Key Takeaways
- We found that the best car insurance company in Texas is Texas Farm Bureau because it offers the lowest overall rates and top customer service in the state.
- Texas car insurance costs $80 per month for minimum coverage and $263 per month for full coverage on average.
- To find the best car insurance in Texas, determine your coverage needs, research costs, find out which discounts you qualify for and compare quotes from multiple providers and sources.
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Best Car Insurance Companies in Texas
Below, we’ve summarized our picks for the best car insurance companies in Texas:
- Texas Farm Bureau: Best Car Insurance Company in Texas
- USAA: Best Car Insurance For Military
- State Farm: Best Car Insurance For Young Drivers
- Geico: Best Car Insurance Discounts
- Progressive: Best Cheap Car Insurance for a DUI
Click each provider name to learn more about the top auto insurers in the Lone Star State.
When choosing the best insurance providers on a national scale, we examine each provider using several metrics, including industry reputation, customer review scores, coverage options and cost estimates from Quadrant Information Services. To learn more about the best providers in the Lone Star State, we took a closer look at rates and coverage options specifically offered to Texans with varying driving histories, vehicles and credit scores. Next, we weighed these coverages and costs against each provider’s score in the J.D. Power 2024 U.S. Auto Insurance Study℠, which surveyed policyholders on their satisfaction with their insurer’s billing process, claims, interactions, policy offerings and price.
To gain a comprehensive view of each company’s overall customer service quality, we also polled over 2,000 insurance customers about their experiences with different insurance providers. We asked for feedback, including initial impressions and how any claims were handled. By combining this information with our own experiences with many of these insurance providers, our goal is to provide an honest and detailed snapshot of what each provider offers drivers in Texas.
1. Texas Farm Bureau
Best Texas Car Insurance Company
7.2/10
Monthly Minimum-Coverage Rate:$40Monthly Full-Coverage Rate:$119J.D. Power Texas Customer Service Rating:686/1,000
Pros Low prices for most drivers in Texas Strong industry reputation Local agents for in-person customer service Offers rideshare coverage Cons Must be a member of Farm Bureau to qualify for coverage No usage-based insurance programs
Why We Picked Texas Farm Bureau
Overall, we found that Texas Farm Bureau was the best car insurance provider in Texas because it is the state’s most affordable option with the highest customer satisfaction ratings. Also, as a local company, it offers better personalized service for Texas residents than some larger providers can.
Texas Farm Bureau Car Insurance Customer Satisfaction
2024 J.D. Power Customer Satisfaction Survey: 1st in Texas
Our Customer Satisfaction Survey: 5th in Texas
Our recent survey included a few Texas Farm Bureau customers and they had mostly positive feedback about the company’s coverage and customer service. Here’s what customers said about working with Texas Farm Bureau:
“Texas Farm Bureau has a very good reputation among the rural folks in Texas. Initially, they are also very price competitive.”
“They have great customer service and our agent is a good friend of the family. We have never had issues filing a claim or with anything else.”
Texas Farm Bureau Car Insurance Cost and Discounts
In almost every category we studied, Texas Farm Bureau ranked first for affordability in the state. The company’s average annual minimum-coverage rates are $483 while full coverage sits at $1,427 yearly on average. While discount offerings are pretty standard, you can participate in their usage-based program Drive’n Save to get additional savings for good driving habits.
The rates you receive will vary greatly depending on your driver profile so we’ve broken down average costs by category:
| Texas Car Insurance Cost Category | Average Annual Minimum-Coverage Cost and Affordability Rank | Average Annual Full-Coverage Cost and Affordability Rank |
|---|---|---|
| Young Drivers (16 to 25) | $1,013 (1st) | $2,346 (1st) |
| Adults (35 to 55) | $462 (1st) | $1,359 (1st) |
| Seniors (65 to 75) | $470 (1st) | $1,235 (1st) |
| Bad Credit | $1,024 (2nd) | $3,313 (1st) |
| Single DUI | $1,141 (4th) | $2,519 (1st) |
| Single Accident | $824 (2nd) | $2,224 (1st) |
| Single Speeding Ticket | $483 (1st) | $1,427 (1st) |
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2. USAA
Best Car Insurance for Military
9.2/10
Monthly Minimum-Coverage Rate:$52Monthly Full-Coverage Rate:$189J.D. Power Texas Customer Service Rating:710/1,000
Pros Low average rates Discounts for military deployment and garaging a vehicle on base High customer service ratings Cons Eligibility restrictions
Why We Picked USAA
USAA earned our second pick for the best car insurance in Texas for its affordable rates, top-notch customer service in the state for military members and their families, and great discount programs.
