Orlando Harmon
Texas law requires drivers to have car insurance. The best auto insurance in Texas will depend on your individual needs, but some of the top-rated companies in the state include Texas Farm Bureau, USAA, State Farm, Geico, and Progressive. These companies offer affordable rates, strong customer service, and a wide range of coverage options. When choosing an auto insurance provider, it is important to consider factors such as cost, coverage options, customer satisfaction, and financial strength ratings.
| Characteristics | Values |
|---|---|
| Cheapest car insurance in Texas | Texas Farm Bureau |
| Cheapest car insurance for young drivers in Texas | Redpoint County Mutual |
| Cheapest car insurance for seniors in Texas | USAA |
| Cheapest car insurance for high-risk drivers in Texas | State Farm |
| Cheapest car insurance for drivers with a DUI in Texas | Progressive |
| Cheapest car insurance for drivers with poor credit in Texas | State Farm |
| Average cost of car insurance in Texas | $1,716 per year |
| Minimum liability coverage in Texas | $30,000 per person and $60,000 per accident for bodily injury, $25,000 per accident for property damage |
What You'll Learn
Cheapest car insurance in Texas
Texas Farm Bureau offers the cheapest car insurance in Texas, with an average annual rate of $863. The average rate of insurance for Texas drivers is $1,716 per year.
The average cost of full-coverage car insurance in Texas is $2,567 per year or $214 per month. The average cost of minimum liability coverage in Texas is $960 per year, almost 10% more expensive than the national average.
According to MarketWatch, the cheapest car insurance companies in Texas are Texas Farm Bureau, State Farm, Geico, Redpoint County Mutual and USAA.
US News found that Farmers and USAA have the cheapest sample rates in Texas for female teen drivers. USAA also has the cheapest average annual rates in Texas for both female and male young adults.
Bankrate's research found that Geico, State Farm and Allstate offer some of the best car insurance policies in the Lone Star State.
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Best car insurance for young drivers in Texas
Young drivers in Texas can expect to pay more for their car insurance than older, more experienced drivers. However, there are still ways to save money on your premiums. Shopping around for the best rates and taking advantage of any discounts you may be eligible for are good places to start. Here are some of the best car insurance options for young drivers in Texas:
USAA
USAA is a great option for young drivers who are either currently serving or are veterans of the military, as well as their immediate family members. USAA offers some of the lowest rates in Texas for young drivers, as well as a long list of optional coverage types tailored to military needs. USAA also offers potential car insurance discounts that could be of particular interest to military members, such as a discount for storing your vehicle at a military base while you are deployed.
State Farm
State Farm is the second-largest auto insurance company in Texas and offers affordable rates for many different types of drivers. State Farm also offers a wide variety of additional coverage options, including classic car insurance and rental car and travel expense coverage. State Farm also has a broad network of in-person agents and a highly-rated mobile app for easy policy management.
Geico
Geico is one of the biggest car insurance companies in the country and offers affordable rates for young drivers in Texas. Geico also provides a highly-rated mobile app and several ways for Texas policyholders to save money on their premiums, including discount opportunities for airbags, anti-theft devices, accident-free drivers, and military members.
Progressive
Progressive is the most popular car insurance company in Texas and may be a good option for young drivers with a DUI or other violation on their driving record. Progressive offers a wide variety of coverage options, including accident forgiveness, and a usage-based program called Snapshot®, which helps safe drivers save money.
Auto-Owners
Auto-Owners has the best rates for parents who are adding a teen driver to their policy. Auto-Owners also offers a rare accident forgiveness program, which can help young drivers avoid higher insurance rates if they cause a car accident.
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Best car insurance for military members in Texas
Military car insurance is available for service members, veterans, and their families and typically offers discounts and lower rates to honour their service.
USAA, Geico, and State Farm are the best car insurance companies for military members and their families. Here is a detailed breakdown of each of them:
USAA
USAA is the best overall option for military members and their families. It offers the cheapest auto insurance rates in the country, with rates costing an average of $88 per month. USAA also provides both cheap rates and great services tailored to the military lifestyle.
USAA offers a 15% discount for active-duty military who store their vehicle on a military base. Furthermore, if you store your car while deployed overseas, USAA offers a 60% discount on your monthly premium. If your parents were USAA members, there is also a legacy discount of 10%. In addition, USAA gives discounts based on mileage, so military members who live on base or are deployed for part of the year can save money when they don't accrue miles on their vehicle.
USAA has some of the highest customer satisfaction ratings in the industry. In fact, J.D. Power awarded USAA the highest ratings out of any insurance company in its 2023 U.S. Auto Insurance Study. USAA also holds top marks for financial strength with an A++ rating from AM Best.
