Best Texas Insurance Companies

According to information from Quadrant Information Services and the 2021 J.D. Power's U.S. Auto Insurance Satisfaction Study, the following Texas car insurance providers stand out for average rates, customer service, and overall customer satisfaction.

The company employs over 12,000 agents throughout the nation, including a vast network of agents in Texas to provide a high degree of personalized customer service. Allstate offers bundling opportunities so you can save money by combining policies for auto, life, and home insurance. The company offers discounts for automatic payments, new car and student status.

Geico provides exemplary customer service, coverage options, and pricing, in addition to offering multiple possibilities for Texas residents to save money. Discounts are available for accident-free drivers, military members, multiple policies, and vehicle airbags and anti-theft devices. The Geico apps on Android and Apple are highly rated and customer service representatives are available 24/7.  

Known for innovative programs and extensive coverage options for diverse customer budgets, goals, and needs, Nationwide offers digital resources for policy management and multiple discount opportunities. Texas drivers can apply for discounts for anti-theft devices, defensive driving, good student, multi-policy and safe driver. Texans can also take advantage of “On Your Side” claims service and a free annual consultation with a licensed insurance agent. 

State Farm offers a wide range of both standard and optional insurance coverages, including car rental, emergency roadside service, and travel expense coverage. The simple mobile app allows for ease of digital claims filing and tracking, and pairing with a State Farm bank account enables you to pay bills, make deposits, and transfer funds.

For active and retired military service members and their families, USAA is an exceptional insurance provider. The company excels in the areas of customer service, coverage options, pricing, and financial strength. 

Best Texas Car Insurance Providers guide

Factors That Affect Premium Rates

In Texas, the average car insurance policy costs $1,823 annually for full coverage and $524 per year for minimum coverage, which is lower than the national average of $1,674 for full coverage and $565 for minimum coverage. However, the cost of insuring your automobile is impacted by a variety of factors that have nothing to do with the state borders. Your credit record, gender, and marital status all affect your insurance premiums. In addition, the following factors play a big role in determining rates.

Cheapest Texas Car Insurance

Sometimes you just want the bottom line. Here are the average premiums you can expect from insurance companies in Texas.

Cheapest Texas Insurance Companies

Driving in Texas

With nearly 18 million licensed drivers in Texas, motorists without sufficient car insurance coverage are assuming a big financial risk. The state requires minimum coverage levels of liability insurance; if you cause an accident without that coverage, you will be held personally responsible for the costs of resulting injuries and property damage. If you think it can't happen to you, think again. In 2019, the Texas Department of Transportation reported:

Texas auto insurance guide

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Texas State Minimum Coverage Requirements

Most states require minimum limits of car insurance for drivers, and Texas is no exception. Drivers caught without insurance can be fined up to $350 for the first offense. A second offense carries a fine of up to $1,000 and a two-year license suspension. The Lone Star State requires a minimum liability coverage ratio of 30/60/25, which breaks down to:

Insurers in Texas must also offer you personal injury protection and uninsured/underinsured motorist coverage when you request a quote. If you decide against purchasing the coverage, you must decline them in writing.

These totals represent the minimum coverages required by the state, but if you are involved in an accident that results in expenses exceeding your limits, you will be personally responsible for the excess. You may want to consider higher liability amounts or even full coverage for higher levels of protection against accidents, theft, vandalism, and weather-related incidents.

In Texas, a comprehensive policy with a $1,000 deductible generally costs 118% more than a liability-only policy.

Texas Car Insurance Cost by City

Auto insurance companies use location as a key factor in determining rates. The least expensive car insurance premiums in Texas can be found in Killeen, and the most expensive are in Dallas. Here is a ranking of 25 Texas cities, from highest insurance to lowest.

Your search for the best insurance policy in Texas will depend on your personal profile and specific list of needs. You can make the process easier by narrowing your options with the use of a quality rate comparison site such as OfficialCarInsurance.com.