Best Car Insurance in Texas (June 2023)

See which companies offer the best car insurance in Texas and how you can get a lower premium.

Updated May 4, 2023

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On average, Texas drivers pay $242 per month for auto insurance coverage – about 4% less than the national average cost. Dozens of car insurance companies in the Lone Star State offer excellent discounts, a wide range of coverage options, affordable premiums, and good online and mobile policy-management tools.

The best car insurance for someone else might not be the best option for you, so comparing quotes from several auto insurers is essential. 

Quick Facts
  • The best car insurers in Texas offer monthly rates that range from $65 to $194 per month for liability-only coverage.

  • Waco residents have the cheapest car insurance costs in Texas, while Houston drivers pay the most.

  • USAA is the best overall car insurance company in the state, with average monthly rates of $115 for liability insurance.

Best car insurance companies in Texas

Texas drivers have many choices when it comes to auto insurance. USAA, GEICO, and State Farm are among the best insurance companies in Texas. 

Whether you value low rates, coverage designed for high-risk drivers, or something else, you can find an auto insurer from the following list of best auto insurers in Texas.

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Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyInsurify Quality (IQ) Score
USAAOverall$1154.5
GEICOBest value$704.3
State FarmMost affordable$654.4
NationwideCommuters$1904.1
AllstateFamilies$914.1
Liberty MutualCollege students$1943.8
Direct AutoHigh-risk drivers$1733.2
ProgressiveLuxury car owners$1084.1
HugoTemporary car insuranceN/A2.8
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best car insurance overall: USAA

USAA logo

USAA

Average Monthly Cost:
$115
Insurify Quality Score:
4.5

One of the highest-rated car insurance companies on the market, USAA has excellent scores for overall customer satisfaction, claim satisfaction, and financial strength.[1] [2] Additionally, USAA offers a wide selection of discounts for customers, with savings for safe drivers, good students, and many others.

Out of the best car insurance companies in Texas, USAA earned an Insurify Quality (IQ) Score of 4.5 out of 5. However, only military service members, veterans, and their families can purchase coverage. On average, USAA policyholders pay $115 per month for liability coverage and $149 for full coverage.

Pros
  • Many available discounts

  • A++ (Superior) financial strength rating from A.M. Best

  • USAA Perks program

Cons
  • Only available to military personnel, veterans, and their families

  • Limited optional car insurance policies available

  • More expensive premiums than some other insurers

Best value car insurance in Texas: GEICO

GEICO logo

GEICO

Average Monthly Cost:
$70
Insurify Quality Score:
4.3

GEICO provides excellent car insurance to Texas drivers at a relatively low price. Insurify rate data shows that GEICO offers some of the cheapest car insurance in Texas, at $70 per month for liability coverage and $91 for full coverage.

The company also earned an IQ Score of 4.3. GEICO stands out for its impressive list of discounts, with savings for military personnel, federal employees, smart students, vehicles with an anti-theft device, and many others.

Pros
  • Many available discounts

  • DriveEasy telematics-based safe-driver program

  • Highly rated mobile app for policy management

Cons
  • Limited add-on coverages available

  • Below-average customer satisfaction rating from J.D. Power

  • Gap insurance not available

Most affordable car insurance in Texas: State Farm

State Farm has the cheapest car insurance premiums in Texas, with average monthly rates of $65 for liability coverage and $84 for full coverage. And with an IQ Score of 4.4 — one of the highest ratings on the list — State Farm doesn’t sacrifice quality for affordability.

State Farm doesn’t offer many insurance endorsements, but it does provide a big selection of discounts. State Farm also has two safe-driver rewards programs: Drive Safe & Save and Steer Clear. The Steer Clear program is exclusively for drivers younger than 25.

