Top-Rated Car Insurance Options in Texas

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Texas has more miles of roadways than any other state in the U.S., and it’s also one of the costliest states for car insurance, ranking 10th in average premiums. When shopping for car insurance in Texas, it’s crucial to find a balance between cost and coverage. To help you out, we’ve put together this guide to the best car insurance companies in the state. There are over two dozen insurers in Texas, but you don’t need to get quotes from all of them to find the right plan. We’ve narrowed it down to the top companies.

USAA is our top recommendation, especially for those with a military background. However, it’s not available to most drivers who aren’t active military or eligible veterans.

The Best Car Insurance Companies in Texas:

1. USAA
2. Texas Farm Bureau
3. State Farm
4. Nationwide
5. Allstate
6. Progressive
7. GEICO
8. Branch

The only way to find the best car insurance for you is by getting quotes from several of these providers.

When Comparing Car Insurance in Texas:

1. Shop around: Compare quotes from at least six companies.
2. Compare the same coverage: Make sure you’re asking for the same options from each company.
3. Look for bundles: Many companies offer discounts if you have multiple policies with them.
4. Hunt for discounts: Each company offers various discounts; find out which you qualify for.

Why Each Company Made the List:

USAA

• Low premiums: $1,361
• High customer satisfaction: 890
• Strong financial stability: A++

Texas Farm Bureau

• Lowest premiums in the state: $1,013
• High customer service rating: 873
• Limited policy options and discounts

State Farm

• Affordable premiums: $1,481
• Good for older drivers, ridesharing, and single violations
• Many discounts available but lacks gap coverage

Nationwide

• Low premiums: $895
• Offers interesting features like Vanishing Deductible
• Average customer satisfaction

Allstate

• Strong customer satisfaction: 822
• Variety of discounts available
• Above-average premiums: $1,850

Progressive

• Numerous discounts and unique tools like the Name Your Price tool: $687
• Good for ridesharing
• Average customer satisfaction

GEICO

• Many discounts: $1,353
• Great customer service rating: 824
• Offers coverage for driving in Mexico

Branch

• Newer company with innovative technology
• Simple, efficient online claims process
• Limited customer information available

How We Ranked the Best Car Insurance Companies:

1. Policy Options: We looked for companies offering beyond the state minimum, including collision, comprehensive, and specialized coverages.
2. Discounts: We assessed the variety and depth of discounts each company provides.
3. Premiums: While important, we didn’t solely focus on premium averages due to their variability.
4. Customer Satisfaction: We relied on J.D. Power’s U.S. Auto Insurance Study specifically for Texas.
5. Financial Stability: We included only companies rated “A” or better by A.M. Best.

Texas Car Insurance Laws and Requirements:

• Minimum coverage: "30/60/25" (Bodily Injury: $30,000 per person, $60,000 per accident; Property Damage: $25,000 per accident)
• Optional coverages: collision, comprehensive, medical payments, PIP, uninsured/under-insured motorist, towing, and rental reimbursement.

Penalties for Not Having Insurance:

• Fines up to $350 for a first offense and $1,000 for subsequent offenses, including an uninsured motorist charge.

Finding the best car insurance in Texas involves understanding the market and identifying the best combination of premiums, coverage, and discounts. This guide will help you navigate through the top options available.