Car Insurance in Denton, Texas
Estimated full coverage in Denton runs about $1,940 a year ($162/month) — ▲ +2% versus the Texas average, ranking 33rd most expensive of the 57 Texas cities we cover.
Why car insurance in Denton costs more than the Texas average
Insurers price by territory, and Denton's numbers explain most of the gap. With 165,998 residents on 96.9 square miles, the city's density (1,712 people per square mile) is 2.6 times the density where the typical Texas resident lives (670). The average commute is 23.7 minutes (Texas: 26.7), and 67% of workers drive alone. Together these put our location factor at 1.02× the state baseline for liability and collision.
| Factor | Denton | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 1,712 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 23.7 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 5.3% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 66.8% | — | Share of workers commuting by car. |
| Public transit to work | 0.8% | — | Transit use lowers how much residents drive. |
| Work from home | 14.3% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 5.4% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 89.3 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Denton
Rates can change from one ZIP code to the next. Across 7 Denton ZIP codes, our full-coverage estimate ranges from $1,860 in 76207 to $2,100 in 76203. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 76210 | 47,610 | 2,954 | 26.4 min | 2.5% | $2,035 | +5% |
| 76201 | 31,143 | 5,703 | 20.6 min | 11.5% | $2,010 | +4% |
| 76208 | 30,025 | 1,097 | 26.3 min | 3.9% | $1,935 | 0% |
| 76209 | 27,982 | 4,205 | 23.1 min | 4.8% | $2,020 | +4% |
| 76207 | 19,862 | 492 | 26.4 min | 2.2% | $1,860 | −4% |
| 76205 | 18,978 | 2,284 | 20.6 min | 4.0% | $1,920 | −1% |
| 76203 | 1,085 | 120,556 | 8.2 min | — | $2,100 | +8% |
Minimum car insurance in Denton
Denton drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Denton at $710 a year, and $990 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Denton premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Denton County as very high for hail, relatively high for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
5.3% of Denton commuters spend an hour or more getting to work, and there are 1.82 vehicles per household. 14.3% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.7 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.8 | Comprehensive; dwelling | |
| Hurricane | 58.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 95.7 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 92.7 | Comprehensive; dwelling | |
| Winter weather | 86.2 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Denton by driver profile
A clean-record driver in their 50s pays the least in our Denton model (about $1,785 for full coverage); an 18-year-old on their own policy pays about $5,335, and a DUI pushes a 30-something to $3,585.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,950 | $2,715 | $5,335 | $445 |
| Young adult (22) | $1,135 | $1,580 | $3,105 | $259 |
| Adult in their 30s | $710 | $990 | $1,940 | $162 |
| Adult in their 50s | $650 | $910 | $1,785 | $149 |
| Senior (72) | $795 | $1,105 | $2,170 | $181 |
| 30s, one at-fault accident | $1,025 | $1,430 | $2,810 | $234 |
| 30s, DUI on record | $1,310 | $1,825 | $3,585 | $299 |
Minimum vs. standard vs. full coverage in Denton
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $710 | $59 | $580–$835 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $990 | $82 | $810–$1,165 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,940 | $162 | $1,590–$2,290 |
Estimate your premium in Denton
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Cheap car insurance in Denton: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Denton's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $135 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $135 | You're among the 14.3% of Denton workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $520 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $950 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $425 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Denton
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 25 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Denton, our estimates differ by up to $240 a year between neighborhoods.
