Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

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 car insurance in Texas for 2022

Updated Dec 05, 2022
Compare car insurance rates
Answer a few questions to discover real rates from top-tier carriers in your area.
Location-Icon Created with Sketch.
Lock Secure Your information is secure
Select from a variety of trusted carriers
+ MORE
User
Tell us a little about yourself
We’ll only ask for info we’re confident will impact your rate. That way, we can provide you with the most accurate and personalized offers.
Insurance Auto
Choose which policy is best for you
Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you’d like.
Congrats
Lock in your rate and policy details
Once you’re confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that’s it!
Bankrate logo The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our 

Compare rates and save on auto insurance today!

Close X

Best car insurance companies in Texas

On average, Texans pay an annual auto insurance premium of $1,868 for full coverage and $551 for minimum coverage. USAA, Geico, State Farm, Nationwide and Allstate stand out in Texas because of their customer service, average rates — gathered by Quadrant Information Services — and overall customer satisfaction, according to the 2022 J.D. Power U.S. Auto Insurance Study. Bankrate’s insurance editorial team 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, where a higher score indicates stronger ratings in these areas.

USAA
Rating: 5 stars out of 5
5.0
Bankrate Score
Info Hover for more
J.D. Power score (Texas region)
885
/1,000
Average monthly full coverage premium
$128
Average annual full coverage premium
$1,531
Geico
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (Texas region)
843
/1,000
Average monthly full coverage premium
$116
Average annual full coverage premium
$1,389
State Farm
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (Texas region)
851
/1,000
Average monthly full coverage premium
$110
Average annual full coverage premium
$1,314
Nationwide
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info Hover for more
J.D. Power score (Texas region)
Not rated
Average monthly full coverage premium
$140
Average annual full coverage premium
$1,685
Allstate
Rating: 4 stars out of 5
4.0
Bankrate Score
Info Hover for more
J.D. Power score (Texas region)
832
/1,000
Average monthly full coverage premium
$215
Average annual full coverage premium
$2,578
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
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.

USAA
Rating: 5 stars out of 5
5.0
Bankrate Score
Info Hover for more
J.D. Power score (Texas region)
885
/1,000
Average monthly minimum coverage premium
$39
Average annual minimum coverage premium
$469
Geico
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (Texas region)
843
/1,000
Average monthly minimum coverage premium
$34
Average annual minimum coverage premium
$407
State Farm
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (Texas region)
851
/1,000
Average monthly minimum coverage premium
$37
Average annual minimum coverage premium
$440
Nationwide
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info Hover for more
J.D. Power score (Texas region)
Not rated
Average monthly minimum coverage premium
$52
Average annual minimum coverage premium
$618
Allstate
Rating: 4 stars out of 5
4.0
Bankrate Score
Info Hover for more
J.D. Power score (Texas region)
832
/1,000
Average monthly minimum coverage premium
$46
Average annual minimum coverage premium
$548
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
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.

USAA not officially ranked with J.D. Power due to eligibility restrictions

BEST CAR INSURANCE COMPANY FOR INDIVIDUALS SEEKING MILITARY-RELATED COVERAGE AND DISCOUNTS

J.D. Power:
885 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 469
Avg annual premium for full coverage:
$ 1,531
Get a personalized quote

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

Best car insurance company for digital policy management

J.D. Power:
843 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 407
Avg annual premium for full coverage:
$ 1,389
Get a personalized quote

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

Best car insurance company for bundling with multiple policies

J.D. Power:
851 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 440
Avg annual premium for full coverage:
$ 1,314
Get a personalized quote

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

Best car insurance company for variety of optional coverage selections

J.D. Power:
Not rated
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 618
Avg annual premium for full coverage:
$ 1,685
Get a personalized quote

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

Best car insurance company for discount opportunities

J.D. Power:
832 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 548
Avg annual premium for full coverage:
$ 2,578
Get a personalized quote

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

Auto Car Guides

Looking to save money on auto insurance?

ADVERTISEMENT
People with dog on back of truck
Progressive logo
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
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.

How Bankrate chose the best car insurance companies in Texas

To find the best car insurance companies in Texas, rates provided by Quadrant Information Services were analyzed to see what drivers in Texas are paying for car insurance coverage on average. While rates are important, other factors are likely important, too. Looking at other metrics may help a driver select the best company all around, and not simply for the cheapest rates.

To help drivers in their search, Bankrate employed a five-point scale, further evaluating each insurer’s coverage options, discounts and third-party ratings to assign a Bankrate Score to each carrier (based on a 5-point scale) so drivers can quickly assess what each carrier is offering. We also considered each provider’s affordability, availability 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 manage their policies and submit and track claims.

How much is car insurance in Texas?

Drivers pay an average of $551 per year for minimum coverage and $1,868 for full coverage car insurance in Texas. The national average premiums for car insurance are $545 per year for minimum coverage and $1,771 per year for full coverage. The higher-than-average costs could be attributed to numerous factors, including higher traffic in cities such as Dallas and Houston and an increase in population. However, on average, Texans pay much lower average full coverage auto insurance rates than drivers in nearby Louisiana and Colorado.

Average annual premium for minimum coverage in Texas Average annual premium for full coverage in Texas
$551 $1,868

How to find the best car insurance in Texas

With such a wide variety of insurance companies, coverage options and discounts, shopping for car insurance can feel overwhelming. But it is important to survey the market before buying a policy, otherwise you may end up with inadequate coverage or an exorbitant rate. Luckily, there are some steps you can start with to make the process easier, including:

Consider minimum insurance requirements in Texas

Texas law requires all drivers to carry certain minimum levels of auto insurance coverages, including:

  • $30,000 in bodily injury liability coverage per person
  • $60,000 in bodily injury liability coverage per accident
  • $25,000 in property damage liability per accident

Texas auto insurers must also offer uninsured motorist coverage, underinsured motorist coverage and personal injury protection (PIP), although these options can be declined in writing. Bear in mind that the state-required minimum coverages might not provide adequate protection. To protect your assets, you may need to buy higher levels of liability coverages, along with optional protections such as uninsured and underinsured motorist coverages.

Consider lender requirements

Although drivers in Texas are required to carry at least a minimum amount of liability insurance, you may have additional requirements if your car has a loan or lease. In this situation, your financial institution may also require you to purchase collision and comprehensive coverage. This ensures that your vehicle is covered if it is stolen or totaled in a covered accident.

Consider your individual needs

Every driver is different, which means that everyone’s insurance needs are unique. The first step to finding the best car insurance in Texas is to decide what factors matter most to you. For example, if you have a newer car, you may want to search for a company that offers features like new car replacement and gap coverage, if you have a loan or lease. Or, if you have young drivers in your family, you might need an insurer that offers student discounts. If you like to handle your insurance yourself, a company that has a strong online presence or highly-rated mobile app may be a good fit.

Frequently asked questions

Written by
Lizzie Nealon
Insurance Contributor

Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future.

Edited by Insurance Editor