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Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Updated Nov 09, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! On This Page
Drivers in Texas have a vast amount of choices for car insurance, but with so many options available, finding the best car insurance for your unique needs may be a challenge. Choosing the right car insurance company for your circumstances may depend on many factors, from ensuring the right coverage is in place to finding the best discounts and most competitive rates. Bankrate is here to help drivers cut through the confusion and find the carrier that most aligns with their driving needs. Key takeaways USAA, Geico and State Farm stand out as top insurers in Texas based on rates and coverage options. Drivers in Texas pay an average of $551 per year for minimum coverage and $1,868 per year for full coverage car insurance in Texas. Average full coverage rates in Texas are on par with rates in Arkansas, but around 35 percent lower than Louisiana. Compare rates and save on auto insurance today! Get quotes Close X How Bankrate chose the best car insurance companies in Texas
To find the best car insurance companies in Texas, rates provided by Quadrant Information Services were analyzed to see what drivers in Texas are paying for car insurance coverage on average. While rates are important, other factors are likely important, too. Looking at other metrics may help a driver select the best company all around, and not simply for the cheapest rates. To help drivers in their search, Bankrate further reviewed coverage options, discounts and third-party ratings to assign a Bankrate Score to each carrier (based on a 5-point scale) so drivers can quickly assess what each carrier is offering.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , NAIC, and Moodys had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.> While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Best car insurance companies in Texas
USAA, Geico and State Farm stand out in Texas because of their customer service, average rates - gathered by Quadrant Information Services - and overall customer satisfaction, according to the . Bankrate's insurance editorial team calculated a Bankrate Score for each provider based on these metrics plus financial strength ratings from AM Best. Each Score is out of 5.0 possible points, where a higher score indicates stronger ratings in these areas. Insurance company Average annual full coverage premium J.D. Power customer satisfaction score (Texas) Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average annual full coverage premium $1,531 J.D. Power customer satisfaction score (Texas) 885 /1,000 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average annual full coverage premium $1,389 J.D. Power customer satisfaction score (Texas) 843 /1,000 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average annual full coverage premium $1,314 J.D. Power customer satisfaction score (Texas) 851 /1,000 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average annual full coverage premium $1,685 J.D. Power customer satisfaction score (Texas) Not rated Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average annual full coverage premium $2,578 J.D. Power customer satisfaction score (Texas) 832 /1,000 Powered by Coverage.com (NPN: 19966249) 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 . 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. *Not officially ranked with J.D. Power due to eligibility restrictions 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. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . 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. 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. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . 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. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview USAA earns the highest score in the 2022 J.D. Power study, although it does not qualify for ranking because it only serves active and retired military members and their eligible families. Nonetheless, USAA auto insurance may be an exceptional option for those who qualify for coverage. USAA did earn the highest Bankrate Score on our list for its strong customer service, wide range of coverage options, financial strength and attractive average rates. Standard coverage might be able to be paired with optional endorsements like accident forgiveness or car replacement assistance to create a policy that suits your unique needs. Read full Pros and cons CheckmarkPros Highly-rated customer service Long list of optional coverages tailored for military needs Close XCons Only available to military members and qualified family members Limited in-person locations Average annual premium by city Texas city Average annual premium for full coverage Average annual premium for minimum coverage Austin, TX $1,457 $462 Dallas, TX $1,639 $518 El Paso, TX $1,546 $459 Houston, TX $1,733 $556 San Antonio, TX $1,541 $506 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Geico's second-place Bankrate Score reflects the company's top-notch customer service, pricing, coverage options and discounts. With Geico, you can easily file a claim online or use its mobile app, which has a for the Apple version and for the Android version. Geico provides several ways for Texas policyholders to potentially on their car insurance, including discounts for airbags, anti-theft devices, accident-free drivers, military members and multiple policies. However, out of all the insurance carriers on this list, Geico scored below the regional average in J.D. Power's study, indicating customers may be less satisfied with the service they received. Read full Pros and cons CheckmarkPros Geico's iOS and Android apps received high ratings from users Extensive list of discounts may help with reducing premiums Close XCons Few in-person locations Limited optional coverages