Best Car Insurance in Texas for 2024 | Bankrate (2024)

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Best Car Insurance in Texas for 2024 | Bankrate (1)Written by

Natalie Todoroff

Best Car Insurance in Texas for 2024 | Bankrate (2)Edited by

Lisa McArdle

Best Car Insurance in Texas for 2024 | Bankrate (3)Edited by

Lisa McArdle

Updated Sep 01, 2024

Geico, State Farm and Allstate offer some of the best car insurance policies in the Lone Star State, according to Bankrate’s research.

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Best Car Insurance in Texas for 2024 | Bankrate (4)

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On This Page

To help you find the best car insurance in Texas for your situation, Bankrate’s insurance editorial team analyzed some of the largest insurers in the state by market share. We selected companies that provide lower-than-average rates, offer significant discount opportunities, hold high customer satisfaction ratings from J.D. Power and boast robust financial strength ratings from AM Best. While the ideal car insurance provider will differ for each person, our in-depth analysis may help you find exactly what you’re looking for.

Best car insurance companies in Texas

The average annual cost of car insurance in Texas is $2,426 for full coverage and $693 for state-mandated minimum insurance. Your own rates are likely to vary from these averages based on a number of factors unique to you, including your vehicle type, claim history and age. The best car insurance companies in Texas have affordable rates, but also stand out in other areas, such as their customer satisfaction scores, as determined by J.D. Power's 2024 U.S. Auto Insurance Study.

Bankrate developed the Bankrate Scoring system to help you make the best choice for your insurance. These scores, out of 5 points, are based on average cost data from Quadrant Information Services, customer satisfaction scores, financial strength ratings, digital tools and other factors. The companies that earned the highest Bankrate Scores in Texas are Geico, USAA, State Farm, Nationwide and Allstate.

Insurance company

Bankrate score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.

Average full coverage rate

Average min coverage rate

Geico

4.4

Rating: 4.4 stars out of 5

$1,861

$474

USAA

4.2

Rating: 4.2 stars out of 5

$1,826

$504

State Farm

4.3

Rating: 4.3 stars out of 5

$1,864

$486

Nationwide

4.0

Rating: 4 stars out of 5

N/A

N/A

Allstate

3.9

Rating: 3.9 stars out of 5

$3,018

$768

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Rates refreshed as of Sep 2024

Read our full methodology

Geico

Best Car Insurance in Texas for 2024 | Bankrate (8)Best Car Insurance in Texas for 2024 | Bankrate (9)

4.4

4.4

Rating: 4.4 stars out of 5

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Bankrate Score

Read Geico reviewGet a quote

Avg. full coverage premium

$155/mo

Avg. full coverage premium

$1,861/yr

Customer satisfaction

653/1,000

  • Why Geico made our list: Geico’s high Bankrate Score reflects the company’s top-notch customer service (based on its customer satisfaction scores), pricing, coverage options and lengthy list of potential discounts. With Geico, you can easily file a claim online or use its highly-rated mobile app, available for Android and Apple devices. Geico provides several ways for Texas policyholders to potentially save money on their car insurance, including discount opportunities for airbags, anti-theft devices, accident-free drivers, military members and multiple policies. Geico was awarded three top credentials in the 2024 Bankrate Awards: it was named Best Auto Insurance Company Overall (tie), Best Budget Auto Insurance Company (tie) and Best for Young Drivers.

    Who Geico may be good for: Geico might be a good choice for people who prefer to do business online or through a mobile device. The carrier’s mobile app enables you to access your insurance ID card, pay your premium, request roadside assistance and submit and manage claims. In-person agents are also available in Texas, but offices tend to be concentrated in larger cities like San Antonio, Dallas and Austin. Drivers in smaller, more remote towns may not have as easy access to live Geico agents.

  • Pros

    • Geico’s iOS and Android apps received high ratings from users
    • Extensive list of potential discounts may help reduce premiums

    Cons

    • Few in-person locations
    • Limited optional coverage types
  • Robust digital tools

    Long list of potential discounts

    Nationwide availability

    DriveEasy telematics program

    Offers coverage to drive in Mexico

USAA

Best Car Insurance in Texas for 2024 | Bankrate (10)Best Car Insurance in Texas for 2024 | Bankrate (11)

4.2

4.2

Rating: 4.2 stars out of 5

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Bankrate Score

Read USAA reviewGet a quote

Avg. full coverage premium

$152/mo

Avg. full coverage premium

$1,826/yr

Customer satisfaction

710/1,000

  • Why USAA made our list: USAA consistently earns high scores J.D. Power Auto Insurance Study, making it an exceptional option for those who are eligible for coverage. However, it is only available to active-duty military, veterans and qualifying family members. It also has the second-highest Bankrate Score on our list for its strong customer service ratings, wide range of coverage options, financial strength standing and low average rates. Policyholders can pair standard coverage with optional endorsem*nts like accident forgiveness or car replacement assistance to create a policy that suits their needs.

