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Last updated on Oct 21, 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.

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