- Best car insurance companies in Texas: Geico
- Cheapest car insurance in Texas: Texas Farm Bureau
- Cheapest auto insurance in Texas for drivers with an at-fault accident: State Farm
- Cheapest Texas car insurance rates with a speeding ticket: Nationwide
- Texas car insurance rates for teen drivers: Nationwide
- Cheapest car insurance in Texas for bad credit: Nationwide
- Minimum car insurance requirements in Texas
- Cheapest car insurance companies for minimum liability coverage in Texas
- How much car insurance do you need in Texas?
- Compare Texas auto insurance quotes
- Compare auto insurance rates by city in Texas
- Methodology
- Compare auto insurance rates with other states
Best car insurance companies in Texas: Geico
Geico is the best car insurance company in Texas, based on an analysis by Insurance.com, with an overall rating of 3.66. State Farm, Texas Farm Bureau, Nationwide, and Allstate are among the other top car insurance companies in Texas based on price, NAIC complaint ratio, J.D.Power, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Insurance.com score | Average annual premium |
|---|---|---|---|---|---|
| Geico | A++ | 839 | 0.91 | 3.66 | $1,644 |
| State Farm | A++ | 816 | 0.7 | 3.59 | $1,956 |
| Texas Farm Bureau | A- | 813 | 0.14 | 3.47 | $1,301 |
| Nationwide | A+ | 810 | 0.64 | 3.44 | $1,502 |
| Allstate | A+ | 790 | 0.65 | 3.02 | $2,941 |
| Progressive | A+ | 801 | 0.65 | 2.98 | $3,032 |
| Auto Club Enterprises (AAA) | A+ | 813 | 2.21 | 2.9 | $1,983 |
| Farmers | A | 809 | 0.8 | 2.62 | $4,127 |
Cheapest car insurance in Texas: Texas Farm Bureau
Based on a rate analysis by Insurance.com, Texas Farm Bureau offers the cheapest full coverage car insurance in Texas, with an average annual rate of $1,301.
Texas Farm Bureau is the cheapest company for state minimum liability, with an average annual rate of $363. At $462 annually, the Texas Farm Bureau also offers the cheapest liability-only car insurance in Texas.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers and put together a list of the cheapest car insurance companies in Texas.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Texas Farm Bureau | $363 | $462 | $1,301 |
| Nationwide | $596 | $748 | $1,502 |
| Geico | $445 | $650 | $1,644 |
| Redpoint County Mutual | $656 | $905 | $1,681 |
| USAA | $446 | $602 | $1,812 |
| State Farm | $419 | $624 | $1,956 |
| Auto Club Enterprises (AAA) | $564 | $825 | $1,983 |
| Allstate | $560 | $843 | $2,941 |
| Progressive | $665 | $977 | $3,032 |
| Farmers | $1,122 | $1,543 | $4,127 |
Cheapest auto insurance in Texas for drivers with an at-fault accident: State Farm
If you have an accident on your record, you can expect your insurance rate to increase. Based on the recent data analysis by Insurance.com, State Farm offers the cheapest rate for drivers with 1 at-fault accident at $1,642 per year. This is $278 more than the rates for a driver with a clean record.
Look at the increase in rates across companies after an at-fault property damage accident below.
| Company | Clean record | 1 at-fault accident | $ increase | % increase |
|---|---|---|---|---|
| State Farm | $1,364 | $1,642 | $278 | 20% |
| Nationwide | $1,295 | $2,085 | $790 | 61% |
| Geico | $1,548 | $2,441 | $893 | 58% |
| Auto Club Enterprises (AAA) | $1,614 | $2,641 | $1,027 | 64% |
| USAA | $1,682 | $2,670 | $988 | 59% |
| Progressive | $2,001 | $3,236 | $1,234 | 62% |
| Mercury Insurance | $2,119 | $4,031 | $1,912 | 90% |
| Farmers | $2,645 | $4,926 | $2,281 | 86% |
| Allstate | $3,564 | $5,613 | $2,049 | 58% |
Cheapest Texas car insurance rates with a speeding ticket: Nationwide
While a speeding ticket will increase your rates, it won’t cost you nearly as much as an accident. Our analysis found that Nationwide offers the cheapest car insurance rates after a speeding ticket, at $1,664 per year. This is $369 more than the rates for a driver with a clean record.
Here are the cheapest companies for car insurance with a speeding ticket in Texas
| Company | Clean record | 1 speeding ticket | $ increase | % increase |
|---|---|---|---|---|
| Nationwide | $1,295 | $1,664 | $369 | 28% |
| USAA | $1,682 | $1,903 | $221 | 13% |
| Auto Club Enterprises (AAA) | $1,614 | $2,393 | $779 | 48% |
| Geico | $1,548 | $2,429 | $881 | 57% |
| Progressive | $2,001 | $2,656 | $655 | 33% |
| Mercury Insurance | $2,119 | $2,896 | $777 | 37% |
| Farmers | $2,645 | $3,690 | $1,045 | 40% |
Texas car insurance rates for teen drivers: Nationwide
Adding a teen driver to your car insurance is expensive, so shopping around for the best rates is necessary. In Texas, Nationwide has the lowest rates for a teen driver on a parent’s policy for both female and male teens at $2,050 per year and $2,250 per year, respectively.
