Best car insurance in Texas for 2023

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.

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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.

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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.

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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.

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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