Best Car Insurance Companies in Texas (April 2026)
GEICO, Allstate, and USAA are the top insurers in Texas, offering competitive rates and coverage options.
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Written byJulia Taliesin
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Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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Edited byEvelyn Pimplaskar
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Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Every driver has a unique profile that insurers consider when setting rates. Your neighbor might recommend their insurance company, but if you have different driving habits, you could possibly find a better policy from another insurer.
Comparing car insurance rates will always help you find the best fit, but finding the best coverage can be time-consuming. To help you find the best car insurance in Texas, Insurify analyzed 155 insurers based on criteria including customer satisfaction, discounts, affordability, availability, and financial strength.
Quick Facts
State Farm offers the cheapest rates for auto insurance in Texas, with liability-only rates as low as $43 per month.
Texans pay above-average rates for car insurance.
According to the latest report from the Insurance Research Council, approximately 13.8% of Texas drivers don’t have car insurance.[1]
Best car insurance companies in Texas
Insurify prioritized affordable rates and quality customer service when researching the best car insurance companies in Texas. GEICO, Allstate, and USAA offer cheaper-than-average rates to Texas drivers and rank well in overall customer satisfaction.
Insurance Company | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Liability Only | Full Coverage | Best For |
|---|---|---|---|---|
| GEICO | 9.2 | $70 | $147 | Drivers with a clean record |
| Allstate | 8.9 | $61 | $119 | Infrequent drivers |
| USAA | 9.1 | $78 | $150 | Military families |
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for drivers with a clean record: GEICO
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $147/mo |
3.9
A solid option in TexasBased on 17,669 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 reviews from Texas drivers - See all 7,658 GEICO reviews
Jerry
Verified Review
Great service for 10 years
Reviewed in Texas on April 21, 2026
They were great. I just lost a big part of my income, so I had to find cheaper insurance.
Cathy
Verified Review
Excellent
Reviewed in Texas on April 18, 2026
They pay claims very well. That is very important to me.
Juanita
Verified Review
Avoid Geico
Reviewed in Texas on April 12, 2026
Pass on Geico. The website is horrible; it's hard to get in touch with a live person; they raised my rate by $60 on renewal.
William
Verified Review
Once upon a time they were affordable...
Reviewed in Texas on April 4, 2026
After 11 loyal years with Geico, once deregulation was in effect, their base rates skyrocketed. It's hard for seniors on a fixed income.
Eric
Verified Review
Auto Insurance
Reviewed in Texas on April 2, 2026
Informed, good customer service.
Lorin D
Verified Review
Not the cheapest, but they seem to be there for you
Reviewed in Texas on April 1, 2026
The car insurance seems a little expensive. I wanted to have some extras with it like towing, which was a bit pricey. However, I like the fact that I could sign up with them personally without needing to provide information on my entire family, who have their own vehicle and motorcycle insurance. They are pretty much the same price as the rest, but a little on the higher range.
Martin
Verified Review
GEICO is one of the worst
Reviewed in Texas on April 1, 2026
They base rates on being part of a driver program. If you don’t participate, rates rise over 50%.
Alejandro
Verified Review
They Couldn't Care Less
Reviewed in Texas on March 26, 2026
The cost of a 6-month policy is the lowest I've been able to find. Every other insurer has yet to match or beat it. It came with a little more coverage than any other insurer has offered. Although they give you a discount for initiating Easy Drive, which monitors one's driving and driving habits, the app is so messed up (as in making outrageous claims of unsafe driving), I know I cannot expect them to offer to continue the discount or increase it at the end of the term when the app makes a report, or they review the driving data collected. The app is NOT trustworthy because of its flawed and erroneous assumptions. I could not believe it admonished my driving because it found an app open on my phone. "Yeah, the app Easy Drive which they insist one have open during trips," so that it can take in and record the data. Easy Drive is a joke. When I read the first report I looked at, I wondered if the report stated what it stated so that I would be found ineligible for a continued discount. After reading a couple of other reports, I am convinced this tongue-in-cheek accusation of mine to be a fact. My driving record is, after 45 years of driving, immaculate. Yet insurance companies want nearly 500 USD or more for a 6-month STATE MINIMUMS LIABILITY ONLY policy. I have proven that I am not a liability to them. When are insurers going to appreciate me for that?