USAA's auto insurance is available in all 50 states, Washington D.C., and some international locations. However, it is limited to military families and veterans.
Geico
Geico is the best option for veterans and those not deployed. It offers the best car insurance for retired service members and those not deployed. Geico provides a military discount of up to 15% for current and former military members.
Geico also has a dedicated military customer service team, staffed with veterans from all military branches who are available to answer questions 24/7 at 1-800-MILITARY (645-4827).
Geico offers some of the most extensive car insurance coverage options in the country, including bodily injury and property damage liability coverage, collision and comprehensive coverage, personal injury protection, uninsured motorist coverage, emergency roadside assistance, and rental car reimbursement.
Geico also provides policies for various vehicles like motorcycles, all-terrain vehicles (ATVs), boats, and RVs. In addition, Geico has other coverage types, like homeowners and renters insurance, personal liability insurance, life insurance, and identity theft protection.
Geico has elite financial stability and receives an A++ financial strength rating from AM Best, the highest rating possible.
State Farm
State Farm is the best option for those looking for competitive rates from a big-name insurer. It is one of the largest auto insurers based on market share and has an excellent reputation for customer satisfaction. It offers 13 discounts, including ones for safe driving and young drivers.
State Farm offers low rates in some states and has lower rates than USAA and Geico in Texas. There are many other State Farm discounts that military members might qualify for, such as the good driver discount for drivers who haven't had any tickets or at-fault accidents in three years.
State Farm also offers a program called Steer Clear for drivers under the age of 25. This online course in driving skills can help you save up to 20%.
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Best car insurance for high-risk drivers in Texas
If you're a high-risk driver in Texas, you may be charged higher rates or refused a policy. However, there are still some great options for you to choose from.
Geico
Geico has the lowest rates for high-risk drivers, with average rates that are 36% less expensive than others. Geico also has cheap quotes for drivers who have a speeding ticket, a DUI, or a lapse in coverage, and for young drivers who have a ticket.
State Farm
State Farm is another affordable option for high-risk drivers. It offers an average policy costing around $1,155 annually.
Farmers
Farmers offers the cheapest policies for high-risk drivers at $1,122 per year on average.
Progressive
Progressive is a good option for high-risk drivers, especially if you have a teen driver or a DUI or other violation on your driving record.
The General
If you can't get coverage from a mainstream company, a high-risk auto insurance company like The General may be the best option available.
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Best car insurance for seniors in Texas
When it comes to auto insurance for seniors in Texas, there are a few things to consider. Age is one of the biggest factors affecting car insurance rates in the state, with rates increasing after age 65 as insurers see older drivers as riskier to insure due to age-related changes in health and slower reflexes.
According to MoneyGeek, Texas Farm Bureau offers the cheapest rates for minimum coverage car insurance in Texas at $339 per year, while Dairyland is the most expensive option at $1,809 per year. For full coverage insurance, Texas Farm Bureau is again the cheapest option at $760 per year, and Dairyland is the most expensive at $3,668 per year.
For seniors in Texas, Texas Farm Bureau is also the cheapest option, with an average rate of $629 per year, followed by State Farm at $913 per year. Dairyland is once again the most expensive option, charging around $3,354 annually.
However, it's important to note that the best car insurance for seniors in Texas may depend on various factors such as location, driving record, and individual needs. It's always a good idea to compare quotes from multiple insurers and consider the discounts offered to find the most suitable option.
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Frequently asked questions
Texas law requires drivers to carry a certain amount of liability coverage. The minimum amount of bodily injury liability coverage required is $30,000 per person and $60,000 per accident. For property damage liability, the minimum is $25,000 per accident.
"Full coverage" car insurance in Texas is often considered to be the state-mandated minimum coverage plus comprehensive and collision coverage. Comprehensive coverage helps pay for damages caused by events like hail, fire, or theft, while collision coverage helps cover the cost to fix damage to your car from an accident with another car.
No, Texas is an at-fault insurance state. This means that the driver who causes an accident is responsible for paying for the damage.
The average cost of car insurance in Texas varies depending on the source and the coverage level. According to one source, the average cost of full coverage car insurance in Texas is $2,460 per year, while another source states that the average cost is $3,156 per year. For minimum coverage, the average cost is $699 per year, according to one source, while another source states that the average is $960 per year.
Several factors can influence car insurance premiums in Texas, including age, gender, type of vehicle, credit score, marital status, driving record, and location. Additionally, insurance rates in Texas have been impacted by inflation, risky driving, population growth, and catastrophic weather events.