Pros
  • Cheapest average premiums

  • Big selection of available discounts

  • Above-average customer satisfaction rating from J.D. Power

Cons
  • Higher average rates for drivers with a DUI

  • Gap insurance not available

  • Accident forgiveness coverage not available

Best for commuters: Nationwide

Nationwide logo

Nationwide

Average Monthly Cost:
$190
Insurify Quality Score:
4.1

If you commute to work or school but drive infrequently otherwise, you might benefit from SmartMiles, Nationwide’s pay-per-mile car insurance policy. This program provides the same car insurance coverage you get with a regular policy, but it has a flexible monthly rate that could help you save money.

Nationwide also offers good discounts and several endorsements for added protection. Nationwide policyholders pay $190 per month for minimum coverage and $224 for full coverage, on average.

Pros
  • Variety of available discounts

  • Commuters can save via SmartMiles policy

  • Unique coverages, including total-loss deductible waiver

Cons
  • Below-average claims satisfaction rating from J.D. Power

  • Expensive average premiums compared to other insurers

  • Discounts may not apply to certain specialty coverages

Best for families: Allstate

Allstate logo

Allstate

Average Monthly Cost:
$91
Insurify Quality Score:
4.1

Allstate offers excellent car insurance to consider if you need to cover your family. The company offers many different discounts, including a multi-policy discount that could help you save up to 25% when bundling home and auto insurance.

Allstate also offers several discounts for high school and college students that can benefit families with young adult drivers on their insurance plan. Out of the Texas car insurance companies reviewed, Allstate has some of the lowest average rates. On average, Allstate car insurance costs $91 per month for liability coverage and $118 for full coverage.

Pros
  • Affordable premiums

  • Multiple available discounts

  • Excellent claims satisfaction rating from J.D. Power

Cons
  • Below-average customer satisfaction rating in Texas from J.D. Power

  • High number of complaints, according to the NAIC

  • Rideshare coverage not available in all states

Best for college students: Liberty Mutual

If you’re a college student, Liberty Mutual is a good car insurance option. The company offers discounts for high school and college students with at least a “B” grade point average, as well as savings for students away at school.

College students can also enroll in RightTrack, Liberty Mutual’s telematics-based safe driver program. You can instantly save 10% for signing up for the program and up to 30% for practicing safe driving habits. On average, Liberty Mutual car insurance costs $194 per month for liability coverage and $307 for full coverage.

Pros
  • Several student discounts available

  • Many available endorsements for added protection

  • Safe-driver rewards program allows for savings of up to 30%

Cons
  • Below-average claims satisfaction rating for J.D. Power

  • High number of complaints, according to the NAIC complaint index

  • Expensive premiums compared to other insurers

Best for high-risk drivers: Direct Auto

Direct Auto logo

Direct Auto

Average Monthly Cost:
$173
Insurify Quality Score:
3.2

High-risk drivers with a history of accidents, a poor driving record, or a low credit history should look into coverage from Direct Auto. Direct Auto specializes in high-risk auto insurance and provides more flexible eligibility requirements than some other companies.

Direct Auto sells very few endorsements but does have a number of discounts available. You can save money by having continuous insurance, bundling your policies, having an anti-theft device in your car, and more. Direct Auto policyholders pay $173 per month for liability coverage and $224 for full coverage, on average.

Pros
  • Coverage for high-risk drivers who struggle to find standard insurance

  • Several available discounts

  • Mobile app for easy policy management

Cons
  • Lowest IQ Score out of reviewed companies

  • Expensive premiums

  • Few available coverage options

Best for sports car owners: Progressive

Progressive logo

Progressive

Average Monthly Cost:
$108
Insurify Quality Score:
4.1

If you drive a sports car, you should consider purchasing a car insurance policy from Progressive. Not all insurance companies cover sports cars, but Progressive will insure vehicles valued up to $150,000.

With Progressive, you can take advantage of many discounts, including savings for teen drivers, good students, homeowners, getting a policy online, enrolling in autopay, opting into paperless documents, and more. On average, Progressive policyholders pay $108 per month for liability coverage and $194 for full coverage.

