- Best car insurance company in Texas: Texas Farm Bureau
- Cheapest car insurance in Texas (state minimum and full coverage): Texas Farm Bureau
- Cheapest auto insurance in Texas for drivers with an at-fault accident: State Farm
- Cheapest Texas car insurance company for a driver with a speeding ticket: Nationwide
- Cheapest Texas car insurance company for teen drivers: Nationwide
- Cheapest car insurance in Texas for drivers with bad credit: Nationwide
- Minimum car insurance requirements for Texas drivers
- What are the cheapest car insurance companies for minimum liability coverage in Texas?
- Buying car insurance in Texas: How to know what coverage you need
- Comparing auto insurance quotes in Texas
- Compare auto insurance rates by city in Texas
- Car insurance premium trends in Texas
- Methodology
- Compare Texas car insurance rates with other states
Best car insurance company in Texas: Texas Farm Bureau
Texas Farm Bureau is the best car insurance company in Texas, based on our data analysis with an overall rating of 4.67.
Among the other top-rated companies are GEICO, State Farm and Nationwide
We calculated the overall score for each company based on rates, National Association of Insurance Commissioners (NAIC) complaint ratio, J.D. Power's annual survey and AM Best financial strength ratings. Here's how top companies ranked.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Texas Farm Bureau | B++ | 686 | 0.16 | $1,301 | 4.67 |
| GEICO | A++ | 653 | 0.69 | $1,644 | 4.26 |
| State Farm | A++ | 654 | 0.79 | $1,956 | 4.11 |
| Nationwide | A | 639 | 0.63 | $1,502 | 4.02 |
| Auto Club Enterprises (AAA) | A+ | 662 | 1.16 | $1,983 | 3.92 |
| Allstate | A+ | 646 | 1.1 | $2,941 | 3.44 |
| Progressive | A+ | 616 | 0.71 | $3,032 | 3.28 |
| Farmers | A | 624 | 0.86 | $4,127 | 2.82 |
| USAA | A++ | 710 | 1.18 | $1,812 | 4.32 |
Cheapest car insurance in Texas (state minimum and full coverage): Texas Farm Bureau
Texas Farm Bureau offers the cheapest full coverage car insurance in Texas, with an average annual rate of $1,301.
Texas Farm Bureau is also the cheapest company for state minimum coverage, with an average annual rate of $363.
Comparison shopping is the key when it comes to finding the best deal on auto insurance. We've gathered quotes from all the major insurance providers and compiled a list of the most affordable 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 |
| 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 |
| USAA | $446 | $602 | $1,812 |
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Texas
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Progreso | $2,522 | $210 |
| Balch Springs | $2,514 | $210 |
| Garciasville | $2,492 | $208 |
| Alief | $2,490 | $207 |
| Jacinto City | $2,462 | $205 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Troy | $1,791 | $149 |
| Pendleton | $1,817 | $151 |
| Dinero | $1,822 | $152 |
| Holland | $1,842 | $153 |
| Hewitt | $1,845 | $154 |
Cheapest auto insurance in Texas for drivers with an at-fault accident: State Farm
State Farm offers the cheapest rate for drivers with one at-fault accident at $2,270 per year. This is $314 more than State Farm's rates for a driver with a clean record.
Review the increase in rates across companies after an at-fault property damage accident below.
| Company | Rate with a clean record | Rate with one at-fault accident | $ difference |
|---|---|---|---|
| State Farm | $1,956 | $2,270 | $314 |
| GEICO | $1,644 | $2,565 | $921 |
| Nationwide | $1,502 | $2,575 | $1,073 |
| USAA | $1,812 | $2,889 | $1,077 |
| Auto Club Enterprises (AAA) | $1,983 | $3,238 | $1,255 |
| Allstate | $2,941 | $4,638 | $1,697 |
| Progressive | $3,032 | $4,742 | $1,710 |
| Farmers | $4,127 | $8,129 | $4,002 |
The Texas Department of Insurance says...
Texas law requires insurance companies to charge rates that are fair, reasonable, and adequate for the risks they cover. We don't approve rates in advance, but if we find that an insurance company's rates are too high, we can require it to pay refunds to the people it overcharged. Insurance companies may appeal our decisions.
- The Texas Department of InsuranceCheapest Texas car insurance company for a driver with a speeding ticket: Nationwide
Nationwide offers the cheapest car insurance rates after a speeding ticket, at $1,832 per year.
While a speeding ticket will increase your rates, it won’t cost you nearly as much as an accident. Here are the cheapest companies for car insurance with a speeding ticket in Texas
| Company | Average rate with one speeding ticket |
|---|---|
| State Farm | $1,956 |
| GEICO | $2,559 |
| Nationwide | $1,832 |
| USAA | $2,052 |
| Auto Club Enterprises (AAA) | $2,938 |
| Allstate | $2,941 |
| Progressive | $4,103 |
| Farmers | $5,232 |
Cheapest Texas car insurance company for teen drivers: Nationwide
In Texas, Nationwide offers the lowest rates for a teen driver on a parent’s policy, at $2,050 per year for female teens and $2,250 per year for male teens.
Compare the rate increases across companies after adding a teen driver to a parent's policy below.
| Company | Parent rate without a teen driver | Rate with a female teen driver | Rate with a male teen driver |
|---|---|---|---|
| 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.
Select your age group and age below to see the insurance company and its Compare car insurance rates by age
average annual and average monthly premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates.USAA $4,727 $394 GEICO $4,881 $407 State Farm $5,875 $490 Nationwide $5,984 $499 Allstate $6,769 $564 Progressive $15,483 $1,290
Cheapest car insurance in Texas for drivers with bad credit: Nationwide
The cheapest company for a driver with poor credit in Texas is Nationwide at $1,986 a year. That's 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 families
Minimum car insurance requirements for Texas drivers
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
Texas state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $567 annually or $47 monthly.
What are the cheapest car insurance companies for minimum liability coverage in Texas?
Texas Farm Bureau provides the cheapest state minimum liability insurance, averaging $386 annually or $32 monthly.
Below, you'll find a list of the most affordable car insurance companies in Texas for a state minimum policy.
| Company | Average rate for state minimum insurance, annual | Average rate for state minimum insurance, monthly |
|---|---|---|
| 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
Buying car insurance in Texas: How to know what coverage you need
The minimum required by law is 30/60/25, but you may need additional coverage. You should know that:
- 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.
- State-required liability coverage doesn't cover damage to your car. For that, you need comprehensive and collision coverage, which are optional unless you have a loan or lease on your car.
Comparing auto insurance quotes in Texas
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 vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Texas will impact what you pay. Below, we've gathered Texas car insurance rates by city for comparison.
| 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 |
Car insurance premium trends in Texas
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Texas to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned Quadrant Information Services to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
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.
Compare Texas car insurance rates with other states
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