Average annual premium by city Texas city Average annual premium for full coverage Average annual premium for minimum coverage Austin, TX $1,287 $396 Dallas, TX $1,466 $448 El Paso, TX $1,368 $381 Houston, TX $1,541 $475 San Antonio, TX $1,406 $432 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview State Farm claims second place in the 2022 J.D. Power survey, offering Texans a range of standard and optional car insurance coverage types such as emergency road service, car rental and travel expense coverage. Drivers who appreciate digitally filing and tracking claims may value State Farm's simple mobile app. Additionally, if you open a State Farm bank account, you can use the company's multifunctional app to make a deposit, pay bills and transfer funds. Compared to some of the other insurance providers on this list, State Farm's discounts are fairly typical, limiting the number of savings opportunities drivers may have. Read full Pros and cons CheckmarkPros Offers many types of insurance and financial products beyond car insurance Mobile app availability for filing claims Close XCons Shorter list of available discounts compared to other carriers Gap insurance is not an offered optional coverage Average annual premium by city Texas city Average annual premium for full coverage Average annual premium for minimum coverage Austin, TX $1,265 $435 Dallas, TX $1,437 $498 El Paso, TX $1,340 $408 Houston, TX $1,474 $513 San Antonio, TX $1,354 $472 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Nationwide is known for its innovative programs and wide coverage options that may suit diverse budgets and goals. You could also make use of multiple discounts and digital resources to help you manage your policy. According to the National Association of Insurance Commissioners (NAIC), Nationwide had a of 0.39 for its private passenger auto product, which is below the national baseline of 1.0. As a Texan, you could take advantage of features such as "On Your Side" service, Nationwide's free annual insurance consultation that pairs policyholders with a licensed agent to be proactive about adapting your insurance to your needs. Nationwide did not rank in J.D. Power's 2022 Auto Insurance Study for the Texas region, and ranked below average in the agency's 2021 nationwide . Read full Pros and cons CheckmarkPros Vanishing deductible available as an optional coverage selection Low customer complaints as tracked by NAIC's Complaint Index Close XCons Not ranked in regional J.D. Power's 2022 Auto Insurance Study for customer service Lower financial strength rating from AM Best compared to other carriers on this list Average annual premium by city Texas city Average annual premium for full coverage Average annual premium for minimum coverage Austin, TX $1,492 $567 Dallas, TX $1,765 $661 El Paso, TX $1,574 $529 Houston, TX $1,922 $712 San Antonio, TX $1,658 $623 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Allstate's wide market share allows the company to employ over 12,000 agents throughout the country. Allstate's network of agents in Texas may provide excellent customer service by identifying your local needs and giving you a car insurance quote that best fits your budget and goals. Allstate's premiums may be more expensive than the state average, but you could save on your premiums by qualifying for some of the car insurance discounts the company offers including multiple policy, new car and automated payments. Read full Pros and cons CheckmarkPros Extensive network of local agents Many opportunities to save with discounts, including Close XCons Scored below average in J.D. Power's regional 2022 U.S. Auto Insurance Study AM Best financial strength rating is lower than other carriers on this list Average annual premium by city Texas city Average annual premium for full coverage Average annual premium for minimum coverage Austin, TX $2,471 $544 Dallas, TX $2,471 $544 El Paso, TX $2,590 $497 Houston, TX $2,836 $637 San Antonio, TX $2,569 $570 Answer a few questions to see personalized rates from top carriers. Bankrate Insight The Lone Star State has the second-highest number of , nearly 17.9 million, according to the Federal Highway Administration. The 2019 Texas traffic statistics provided by the : 15,843 people sustained serious injuries 3,610 people died in traffic accidents Motorists racked up just over 286 billion miles Drivers reported crashes every 56 seconds Auto Car Guides Looking to save money on auto insurance
Compare rates & save Compare rates & save ADVERTISEMENT Get my free quote Powered by Coverage.com (NPN: 19966249) 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 . 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. Average car insurance cost in Texas
Drivers pay an average of $551 per year for minimum coverage and $1,868 for full coverage car insurance in Texas. The are $545 per year for minimum coverage and $1,771 per year for full coverage. This means that Texans pay slightly lower than the national annual average for minimum coverage but a bit more annually for full coverage. The higher-than-average costs could be attributed to numerous factors, including higher traffic in cities such as Dallas and Houston and an increase in population. Average annual premium for minimum coverage in Texas Average annual premium for full coverage in Texas $551 $1,868
Texas city Average annual premium for full coverage Average annual premium for minimum coverage Arlington $1,900 $570 $1,758 $533 $1,779 $581 $2,038 $619 $1,829 $491 $1,852 $551 $2,106 $652 Laredo $2,022 $529 Plano $1,775 $571 $1,857 $573 Drivers looking for may want to consider obtaining quotes from several providers to compare premiums, coverage options, discounts and other factors such as financial strength and customer service scores. State minimum insurance requirements in Texas