  • Pros

    • Highly-rated customer service according to J.D. Power
    • Long list of optional coverage types tailored to military needs

    Cons

    • Must meet certain eligibility requirements to purchase coverage
    • Limited in-person locations
  • Current and former military members, as well as their eligible spouses and children, may want to take advantage of USAA’s strong reputation for good customer service and low average rates. The company also offers potential car insurance discounts that could be of particular interest to military members, such as a discount for storing your vehicle at a military base while you are deployed.

State Farm

Best Car Insurance in Texas for 2024 | Bankrate (12)Best Car Insurance in Texas for 2024 | Bankrate (13)

4.3

4.3

Rating: 4.3 stars out of 5

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Bankrate Score

Read State Farm reviewGet a quote

Avg. full coverage premium

$155/mo

Avg. full coverage premium

$1,864/yr

Customer satisfaction

654/1,000

  • Why State Farm made our list: State Farm ranked third in the 2024 J.D. Power Auto Insurance Study in the Texas region. It offers Texans a range of standard and optional car insurance coverage types such as emergency road service, car rental and travel expense coverage. Drivers who appreciate digitally filing and tracking claims may value State Farm’s simple mobile app. Additionally, if you open a State Farm bank account, you can use the company’s multifunctional app to make a deposit, pay bills and transfer funds. Compared to some of the other insurance providers on this list, State Farm’s potential discounts are fairly typical, limiting the number of savings opportunities drivers may have.

  • Pros

    • Offers many types of insurance and financial products beyond car insurance
    • Highly rated by J.D. Power for digital service for policies

    Cons

    • Shorter list of available discounts compared to other carriers
    • Gap insurance is not an offered optional coverage
  • If you want to save on auto insurance in Texas by bundling auto and home insurance policies, State Farm may be a provider to consider. The carrier’s generous multi-policy discount enables you to bundle car insurance with condominium, home, life and renters policies. State Farm also has a broad network of in-person agents, with 19,000 agents nationwide, in addition to its above-average digital policy management (according to J.D. Power).

Nationwide

Best Car Insurance in Texas for 2024 | Bankrate (14)Best Car Insurance in Texas for 2024 | Bankrate (15)

4

4

Rating: 4 stars out of 5

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Bankrate Score

Read Nationwide reviewGet a quote

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

639/1,000

  • Why Nationwide made our list:Nationwide is known for its innovative programs and wide coverage options that may suit diverse budgets and goals. You might also be able to take advantage of multiple potential discounts and leverage the company’s robust digital resources to help you manage your policy. Customers might also benefit from features such as “On Your Side” service, Nationwide’s free annual insurance consultation that pairs policyholders with a licensed agent to be proactive about adapting your insurance to your needs.

  • Pros

    • Vanishing deductible available as an optional coverage selection
    • Low customer complaints as tracked by NAIC Complaint Index

    Cons

    • Slightly below average score in J.D. Power 2023 Auto Claims Satisfaction Study
    • Below average score for Texas region in 2024 J.D. Power Auto Insurance Study
  • In addition to offering a broad selection of coverage that makes customizing your policy easy, Nationwide might be a good choice for automobile owners who expect exemplary customer service. Although it scored slightly below average in the 2023 J.D. Power Auto Claims Satisfaction Study, according to the National Association of Insurance Commissioners (NAIC), Nationwide had a complaint index of 0.46 for its private passenger auto product in 2023, which is well below the national baseline of 1.00.

Allstate

Best Car Insurance in Texas for 2024 | Bankrate (16)Best Car Insurance in Texas for 2024 | Bankrate (17)

3.9

3.9

Rating: 3.9 stars out of 5

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Bankrate Score

Read Allstate reviewGet a quote

Avg. full coverage premium

$251/mo

Avg. full coverage premium

$3,018/yr

Customer satisfaction

646/1,000

  • Why Allstate made our list:Allstate’s wide market share allows the company to employ over 12,000 agents throughout the country. Allstate’s network of agents in Texas may provide excellent customer service by identifying your local needs and giving you a car insurance quote that best fits your budget and goals. Allstate’s average premiums may be more expensive than the state average, but you could save on your premiums if you qualify for some of the car insurance discounts the company offers, including multiple policy, new car and automated payments.