Laura
Verified Review
Insurance is Theft
Reviewed in Texas on March 26, 2026
Still costs too much but less than everyone else.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO’s average rates in Texas are already low, and drivers who are accident-free for five years can qualify for a 22% premium discount. GEICO offers 15 additional discounts, including ones for good students, military personnel, having multiple vehicles, and more. Since the insurer also sells homeowners, life, renters, boat, motorcycle/ATV, and business insurance, you could also secure savings by bundling another GEICO policy with your auto insurance.
Texas drivers can file claims quickly by phone, online, or through GEICO’s mobile app. GEICO has excellent financial strength and credit ratings from AM Best, which means it’s well-positioned to meet its claims obligations.
Pros
Below-average rates in Texas
Highly rated mobile app
Above-average J.D. Power customer satisfaction scores in Texas
Cons
Below-average J.D. Power claims satisfaction nationwide
Higher rates for drivers with DUIs
Gap coverage not available
Best insurer for infrequent drivers: Allstate
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
3.8
A solid option in TexasBased on 10,404 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 reviews from Texas drivers - See all 4,410 Allstate reviews
Bennie
Verified Review
Overpriced!
Reviewed in Texas on April 23, 2026
Price too high for liability coverage on one car.
Phillip
Verified Review
Need to find good insurance
Reviewed in Texas on April 21, 2026
They keep increasing their prices.
Stanley
Verified Review
Allstate Insurance Company
Reviewed in Texas on April 20, 2026
Shop around for the same coverage at a better price.
Bridget
Verified Review
Thankful for an Expeditious Claim
Reviewed in Texas on April 20, 2026
I canceled my Allstate policy due to limited coverage; I should have inquired prior to accepting, but I received excellent customer service from the representative who explained in depth why this was the case. The claim was handled expeditiously and very professionally by Mr. Peterson. Tips for friends: ask questions. My dad was an Allstate customer for many years. Continued success Allstate. Blessings!
Marie
Verified Review
Allstate
Reviewed in Texas on April 14, 2026
I am currently with Allstate and I’m very happy with them.
Mark
Verified Review
High Car Insurance
Reviewed in Texas on April 14, 2026
Prices are too high for how little I drive.
Ronnie
Verified Review
Allstate
Reviewed in Texas on April 9, 2026
A little too pricey.
Marie
Verified Review
Allstate
Reviewed in Texas on April 5, 2026
Allstate is good, about average in price. Customer service is excellent.
Ramiro
Verified Review
Questionable about the motto they advertise "You're in good hands with Allstate" does not jive with me!
Reviewed in Texas on April 5, 2026
The driving record for my wife and me really doesn’t reflect the driving discounts I think we should be receiving. $300+ per month, in my opinion, vs what I see does not reflect the discount I should be receiving!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate’s Milewise pay-per-mile car insurance is a great option for infrequent or low-mileage drivers. The insurer offers competitive average rates in Texas, but some drivers could pay even less with a pay-per-mile policy. Here’s how it works: Your daily base rate and per-mile rate add up to your monthly insurance premium.
Allstate uses a device placed in your car to track the miles you drive and a mobile app so you have transparency into your driving and costs. Texas drivers can save even more with Allstate’s numerous discounts and rest easy knowing Allstate has the financial and credit strength to pay claims.
Pros
Offers car insurance for travel to Mexico
Above-average claims satisfaction nationwide, according to 2024 J.D. Power study
Discounts for bundling policies, new cars, and more
Cons
Average J.D. Power customer satisfaction rating in Texas
Low customer ratings on Trustpilot
Rates are merely average compared to other insurers
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $150/mo |
4.9
Best choice in TexasBased on 3,480 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Members of the military community
Outstanding customer service
Competitive rates
Showing 45 reviews from Texas drivers - See all 1,545 USAA reviews
Nancy
Verified Review
USAA has the best auto rates in Texas!
Reviewed in Texas on April 12, 2026
USAA was the perfect fit for me. They had lower rates than any other agency. I’m retired and like to have lower rates because I drive 1,000 miles per year. So, I’ll stay with USAA as long as they are the best for people who drive less than working people.
