{"id":325231,"date":"2025-11-14T06:32:07","date_gmt":"2025-11-14T11:32:07","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=96952"},"modified":"2025-11-14T06:32:07","modified_gmt":"2025-11-14T11:32:07","slug":"best-in-texas","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-texas\/","title":{"rendered":"The Best Car Insurance Companies in Texas"},"content":{"rendered":"\n<p>The Lone Star State continues to run higher than the U.S. average for auto insurance costs. In 2025, modeled estimates for a typical driver put full-coverage premiums broadly in the mid-$2,000s per year (roughly $2,200\u2013$3,000), with minimum-liability policies commonly around $600\u2013$900. Weather-driven losses (hail and Gulf storms), higher repair costs and dense metro traffic all contribute. That means finding the best car insurance in Texas still takes some comparison shopping to match coverage, price and discounts to your needs.<\/p>\n\n\n\n<p>We evaluated overall customer and claims satisfaction, optional coverage, discounts, financial strength, Texas complaint records and recent statewide rate analyses to pick the best car insurance companies in Texas. Several of our choices were also included in our list of <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">the best car insurance companies in the nation<\/a>. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Auto Insurance Companies in Texas<\/h2>\n\n\n\n<ul><li><a class=\"achor-toggles\" href=\"#usaa\">USAA<\/a>: Best for Military-Focused Coverage<\/li><li><a class=\"achor-toggles\" href=\"#allstate\">Allstate<\/a>: Best for Robust Coverage<\/li><li><a href=\"#geico\">GEICO<\/a>: Best for Affordable Policies<\/li><li><a href=\"#state\">State Farm<\/a>: Best for Customer Service<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\t\t\n<section id=\"block_5fc56330df1a3\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Car Insurance Companies in Texas<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for Minimum Coverage*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for Full Coverage* \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. POWER OVERALL CUSTOMER SATISFACTION**<\/a>\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fc56330df1a3-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA***<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$395<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,344<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>879<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fc56330df1a3-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$557<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,705<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>836<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fc56330df1a3-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$391<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,339<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>832<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fc56330df1a3-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$518<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,411<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>838<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of 2025<\/em><\/p>\n\n\n\n<p>*<em>Data reflects 2025 Bankrate statewide averages and modeled quotes; actual rates vary by profile and insurer<\/em><\/p>\n\n\n\n<p><em>**J.D. Power 2024 U.S. Auto Insurance Study results that include Texas. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n<p><em>***Not officially ranked by J.D. Power due to eligibility restrictions<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"military-members\" title=\"USAA\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Texas drivers who are active-duty military service members, veterans, or qualifying family members might be able to purchase auto insurance from USAA, which consistently scores highly with J.D. Power for service.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,344<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">879**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Texas drivers who are active-duty military service members, veterans, or qualifying family members might be able to purchase auto insurance from USAA, which consistently scores highly with J.D. Power for service.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low average premiums<\/li>\n                            <li>Many discounts<\/li>\n                            <li>Military-focused customer service<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Must be an active or former military service member, or the spouse or child of a service member, to get coverage<\/li>\n                                        <li>Very few branch locations<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal injury protection\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Extended benefits coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside assistance\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental car reimbursement\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accident forgiveness<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Annual mileage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti-theft device<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Defensive driving course\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driver training course<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Family discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Length of membership\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Military installation\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Policy bundling<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe driver\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">USAA SafePilot program<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vehicle storage<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Further Reading on USAA:<\/strong><\/h3>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA auto insurance review<\/a><\/li><li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA homeowners insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA renters insurance review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"wide-coverage\" title=\"Allstate\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Robust Coverage<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Based on our research, Allstate offers some of the best optional coverages for Texas drivers who want to customize their policy for more robust protection. \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,705<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">836**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Based