Best Budget Car Speakers Under $120 | MTX Audio

Best Budget Car Speakers
Under $120

Replacing your factory speakers is the single most effective upgrade you can make to a car audio system. Factory speakers are built to a cost, not a standard — polypropylene gets swapped for paper, the magnet shrinks, and the voice coil is sized for cost efficiency rather than output. A decent set of budget aftermarket speakers will sound noticeably better than what came in the car from day one.

This guide covers the four speaker types you will encounter, what to look for at the budget level, and which MTX speakers deliver the most for your money.

Step One: Know Your Speaker Type

Before you shop, you need to know what kind of speaker your build needs. There are four main types and they are not interchangeable.

Coaxial
Most common · Direct replacement

Woofer and tweeter in one basket with an internal crossover. The easiest and most affordable way to replace factory speakers. Works with a factory head unit or amplifier. Best for straightforward upgrades where you want better sound with minimal installation time.

Component
Better staging · Separate drivers

Separate woofer, tweeter, and external crossover. The tweeter mounts higher in the door or A-pillar for improved sound imaging. Takes longer to install but sounds significantly better than coaxial at the same price. Works with a factory head unit or amplifier.

Mid-Bass Driver
Custom builds · Requires amp

A dedicated woofer with no tweeter, designed to handle midrange and upper bass frequencies. Used in advanced builds with separate tweeters and subwoofers. Requires an amplifier and external crossover. Not a direct factory replacement.

Bullet Tweeter
High frequency only · Requires amp

A standalone high-frequency driver paired with a mid-bass driver in custom builds. Handles significantly more power than the tweeters found in coaxial or component sets. Requires an amplifier and external crossover.

Not sure which type you have? If your factory speakers are in the door panel only with no separate tweeter, you have coaxial. If you have a small tweeter mounted in the sail panel or A-pillar in addition to a woofer in the door, you have a component system. See the full speaker upgrade guide for more detail.

What to Look For

RMS Power Handling

Use RMS only for comparison. Budget speakers rated 30–60W RMS work fine on a factory head unit. Higher RMS ratings make sense when paired with an amplifier. Peak and max figures are marketing numbers, not performance specs.

Cone Material

Polypropylene cones are durable, moisture resistant, and the standard for quality budget speakers. Paper cones degrade with heat and humidity. Avoid any speaker that does not specify cone material.

Frequency Response

A wider frequency response means the speaker reproduces more of the audio spectrum. For coaxial speakers without a subwoofer, pay attention to the low end. A speaker that plays down to 60Hz will have more bass presence than one that bottoms out at 90Hz.

Sensitivity

Sensitivity measures how loud a speaker plays at a given power level. Higher sensitivity means more output from the same watt, which matters for factory head unit installations where available power is limited. Look for 88dB or higher at the budget level.

Mounting Depth

Budget speakers need to physically fit in your doors and panels. Always check the mounting depth against your vehicle's available clearance before purchasing. Shallow-mount options exist for vehicles with limited depth behind the speaker location.

Tweeter Quality

In coaxial speakers, the tweeter makes the biggest difference in perceived sound quality. Look for tweeters with a proper material call-out: silk dome, Teteron, or titanium, rather than a generic "balanced dome tweeter" with no specification.

What to avoid

Avoid speakers that list only peak power, use paper cones, or do not publish frequency response and sensitivity specs. Also avoid 3-way and 4-way coaxial speakers at the budget level. Adding more cones to a cheap driver does not improve sound quality and often degrades it. A quality 2-way coaxial will outperform a cheap 3-way every time.

MTX Terminator speakers installed in car door

MTX Terminator Speakers — Best Budget Coaxial & Component

The MTX Terminator speaker line covers the widest range of factory replacement sizes in the budget category, from 3.5 inches up to 6x9. Both coaxial and component options are available. All use polypropylene cones and are built to work with factory head units or amplifiers. Most models come in well under $100.

