Compare Denton, TX Car Insurance Rates (2021)

Denton, TX car insurance rates average around $111 per month, but your individual rates will vary depending on what part of the city you live in and what kind of car you drive. USAA is the cheapest Denton, TX car insurance company, but coverage is only available to military members. State Farm and Nationwide also offer competitive rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Apr 30, 2021

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Here's what you need to know...

  • State Farm offers the cheapest car insurance rates to all drivers in Denton, TX
  • Denton has below average car insurance rates
  • Low traffic volume and theft rates help keep rates down

The good news is that Denton, TX car insurance rates are cheaper than both the national average rates and the average annual cost of Texas car insurance.

Drivers can expect to pay around $111 per month in car insurance premiums in Denton, but your individual rates will vary depending on what part of the city you live in and what kind of car you drive.

Understanding auto insurance rates by age and gender can also give you an idea of what your premiums could be. Scroll down now to learn how to save money on car insurance in Denton and which Denton, TX car insurance companies offer the cheapest rates.

Ready to buy Denton, TX car insurance? Enter your ZIP code now to find cheap car insurance quotes from local companies for free.

What is the cheapest car insurance company in Denton, TX?

The cheapest Denton, TX car insurance company based on average rates is USAA, but that coverage is only available to military members and their dependents. Read our USAA car insurance review to learn more.

Who are the best Texas car insurance companies for drivers not in the military? State Farm offers the next cheapest average rates.

These are the top car insurance companies in Denton, TX ranked by cheapest annual rates to most expensive:

  • USAA – $1,512.91
  • State Farm – $2,060.45
  • Nationwide – $2,092.57
  • Progressive – $2,094.18
  • GEICO – $2,394.20
  • American Family – $2,659.15
  • Allstate – $3,211.74

These annual rates are just averages. The best auto insurance company for you will depend on a lot of personal factors, like age, gender, credit score, and marital status. The type of coverage you choose will also impact how much you pay for car insurance.

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What car insurance coverage is required in Denton, TX?

Texas state law requires that all drivers must carry car insurance to drive. The minimum auto insurance coverage required is:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident in property damage

Texas is a tort state, and drivers found at fault for auto accidents will be liable for damages. We recommend that you carry more than the minimum so you aren’t caught paying for damages out of pocket. It may cost you more in average monthly premiums, but it’s better to drive in Denton, TX knowing you’re protected.

What affects car insurance rates in Denton, TX?

Congested streets and commute time affect car insurance rates in Denton. Luckily, INRX ranks Denton, TX as the 59th most congested city in the country, and City-Data shows that the average commute time is only 24.9 minutes, keeping Denton auto insurance rates relatively low.

Traffic isn’t the only thing that can impact your rates. Crime statistics – especially auto theft – can raise your rates. According to the FBI, 289 cars are stolen from Denton in one year. If you drive a vehicle that’s more likely to be stolen, you will pay more for car insurance.

Denton, TX Car Insurance: The Bottom Line

Denton, TX car insurance rates are around $111/mo ($1,340/yr), which is cheaper than the national and the Texas state average. But your rates can vary based on what part of the city you live in and the kind of car you drive.

Before you buy Denton car insurance, shop around online and compare Denton, TX car insurance quotes from multiple companies to secure the best rates.

Use our free comparison tool below to find affordable Denton, TX car insurance companies near you. Enter your ZIP code to get started.

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