Clifford
Verified Review
USAA - Our Insurance Agent for 55 Years
Reviewed in Texas on April 4, 2026
Service is adequate.
Scott
Verified Review
Way too expensive
Reviewed in Texas on March 29, 2026
Costs double the price of other insurers.
Esther
Verified Review
USAA Auto Insurance
Reviewed in Texas on March 24, 2026
The car insurance is very expensive. It is good insurance if you can afford it, but I am getting to where I can no longer afford it. I am looking around now for good insurance that I can afford and not break the bank. USAA is very good, but it's just too expensive for me.
Charles
Verified Review
Sparks's Review
Reviewed in Texas on March 8, 2026
They are a good company and provide excellent customer service, but they have increased their prices so much! That is my reason for leaving them. We have had them for over 40 years!
Paul
Verified Review
Discount Restrictions
Reviewed in Texas on February 22, 2026
I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.
Alex
Verified Review
Poor
Reviewed in Texas on February 19, 2026
Be careful because they were raising rates on us.
Harvey
Verified Review
Overall Outstanding Service
Reviewed in Texas on February 18, 2026
Excellent and professional service. My minor complaint is that it is somewhat expensive.
William
Verified Review
Excellent
Reviewed in Texas on February 16, 2026
Great service, expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA provides insurance coverage for active-duty military members, veterans, and their families. Since Texas is home to 15 active-duty military installations and more than 1.5 million veterans, many Texans can take advantage of USAA’s great rates. The insurer even offers a discount to people living on a military base.
USAA also sells homeowners, renters, life, and health insurance, so auto policyholders can save by bundling policies. USAA has high customer satisfaction ratings in Texas and claims satisfaction scores nationwide, according to 2024 J.D. Power studies.
Pros
SafePilot telematics safe driving program offers discount of up to 30%
Below-average rates in Texas
A++ (Superior) financial strength rating from AM Best
Cons
Only available to active-duty or retired military personnel and their families
Live 24/7 customer support not available
Above-average volume of consumer complaints in the National Association of Insurance Commissioners’ index
How to find the best car insurance for you
Your lifestyle, location, and budget all matter when you’re searching for the best auto coverage. Here are some tips to start the process:
Consider coverage levels
Liability-only insurance is typically cheaper than full coverage. If you lease or finance your car, your leasing company or lender will require you to have full-coverage car insurance. Minimum insurance requirements differ by state, but liability-only insurance could save you money if you own an older vehicle or don’t drive much.
Keep in mind that carrying only state-minimum coverage can leave you vulnerable to a substantial financial loss from an at-fault accident. Research the different types of coverage to find what fits.
Think about your driving habits
Your driving record affects your rates significantly, and knowing your habits can help you pick the best policy. For example, if you’ve received a speeding ticket, you may want to look for companies with lower rates for drivers with an incident. Or, if you drive infrequently, you may save money with pay-per-mile coverage.
Compare quotes
Shopping around is the best way to figure out what’s available and what policy is the best fit.
Ask about discounts
Most insurers offer discounts for safe driving, insuring multiple vehicles, bundling policies, vehicle safety features, and more. Ask an agent what discounts are available.
Find Cheap Car Insurance in Texas
Rates start at $43/mo. for minimum coverage
Excellent
4.7 out of 5 based on 13,899 reviews
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Average cost of car insurance in Texas
The average cost of car insurance increased by 24% last year nationwide, according to Insurify data. Texans pay more than the national average for car insurance. The state’s average monthly quote is $111 for liability-only insurance and $207 for full coverage, Insurify data shows.
In 2024, car insurance costs spiked 15% nationwide by mid-year. The average price of full-coverage car insurance continues to rise nationwide, and Insurify data scientists predict a 23% average increase in Texas by the end of 2024.