Pros
  • Complete coverage for sports cars

  • Big selection of available discounts

  • Helpful online resources, like the NameYourPrice Tool

Cons
  • Insurance for sports cars worth more than $150,000 not available

  • Below-average claims satisfaction rating from J.D. Power

  • Below-average customer satisfaction rating in the Texas region

Best temporary car insurance in Texas: Hugo

Hugo logo

Hugo

Average Monthly Cost:
$0
Insurify Quality Score:
2.8

Hugo is a reputable pay-as-you-go car insurance company that offers short-term car insurance in Texas. Drivers who need temporary car insurance can purchase coverage for as little as three days, or in intervals of seven or 14 days, or one or six months. Three different coverage options allow drivers to choose minimum liability coverage, liability plus medical and accidental death coverage, or full coverage that includes liability, comprehensive, collision, medical, and accidental death coverages.

Pros
  • Multiple options for short-term, pay-as-you-go coverage

  • No down payment and no up-front fees

  • Start and stop coverage via text message

Cons
  • Available in a limited number of states

  • Limited customization options

  • No traditional discounts, like bundling discount

How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from the company’s partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. 

The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. 

With this information, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all driver ages, gender, credit scores, and driver profiles for Texas drivers.

How to shop for the best car insurance in Texas

To find the best car insurance in Texas, you should carefully consider the following factors:

  1. Your coverage needs: First, think about what coverage you really need. If you have teen drivers in your household, you may want accident forgiveness. Or, if you lease or finance your vehicle, you might want gap insurance. When comparing insurers, make sure the companies you look into offer the type of coverage you need.

  2. Your budget: Auto insurers personalize auto rates for every driver, but companies charge different rates for similar types and amounts of coverage. Get quotes from at least three or four insurance companies to maximize your chances of finding the cheapest policy for your financial situation.

  3. What discounts you qualify for: Look for car insurance companies that offer discounts you can qualify for. Some insurers offer more discounts than others, and the average savings potential can also vary. You might need to call an agent at a specific auto insurer to confirm the company does offer advertised discounts in Texas.

  4. What you value in an insurance company: Consider what you value most in an insurance company — perhaps excellent customer service, online or mobile policy-management tools, or the highest discounts. While you might not find an insurer that offers everything you want, choose one that checks most of the boxes for you.

How to get the cheapest car insurance in Texas

Car insurance rates vary for each driver, so you may face expensive premiums due to factors like your age and driving record.

“Texas drivers have multiple ways to lower their insurance premiums,” says David Trump, Mercury Insurance product manager for Texas. Here are a few ways to get the cheapest car insurance in Texas:

  • Look for discounts. Most car insurance companies in Texas offer discounts. You can typically find discounts for good students, safe drivers, bundling your policies, taking a defensive driving class, installing vehicle safety features, and insuring multiple vehicles.

  • Pick high deductibles. For policies that require a deductible, like collision insurance, setting a higher deductible will result in a lower monthly premium.

  • Improve your credit. If you don’t have a good credit score, improving your credit could help you qualify for a cheaper car insurance premium.

  • Pay your premium up front. You can often save money on your auto insurance policy if you pay your annual premium up front and in full.

  • Shop around. Before you purchase car insurance, shop around and compare quotes from several insurers. You can use a quote-comparison tool like Insurify to simplify the process.

Minimum car insurance requirements in Texas

All motor vehicles operated or parked on Texas roadways must be insured. You need to carry proof of insurance in your car at all times so you can provide it in the following situations:

  • When requested by law enforcement

  • Vehicle registration renewal

  • A car accident

“Texas has a specific coverage requirement, which is often called 30/60/25 coverage,” adds Trump. The table below includes the minimum coverage requirements in the state:[3]

CoveragePer Person/Per AccidentWhat It Covers
Bodily injury liability$30,000/$60,000Expenses related to injuries sustained by others in an accident you cause
Property damage liabilityN/A/$25,000Expenses related to damage you cause to the property of others in an accident

Liability-only vs. full-coverage insurance in Texas

Texas requires all vehicle owners to carry a minimum amount of liability insurance, which pays for another driver’s medical bills and vehicle repairs if you cause an accident. Liability-only insurance might make sense if you have a tight budget or you drive infrequently.