on our research, Allstate offers some of the best optional coverages for Texas drivers who want to customize their policy for more robust protection. \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>24\/7 claims center<\/li>\n                            <li>Drivewise program<\/li>\n                            <li>Streamlined claims process with a satisfaction guarantee<\/li>\n                            <li>Strong online policy management and learning materials<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Fewer discounts than some other carriers<\/li>\n                                        <li>Rates are more expensive compared to other top providers<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li>Collision coverage<\/li>\n<li>Comprehensive coverage<\/li>\n<li>Liability coverage<\/li>\n<li>Medical payments coverage<\/li>\n<li>Personal injury protection<\/li>\n<li>Personal umbrella policy<\/li>\n<li>Rental reimbursement coverage<\/li>\n<li>Roadside coverage<\/li>\n<li>Custom equipment coverage<\/li>\n<li>Uninsured and underinsured motorist coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li>Anti-lock brake<\/li>\n<li>Anti-theft device<\/li>\n<li>Automatic withdrawal<\/li>\n<li>Early signing<\/li>\n<li>Full-pay<\/li>\n<li>Multi-policy<\/li>\n<li>New car<\/li>\n<li>Paperless<\/li>\n<li>Responsible payer<\/li>\n<li>Safe driving club<\/li>\n<li>Smart student<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Further Reading on Allstate:<\/strong><\/h3>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate auto insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate homeowners insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/allstate-review\/\">Allstate motorcycle insurance review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"affordable-policies\" title=\"Geico\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Geico<\/h2>\n\n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Affordable Policies<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Texas drivers who want the cheapest car insurance policy may want to consider Geico, which has the lowest average full coverage premium based on our sample rate data.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,339<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">832**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Texas drivers who want the cheapest car insurance policy may want to consider Geico, which has the lowest average full coverage premium based on our sample rate data.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Affordable full coverage policies for most drivers<\/li>\n                            <li>Strong financial ratings<\/li>\n                            <li>Variety of discounts<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Does not offer gap insurance<\/li>\n                                        <li>No discounts for hybrid\/electric cars<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal injury protection\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside assistance\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental car reimbursement\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mechanical breakdown coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured motorist coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Comprehensive coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li>Defensive driving course<\/li>\n<li>Driver education course<\/li>\n<li>Emergency deployment<\/li>\n<li>Employee membership<\/li>\n<li>Federal employee<\/li>\n<li>Good driver<\/li>\n<li>Good student<\/li>\n<li>Military<\/li>\n<li>Multi-policy<\/li>\n<li>Multi-vehicle<\/li>\n<li>New vehicle<\/li>\n<li>Seat belt use<\/li>\n<li>Vehicle safety features<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Further Reading on Geico:<\/strong><\/h3>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\">Geico auto insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\">Geico homeowners insurance review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"customer-service\" title=\"State Farm\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                With a network of 19,000 agents, State Farm is one of the top Texas insurance companies for customer service. It\u2019s also highly rated for claim satisfaction by <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-claims-satisfaction-study\" rel=\"noopener\" target=\"_blank\">J.D. Power<\/a>.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,411<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">838**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                With a network of 19,000 agents, State Farm is one of the top Texas insurance companies for customer service. It\u2019s also highly rated for claim satisfaction by <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-claims-satisfaction-study\" rel=\"noopener\" target=\"_blank\">J.D. Power<\/a>.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Great discounts<\/li>\n                            <li>High claims satisfaction ratings<\/li>\n                            <li>Impressive financial strength <\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Fewer add-on coverages than competitors<\/li>\n                                        <li>No accident forgiveness<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental car and travel expenses coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside assistance coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rideshare driver coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li>Accident-free<\/li>\n<li>Anti-theft device<\/li>\n<li>Defensive driving course<\/li>\n<li>Drive Safe &amp; Save program<\/li>\n<li>Driving training<\/li>\n<li>Good driver<\/li>\n<li>Good student<\/li>\n<li>Multi-vehicle<\/li>\n<li>Passive restraint<\/li>\n<li>Policy bundling<\/li>\n<li>Renewal discount<\/li>\n<li>Steer Clear program<\/li>\n<li>Student away at school<\/li>\n<li>Vehicle safety<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Further Reading on State Farm:<\/strong><\/h3>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm auto insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm homeowners insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost of Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Texas<\/h2>\n\n\n\n<p>Auto insurance costs more in Texas, on average, than it does in the nation as a whole. For 2025, modeled estimates for <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">full coverage<\/a> commonly range from about $2,200 to $3,000 per year in Texas, while minimum-liability policies average roughly $600\u2013$900. Official benchmarks from regulators show Texas\u2019s average expenditure per insured vehicle continued to rise through 2022, and industry pricing remained elevated through 2024 and into 2025 amid broad auto-insurance inflation. Severe weather (especially hail) and large-metro driving density also contribute to higher claim costs in many Texas ZIP codes.