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Best car insurance in Texas for 2023

Updated Feb 06, 2023
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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 because of their coverage options, 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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Texas region)
843
/1,000
Average monthly full coverage premium
$124
Average annual full coverage premium
$1,494
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Texas region)
885
/1,000
Average monthly full coverage premium
$146
Average annual full coverage premium
$1,747
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Texas region)
851
/1,000
Average monthly full coverage premium
$114
Average annual full coverage premium
$1,373
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Texas region)
Not rated
Average monthly full coverage premium
$144
Average annual full coverage premium
$1,733
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Texas region)
832
/1,000
Average monthly full coverage premium
$241
Average annual full coverage premium
$2,894
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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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Texas region)
843
/1,000
Average monthly minimum coverage premium
$35
Average annual minimum coverage premium
$420
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Texas region)
885
/1,000
Average monthly minimum coverage premium
$42
Average annual minimum coverage premium
$499
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Texas region)
851
/1,000
Average monthly minimum coverage premium
$38
Average annual minimum coverage premium
$455
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Texas region)
Not rated
Average monthly minimum coverage premium
$53
Average annual minimum coverage premium
$636
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Texas region)
832
/1,000
Average monthly minimum coverage premium
$46
Average annual minimum coverage premium
$555
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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

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.

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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.

Best for digital policy management

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 843 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, pricing, coverage options and 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 discounts for airbags, anti-theft devices, accident-free drivers, military members and multiple policies.

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.

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: 885 AM Best: A++

Average annual premium

$ 1,747 for full coverage
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Why USAA made our list: USAA earns the highest score in the 2022 J.D. Power study, 885 out of 1,000. USAA auto insurance may be an exceptional option for those who qualify for coverage. It has the second-highest Bankrate Score on our list for its strong customer service, wide range of coverage options, financial strength and attractive average rates. Policyholders can pair standard coverage with optional endorsements like accident forgiveness or car replacement assistance to create a policy that suits your unique needs.

Who USAA may be good for: To qualify for auto insurance or other USAA products, you must be a member of the U.S. military, a veteran or the spouse or child of a qualified member.

Read full USAA Insurance review

Best for bundling with multiple policies

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 851 AM Best: A++

Average annual premium

$ 1,373 for full coverage
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Why State Farm made our list: State Farm claims second place in the 2022 J.D. Power survey 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 insurance costs 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.

Read full State Farm Insurance review

Best for variety of optional coverage selections

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: Nationwide might be a good choice for automobile owners who expect exemplary customer service. According to the National Association of Insurance Commissioners (NAIC), Nationwide had a complaint index of 0.39 for its private passenger auto product, which is well below the national baseline of 1.0.

Read full Nationwide Insurance review

Best for discount opportunities

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 832 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 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, making it a great choice for motorists who prefer the personal touch of a dedicated agent.

Read full Allstate Insurance review

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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.

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 $565 per year for minimum coverage and $2,019 for full coverage car insurance in Texas. 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. Louisiana is one of the most expensive states for car insurance in the U.S.

Average annual premium for minimum coverage in Texas Average annual premium for full coverage in Texas
$565 $2,019

How to find the best car insurance in Texas

Car insurance is required for Texas drivers by state law. If you are found to be driving without insurance you may be subject to fines and other penalties. It is worth taking the time to survey the market before you purchase a policy so that you can be sure you are paying the best price for the most robust coverage. Here are some of the steps you should consider before you choose the policy that is right for you:

Consider minimum insurance requirements in Texas

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

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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