However, experts generally recommend purchasing a full-coverage insurance policy for higher levels of protection. Full-coverage insurance includes collision coverage, which pays for your vehicle damages when you cause an accident. It also comes with comprehensive coverage, which covers theft and vehicle damages stemming from vandalism, weather-related damage, and other non-collision incidents.

If you lease or finance your vehicle, you may contractually need to purchase full-coverage insurance. But even if you own your car outright, a full-coverage policy can provide extra financial protection and peace of mind.

In Texas, State Farm and GEICO provide the cheapest car insurance for both liability-only and full-coverage car insurance.

Insurance CompanyAverage Monthly Quote: Liability Only

Average Monthly Quote:

Full Coverage

State Farm$65$84
GEICO$70$91
Allstate$91$118
USAA$115$149
Clearcover$150$185
Travelers$140$191
Progressive$108$194
Safeco$104$201
Direct Auto$173$224
Nationwide$190$224
Mercury$174$238
Midvale Home & Auto$147$238
Esurance$193$251
Kemper$146$282
State Auto$125$282
Dairyland$144$296
Liberty Mutual$194$307
Bristol West$203$318
The General$251$382
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Texas car insurance rates by driving and accident history

When you apply for an auto insurance policy, the insurance company will carefully review your driving record. If you have a history of violations, like speeding tickets, at-fault accidents, or DUI convictions, you’ll most likely pay a higher rate than drivers with clean records.

Below, you can see the cheapest car insurance companies in Texas based on driving records and accident history. These quotes are for a full-coverage policy.

Insurance CompanyAverage Monthly QuoteAverage Monthly QuoteAverage Monthly QuoteAverage Monthly Quote
State Farm$84$120$167$112
GEICO$91$130$181$122
Allstate$118$169$235$158
USAA$149$213$297$200
Clearcover$185$265$368$248
Travelers$191$273$380$256
Progressive$194$277$386$260
Safeco$201$287$400$269
Direct Auto$224$320$446$300
Nationwide$224$320$446$300
Mercury$238$340$473$318
Midvale Home & Auto$238$340$474$319
Esurance$251$358$499$336
Kemper$282$403$560$377
State Auto$282$403$560$377
Dairyland$296$423$589$397
Liberty Mutual$307$438$610$411
Bristol West$318$455$633$426
The General$382$546$760$512
Stillwater$439$628$874$588
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

SR-22 insurance in Texas

Texas requires certain high-risk drivers to file an SR-22 form. The forms are filed with the help of your auto insurer to prove you have the state minimum required insurance and financial stability.

You might need an SR-22 form if you get convicted of a DUI, get caught driving without a license, or have been found driving while uninsured multiple times. If you have an SR-22 form, you need to maintain it for two years, beginning on either the date of conviction or the date of the judgment against you.[4]

Not all car insurance companies in Texas offer SR-22 insurance. You can get this certificate from the following insurers:

  • USAA

  • Progressive

  • Allstate

  • Safeco

  • Liberty Mutual

  • Dairyland

  • Direct Auto

  • Mercury

Texas car insurance quotes by credit tier

“Insurance companies are allowed to use insurance credit scores in Texas,” says Trump. That means your credit score can affect your car insurance premium. Drivers with excellent or good credit scores generally pay lower rates than drivers with poor credit scores.

Car insurance quotes in Texas cities

While car insurance rates vary by state, the city you live in can also have an effect on your premium. For example, drivers who live in major cities might pay more than drivers who live in rural areas. Cities with a high risk of severe weather, like hurricanes, or a high vehicle theft rate, often have more expensive average premiums.

In the table below, you can see the cheapest cities in Texas for auto insurance, as well as their average premiums. Drivers in Waco pay the cheapest average rates in the state, while Houston drivers face the highest rates.

