Best Car Insurance Companies in Texas (November 2026)
GEICO, Allstate, and USAA are the top insurers in Texas, offering competitive rates and coverage options.
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Writer: Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Writer: Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Qualifications:
Licensed property and casualty insurance agent
8+ years content and reporting experience
NPN: 22173027
Julia is a economic analyst and licensed insurance agent. She co-launched Insurify‘s podcast “No Dumb Questions“ in 2025.
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Editor: Evelyn PimplaskarEditor-in-Chief, Director of Content
Editor: Evelyn PimplaskarEditor-in-Chief, Director of Content
Qualifications:
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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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
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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Best car insurance companies in Texas
To find the best car insurance companies in Texas, we analyzed 120+ car insurance companies that operate in the Lone Star State. We prioritized affordability, customer service, discounts, and coverage options in our selection. Here are the Texas car insurance companies that rose to the top.
GEICO: Best for drivers with a clean record in Texas
| User Reviews | 4.1 |
|---|---|
| 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. | $67/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. | $141/mo |
4.1
Best choice in TexasBased on 21,370 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
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
Showing 75 reviews from Texas driversSee all 8,357 GEICO reviews
Verified Review
Reviewed in Texas on November 12, 2026
No issues with GEICO’s service. My issue is that they don’t seem to have much loyalty to good customers. I have no claims and a perfect driving record, and they still raised my premium by over 35%. That’s ridiculous, so I’ll be taking my business elsewhere.
Verified Purchase
Reviewed in Texas on November 10, 2026
Too high!
Verified Review
Reviewed in Texas on November 10, 2026
Do not use auto pay with GEICO. They increase rates, knowing people will most likely just accept them.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.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
Allstate: Best for infrequent drivers in Texas
| 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. | 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. | $104/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. | $159/mo |
3.9
A solid option in TexasBased on 12,595 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.4 | 2.9 |
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
Showing 75 reviews from Texas driversSee all 4,806 Allstate reviews
Verified Review
Reviewed in Texas on November 6, 2026
I have nothing but good things to say about Allstate Insurance, and I’ve felt that way for several years. I’ve found top-of-the-line coverage, pricing, and availability with Allstate, and my agent also deserves a mention in this positive review of my policy.
Verified Purchase
Reviewed in Texas on November 3, 2026
Make sure you know the discounts up front, because they changed my price dramatically due to a lack of prior insurance. I didn’t own a car before.
Verified Review
Reviewed in Texas on November 2, 2026
They give you a great rate, but then if you have any kind of claim—even if it’s not your fault—your rates increase to more than double.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.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
USAA: Best for military families in Texas
| 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. | $82/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. | $157/mo |
4.9
Best choice in TexasBased on 4,416 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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
Showing 51 reviews from Texas driversSee all 1,744 USAA reviews
Verified Review
Reviewed in Texas on November 12, 2026
You can’t beat USAA for their outstanding customer service. They complete any insurance claims you have without question; however, they are a little more expensive than everybody else.
Verified Review
Reviewed in Texas on October 24, 2026
Absolutely the best for more than 50 years.
Verified Review
Reviewed in Texas on October 20, 2026
Excellent coverage, but way too expensive. Over the last 62 months, I've only driven 21,000 miles total, and my premium is $243.00 a month. No discount for low-mileage drivers. I'm looking into changing insurance ASAP.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
710
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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
State Farm: Best for overall value in Texas
| User Reviews | 4.2 |
|---|---|
| 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. | 9.3 /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. | $46/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. | $88/mo |
4.2
Best choice in TexasBased on 21,719 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 8,313 State Farm reviews
Verified Review
Reviewed in Texas on November 7, 2026
Fine. I just want a discounted rate because of my driving record and low mileage.
Verified Review
Reviewed in Texas on November 7, 2026
The car insurance is great, but my monthly payment increased by ten dollars over six months. Not good. I have no accidents and no tickets, and I still got a rate increase—possibly because of my ZIP code/area. That just doesn’t seem right.
Verified Review
Reviewed in Texas on November 4, 2026
The best price I could find.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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
State Farm offers some of the lowest premiums in Texas, whether you need full coverage or basic liability. But Texas drivers don’t have to sacrifice coverage options, discounts, or customer service to get those low rates. In Texas, State Farm scores above average for overall customer satisfaction, according to J.D. Power.[1]
And 21,719 Insurify customers give State Farm high praise across multiple metrics, including 4.2 out of 5 for claims handling, 4.2 for overall experience, and 3.9 for value.
