Best Auto Insurance Companies In Texas: Top Picks

Texas Farm Bureau, USAA, State Farm, Geico, and Progressive are the best auto insurance companies in Texas. The average cost of car insurance in Texas is $2,426 for full coverage and $693 for state-mandated minimum insurance. Texas Farm Bureau offers the cheapest car insurance in Texas, with an average rate of $87 per month.

Cheapest car insurance companies in Texas

The cost of car insurance in Texas is about 18% more than the national average. However, there are several companies that offer competitive rates.

Texas Farm Bureau

Texas Farm Bureau has the cheapest car insurance in Texas for minimum liability coverage at $483 a year on average and full-coverage auto insurance at $1,427 per year. It also has the cheapest full-coverage car insurance for 65-year-olds at an average yearly rate of $1,200. Texas Farm Bureau also has some of the lowest rates for high-risk drivers.

State Farm

State Farm has the cheapest liability-only auto insurance in Texas, with rates 38% cheaper than the state average. It also has the cheapest car insurance in Texas for drivers with a DUI, at an average rate of $1,364 per year. State Farm is also a good option for students, as it offers up to 25% off for good grades.

Geico

Geico is a good option for those seeking cheap coverage, with rates around 32% cheaper than the state average. It also offers mechanical breakdown insurance, which acts like a car warranty and covers vehicle parts that malfunction.

Redpoint County Mutual

Redpoint County Mutual has some of the most affordable coverage in the state, especially for teen drivers and those aged 21 to 25. It also has the cheapest full-coverage car insurance for 17, 18 and 19-year-olds.

USAA

USAA is only available to military members and their families, but it offers superior customer service and affordable rates for this group. It has plenty of coverage options and many discounts.

Best car insurance companies in Texas

Texas Farm Bureau

Texas Farm Bureau is one of the best and cheapest car insurance companies in Texas. It offers dependable service and low rates for minimum and full-coverage policies in the state. Its full-coverage policies are about 55% cheaper than the statewide average. Texas Farm Bureau also has a great industry reputation and offers in-person customer service through local agents.

USAA

USAA is a great option for military members and their families in Texas. It has high scores in several J.D. Power Auto Insurance studies and offers insurance coverage exclusively for active or retired military members and their families. USAA's rates are among the lowest in Texas.

State Farm

State Farm is one of the most popular providers in Texas, offering affordable rates for various types of drivers. It has a strong reputation, with high ratings from the BBB and AM Best, and the third-highest score in Texas in the J.D. Power Auto Insurance Study. State Farm also offers a wide variety of additional coverage options and a good student discount of up to 25%.

Geico

Geico is a good choice for those seeking a wide selection of affordable car insurance options, including rare coverages like mechanical breakdown insurance. Its rates for trucks and other vehicle types are well below the state average in Texas. Geico also offers various discount opportunities, including a telematics insurance program.

Progressive

Progressive is the most popular car insurance company in Texas and is a good option for high-risk drivers, including those with teen drivers or a DUI on their record. It offers a wide variety of coverage options, including accident forgiveness and roadside assistance. Progressive also features a usage-based program called Snapshot®, which helps safe drivers save money.

Cheapest car insurance companies by age in Texas

The cost of car insurance in Texas varies depending on age, driving history, credit history, and location. Texas Farm Bureau, State Farm, and USAA are the cheapest full-coverage insurance companies in Texas, with rates less than $115 per month. Texas Farm Bureau also offers the cheapest rate for minimum-liability coverage at $33 per month.

For teenagers, Texas Farm Bureau offers the best rates for minimum coverage at $64 per month and full coverage at $143 per month. For 20-year-olds, Texas Farm Bureau, State Farm, Germania Mutual, and Auto Club offer the cheapest rates for full coverage, ranging from $128 to $358 per month. For 30-year-olds, Texas Farm Bureau, State Farm, Auto Club, and National General offer the cheapest full coverage, ranging from $88 to $195 per month.

For 40-year-olds, Texas Farm Bureau, State Farm, Auto Club, and National General offer the cheapest full coverage, ranging from $85 to $189 per month. As drivers age, rates tend to decrease. For 50-year-olds, Texas Farm Bureau, State Farm, Mercury, Germania Mutual, and National General offer the cheapest full coverage, ranging from $82 to $189 per month. For 60-year-olds, Texas Farm Bureau, State Farm, Mercury, National General, and Germania Mutual offer the cheapest full coverage, ranging from $70 to $170 per month. Finally, for 70-year-olds, Texas Farm Bureau, State Farm, Mercury, Republic Indemnity, and National General offer the cheapest full coverage, ranging from $69 to $177 per month.

Cheapest car insurance after an accident in Texas

Texas Farm Bureau, State Farm, and USAA are the cheapest car insurance companies in Texas for drivers who have caused an accident.

State Farm is the cheapest option, with an average rate of $124 per month. However, Texas Farm Bureau and USAA are also good options, with rates less than $115 per month.

Your driving history can have a significant impact on your insurance rates. If you cause an accident in Texas, insurance companies will raise your rates for full coverage by an average of 53%.

Cheapest car insurance for drivers with a DUI in Texas

Texas Farm Bureau, State Farm, Geico, Redpoint County Mutual and USAA are the cheapest car insurance companies in Texas. However, the cheapest car insurance for drivers with a DUI in Texas is offered by Redpoint County Mutual.

The cost of car insurance in Texas increases by 50.76% following a DUI. Non-DUI drivers pay an average annual cost of $1,277 for full coverage, whereas DUI drivers pay $1,926.

• Redpoint County Mutual
• Esurance
• Farmers
• State Farm
• Progressive
• USAA

The cheapest full coverage car insurance for drivers with a DUI in Texas is offered by Esurance, while the cheapest minimum coverage is offered by Farmers.

Frequently asked questions