USAA Car Insurance Customer Satisfaction
2024 J.D. Power Customer Satisfaction Survey: Unranked due to eligibility requirements, but received the highest score in Texas
Our Texas Customer Satisfaction Survey: 1st in Texas
In our recent survey, most USAA customers in Texas told us they enjoyed the company’s friendly and prompt customer service. Many USAA members we spoke with had been with the company for multiple years or were legacy members who received coverage because a relative served in the military. Overall, customers appreciated affordable rates and the company’s easy claim filing process.
Below are some highlights of the feedback we received from USAA drivers in Texas:
“Makes the military members feel included and gives people like me great deals for my retirement.”
“They are very quick to approve claims and always very friendly and the rates are pretty good as well.”
“They have always been good to me and I’ve been a long-time client. My dad was in the USAF.”
USAA Car Insurance Cost and Discounts
USAA is overall the second most affordable company on our list in Texas with average annual rates of $622 (35% lower) for minimum coverage and $2,265 (28% cheaper) for full coverage on average. There are also plenty of unique discount incentives if you store your vehicle on a military base and prices decrease the longer you are with them.
Below you will find how USAA stacks up in major cost categories in Texas:
| Texas Car Insurance Cost Category | Average Annual Minimum-Coverage Cost and Affordability Rank | Average Annual Full-Coverage Cost and Affordability Rank |
|---|---|---|
| Young Drivers (16 to 25) | $1,320 (2nd) | $4,128 (2nd) |
| Adults (35 to 55) | $601 (2nd) | $2,117 (2nd) |
| Seniors (65 to 75) | $757 (3rd) | $2,308 (4th) |
| Bad Credit | $985 (1st) | $4,037 (2nd) |
| Single DUI | $1,008 (1st) | $3,442 (3rd) |
| Single Accident | $1,014 (3rd) | $3,521 (3rd) |
| Single Speeding Ticket | $702 (3rd) | $2,567 (3rd) |
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3. State Farm
Best Car Insurance for Young Drivers
9.4/10
Monthly Minimum-Coverage Rate:$51Monthly Full-Coverage Rate:$190J.D. Power Texas Customer Service Rating:654/1000
Pros Good student discount of up to 25% Strong industry ratings Affordable average rates for good drivers Cons Lower-than-average BBB rating
Why We Picked State Farm
State Farm earned our third spot and has the best car insurance for young drivers in Texas due to their many discount programs geared toward students and those under 25.
State Farm Car Insurance Customer Satisfaction
2024 J.D. Power Customer Satisfaction Survey: 3rd in Texas
Our Texas Customer Satisfaction Survey: 2nd in Texas
Many Texans in our survey have worked with State Farm for car and other insurance needs for several years. Customers report State Farm offering lower rates than other providers they tried, and that State Farm’s all-in-one app makes managing policies and paying premiums easy.
Here’s what a few Texas drivers had to say about State Farm:
“We have been with State Farm for over 30 years. I feel it is a very reliable and honest company.”
“[They’re] the best at what they do and how they take care of people. They were the only insurance willing to take me during the time I needed them.”
“Better rates is what got me to sign. I went through a very long process. Going through various providers before I chose them.”
State Farm Car Insurance Cost and Discounts
With State Farm, Texas car insurance rates are 37% cheaper for minimum plans and 28% lower for full coverage. Rates are very affordable if you are between ages 65 and 75, want to buy minimum coverage, or have violations for speeding or an accident. If you are a young driver under 25 years old, you can also save a significant amount of money with their Steer Clear program and their student away-from-home discount.