CityAverage Monthly QuoteCompared to State Average
Waco$190-21%
Killeen$222-8%
El Paso$224-7%
Denton$227-6%
Amarillo$229-5%
Fort Worth$232-4%
Plano$232-4%
San Antonio$233-4%
Austin$235-3%
Corpus Christi$238-1%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Population density can affect car insurance rates for an area, driving significant variations between cities and ZIP codes. For example, Houston is the largest city in Texas, with a population of more than 2.3 million, which likely contributes to the city’s comparatively high cost of car insurance. The table below illustrates where car insurance costs the most in Texas.

CityAverage Monthly QuoteCompared to State Average
Houston$306+27%
Katy$290+20%
Spring$284+17%
Grand Prairie$269+11%
Garland$266+10%
Beaumont$260+8%
Arlington$259+7%
Dallas$258+7%
Irving$253+5%
Lubbock$238-1%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Texas car insurance rates by driver age

Age has an effect on car insurance premiums. In general, young drivers pay the highest rates because they have less experience behind the wheel. As drivers get older, car insurance rates generally decrease if they maintain a good driving record. Texas teenagers earn the highest average rates in the state, at $433 per month.

Age GroupAverage Monthly Quote
Teenagers$433
Under 25$315
20s$246
30s$218
40s$201
50s$172
60s$164
70s$177
80+$185
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Texas car insurance FAQs

Purchasing car insurance requires thoughtful consideration. Find the answers you’re looking for about obtaining Texas car insurance below.

  • Who has the cheapest car insurance in Texas?

    State Farm, GEICO, and Allstate have the cheapest car insurance in Texas, with liability-only coverage ranging in cost from $65 to $91 per month. Full-coverage rates range between $84 and $118 per month. To find the cheapest rate for you, you’ll need to compare multiple quotes.

  • What is the required car insurance coverage in Texas?

    Drivers in Texas must purchase $30,000 per person and $60,000 per accident of bodily injury liability and $25,000 per accident for property damage liability. Together, these cover the costs of damages and injury you cause others in an accident, but many states require higher amounts of minimum coverage.

  • What are the best car insurance companies in Texas?

    The best auto insurers in Texas include USAA, GEICO, and State Farm — all of which offer a combination of reasonable rates, solid industry rankings, and high IQ Scores. USAA, the company ranked best overall, offers rates of $65 per month for liability and $84 for full coverage.

  • How does credit score affect car insurance premiums in Texas?

    Because Texas state law permits insurers to use credit history when determining premiums, drivers with poor credit may face higher rates. Insurers view poor credit as an indicator of a policyholder’s likelihood of filing a claim. Drivers with good credit tend to earn cheaper rates.

  • Is Texas a no-fault state?

    No. Texas is an at-fault state. This means the party that caused the accident must cover the expenses of damages and injury.

Insurify Insights

Insurify Insights

How Texas Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Texas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Texas drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Texas

#34

State with the Most Speeding Tickets Rank

#35

State with the Moving Violations Rank

#37

State with the Most DUIs Rank

#25

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Texas is the #32 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #32
    • Percent of drivers in Texas with an accident: 8.2%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Texas is the #37 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #37
    • Percent of drivers in Texas with a DUI: 1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Texas is the #43 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #43
    • Percent of drivers in Texas with a reckless driving offense: 0.9%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Texas is the #45 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #45
    • Percent of drivers in Texas with a rude driving violation: 1%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Texas is the #34 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #34
    • Percent of drivers in Texas with a speeding ticket: 7.5%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Texas is the #50 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #50
    • Percent of drivers in Texas with a failure to yield violation: 0%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. J.D. Power. "Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds." Accessed April 20, 2023
  2. J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds." Accessed April 20, 2023
  3. Texas Department of Insurance. "Automobile insurance guide." Accessed April 20, 2023
  4. Texas Department of Public Safety. "Section 9: SR-22 (Proof of Financial Responsibility)." Accessed April 20, 2023
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com