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Best car insurance in Texas for 2022

Updated Dec 02, 2022
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Drivers in Texas have a vast amount of choices for car insurance, but with so many options available, finding the best car insurance for your unique needs may be a challenge. Choosing the right car insurance company for your circumstances may depend on many factors, from ensuring the right coverage is in place to finding the best discounts and most competitive rates. Bankrate is here to help drivers cut through the confusion and find the carrier that most aligns with their driving needs.

Auto Insurance
Key takeaways
  • USAA, Geico and State Farm stand out as top insurers in Texas based on rates and coverage options.
  • Drivers in Texas pay an average of $551 per year for minimum coverage and $1,868 per year for full coverage car insurance in Texas.
  • Average full coverage rates in Texas are on par with rates in Arkansas, but around 35 percent lower than Louisiana.

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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 further reviewed 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.

Best car insurance companies in Texas

USAA, Geico and State Farm 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
Average annual full coverage premium
$1,531
J.D. Power customer satisfaction score (Texas)
885
/1,000
Geico
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
Average annual full coverage premium
$1,389
J.D. Power customer satisfaction score (Texas)
843
/1,000
State Farm
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
Average annual full coverage premium
$1,314
J.D. Power customer satisfaction score (Texas)
851
/1,000
Nationwide
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info Hover for more
Average annual full coverage premium
$1,685
J.D. Power customer satisfaction score (Texas)
Not rated
Allstate
Rating: 4 stars out of 5
4.0
Bankrate Score
Info Hover for more
Average annual full coverage premium
$2,578
J.D. Power customer satisfaction score (Texas)
832
/1,000
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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.

*Not officially ranked with J.D. Power due to eligibility restrictions

Best car insurance company for military-tailored coverage

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.

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Bankrate Insight

The Lone Star State has the second-highest number of licensed drivers in the country, nearly 17.9 million, according to the Federal Highway Administration. The 2019 Texas traffic statistics provided by the Texas Department of Transportation estimate:

  • 15,843 people sustained serious injuries
  • 3,610 people died in traffic accidents
  • Motorists racked up just over 286 billion miles
  • Drivers reported crashes every 56 seconds
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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.

Average car insurance cost 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. This means that Texans pay slightly lower than the national annual average for minimum coverage but a bit more annually 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.

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

Drivers looking for cheap car insurance in Texas may want to consider obtaining quotes from several providers to compare premiums, coverage options, discounts and other factors such as financial strength and customer service scores.

State minimum insurance requirements in Texas

Like most states, Texas does have laws regarding the minimum limits of certain car insurance coverage offerings that drivers must have. Texas currently requires a minimum liability coverage of 30/60/25, or:

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

Texas drivers must also be offered personal injury protection and uninsured/underinsured motorist coverage when they request a car insurance quote. If you decide not to purchase these coverage types, you must decline them in writing.

Remember, these are the minimum coverage requirements but most insurance experts recommend that you purchase higher liability limits or even full coverage, like comprehensive and collision coverage, if you are able to. If you choose to carry only state minimum limits and you get into an accident that exceeds those limits, you will likely have to pay out-of-pocket for anything over your coverage.

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. Luckily, there are some steps you can start with to make the process easier, including:

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 insured in the event of 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. 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.

Car insurance discounts in Texas

Although full coverage car insurance in Texas is more expensive than the national average, there are ways you can save money on car insurance rates. Most insurance companies offer discounts that can lower your premium. Although car insurance discounts vary by carriers, some common options in Texas are:

  • Multi-policy discounts: These are some of the biggest savings opportunities that companies offer. If you bundle your auto insurance with your home, condo or renters insurance, you could see a significant drop in the price of both policies. Some companies also offer this discount for other product lines, like boat or RV insurance.
  • Telematics discounts: Some companies offer programs that track your driving habits with a mobile app or plug-in device. Based on the data received, you may earn a personalized discount. These programs can save you money and help you identify how to drive more carefully in order to maintain a clean driving record.
  • Student discounts: Young drivers face some of the highest car insurance rates because they have less years of driving experience compared to adults with longer driving histories. If you have a teen or college-age driver on your policy, you may be able to take advantage of a good student discount, driver training discount or distant student discount to lower your premium.
  • Other discounts: Paying your premium in full could save you money, as could signing up for automatic payments. Some companies also offer a discount for signing up for paperless billing statements. Additionally, if your car comes equipped with safety features such as anti-theft devices and anti-lock brakes, you may qualify for a safe car discount that lowers your premium.

Although many companies feature their discounts online, savings opportunities can vary by your location. Because Texas is such a big state, it may be better to talk to a company representative about ways you can save on your insurance policies.

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