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Best car insurance in Texas for 2023

Geico, State Farm and Allstate offer some of the best car insurance policies in the Lone Star State, according to Bankrate’s research.

Updated Nov 29, 2023
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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To help you find the best car insurance in Texas for your situation, Bankrate’s insurance editorial team analyzed some of the largest insurers in the state by market share. We selected companies that provide lower-than-average rates, offer significant discount opportunities, hold high customer satisfaction ratings from J.D. Power and boast robust financial strength ratings from AM Best. While the ideal car insurance provider will differ for each person, our in-depth analysis may help you find exactly what you’re looking for.

Best car insurance companies in Texas

On average, Texans pay an annual auto insurance premium of $2,019 for full coverage and $565 for minimum coverage. Geico, USAA, State Farm, Nationwide and Allstate stand out in Texas due to coverage options, average rates — provided by Quadrant Information Services and analyzed by our team — and overall customer satisfaction, according to the J.D. Power 2023 U.S. Auto Insurance Study. To help provide you with a quick but comprehensive comparison tool, Bankrate’s insurance editorial team also calculated a Bankrate Score for each provider based on these metrics plus financial strength ratings from AM Best. Each score is out of 5.0 possible points, and a higher score indicates stronger ratings in these areas.

Insurance company
Bankrate score
Info
Average full coverage rate* Average min coverage rate*
4.4
Rating: 4.4 stars out of 5
$1,494
$420
4.3
Rating: 4.3 stars out of 5
$1,747
$499
4.2
Rating: 4.2 stars out of 5
$1,373
$455
3.9
Rating: 3.9 stars out of 5
$1,733
$636
3.8
Rating: 3.8 stars out of 5
$2,894
$555
*USAA is not officially ranked by J.D. Power due to eligibility restrictions.
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for digital policy management

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 801/1,000 AM Best: A++

Average annual premium

$ 1,494 for full coverage
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Why Geico made our list: Geico’s high Bankrate Score reflects the company’s top-notch customer service (based on its customer satisfaction scores), pricing, coverage options and lengthy list of potential discounts. With Geico, you can easily file a claim online or use its highly-rated mobile app, available for Android and Apple devices. Geico provides several ways for Texas policyholders to potentially save money on their car insurance, including discount opportunities for airbags, anti-theft devices, accident-free drivers, military members and multiple policies. Geico is a rare dual Bankrate Award-winning insurance provider; Geico tied with Amica for the best overall car insurance provider and won the best budget car insurance category in our 2023 Awards.

Who Geico may be good for: Geico might be a good choice for people who prefer to do business online or through a mobile device. The carrier’s mobile app enables you to access your insurance ID card, pay your premium, request roadside assistance and submit and manage claims. In-person agents are also available in Texas, but offices tend to be concentrated in larger cities like San Antonio, Dallas and Austin. Drivers in smaller, more remote towns may not have as easy access to live Geico agents.

Read full Geico Insurance review

Best for individuals seeking military-related coverage and discounts

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 860/1,000 AM Best: A++

Average annual premium

$ 1,747 for full coverage
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Why USAA made our list: USAA earned the highest score in the 2023 J.D. Power car insurance study — 860 out of 1,000 — making it an exceptional option for those who are eligible for coverage. However, it is only available to active-duty military, veterans and qualifying family members. It also has the second-highest Bankrate Score on our list for its strong customer service ratings, wide range of coverage options, financial strength standing and low average rates. Policyholders can pair standard coverage with optional endorsements like accident forgiveness or car replacement assistance to create a policy that suits their needs.

Who USAA may be good for: Current and former military members, as well as their eligible spouses and children, may want to take advantage of USAA’s strong reputation for good customer service and low average rates. The company also offers potential car insurance discounts that could be of particular interest to military members, such as a discount for storing your vehicle at a military base while you are deployed.

Read full USAA Insurance review

Best for bundling with multiple policies

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 838/1,000 AM Best: A++

Average annual premium

$ 1,373 for full coverage
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Why State Farm made our list: State Farm ranked second in the 2023 J.D. Power car insurance study and offers Texans a range of standard and optional car insurance coverage types such as emergency road service, car rental and travel expense coverage. Drivers who appreciate digitally filing and tracking claims may value State Farm’s simple mobile app. Additionally, if you open a State Farm bank account, you can use the company’s multifunctional app to make a deposit, pay bills and transfer funds. Compared to some of the other insurance providers on this list, State Farm’s potential discounts are fairly typical, limiting the number of savings opportunities drivers may have.

