In Texas, car insurance costs tends to hover around the US national average. In 2016, the average Texan paid $1,008 per year for car insurance coverage, while the average American paid about $935, according to the Insurance Information Institute

That said, when it comes to car insurance, every person is different. Each insurance company looks at people and their characteristics differently. They'll price the amount that each person will pay for coverage, also called a premium, differently as well. 

Even though car insurance is relatively affordable in Texas, there's still plenty to be saved if you're willing to shop around and look for the best deals. Here are a few of the best companies offering cheap car insurance in Texas to start your search.

There are a lot of car insurance options to choose from in Texas, but each one will likely offer you a different price. 

Consumer Reports gathered the pricing formulas used by each insurance company in each state, and calculated rates based on the average single adult driver with three different credit types. For insurance in Texas, it found that these three companies offered the best car insurance at the lowest prices for each credit tier. 

Here are Consumer Reports' picks for those with good credit (670 to 739, according to FICO) , along with the average premium for a single adult driver.

  • USAA car insurance: $860 per year
  • State Farm car insurance: $1,304 per year
  • Amica car insurance: $1,383 per year

Drivers with excellent credit scores, or FICO scores above 800, will see the lowest premiums on car insurance, on average. 

  • USAA car insurance: $650 per year
  • State Farm car insurance: $1,084 per year
  • Amica car insurance: $1,109 per year

Drivers with poor credit, or credit scores between 300 and 579, will pay the most for coverage. Here are the average premiums for Texas drivers with bad credit: 

  • GEICO car insurance: $2,162 per year
  • State Farm car insurance: $2,368 per year
  • USAA car insurance: $2,537 per year

There are a lot of factors that go into the price for coverage you see reflected on your quote. When it comes to who sees the cheapest rate, drivers who live in rural areas with less traffic and those with the least expensive cars will often see lower rates. 

There are a lot of other factors that go into your price as well, including your gender, age, and even whether or not you're married or own a home. But perhaps one of the most important factors is credit score, as Consumer Reports' calculations show above. 

There are a couple of things you can do to avoid overpaying for car insurance. First, it might be worth checking your credit score before shopping for car insurance, and working to raise your score if it's not where you'd like it to be.  

Another key to cutting your car insurance costs is shopping around. Since all insurance companies price your policy differently, you'll want to see what a few have to offer. Getting quotes is the easiest way to do this. Once you have your quotes, you'll want to compare them, looking at the coverage types and limits to find the most coverage for your money. Also look to see what the deductible is, or the amount you'll have to pay out-of-pocket if you get into an accident. 

If you're willing to do your homework and shop around for car insurance, you'll be in a better position to get the most car insurance coverage for your money. 

Below is the estimated average annual premium of auto insurance policies per household in Texas' 100 most populous cities.

CityAverage Annual Car Insurance Premium
Abilene$1,292
Allen$1,660
Amarillo$1,356
Arlington$1,383
Atascocita$1,576
Austin$1,418
Baytown$1,341
Beaumont$1,293
Bedford$1,393
Brownsville$1,248
Bryan$1,314
Burleson$1,475
Carrollton$1,486
Cedar Hill$1,457
Cedar Park$1,581
Channelview$1,399
College Station$1,304
Conroe$1,334
Coppell$1,680
Corpus Christi$1,357
Dallas$1,328
Deer Park$1,501
Del Rio$1,301
Denton$1,348
DeSoto$1,405
Duncanville$1,352
Edinburg$1,308
El Paso$1,303
Euless$1,400
Flower Mound$1,745
Fort Worth$1,385
Friendswood$1,612
Frisco$1,692
Galveston$1,261
Garland$1,376
Georgetown$1,441
Grand Prairie$1,416
Grapevine$1,522
Haltom$1,319
Harlingen$1,241
Houston$1,325
Huntsville$1,218
Hurst$1,405
Irving$1,370
Keller$1,696
Killeen$1,332
Kyle$1,519
La Porte$1,464
Lancaster$1,371
Laredo$1,275
League$1,600
Leander$1,596
Lewisville$1,408
Little Elm$1,618
Longview$1,268
Lubbock$1,319
Lufkin$1,250
Mansfield$1,586
McAllen$1,317
McKinney$1,573
Mesquite$1,372
Midland$1,446
Mission$1,311
Mission Bend$1,434
Missouri$1,537
New Braunfels$1,436
North Richland Hills$1,437
Odessa$1,360
Pasadena$1,335
Pearland$1,601
Pflugerville$1,552
Pharr$1,241
Plano$1,543
Port Arthur$1,231
Richardson$1,461
Rockwall$1,567
Rosenberg$1,371
Round Rock$1,519
Rowlett$1,581
San Angelo$1,308
San Antonio$1,329
San Juan$1,293
San Marcos$1,217
Schertz$1,528
Sherman$1,293
Socorro$1,236
Spring$1,451
Sugar Land$1,597
Temple$1,324
Texarkana$1,283
Texas$1,310
The Colony$1,517
The Woodlands$1,583
Tyler$1,297
Victoria$1,341
Waco$1,266
Waxahachie$1,406
Weslaco$1,232
Wichita Falls$1,270
Wylie$1,586

The above data was obtained from S&P Global Market Intelligence.

Personal Finance Insider offers tools and calculators to help you make smart decisions with your money. We do not give investment advice or encourage you to buy or sell stocks or other financial products. What you decide to do with your money is up to you. If you take action based on one of the recommendations listed in the calculator, we get a small share of the revenue from our commerce partners.

The information related to the following cards has been collected by Business Insider and has not been reviewed by the issuer: Chase Freedom Unlimited®, Chase Freedom®, Chase Slate®, Ink Business Preferred® Credit Card Ink Business Cash℠ Credit Card, Ink Business Unlimited℠ Credit Card, Southwest Rapid Rewards® Premier Business Credit Card, Southwest Rapid Rewards® Performance Business Credit Card, IHG® Rewards Club Traveler Credit Card, United ClubSM Infinite Card, United℠ Business Card, British Airways Visa Signature® Card, The World Of Hyatt Credit Card, Citi Diamond Preferred Card, Citi Rewards+ Card, Citi Rewards+ Student Card, CitiBusiness AAdvantage Platinum Select World Mastercard, Citi AAdvantage Executive World Elite™ Mastercard, American Airlines AAdvantage MileUp Card, Citi Secured Mastercard, Costco Anywhere Visa Business Card by Citi, Citi Prestige Credit Card, Citi Premier Card, Citi Simplicity® Card

Take control of your money. SmartAsset's free tool matches you with a financial planner in your area in 5 minutes. Learn more »

Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.