| Clearcover | $153 | $103 |
| 21st Century | $173 | $93 |
| Elephant | $187 | $114 |
| Direct Auto | $188 | $98 |
| National General | $188 | $91 |
| Dairyland | $215 | $83 |
| Bristol West | $223 | $105 |
| The General | $223 | $102 |
| Liberty Mutual | $265 | $161 |
| GAINSCO | $286 | $134 |
| Commonwealth Casualty | $290 | $105 |
| State Auto | $330 | $179 |
| Foremost | $366 | $172 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers pay higher average insurance rates than any other age group. This is because car insurance companies see teen drivers as high-risk drivers due to their comparatively high accident rates. CDC data shows that teen drivers are nearly three times as likely to be involved in a serious crash as drivers age 20 and older.[4]
Luckily, teens can save on car insurance by staying on their parents’ insurance plan, maintaining a safe driving record, opting for a vehicle with a strong safety record, and taking advantage of good student discounts.
Car insurance for teen drivers in Denton costs $216 per month for liability-only coverage and $440 for full coverage, on average. Here are the cheapest auto insurance companies in Denton for teen drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $122 | $64 |
| GEICO | $123 | $65 |
| Allstate | $176 | $96 |
| USAA | $212 | $114 |
| Mile Auto | $229 | $113 |
| Mercury | $271 | $158 |
| Nationwide | $275 | $151 |
| Progressive | $314 | $181 |
| Clearcover | $348 | $233 |
| Safeco | $356 | $200 |
| Elephant | $396 | $242 |
| Chubb | $407 | $220 |
| 21st Century | $419 | $226 |
| Dairyland | $463 | $178 |
| The General | $466 | $214 |
| Direct Auto | $469 | $245 |
| Bristol West | $500 | $235 |
| National General | $514 | $249 |
| Liberty Mutual | $577 | $350 |
| GAINSCO | $627 | $295 |
| Commonwealth Casualty | $669 | $243 |
| State Auto | $837 | $455 |
| Foremost | $865 | $407 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Denton car insurance quotes by credit tier
Texas state law allows car insurance companies to take your credit history into consideration when determining your car insurance rates. But companies may not refuse you coverage or cancel your coverage due to your credit history.[5]
As the chart below shows, Denton drivers with excellent or good credit scores pay lower car insurance rates on average compared to drivers with poor credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Denton?
Denton’s average car insurance rate of $178 per month is higher than the national average of $154 per month.
Car insurance rates can vary by ZIP code based on a variety of factors, such as local repair costs, property values, the frequency of insurance fraud, local crime rates, and local weather patterns.
More cities in Texas
Car insurance rates vary from city to city in Texas. While Denton doesn’t have the cheapest car insurance in Texas, its full-coverage rates are still at or below the state average of $241 per month.
Below, you can see average quotes in other Texas cities and how they compare to Denton.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Arlington | $248 | $126 |
| Austin | $241 | $131 |
| Dallas | $277 | $133 |
| El Paso | $202 | $97 |
| Fort Worth | $237 | $120 |
| Houston | $322 | $174 |
| Irving | $261 | $130 |
| Plano | $243 | $126 |
| San Antonio | $237 | $123 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Denton car insurance FAQs
Car insurance rates can be high in Denton, but you can keep your rates low with the following information.
How much is car insurance in Denton, Texas?
The average rate for car insurance in Denton is $178 per month. The average rate for liability-only coverage is $117, and the average rate for full coverage is $239 per month.
Which company has the cheapest car insurance rates in Denton?
Denton drivers can find the cheapest car insurance rates with State Farm, which has a monthly rate of $36 for liability coverage. GEICO and Allstate are also cheap options, with monthly liability rates of $39 and $52, respectively.
What are the best car insurance companies in Denton?
State Farm, GEICO, and Allstate rank as three of the top insurers in Denton. All three are leading national insurers with impressive Insurify Quality Scores. In addition, each insurer has received recognition for their variety of offerings, customer service, and financial stability.
What is the bare-minimum car insurance in Texas?
To drive legally in Texas, you must have car insurance that meets the state’s minimum requirements for bodily injury and property damage liability. For bodily injury, your coverage must amount to at least $30,000 per person and $60,000 per accident. For property damage liability, your coverage must meet or exceed $25,000 per accident.
Can you avoid paying for car insurance in Texas?
No. To drive in Texas, you must have coverage that meets the state’s minimum requirements outlined above. But you can choose to carry coverage that exceeds those minimums.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Texas
Sources
- Texas Department of Insurance. "Shopping for auto insurance: What to know before you buy a policy."
- NOLO. "Texas's Speeding Laws."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- CDC. "Teen Drivers and Passengers: Get the Facts."
- Texas Department of Insurance. "Credit Scoring and Insurance."
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A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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