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. Geico, State Farm, Texas Farm Bureau, Nationwide, and Allstate are among the 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.

Best car insurance in Texas
CompanyAM BestJD PowerNAICInsurance.com scoreAverage annual premium
GeicoA++8390.913.66$1,644
State FarmA++8160.73.59$1,956
Texas Farm BureauA-8130.143.47$1,301
NationwideA+8100.643.44$1,502
AllstateA+7900.653.02$2,941
ProgressiveA+8010.652.98$3,032
Auto Club Enterprises (AAA)A+8132.212.9$1,983
FarmersA8090.82.62$4,127

Data refreshed as of Apr 2024
Read our full methodology

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.

Cheapest car insurance in Texas
CompanyState minimum liability50/100/50 liability100/300/100 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

Data refreshed as of Apr 2024
Read our full methodology

Cheapest auto insurance in Texas for drivers with accidents

If you have an accident on your record, you can expect your insurance rate to increase. Based on the rates listed below, the average increase after an accident is 62%.

However, at State Farm, it’s only 20%, so unsurprisingly, State Farm is the cheapest insurance company for Texas drivers involved in an accident. Look at the increase in rates across companies after an at-fault property damage accident below.

CompanyClean record1 at-fault accident$ increase% increase
State Farm$1,364$1,642$27820%
Nationwide$1,295$2,085$79061%
Geico$1,548$2,441$89358%
Auto Club Enterprises (AAA)$1,614$2,641$1,02764%
USAA$1,682$2,670$98859%
Progressive$2,001$3,236$1,23462%
Mercury Insurance$2,119$4,031$1,91290%
Farmers$2,645$4,926$2,28186%
Allstate$3,564$5,613$2,04958%

Data refreshed as of Apr 2024
Read our full methodology

Cheapest Texas car insurance rates with a speeding ticket

While a speeding ticket will increase your rates, it won’t cost you nearly as much as an accident. The average increase in Texas for a driver with a speeding ticket is 27%, based on the company rates below. Our analysis found that Nationwide and USAA offer cheaper rates after a speeding ticket, with an average annual cost of $1,664 and $1,903, respectively.

Here are the cheapest companies for car insurance with a speeding ticket in Texas:

CompanyClean record1 speeding ticket$ increase% increase
Nationwide$1,295$1,664$36928%
USAA$1,682$1,903$22113%
Auto Club Enterprises (AAA)$1,614$2,393$77948%
Geico$1,548$2,429$88157%
Progressive$2,001$2,656$65533%
Mercury Insurance$2,119$2,896$77737%
Farmers$2,645$3,690$1,04540%

Data refreshed as of Apr 2024
Read our full methodology

Texas car insurance rates for teen drivers

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, whether that teen is male or female.

CompanyParent policyFemale teenMale 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 are added to their Parents Policy

Data refreshed as of Apr 2024
Read our full methodology

Cheapest car insurance in Texas for bad credit

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. On average, based on the rates below, a driver with poor credit pays 74% more than a driver with good credit.

The cheapest company for a driver with poor credit in Texas is Nationwide at $1,986 a year. Farmers have the smallest increase for poor credit at only 19%, but base rates start higher.

CompanyGood creditPoor credit$ increase% increase
Nationwide$1,295$1,986$69153%
Auto Club Enterprises (AAA)$1,614$2,507$89355%
State Farm$1,364$2,846$1,482109%
Mercury Insurance$2,119$2,981$86341%
USAA$1,682$3,080$1,39883%
Farmers$2,645$3,141$49619%
Progressive$2,001$3,577$1,57679%
Geico$1,548$4,173$2,625170%
Allstate$3,564$5,673$2,10959%

Data refreshed as of Apr 2024
Read our full methodology

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.

State minimum auto insurance coverage in Texas, TX
Company Liability insurance premiumMonthly 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

Data refreshed as of Apr 2024
Read our full methodology

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.

CityAnnual 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

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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