Who State Farm may be good for: If you want to save on auto insurance in Texas by bundling auto and home insurance policies, State Farm may be a provider to consider. The carrier’s generous multi-policy discount enables you to bundle car insurance with condominium, home, life and renters policies. State Farm also has a broad network of in-person agents, with 19,000 agents nationwide, in addition to its highly-rated digital policy management (according to J.D. Power).

Read full State Farm Insurance review

Best for customizing your policy

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: Not rated AM Best: A+

Average annual premium

$ 1,733 for full coverage
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Why Nationwide made our list: Nationwide is known for its innovative programs and wide coverage options that may suit diverse budgets and goals. You might also be able to take advantage of multiple potential discounts and leverage the company’s robust digital resources to help you manage your policy. Customers might also benefit from features such as “On Your Side” service, Nationwide’s free annual insurance consultation that pairs policyholders with a licensed agent to be proactive about adapting your insurance to your needs.

Who Nationwide may be good for: In addition to offering a broad selection of coverage that makes customizing your policy easy, Nationwide might be a good choice for automobile owners who expect exemplary customer service. Although it scored slightly below average in the 2023 J.D. Power Auto Claims Satisfaction Study, according to the National Association of Insurance Commissioners (NAIC), Nationwide had a complaint index of 0.34 for its private passenger auto product in 2022, which is well below the national baseline of 1.00.

Read full Nationwide Insurance review

Best for discount opportunities

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 809/1,000 AM Best: A+

Average annual premium

$ 2,894 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Allstate made our list: Allstate’s wide market share allows the company to employ over 12,000 agents throughout the country. Allstate’s network of agents in Texas may provide excellent customer service by identifying your local needs and giving you a car insurance quote that best fits your budget and goals. Allstate’s average premiums may be more expensive than the state average, but you could save on your premiums if you qualify for some of the car insurance discounts the company offers, including multiple policy, new car and automated payments.

Who Allstate may be good for: Allstate operates local agencies in cities and towns across Texas, which might make it a great choice for motorists who prefer the personal touch of a dedicated agent. Allstate advertises an impressive 11 potential discounts on its website, which might make it an attractive choice for someone who wants to save as much as possible.

Read full Allstate Insurance review

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How Bankrate chose the best car insurance companies in Texas

To find the best auto insurance companies in Texas, Bankrate analyzed rate data from Quadrant Information Services to see what drivers in Texas are paying for car insurance coverage on average. While we know that price plays an important role in determining which car insurance company is best for you, we also know it is not the only valuable metric. Our editorial team includes licensed insurance agents with real-world insurance industry experience, so when it comes to choosing car insurance in TX, we know first-hand that it’s also helpful to consider discount availability, financial strength ratings and other qualities when reviewing a company.

To help drivers quickly compare providers based on key metrics, Bankrate employs a five-point scale to evaluate each insurer’s coverage options, overall affordability, discounts and third-party ratings for customer satisfaction and financial strength. Since we live in a fast-paced world, we also looked for companies that offer mobile and online tools that can help policyholders easily manage their policies and submit and track claims.

Bankrate logo

Why you can trust Bankrate

Read our full methodology

To help Texas drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to find the best car insurance in Texas

Texas state law requires all drivers to carry a certain amount of car insurance. Driving without insurance in Texas is punishable by fines and other serious penalties. However, there is more to carrying car insurance than just complying with the law. The right car insurance policy can offer you a broad scope of financial protection and grant you peace of mind when you’re behind the wheel. To help you zero in on the right fit, Bankrate put together some things to consider before you purchase your policy:

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Texas?

Drivers pay an average of $565 per year for minimum coverage and $2,019 for full coverage car insurance in Texas. To compare, the  national average premiums for car insurance are $622 per year for minimum coverage and $2,014 per year for full coverage, putting Texas about on par with what drivers pay on average across the country for car insurance. Texans actually pay less on average for full coverage auto insurance rates than drivers in nearby Louisiana and Colorado, where drivers pay $2,909 and $2,121 per year, respectively.

Estimate your car insurance cost in Texas

Navigating the vast landscape of Texas car insurance can feel overwhelming. Using Bankrate’s intuitive calculator can help provide a tailored estimate of your potential car insurance costs in the Lone Star State.

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Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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46
years of industry expertise
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122
carriers reviewed
Location
20.7K
ZIP codes examined
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1.2M
quotes analyzed
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Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. After graduating with a B.A. in English, she initially pursued a career in book publishing. Now, she’s focused switching gears from professional reader to professional writer.

Edited by Editor, Insurance