Best car insurance in Texas: Geico 

Geico is the best car insurance company in Texas, based on an analysis by, 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 score is calculated out of five using these factors.

Best car insurance companies in Texas
CompanyAM BestJD scoreAverage annual premium
State FarmA++8160.73.59$1,956
Texas Farm BureauA-8130.143.47$1,301
Auto Club Enterprises (AAA)A+8132.212.9$1,983

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance in Texas: Texas Farm Bureau

Based on a rate analysis by, 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
Redpoint County Mutual$656$905$1,681
State Farm$419$624$1,956
Auto Club Enterprises (AAA)$564$825$1,983

Data refreshed as of May 2024
Read our full methodology

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, 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.

Texas auto insurance in Texas for drivers with an at-fault accident
CompanyClean recordAt-fault accident$ Difference
State Farm$1,956$2,270$314
Auto Club Enterprises (AAA)$1,983$3,238$1,255

Data refreshed as of May 2024
Read our full methodology

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 adriver with a clean record.

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

Texas car insurance for the drivers with a speeding ticket
CompanySpeeding Ticket
State Farm$1,956
Auto Club Enterprises (AAA)$2,938

Data refreshed as of May 2024
Read our full methodology

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.

Car insurance rates for teen drivers
CompanyParent policyFemale teenMale teen
State Farm$1,364$2,347$2,644
Auto Club Enterprises (AAA)$1,575$3,677$3,300
Mercury Insurance$1,846$4,780$6,018
Data refreshed as of May 2024
Read our full methodology

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.

Car insurance rates for drivers with bad credit
CompanyGood creditPoor credit$ increase% increase
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 offers coverage only to military veterans and their family

Data refreshed as of May 2024
Read our full methodology

Texas car insurance requirements

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.

Minimum liability insurance requirements for Texas:

  • Bodily injury liability (BI): $30,000 per person, $60,000 per accident
  • Property damage liability (PD): $25,000 per accident

Cheapest car insurance companies for minimum liability coverage in Texas

According to 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
Auto Club Enterprises (AAA)$564$47
Redpoint County Mutual$656$55

*USAA offers coverage only to military veterans and their family

Data refreshed as of May 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
Crystal City
San Antonio
Data refreshed as of May 2024
Read our full methodology 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: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 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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