Below is the pricing for core profiles and the affordability rankings in Texas from State Farm:
| Texas Car Insurance Cost Category | Average Annual Minimum-Coverage Cost and Affordability Rank | Average Annual Full-Coverage Cost and Affordability Rank |
|---|---|---|
| Young Drivers (16 to 25) | $1,610 (4th) | $5,153 (4th) |
| Adults (35 to 55) | $604 (3rd) | $2,199 (3rd) |
| Seniors (65 to 75) | $619 (2nd) | $2,138 (3rd) |
| Bad Credit | $3,656 (11th) | $16,386 (11th) |
| Single DUI | $1,091 (3rd) | $3,605 (4th) |
| Single Accident | $745 (1st) | $2,660 (2nd) |
| Single Speeding Ticket | $606 (2nd) | $2,285 (2nd) |
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4. Geico
Best Car Insurance Discounts
9.1/10
Monthly Minimum-Coverage Rate:$63Monthly Full-Coverage Rate:$195J.D. Power Customer Service Rating:653/1000
Pros Offers mechanical breakdown insurance and other coverage extras 16 car insurance discounts A++ financial strength rating from AM Best and A+ rating from the BBB Cons Mixed customer reviews
Why We Picked Geico
In our review of Texas car insurance companies, Geico earned the number four spot due to their reasonable rates and a large array of discounts that are easy to attain. We also found they have unique add-ons such as rideshare coverage and mechanical breakdown insurance.
Geico Car Insurance Customer Satisfaction
2024 J.D. Power Customer Satisfaction Survey: 4th in Texas
Our Texas Customer Satisfaction Survey: 3rd in Texas
In our survey of Texas drivers, 27% reported working with Geico. Feedback from these customers was very positive, with a majority of customers praising the company’s low rates and wide variety of discounts. Here are some highlights of the comments we received about Geico coverage from drivers in Texas:
“I have had nothing but excellent experiences with Geico since I’ve been a customer. They are very attentive.”
“They are very generously priced and I love the bundle discounts they offer. Customer service is always available when you need help.”
“I feel like they are the best priced to meet my needs at the moment. They are easy to get a hold of and answer any questions I have about my insurance needs.”
Geico Car Insurance Cost and Discounts
Texas minimum car insurance is 21% cheaper while full-coverage premiums are 26% lower on average. Their selection of discounts can also save you up to 25% on your policy.
Below you can compare average rates for different categories for Texas car insurance with Geico:
| Texas Car Insurance Cost Category | Average Annual Minimum-Coverage Cost and Affordability Rank | Average Annual Full-Coverage Cost and Affordability Rank |
|---|---|---|
| Young Drivers (16 to 25) | $1,608 (3rd) | $4,388 (3rd) |
| Adults (35 to 55) | $758 (4th) | $2,266 (5th) |
| Seniors (65 to 75) | $879 (5th) | $2,224 (4th) |
| Bad Credit | $2,107 (9th) | $5,229 (6th) |
| Single DUI | $1,509 (6th) | $4,113 (5th) |
| Single Accident | $1,265 (5th) | $3,712 (4th) |
| Single Speeding Ticket | $890 (4th) | $2,800 (4th) |
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5. Progressive
Best Car Insurance With a DUI
9/10
Monthly Minimum-Coverage Rate:$74Monthly Full-Coverage Rate:$209J.D. Power Texas Customer Service Rating:616/1000
Pros Offers usage-based program Snapshot® Numerous discounts for different situations Extras like accident forgiveness and roadside assistance Cons Average customer reviews
Why We Picked Progressive
Overall Progressive closes our list as the fifth best car insurance provider in Texas for their great rates for drivers with a DUI and unique add-ons such as mechanical breakdown insurance, pet coverage, and custom parts replacement.
Progressive Car Insurance Customer Satisfaction
2024 J.D. Power Customer Satisfaction Survey: 9th in Texas
Our Texas Customer Satisfaction Survey: 4th in Texas
Though Progressive customers in Texas rated the company as less affordable than other providers on our list, overall sentiment about its coverage and customer service is positive. In fact, some Texas drivers report receiving better rates from Progressive than competitors:
“Good in the beginning, gave me a much better rate than my previous insurance.”
