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Last updated on May 18, 2020

The Best Texas Car Insurance Companies

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USAA is our top auto insurance carrier in Texas due to its superior customer service ratings and unique perks and discounts. To find the best Texas car insurance companies, we looked at factors like overall customer satisfaction, included and optional coverage, available discounts, premiums, and more. We also analyzed J.D. Power scores, BBB ratings, and AM best financial strength ratings. You can find reviews and evaluations for all our top picks below. 

The 5 Best Car Insurance Companies in Texas

 USAAAllstateEsuranceGeicoState Farm
 Our reviewOur review Our reviewOur review
AM Best Financial Strength RatingA++A+A+A++A++
J.D. Power 2019 Overall Customer Satisfaction Score(Texas region)5/53/5N/A3/53/5
Avg. Annual Premium$983$1,716$1,886$751$1,070
 Compare ratesCompare ratesCompare ratesCompare ratesCompare rates

Quadrant car insurance rate data as of 07/01/2019

USAA


Best Texas Car Insurance
USAA

Pros

  • Unique discounts like vehicle and military installation discounts
  • No down payment to start a policy
  • Free accident forgiveness coverage after five years for eligible policyholders 

Cons

  • Only available for active military members, veterans, and their family members

If you’re eligible for USAA, you can take advantage of some of the lowest premiums and most flexible policies of any insurance company. USAA also offers unique savings, such as vehicle storage and military installation discounts.

Allstate


Best Texas Car Insurance
Allstate
Allstate


Pros

Cons

Allstate has numerous benefits, like new car replacement and safe-driving bonuses, and it ensures you’ll be satisfied with your claims handling process or you get your money back.  

Esurance


Best Texas Car Insurance
Esurance
Esurance


Pros

  • Easy claims handling
  • E-Star Direct Repair program

Cons

  • Most expensive of our picks
  • Policy underwritten by another company

Esurance Mobile makes filing claims quick by letting you complete photo claims and get your payment sent in as little as one day. Together with Esurance’s guaranteed repairs program, the company is committed to having you back on the road in no time. 

Geico


Best Texas Car Insurance
Geico

Pros

Cons

Geico has the lowest rates on this list, without sacrificing policy features or discounts.  Its convenient app makes sure you can manage all aspects of your policies and claims right from your phone. 

State Farm


Best Texas Car Insurance
State Farm
State Farm


Pros

Cons

State Farm has a huge statewide presence in Texas, with plenty of discounts available to those who choose to buy insurance. Its innovative mobile app only adds to the convenient user experience with features such as claim management and access to roadside assistance

The Cheapest Car Insurance Companies in Texas

Largest Companies by Market Share in TexasAverage Annual Premium 
Loya Insurance$578
GEICO$751
Houston General Insurance$853
USAA$983
State Farm$1,070
Chubb$1,273
California Insurance$1,558
Mercury Insurance$1,636
Dairyland Insurance$1,654
Allstate$1,716
State Auto Insurance$1,761
Nationwide$1,764
Southern County Mutual$1,851
Encompass$1,886
Esurance$1,886
National General$2,081
Kemper Insurance$2,294
Metropolitan Insurance$3,092

Car Insurance Premiums by County

Top Texas County Premiums by PopulationAverage Annual Premium 
Williamson$1,887
Collin$2,013
Travis$2,022
Nueces$2,034
Denton$2,037
Tarrant$2,044
Brazoria$2,080
El Paso$2,082
Montgomery$2,082
Fort Bend$2,131
Bexar$2,216
Dallas$2,235
Harris$2,257
Cameron$2,337
Hidalgo$2,367

Car Insurance by Credit Rating

Credit Rating tierAverage Annual Premium 
Poor $1,966
Below Fair $1,648
Fair $1,430
Average $1,314
Good $1,169
Excellent $992
Average Across Credit Rating Tiers $1,420

Top 3 Cheapest Car Insurance Companies in Texas

  • Loya Insurance – $578
  • Geico – $751
  • Houston General – $853

Top 3 Most Expensive Car Insurance Companies in Texas

  • Metropolitan Insurance – $3,092
  • Kemper Insurance – $2,294
  • National General – $2,081

The cheapest car insurance company in Texas is Loya Insurance, while the most expensive is Metropolitan Insurance. Our rates are based on general profiles, so requesting personalized quotes is the sure way to show you which insurer offers you the best value. 

Guide to Texas Car Insurance

  • Texas is an at-fault state, meaning those responsible for the damage must pay remuneration.
  • Proof and verification of auto insurance is required at all times
  • You get a $350 fine if you fail to produce a valid and current insurance card to authorities
  • 30/60/25 coverage is required
  • Car insurance companies use your C.L.U.E. report to help determine policy approvals

Texas Minimum Liability

Liability represents “responsibility,” and is divided into two categories: bodily injury and property damage. If you’re the at-fault party in an accident, your auto liability insurance will pay the other driver’s medical and vehicle repair costs.

In Texas, your car insurance policy must have at least these liability requirements

  • Bodily Injury – $30,000 per person and $60,000 per covered incident
  • Property Damage – $25,000 per covered incident

Your safest bet is to purchase the most comprehensive coverage you can reasonably afford. That’s because you have to pay out of pocket for any costs exceeding your policy’s liability limits.

How We Found the Average Premium for Texas Car Insurance Companies

We worked with Quadrant Information Services to provide data on auto insurance rates by company and credit score. Quadrant makes this information available using rate data that insurers are required to file with the state Department of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes. 

Texas Car Insurance Companies FAQ

About the Authors

Lorraine Roberte

Lorraine Roberte Contributing Writer

Lorraine Roberte is a South Florida-based personal finance writer. Her work has been published on sites such as Thrive Global, Elephant Journal, Red Tricycle and Tweak Your Biz.