Like most states, Texas does have of certain car insurance coverage offerings that drivers must have. Texas currently requires a of 30/60/25, or: $30,000 for bodily injury liability per person $60,000 for bodily injury liability per accident $25,000 for property damage liability per accident Texas drivers must also be offered when they request a car insurance quote. If you decide not to purchase these coverage types, you must decline them in writing. Remember, these are the but most insurance experts recommend that you purchase higher liability limits or even full coverage, like comprehensive and collision coverage, if you are able to. If you choose to carry only state minimum limits and you get into an accident that exceeds those limits, you will likely have to pay out-of-pocket for anything over your coverage. How to find the best car insurance in Texas
With such a wide variety of insurance companies, coverage options and discounts, shopping for car insurance can feel overwhelming. Luckily, there are some steps you can start with to make the process easier, including: Consider lender requirements
Although drivers in Texas are required to carry at least a minimum amount of liability insurance, you may have additional requirements if your car has a loan or lease. In this situation, your financial institution may also require you to purchase and coverage. This ensures that your vehicle is insured in the event of a covered accident. Consider your individual needs
Every driver is different, which means that everyone’s insurance needs are unique. The first step to finding the in Texas is to decide what factors matter most to you. For example, if you have a newer car, you may want to search for a company that offers features like new car replacement and gap coverage, if you have a loan or lease. If you like to handle your insurance yourself, a company that has a strong online presence or highly-rated mobile app may be a good fit. Car insurance discounts in Texas
Although full coverage car insurance in Texas is more expensive than the national average, there are rates. Most insurance companies offer discounts that can lower your premium. Although vary by carriers, some common options in Texas are: Multi-policy discounts: These are some of the biggest savings opportunities that companies offer. If you , condo or renters insurance, you could see a significant drop in the price of both policies. Some companies also offer this discount for other product lines, like boat or RV insurance. Telematics discounts: Some companies offer programs that track your driving habits with a mobile app or plug-in device. Based on the data received, you may earn a personalized discount. These programs can save you money and help you identify how to drive more carefully in order to maintain a clean driving record. Student discounts: face some of the highest car insurance rates because they have less years of driving experience compared to adults with longer driving histories. If you have a teen or college-age driver on your policy, you may be able to take advantage of a good student discount, driver training discount or distant student discount to lower your premium. Other discounts: Paying your premium in full could save you money, as could signing up for automatic payments. Some companies also offer a discount for signing up for paperless billing statements. Additionally, if your car comes equipped with safety features such as anti-theft devices and anti-lock brakes, you may qualify for a safe car discount that lowers your premium. Although many companies feature their discounts online, savings opportunities can vary by your location. Because Texas is such a big state, it may be better to talk to a company representative about ways you can save on your insurance policies. Frequently asked questions
The will likely vary from driver to driver. That's because car insurance rates may be based on a variety of factors, including your vehicle, miles driven per year, age, driving history and coverage choices. Adding other options, such as increased liability coverage, collision and comprehensive coverage, may also affect your insurance rates. According to Bankrate's study of rate data, however, the cheapest car insurance companies in Texas include Geico, State Farm, USAA, Mercury and Allstate, but it's important to note that individual rates will vary based on personal factors. If you are looking for the lowest rate in Texas, it may be helpful to research which discounts apply to you. Many Texas car insurance providers offer special discounts for good students, safe vehicles, teachers, active military, policy bundling and more.
If you get caught , it could result in a fine or possibly a license suspension. The fine for the first offense can be as high as $350. However, if you are caught driving without car insurance a second time, the fine increases to a maximum of $1,000 and you could also lose your driver's license for up to two years. To avoid this situation, Texas drivers are required to carry the minimum amount of coverage set by the state.
Finding the best auto insurance in Texas likely depends on your unique driving needs and what you value most. Maybe it's looking for the cheapest rates or finding a provider with a great digital experience. from multiple providers could show you a range of rates based on the coverage options you select so you may determine which one is the best auto insurance company for you.
Texas is considered an at-fault state. This means that the driver who is deemed to be at-fault in the accident is responsible for covering the costs of the other party's damages, whether property, medical, or both. For this reason, Texas law requires drivers to carry at least a minimum amount of liability insurance. However, some drivers will opt to purchase higher liability limits and additional coverage for more protection - and most insurance agents will recommend that you do so to help protect your finances if you're involved in an accident. Written by Lizzie Nealon Insurance Contributor Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions.