Cheapest Auto Insurance in Denton, Texas (2024)

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 $183 per month for car insurance, which is comparable to the Texas state average of $185 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.

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.

Best insurer for cheap rates: State Farm

Best insurer for teen drivers: GEICO

Best insurer for drivers with DUIs: Allstate

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 $1,400 per year, or $117 per month, for liability coverage. The table below shows the cheapest liability-only car insurance options in Denton.

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 $248 per month. The table below highlights the cheapest car insurance companies in Denton for full-coverage policies.

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]

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 $355 for full coverage and $168 for liability-only insurance. The table below shows the cheapest insurers after a speeding ticket.

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 $179 for liability-only car insurance and $379 for full coverage. Here are the cheapest car insurance companies in Denton for drivers with an at-fault accident in their driving history.

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 — $428 on average for full coverage and $202 for liability only. Here are the cheapest car insurance companies in Denton for people with a DUI in their driving history.

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 $132. Here are the cheapest car insurance companies in Denton for senior drivers.

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 $201 per month for liability-only coverage and $426 for full coverage, on average. Here are the cheapest auto insurance companies in Denton for teen drivers.

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.

Is car insurance more expensive in Denton?

Denton’s average car insurance rate of $183 per month is higher than the national average of $160 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 $251 per month.

Below, you can see average quotes in other Texas cities and how they compare to Denton.

Denton car insurance FAQs