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
| USAA | Allstate | Esurance | Geico | State Farm | |
| Our review | Our review | Our review | Our review | ||
| AM Best Financial Strength Rating | A++ | A+ | A+ | A++ | A++ |
| J.D. Power 2019 Overall Customer Satisfaction Score(Texas region) | 5/5 | 3/5 | N/A | 3/5 | 3/5 |
| Avg. Annual Premium | $983 | $1,716 | $1,886 | $751 | $1,070 |
| Compare rates | Compare rates | Compare rates | Compare rates | Compare rates |
Quadrant car insurance rate data as of 07/01/2019
USAA
Best Texas Car Insurance
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
Pros
- Unique features such as rewards and other benefits
- Claim Satisfaction Guarantee
Cons
- Higher premiums than the state average
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
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
Pros
- Comprehensive mobile app
- Low rates
Cons
- No gap insurance
- Few local Texas agents
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
Pros
- Mobile app offers helpful features Discounts available in Texas
Cons
- Mixed consumer reviews when comparing J.D. Power and BBB ratings
- Uses non-OEM or recycled parts for claim repairs
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 Texas | Average 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 Population | Average 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 tier | Average 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 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.
Recently Added