Look at the increase in rates across companies after adding a male or female teen driver to a parent's policy below.
| Company | Parent policy | Female teen | Male teen |
|---|---|---|---|
| Nationwide | $1,322 | $2,050 | $2,250 |
| State Farm | $1,364 | $2,347 | $2,644 |
| Geico | $1,539 | $2,956 | $3,079 |
| USAA | $1,512 | $3,157 | $3,399 |
| Auto Club Enterprises (AAA) | $1,575 | $3,677 | $3,300 |
| Progressive | $1,838 | $3,970 | $4,410 |
| Mercury Insurance | $1,846 | $4,780 | $6,018 |
| Farmers | $2,473 | $5,159 | $5,349 |
| Allstate | $3,202 | $5,869 | $6,999 |
Note: The above teen rates are for when teen is added to their parent's policy
Cheapest car insurance in Texas for bad credit: Nationwide
Few things will increase your car insurance rates as much as bad credit. In Texas, it’s legal for insurance companies to use your credit history when calculating rates. The cheapest company for a driver with poor credit in Texas is Nationwide at $1,986 a year. It is a 53% increase in rates with Nationwide for Texas drivers with poor credit. Farmers have the smallest increase for poor credit at only 19%, but base rates start higher.
| Company | Good credit | Poor credit | $ increase | % increase |
|---|---|---|---|---|
| Nationwide | $1,295 | $1,986 | $691 | 53% |
| Auto Club Enterprises (AAA) | $1,614 | $2,507 | $893 | 55% |
| State Farm | $1,364 | $2,846 | $1,482 | 109% |
| Mercury Insurance | $2,119 | $2,981 | $863 | 41% |
| USAA* | $1,682 | $3,080 | $1,398 | 83% |
| Farmers | $2,645 | $3,141 | $496 | 19% |
| Progressive | $2,001 | $3,577 | $1,576 | 79% |
| Geico | $1,548 | $4,173 | $2,625 | 170% |
| Allstate | $3,564 | $5,673 | $2,109 | 59% |
*USAA offers coverage only to military veterans and their family
Minimum car insurance requirements in Texas
In Texas, you need a minimum of 30/60/25 liability car insurance coverage. Ohio’s state minimum liability insurance costs an average of $567 annually or $47 monthly.
Cheapest car insurance companies for minimum liability coverage in Texas
According to Insurance.com data, the Texas Farm Bureau provides the cheapest state minimum liability insurance, averaging $386 annually or $32 monthly.
Below is the list of Texsa's most affordable car insurance companies with their state minimum coverage rates.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Texas Farm Bureau | $386 | $32 |
| State Farm | $419 | $35 |
| Geico | $435 | $36 |
| USAA* | $443 | $37 |
| Allstate | $560 | $47 |
| Auto Club Enterprises (AAA) | $564 | $47 |
| Nationwide | $593 | $49 |
| Redpoint County Mutual | $656 | $55 |
| Progressive | $658 | $55 |
| Farmers | $1,134 | $94 |
*USAA offers coverage only to military veterans and their family
How much car insurance do you need in Texas?
When you shop for car insurance, first determine what level of coverage suits your needs. The minimum car insurance coverage in Texas is 30/60/25, which means:
- $30,000 for each injured person per accident
- Up to a total of $60,000 per accident
- $25,000 for property damage per accident
However, state minimum requirements are typically too low to provide sufficient coverage. Even minor accidents can cause damage, resulting in repairs and medical bills that exceed these levels, leaving you to pay the difference. Higher limits are recommended.
Also, state-required liability coverage does not cover damage to your car. For that, you need the optional coverages of comprehensive and collision.
Compare Texas auto insurance quotes
To find the best price on car insurance in Texas for your needs, request quotes from three to five different companies. Make sure you use the same coverage levels for every quote.
In addition to comparing quotes, be sure you’re getting the best deal by doing the following:
- Check to see which car insurance discounts apply to you.
- Raise your deductible to get lower rates.
- Bundle auto coverage with your home or renters’ insurance policy for a discount
- Keep a clean driving record to earn a discount.
Compare auto insurance rates by city in Texas
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Texas.
| City | Annual insurance premium |
|---|---|
Beaumont | $2,149 |
Bishop | $1,925 |
Bowie | $1,831 |
Crystal City | $1,950 |
Dallas | $2,278 |
Higgins | $2,004 |
San Antonio | $2,181 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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