Car insurance agents near Denton, TX
We found 25 insurance offices within about 8 miles of central Denton, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Thomas E Graham Jr. - Allstate
1410 N Elm St, Ste 100, Denton, TX 76201 -
Sanchez Insurance & Tax
913 Sunset Street, Denton, TX 76201 -
Gabriela Castro - Farmers Insurance
1204 W University Dr, Denton, TX 76201 -
A-MAX Auto Insurance
1627 West University Drive, Denton, TX 76201 -
Baja Auto Insurance
500 West University Drive, Denton, TX 76201 -
Freeway Insurance
602 W University Dr, Denton, TX 76201 -
Fred Loya Insurance
231 West University Drive, #101, Denton, TX 76201 -
Michael Doranski - Allstate
2000 Denison St, Ste A, Denton, TX 76201 -
Farmers Insurance - Gregory Teller
1129 Collier Street, Denton, TX 76201 -
Farmers Insurance Group
108 East University Drive, Denton, TX 76201 -
Rony Eduardo Chavez - Farmers Insurance
301 Dallas Dr, Denton, TX 76205 -
Hector Mendoza - Farmers Insurance
723 S I 35 E, Denton, TX 76205 -
Alan Zimmerer - State Farm
264 S Interstate 35 E, Denton, TX 76205 -
Matt Portz - State Farm
800 S. Interstate 35 E, Denton, TX 76205 -
John W Fondon - Farmers Insurance
1710 Westminster St, #B, Denton, TX 76205 -
Mariana Soto Rogers - Farmers Insurance
4401 N I 35, Denton, TX 76207 -
Lance Allan Thomas - Farmers Insurance
2220 San Jacinto Blvd, Denton, TX 76205 -
Neill Christian - State Farm
2409 Fort Worth Drive, Suite 100, Denton, TX 76205 -
Scott Goldsberry - GEICO
2219 S. Loop 288, Suite 100, Denton, TX 76205 -
Jennifer Wrice - Farmers Insurance
2925 Country Clb Rd, Denton, TX 76210 -
George Carranza - Allstate
2430 S I 35 E, Ste 212, Denton, TX 76205 -
Nationwide
1206 Bent Oaks Court, Suite 100, Denton, TX 76210 -
Cindy Pannell State Farm Insurance
TX -
State Farm
3305 Mayhill Road, Suite# 119, Denton, TX 76208 -
Josh Knowles - Allstate
1400 N Corinth St, Ste 108, Corinth, TX 76208
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Denton
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,455 | −25% |
| Subaru Outback | Wagon | $1,460 | −25% |
| Tesla Model 3 | Midsize car | $2,020 | +4% |
| Subaru Forester | Small SUV | $1,430 | −26% |
| Honda Civic | Compact car | $2,185 | +13% |
| Toyota Corolla | Compact car | $2,050 | +6% |
| Jeep Wrangler | Midsize SUV | $1,590 | −18% |
| Mazda CX-5 | Small SUV | $1,625 | −16% |
| MINI Cooper | Subcompact car | $1,465 | −24% |
| Tesla Model Y | Midsize SUV | $1,815 | −6% |
Car insurance in nearby Texas cities
- Lewisville $2,030/yr · 15 mi
- Southlake $1,955/yr · 18 mi
- Frisco $2,105/yr · 19 mi
- Carrollton $2,030/yr · 21 mi
- Plano $2,065/yr · 26 mi
- Irving $2,040/yr · 27 mi
- McKinney $2,085/yr · 28 mi
- Allen $2,120/yr · 28 mi
- Richardson $2,040/yr · 30 mi
- Fort Worth $2,060/yr · 32 mi
- Arlington $2,095/yr · 36 mi
- Garland $2,160/yr · 36 mi
All Texas cities and state rules · Homeowners insurance in Denton
Frequently asked questions
How much is car insurance in Denton, TX?
We estimate full coverage in Denton at about $1,940 a year ($162 a month) for a driver in their 30s with a clean record, and about $710 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Denton more expensive than the Texas average?
Our Denton estimate is 2% higher than the statewide figure. The model reflects a population density of 1,712 people per square mile (the typical Texas resident lives at about 670) and an average commute of 23.7 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Denton?
Drivers in Denton follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Denton has the cheapest car insurance?
Among Denton's 7 ZIP codes, 76207 has the lowest estimate (about $1,860 a year for full coverage) and 76203 the highest (about $2,100), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Denton?
An 18-year-old with their own full-coverage policy would pay around $5,335 a year in Denton by our estimate ($1,950 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Denton?
Yes. FEMA's National Risk Index rates Denton County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Denton?
We list 25 insurance offices in and around Denton, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Denton and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places