  • Pros

    • Extensive network of local agents
    • Many opportunities to save with discounts, includingDrivewise

    Cons

    • Average rates tend to be higher than other companies
    • Fewer optional coverage opportunities than some other insurers
  • Allstateoperates local agenciesin cities and towns across Texas, which might make it a great choice for motorists who prefer the personal touch of a dedicated agent. Allstate advertises an impressive 11 potential discounts on its website, which might make it an attractive choice for someone who wants to save as much as possible.

How Bankrate chose the best car insurance companies in Texas

To find the best auto insurance companies in Texas, Bankrate analyzed rate data from Quadrant Information Services to see what drivers in Texas are paying for car insurance coverage on average. While we know that price plays an important role in determining which car insurance company is best for you, we also know it is not the only valuable metric. Our editorial team includes licensed insurance agents with real-world insurance industry experience, so when it comes to choosing car insurance in TX, we know first-hand that it’s also helpful to consider discount availability, financial strength ratings and other qualities when reviewing a company.

To help drivers quickly compare providers based on key metrics, Bankrate employs a five-point scale to evaluate each insurer’s coverage options, overall affordability, discounts and third-party ratings for customer satisfaction and financial strength. Since we live in a fast-paced world, we also looked for companies that offer mobile and online tools that can help policyholders easily manage their policies and submit and track claims.

Why you can trust Bankrate

Read our full methodology

To help Texas drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.

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This advertisem*nt is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisem*nt are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisem*nt. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to find the best car insurance in Texas

Texas state law requires all drivers to carry a certain amount of car insurance. Driving without insurance in Texas is punishable by fines and other serious penalties. However, there is more to carrying car insurance than just complying with the law. The right car insurance policy can offer you a broad scope of financial protection and grant you peace of mind when you’re behind the wheel. To help you zero in on the right fit, Bankrate put together some things to consider before you purchase your policy:

Related content:

Best Car Insurance in Texas for 2024 | Bankrate (18)

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Best Car Insurance in Texas for 2024 | Bankrate (19)

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Best Car Insurance in Texas for 2024 | Bankrate (20)

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Answer a few questions to see personalized rates from top carriers in Texas

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Advertising disclosure

This advertisem*nt is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisem*nt are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisem*nt. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Texas?

Drivers pay an average of $693 per year for minimum coverage and $2,426 for full coverage car insurance in Texas. To compare, the national average premiums for car insurance are $639 per year for minimum coverage and $2,348 per year for full coverage, putting Texas about on par with what drivers pay on average across the country for car insurance. Texans actually pay less on average for full coverage auto insurance rates than drivers in nearby Louisiana and Colorado, where drivers pay $3,646 and $3,259 per year, respectively, for full coverage and minimum coverage.

CityAvg. annual full coverage premiumAvg. savings vs. state average

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Rates refreshed as of Sep 2024

Read our full methodology

Estimate your car insurance cost in Texas

Navigating the vast landscape of Texas car insurance can feel overwhelming. Using Bankrate’s intuitive calculator can help provide a tailored estimate of your potential car insurance costs in the Lone Star State.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

An incident means you were at-fault for an accident, ticketed or summoned to court.

Please select age

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Not sure? Your best guess works just fine.

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These factors have the largest impact on your payment and are used to provide a personalized estimate. Based on the state you live in, some rating factors may not apply.

Why we're asking

We calculated your estimate by comparing your provided details to data from similar drivers. Our estimate assumes 2020 Toyota Camry, 12,000 miles annually, and 100/300/50 liability limits with $500 comprehensive and collision deductibles.

Methodology

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisem*nt is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisem*nt are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisem*nt. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisem*nt is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisem*nt are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisem*nt. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

40 year old

Single male and female driver

Best Car Insurance in Texas for 2024 | Bankrate (23)

2022 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

These are sample rates and should only be used for comparative purposes.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5

Rating: 5 stars out of 5

Overall Score

  • Cost & ratings50%

  • Coverage & savings30%

  • Support20%

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from and Moody’s and factored a company’s corporate sustainability efforts.

Best Car Insurance in Texas for 2024 | Bankrate (24)

Written by

Natalie Todoroff

Writer, Insurance

    Read more from Natalie

    Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.

    Best Car Insurance in Texas for 2024 | Bankrate (25)

    Edited by

    Lisa McArdle

    Editor, Insurance

    Best Car Insurance in Texas for 2024 | Bankrate (2024)
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