MTX TERMINATOR6 6.5 inch coaxial speaker
TERMINATOR6 — 6.5" Coaxial
45W RMS · 4Ω · 2-way
$69.95 $59.95
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MTX TERMINATOR69 6x9 inch coaxial speaker
TERMINATOR69 — 6x9" Coaxial
60W RMS · 4Ω · 2-way
$89.95 $79.95
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MTX TERMINATOR5 5.25 inch coaxial speaker
TERMINATOR5 — 5.25" Coaxial
35W RMS · 4Ω · 2-way
$69.95 $59.95
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MTX TERMINATOR6S — 6.5
TERMINATOR6S — 6.5" Component
45W RMS · 4Ω · Separate tweeter + crossover
$99.95 $89.95
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MTX TERMINATOR69S — 6x9
TERMINATOR69S — 6x9" Component
60W RMS · 4Ω · Separate tweeter + crossover
$129.95 $119.95
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MTX RTX Series — Best Budget Mid-Bass & Tweeters

The MTX RTX Series is built for custom installs that need dedicated drivers for each frequency range. Mid-bass drivers handle the midrange and upper bass, while the RTX3 bullet tweeter handles the high end. These are not factory replacements. They are for builders putting together a multi-driver system with separate amplification. All come in under $120.

MTX RTX88 8 inch mid-bass driver
RTX88 — 8" Mid-Bass
150W RMS · 8Ω
$69.95 $59.95
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MTX RTX658 6.5 inch mid-bass driver
RTX658 — 6.5" Mid-Bass
100W RMS · 8Ω
$69.95 $59.95
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MTX RTX108 10 inch mid-bass driver
RTX108 — 10" Mid-Bass
250W RMS · 8Ω
$119.95 $109.95
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MTX RTX3 — 3
RTX3 — 3" Bullet Tweeter
90W RMS · 4Ω · High frequency only
$49.95 $44.95
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Want to step up from budget? If your budget stretches a little further, the MTX Signature Series SS5 and SS7 component speakers offer cast aluminum baskets, glass fiber cones, and a simplified crossover that installs faster than most aftermarket units.

Frequently Asked Questions

What is the difference between coaxial and component car speakers?
A coaxial speaker combines a woofer and tweeter in a single basket with an internal crossover. It is the simplest direct factory replacement. A component speaker separates the woofer and tweeter with an external crossover, which allows the tweeter to be mounted higher for better sound imaging. Component speakers generally sound better but cost more and take longer to install.
Do I need an amplifier for budget car speakers?
Coaxial and component speakers will work with a factory head unit and still sound noticeably better than factory speakers. Adding a 4-channel amplifier significantly increases volume and clarity. Mid-bass drivers and bullet tweeters require an external amplifier to work correctly.
What car speaker size do I need?
Speaker size is determined by your vehicle's factory mounting locations. Common sizes are 3.5", 4", 5.25", 6.5", and 6x9". Check your vehicle's manual or use an online vehicle fit guide to confirm what sizes fit your doors, dash, and rear deck before purchasing.
What RMS power handling do I need for budget speakers?
For a factory head unit, speakers in the 30–60W RMS range are appropriate since most factory head units produce 15–20W RMS per channel. If you are adding an amplifier, match the speaker's RMS rating to the amplifier's output per channel. Always compare RMS ratings, not peak or max figures.
What is a mid-bass driver and when do I need one?
A mid-bass driver is a dedicated woofer with no tweeter, designed to handle midrange and upper bass frequencies. They are used in custom builds with separate tweeters and subwoofers. Mid-bass drivers require an amplifier and external crossover. They are not a direct factory replacement.

Shop Budget Speakers

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Terminator Coaxial
Terminator Coaxial
From $49.95 · 3.5" to 6x9"
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Terminator Component
Terminator Component
From $89.95 · 6.5" & 6x9"
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RTX Mid-Bass
RTX Mid-Bass Drivers
From $59.95 · 6.5" to 12"
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RTX3 Bullet Tweeter
RTX3 Bullet Tweeter
$44.95 · 90W RMS
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