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Best car insurance in Texas for 2024

Updated May 01, 2024
Geico, State Farm and Allstate offer some of the best car insurance policies in the Lone Star State, according to Bankrate’s research.
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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.

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

The average annual cost of car insurance in Texas is $2,445 for full coverage and $695 for state-mandated minimum insurance. Your own rates are likely to vary from these averages based on a number of factors unique to you, including your vehicle type, claim history and age. The best car insurance companies in Texas have affordable rates, but also stand out in other areas, such as their customer satisfaction scores, as determined by J.D. Power's 2023 U.S. Auto Insurance Study.

Bankrate developed the Bankrate Scoring system to help you make the best choice for your insurance. These scores, out of 5 points, are based on average cost data from Quadrant Information Services, customer satisfaction scores, financial strength ratings, digital tools and other factors. The companies that earned the highest Bankrate Scores in Texas are Geico, USAA, State Farm, Nationwide and Allstate.

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,687
$458
4.2
Rating: 4.2 stars out of 5
$1,896
$522
4.3
Rating: 4.3 stars out of 5
$1,868
$500
4.0
Rating: 4 stars out of 5
N/A
N/A
3.9
Rating: 3.9 stars out of 5
$2,618
$715

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$141/mo

Avg. full coverage premium

$1,687/yr

Customer satisfaction

801/1,000

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$158/mo

Avg. full coverage premium

$1,896/yr

Customer satisfaction

860/1,000

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$156/mo

Avg. full coverage premium

$1,868/yr

Customer satisfaction

838/1,000

Nationwide

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

Not rated

Allstate

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$218/mo

Avg. full coverage premium

$2,618/yr

Customer satisfaction

809/1,000

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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.

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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

34.5K

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.

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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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 much is car insurance in Texas?

Drivers pay an average of $695 per year for minimum coverage and $2,445 for full coverage car insurance in Texas. To compare, the national average premiums for car insurance are $637 per year for minimum coverage and $2,299 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 $3,625 and $2,945 per year, respectively.