<\/p>\n\n\n\n<p>Remember that every driver will get different rates based on age, location, credit-based insurance score, vehicle, coverage choices, telematics participation and claims history, among other factors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Texas<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium*<\/strong><\/td><\/tr><tr><td>Geico<\/td><td>$600\u2013$750<\/td><\/tr><tr><td>USAA<\/td><td>$600\u2013$800<\/td><\/tr><tr><td>State Farm<\/td><td>$600\u2013$800<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data reflects 2025 Bankrate analysis for minimum coverage; actual rates vary by profile and insurer.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Texas<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium*<\/strong><\/td><\/tr><tr><td>Sentry<\/td><td>$850\u2013$900+<\/td><\/tr><tr><td>California Casualty<\/td><td>$850\u2013$900+<\/td><\/tr><tr><td>Kemper<\/td><td>$850\u2013$900+<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data reflects 2025 Bankrate analysis for minimum coverage; actual rates vary by profile and insurer.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Texas<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium*<\/strong><\/td><\/tr><tr><td>Killeen<\/td><td>$600\u2013$700<\/td><\/tr><tr><td>College Station<\/td><td>$600\u2013$700<\/td><\/tr><tr><td>Waco<\/td><td>$600\u2013$700<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com, price based on the minimum coverage policy.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Texas<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium*<\/strong><\/td><\/tr><tr><td>Houston<\/td><td>$800\u2013$900+<\/td><\/tr><tr><td>Dallas<\/td><td>$800\u2013$900+<\/td><\/tr><tr><td>San Antonio<\/td><td>$800\u2013$900+<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com, price based on the minimum coverage policy.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to Texas Car Insurance \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Guide to Texas Car Insurance&nbsp;<\/h2>\n\n\n\n<p>Given the size of the state and risk variables present, drivers in Texas are up against a variety of financial hazards. If you are looking for the best auto insurance in Texas, many experts recommend shopping around and comparing rates, coverage types, discounts, policy features and third-party reviews \u2014 ideally getting at least four or five quotes \u2014 to find the provider that is right for you.<\/p>\n\n\n\n<p>The Texas Department of Insurance created an <a href=\"https:\/\/www.tdi.texas.gov\/consumer\/auto-insurance.html\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">automobile insurance guide<\/a> to help you understand the kind of coverage you need and what to look for when renewing your policy. If you are getting to know the roads of this state, we recommend checking out some<a href=\"https:\/\/attorneyatlawmagazine.com\/8-surprising-texas-traffic-laws\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> surprising Texas traffic laws<\/a>. Here are other important things for policyholders in this state. As of 2025, annual safety inspections for most noncommercial passenger vehicles were eliminated; emissions testing remains required in designated counties.<\/p>\n\n\n\n<p>Key things to know about car insurance in Texas<\/p>\n\n\n\n<ul><li>Texas is an at-fault state, meaning those responsible for the damage must pay for injuries and property damage they cause.<\/li><li>An estimated <a href=\"https:\/\/www.fhwa.dot.gov\/ohim\/hs00\/dl22.htm\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">millions of drivers are licensed<\/a> to operate vehicles in the state of Texas.<\/li><li>In this state, proof and verification of auto insurance are required at all times. This can be a paper ID card or a digital version on your phone.<\/li><li>Fines for failure to maintain financial responsibility generally range from about $175\u2013$350 for a first conviction and $350\u2013$1,000 for subsequent convictions; additional consequences may apply.<\/li><li>According to the Insurance Information Institute, Texas remains among the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-hail\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">top states for hail events<\/a>. Hail damage is paid under comprehensive coverage, so consider this optional coverage if you want your car protected from weather events like hail.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Car Insurance Add-Ons That May Further Protect You&nbsp;<\/h2>\n\n\n\n<p>Your car insurance policy must meet Texas\u2019s liability requirements, as having the minimum coverage keeps you from being fined. Many insurance agents recommend buying higher limits, though, for more financial protection. In addition, if you lease or finance your vehicle, your lender could require you to purchase more coverage than what&#8217;s required by the state. You may also want to consider usage-based or pay-per-mile programs for potential savings, EV-friendly options (e.g., coverage for charging equipment) and OEM parts endorsements for newer ADAS-equipped vehicles.<\/p>\n\n\n\n<p>Adding some extras can help limit your out-of-pocket expenses in excess of your policy\u2019s limits. Here are the add-ons that we recommend in the Lone Star State:<\/p>\n\n\n\n<ul><li>Collision coverage: This is designed to pay to repair or replace your car if you impact another vehicle or object, up to policy limits.&nbsp;<\/li><li>Comprehensive coverage: Often called \u201cother than collision\u201d, this coverage pays for theft of the car, vandalism, broken windows and windshields, and if you hit an animal \u2014 effectively, any damage to your vehicle not sustained in a collision incident.<\/li><li>Rental reimbursement coverage: If your car is stolen or needs to be repaired, having this reimbursement allows you to pay for renting a car. With some providers, this may cover taxi charges as well.&nbsp;<\/li><li>Personal injury protection: In Texas, personal injury protection (PIP) is required to be offered, but you can choose to decline the coverage. This policy will pay for your injuries and your passenger\u2019s injuries after an accident, regardless of which driver was at-fault. It may also cover lost wages, rehabilitation costs, and funeral expenses.<\/li><li>Uninsured\/underinsured motorist coverage: This coverage could protect you in case you are hit by someone that does not have insurance or the expenses from a crash exceed the limits of the other driver\u2019s insurance.