“Better prices and easy to work with. We were tired of the rate increases with our previous provider.”
“Great initial experience, friendly customer service, and they explained my options to me, and had very reasonable rates.”
Progressive Car Insurance Cost and Discounts
Progressive car insurance in Texas on average is 7% cheaper for minimum-coverage plans and 21% cheaper for full coverage. Uniquely, Progressive allows you to buy policies completely online, and they sweeten the deal by offering discounts of up to 7% for getting a quote online and 9% for signing completely online.
The table below showcases rates from the company for Texas drivers in several different categories:
| Texas Car Insurance Cost Category | Average Annual Minimum-Coverage Cost and Affordability Rank | Average Annual Full-Coverage Cost and Affordability Rank |
|---|---|---|
| Young Drivers (16 to 25) | $4,054 (7th) | $6,075 (5th) |
| Adults (35 to 55) | $838 (5th) | $2,358 (5th) |
| Seniors (65 to 75) | $918 (5th) | $2,498 (5th) |
| Bad Credit | $1,460 (5th) | $4,354 (4th) |
| Single DUI | $1,066 (2nd) | $3,156 (2nd) |
| Single Accident | $1,474 (6th) | $4,081 (6th) |
| Single Speeding Ticket | $1,204 (5th) | $3,562 (5th) |
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How To Find the Best Car Insurance in Texas
Finding the best car insurance in Texas for you can be difficult, so we’ve broken down the most important tips to help you find the right coverage and insurer.
1. Find Out What Coverage You Need
If you live in Texas you’ll need at the very least 30/60/25 of liability coverage if you own your vehicle. If you are leasing or financing your car, you’ll likely need some form of full coverage set by the dealership which includes liability, collision and comprehensive coverage.
When you own your vehicle the decision is more complex and truly depends on your risk tolerance. You can determine how much coverage you’ll need by considering the following factors:
| Coverage Choice Factor | Why It’s Important | How To Use It To Determine the Coverage You Need |
|---|---|---|
| Location | Locations vary in weather patterns, accident frequency and crime which can increase or decrease the risk of damage. | Use the weather and crime in your area to determine whether you need comprehensive coverage. Accident frequency will let you know how risky it is to drive without collision coverage. |
| Driving habits | The more you drive the longer the distances of your trips on average can increase the risk of an accident severity of damage, so more or less coverage may be appropriate. | Your driving habits can act as a scale for your risk and possible need for different types of coverage. |
| Your financial situation | Limits you choose depend on how much you can afford to pay both for a policy and if you were to get into an accident. | Use this to determine the deductible you’re willing to pay and the ceiling for monthly payments. |
| Accidents cost | This goes hand-in-hand with all of the other factors and using average accident costs along with repair and replacement prices for your vehicle can help you in this process. | Putting into perspective how much you may pay for damage can help you determine whether you’ll be able to afford damages if they happen and if different coverage levels are worth the cost. |
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You’ll also want to consider other types of car insurance coverage that are optional such as roadside assistance, trip interruption, accident forgiveness and more.
Read more: How Much Car Insurance Do You Need?
2. Understand Average Costs in Texas
Before even comparing policies, you need to understand the average car insurance prices in your area and your driver profile. For example, car insurance costs $960 per year for minimum coverage and $3,156 per year for full coverage if you are 35, have good credit and no driving violations. Learn more about the average car insurance cost of car insurance in Texas in our article below to get started.
Read more: Average Texas Car Insurance Costs
3. Research Company Reputations
While it can be hard to gauge a company’s reputation based solely on customer reviews, try to look for ratings for financial strength, customer satisfaction and frequency of complaints. Great sources for this type of information include J.D. Power studies, A.M. Best and the National Association of Insurance Commissioners (NAIC).
4. Compare Multiple Companies and Coverages
Comparison shopping with multiple companies and types of car insurance coverage can help you understand where to find the best deals and how much coverage actually costs for you. This also includes getting quotes for add-on coverages and non-standard insurance, as well as quotes from pay-per-mile insurance companies, and for high-risk or low-income drivers in Texas.
Start comparing: Compare Car Insurance
5. Take Advantage of Discounts
Depending on your driver profile, you’ll be eligible for different discounts and offerings vary by company. So when you talk to agents, make sure you’re taking advantage of any premium reductions or programs like telematics insurance which can save you a maximum between 10% to 40% depending on the company.
Texas, like most other states, also offers driver safety courses that can earn you discounts on your insurance premiums of up to 10%. They cost at least $25 and a maximum of $50 in most cases, only lasting a few hours. This is well worth the cost and all insurers are required to offer them or you can take it on a certified website.
Read more: Car Insurance Discounts
6. Get Quotes From Multiple Sources
While it can be tempting to choose only one avenue of getting quotes, if you dig deeper and call company agents, use online comparison sites, and independent agencies you’ll see prices differ. One of our team members, Connor Bolton, confirmed this while searching for car insurance after moving and getting quotes from Geico:
“They quoted me $332 on the Geico website, but on another comparison site the same coverage cost $285. Then when I got on the phone with a Geico agent, I received another different price”
We recommend using multiple avenues when getting quotes to get the best coverage for the lowest price.
The Bottom Line: Best Texas Car Insurance
In the Lone Star State, drivers can generally find affordable coverage from Texas Farm Bureau, USAA, State Farm, Geico and Progressive. Whatever kind of coverage you’re looking for, the best way to find the right provider is to compare car insurance quotes from multiple companies.
Best Auto Insurance in Texas: FAQ
Below are some frequently asked questions about the best auto insurance in Texas:
Texas Farm Bureau is the best car insurance company in Texas due to it having the lowest rates overall for most drivers and the best customer service in the state. Even though it will typically be the top option, we also believe you should consider USAA, State Farm, Geico and Progressive in your search.
We rate Texas Farm Bureau as the best car insurance company in Texas because the company offers dependable coverage at low rates for most drivers in the state. Texas Farm Bureau’s coverage is also backed by outstanding customer service from local agents who live and work in many of Texas’ most popular communities.
On average, Texas Farm Bureau offers the cheapest car insurance in Texas. Our estimates show minimum coverage from the company costs about $483 per year on average, which is about 50% cheaper than the state average. State Farm and USAA are also among the cheapest car insurance companies in Texas.
The average cost of full-coverage auto insurance in Texas is $263 per month for a 35-year-old driver with a clean driving history and a good credit score. Your rates could vary based on your driving record, age, insurance company and more.
According to our estimates, Geico’s average rates are more affordable than the average car insurance premiums in Texas. Geico’s minimum coverage is about 21% cheaper than the state average, while its full coverage is about 26% cheaper.
Considering all types of insurance, including auto and homeowners insurance, the five largest companies are State Farm, Geico, Progressive, Allstate and Liberty Mutual, according to the NAIC.
Our Methodology
Our comprehensive rating system utilizes the latest 2024 insurance rates from Quadrant Information Services in combination with data we’ve collected on dozens of insurance companies. To help consumers get the most accurate picture of insurance rates in the state of Texas, we’ve averaged rates from the top 12 providers across 40 Texas ZIP codes. Our base driver profiles for Texas insurance quotes include male and female drivers, age 35, driving a 2023 Toyota Camry with a clean driving record and good credit.
We’ve also looked at quotes for Texas drivers of multiple ages and those with a history of accidents, speeding tickets or DUIs, as well as drivers with poor credit. Our minimum-coverage quotes reflect coverage that meets state minimum insurance requirements in Texas, while our full-coverage quotes reflect the following coverage amounts:
✔ $50,000 per person in bodily injury coverage
✔ $100,000 per accident in bodily injury coverage
✔ $50,000 per person in property damage coverage
✔ $500 comprehensive coverage deductible
✔ $500 collision coverage deductible
How We Vetted Texas Car Insurance Companies
When rating providers nationally or in Texas, we take several factors into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.com.