The below rates in Texas are estimated rates current as of: Wednesday, April 22 at 12:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $43 | $84 |
| Allstate | $61 | $119 |
| Mile Auto | $63 | $133 |
| Progressive | $64 | $122 |
| GEICO | $70 | $147 |
| USAA | $78 | $150 |
| Mercury | $87 | $138 |
| First Acceptance | $91 | $217 |
| The General | $92 | $204 |
| Alinsco | $94 | $181 |
| Lone Star | $96 | $225 |
| Nationwide | $98 | $188 |
| Commonwealth Casualty | $99 | $218 |
| Freedom National | $99 | $253 |
| Dairyland | $100 | $240 |
| GAINSCO | $101 | $192 |
| Bristol West | $103 | $196 |
| Clearcover | $103 | $176 |
| Root | $104 | $168 |
| Mendota | $106 | $206 |
| Covercube | $107 | $246 |
| AssuranceAmerica | $109 | $206 |
| Sun Coast | $116 | $229 |
| Safeco | $116 | $169 |
| Direct Auto | $117 | $181 |
| National General | $118 | $193 |
| Loop | $122 | $221 |
| Elephant | $123 | $187 |
| Chubb | $132 | $254 |
| Trexis One | $136 | $275 |
| 21st Century | $153 | $293 |
| Liberty Mutual | $188 | $268 |
On Insurify's secure site
4.8/5
Disclaimer: Table data sourced from real-time Texas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Texas may vary based on the policy buyer's unique driver profile.
Why is car insurance in Texas so expensive?
Texas doesn’t have the highest premiums in the country (Maryland currently does), but Texans pay rates that are higher than the national average. Multiple factors affect the cost of car insurance, but inflation and severe weather are mainly responsible for Texas’ higher rates.
The rising cost of labor, repairs, and new-car prices mean even small accidents can result in expensive claims. Natural disasters like hurricanes, tornadoes, and hailstorms are driving weather-related claims in new areas. For example, Houston drivers face higher premiums than Austin or Dallas drivers, according to Insurify data.
As you search for the best car insurance, comparing quotes will help you find the most affordable coverage in your area since location is a significant factor affecting premiums.
Compare Car Insurance Quotes
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How much car insurance coverage you need in Texas
Texas law requires all drivers to have at least $30,000 of bodily injury protection per person, up to $60,000 per accident, and $25,000 of property damage liability insurance. You may also see this written as 30/60/25 coverage.[2]
Type of Liability Coverage | Amount Texas Requires |
|---|---|
| Bodily injury liability (per person) | $30,000 |
| Bodily injury liability (per accident) | $60,000 |
| Property damage liability (per person) | $25,000 |
State-minimum vs. full coverage
Whether you should get liability-only or full-coverage car insurance may not be entirely up to you. For example, if you lease or finance your vehicle — meaning you still owe money on your loan or lease — your leasing company or lender will require you to have collision and comprehensive coverage in addition to minimum liability coverage.
If you own your car outright, full coverage may still be the best option since it’ll help protect your financial investment in your vehicle. If your vehicle is older and worth less than a full-coverage policy or you have enough money to cover unexpected damages out of pocket, liability-only coverage could save you money on premiums.
The Texas Department of Insurance recommends drivers consider buying more liability coverage than the state’s minimums. If you cause an accident and damage costs exceed your liability coverage limits, you’ll be responsible for paying the rest out of pocket.
For Example
The average cost of a new car was $48,759 at the end of 2023, according to Kelley Blue Book.[3] If you’re at fault in an accident that totals the other driver’s new car, the cost to replace the vehicle will likely be much higher than the Texas state minimum of $25,000 for property damage.
Best car insurance in Texas FAQs
Searching for the best car insurance in the state of Texas can be time-consuming, so here’s some additional information to help you along the way.
What is the best car insurance in Texas?
GEICO, Allstate, and USAA are the top insurers selling coverage in Texas, based on Insurify’s analysis. But the best car insurance company for you will depend on your needs and unique driver profile.
What is the cheapest car insurance in Texas?
The cheapest Texas car insurance company is State Farm, with an average liability-only rate of $43 per month. Rates will vary by location, driving record, and more individual rating factors.
What car insurance discounts should I look for in Texas?
Look for any and all discounts. You can get discounts for bundling your insurance policies and insuring multiple vehicles with the same company, having safety features, maintaining a clean driving record, and more.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Research Council (IRC). "Uninsured Motorists 2017-2022."
- Texas Department of Insurance. "Auto Insurance Guide."
- Kelley Blue Book. "Can I Afford a Car in 2024?."
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Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.