<\/li><li>Towing and labor coverage: Adding this to your policy may help cover expenses if your car needs to be towed. If you need to pay for labor, such as having a flat tire, this coverage should help cover the cost.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Texas Minimum Insurance Requirements<\/h2>\n\n\n\n<p>In Texas, all drivers must carry at least a minimum amount of liability coverage. The Texas minimum auto insurance requirements include the following:<\/p>\n\n\n\n<ul><li>$30,000 bodily injury liability per person<\/li><li>$60,000 bodily injury liability per accident<\/li><li>$25,000 for property damage liability per accident<\/li><\/ul>\n\n\n\n<p>Car insurance companies must also offer you uninsured and underinsured motorist coverage, although you can decline these options in writing. In addition, every driver in Texas must carry at least $2,500 in PIP coverage, unless they decline the coverage in writing.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Texas Car Insurance FAQ<\/h2>\n\n\n<div id=\"block_61bb83f9f996f\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average auto insurance cost in Texas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average Texas auto insurance rate for full coverage is $1,823 per year, 9% higher than the $1,674 nationwide average. Minimum coverage costs an average of $524 per year in the Lone Star State.<\/span> But remember that how much you\u2019ll pay depends on factors like your car brand, the coverage you choose and claims history, among others. You can use our <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/>compare quotes<\/a> tool to find your best rates.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61bb840bf9970\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in Texas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The minimum amount of liability insurance in Texas is sometimes abbreviated as 30\/60\/25 and comes out to the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$30,000 bodily injury coverage per person<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$60,000 bodily injury coverage per accident<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$25,000 property damage coverage per accident<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You\u2019ll also be offered uninsured motorist coverage, underinsured motorist coverage, and personal injury protection, all of which you can decline in writing if you choose. You may want to consider higher limits than just state minimum, or even full coverage. If your insurance policy does not cover the full cost of an at-fault accident, you are financially responsible for any damage you cause to person or property, so the more liability you have, the better protected you are. Shopping around for quotes is the best way to get the most bang for your buck.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61bb8430f9971\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What impacts auto insurance premium costs?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>In Texas, your premium cost depends mainly on personal factors: your age, credit score, how much you drive, and the type of vehicle you\u2019re insuring, among other things. The type of coverage you buy and the discounts you are eligible for also factor into insurance premium costs. However, because different providers will charge the same individual more or less for similar coverage, the only way to nail down your best rate is to compare personalized quotes.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61bb8445f9972\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is a tort state? Is Texas a tort state?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>A tort state is more commonly known as an \u201cat-fault\u201d state, which means that in an accident, the police and insurance companies will determine who is \u201cat-fault\u201d or responsible for the auto accident. After a decision is made, the \u201cat-fault\u201d driver must pay any associated expenses from the accident related to damages or injuries. Texas is a tort state. In fact, most of the United States use the tort system, while only 12 states opt for a \u201cno-fault\u201d model.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61bb845ef9973\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the cheapest car insurance in Texas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on our research and the 2021 rates from Bankrate.com, the cheapest car insurance in Texas for minimum liability is offered by Geico for an average of $391 per year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As for full coverage premiums, the cheapest one that we found was offered also by Geico, with an estimated cost of $1,339 per year. However, these are just average rates. Your rates will vary based on your individual rating factors and Geico may not be the cheapest carrier for you.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology\u00a0<\/h2>\n\n\n\n<p>Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Texas, our editorial team compared affordability, customer support, coverage options, customer satisfaction and claims signals, Texas complaint indices and online resources from each company. These reviews are meant to help simplify the process of choosing which car insurance company is best for you.<\/p>\n\n\n\n<p>As for average pricing, we reference 2025 statewide analyses from editorial rate studies (including Bankrate\u2019s Quadrant-powered data) and cross-check with other reputable sources to reflect current market conditions. For full coverage, the details used were the following:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers typically own a recent-model Toyota Camry, commute five days a week and drive about 12,000 miles annually.\u00a0<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Lone Star State continues to run higher than the U.S. average for auto insurance costs. In 2025, modeled estimates for a typical driver put full-coverage premiums broadly in the mid-$2,000s per year (roughly $2,200\u2013$3,000), with minimum-liability policies commonly around $600\u2013$900. Weather-driven losses (hail and Gulf storms), higher repair costs and dense metro traffic all [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":357986,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[15839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Car Insurance Companies in Texas | Reviews.com<\/title>\n<meta name=\"description\" content=\"Texas auto insurance rates are right in line with the national average \u2014 $1,110 per year, compared to $1,009 nationwide.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-texas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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