Pros
High customer satisfaction scores
Cheapest rates in Texas
Numerous discounts for further savings
Cons
Doesn’t offer accident forgiveness
No gap coverage available
May be significantly higher cost for drivers with violations
Progressive: Best for discounts in Texas
| JD Power JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 616 |
|---|---|
| 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. | 8.7 /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. | $116/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Texas for
Showing 75 reviews from Texas driversSee all 9,311 Progressive reviews
Verified Review
Reviewed in Texas on November 13, 2026
A deer hit me, and they totaled my car. I used to pay $89 a month for full coverage; now I pay $149 with just liability.
Verified Review
Reviewed in Texas on November 12, 2026
Things are good; I just wish I were paying a bit less.
Verified Review
Reviewed in Texas on November 9, 2026
I definitely would not recommend Progressive. I’ve been with them for five years, and I had my first accident ever at 49 years old. It was my fault, although it was minor, and my insurance doubled this year, so I’m really unhappy with them right now. I don’t have a good thing to say about Progressive at all. I called my broker or local agent to see if they could give me a better quote, and I never even heard back, so I’m switching to somebody else.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.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
Progressive’s average full-coverage and minimum-coverage rates are competitive in Texas, although it’s not the cheapest insurer. But it stands out for its range of discounts that can help Texas drivers lower their rates even more.
For example, Progressive offers significant savings for bundling auto and home policies and an average savings of 12% for insuring more than one vehicle with the company. Its good student discount is also generous, at 5% or more.
Pros
Competitive rates in Texas
Loan/lease payoff coverage available
Offers injury coverage for pets hurt in a covered accident
Cons
Below-average customer satisfaction in Texas, per J.D. Power
Accident forgiveness not available
Trustpilot score just 1.2 out of 5 stars
How we chose the best car insurance companies in Texas
Our editorial team analyzed regional and national auto insurance companies that sell policies in Texas to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Average cost of car insurance in Texas
The average cost of car insurance fell 6% last year nationwide, according to Insurify data. In Texas, the average cost of full-coverage car insurance fell nearly 8% by the end of 2025. Still, Texans pay more than the national average for car insurance. The state’s average monthly quote is $110 for liability-only insurance and $204 for full coverage, Insurify data shows.
Multiple factors explain why car insurance is expensive in Texas. The state experiences severe weather, from coastal storms and high winds to flooding and wildfires. Such weather events can lead to high claims costs for insurers.
Multiple urban areas with large populations, high accident rates, inflation, high speed limits, and a high percentage of uninsured drivers also contribute to Texas’ higher rates.[2]
But by the end of 2026, Insurify data scientists predict that Texas rates will increase just 0.3%.
Find Cheap Car Insurance in Texas
Rates start at $46/mo. for minimum coverage
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4.7 out of 5 based on 18,384 reviews
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How to get the best car insurance in Texas
Your lifestyle, location, and budget all matter when you’re searching for the best auto coverage in Texas. 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. Nearly 65% of Texas drivers own their cars free and clear, and those drivers could save by choosing a liability-only policy.
But even if you opt for liability-only coverage, it’s still a good idea to buy more than the Texas state minimums of 30/60/25. If you cause an accident that totals someone’s brand-new vehicle, property damage costs could easily exceed the state minimum of $25,000.
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.
Consider taking optional coverages, rather than opting out
Texas car insurance law doesn’t require you to buy uninsured motorist coverage or personal injury protection. But it does require insurers to automatically include it in every auto policy they sell in Texas.[3] If you don’t want it, you have to opt out.
But with about 12% of Texas drivers going uninsured, it’s a good idea to consider keeping those opt-out coverages. If an uninsured driver causes an accident that damages your car or injures you or your passengers, you’d either need to rely on your own insurance or sue the driver to recover financial damages.
In a state with a high number of uninsured drivers, adding uninsured motorist coverage and PIP to your policy can provide an added layer of protection.
Compare quotes
Shopping around is the best way to figure out what’s available and what policy is the best fit. Insurers selling policies in Texas have numerous rating factors to consider, from weather risks in a given area to vehicle theft rates. Each company weighs factors differently, which is why the same driver can see widely different rates from different companies.
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.
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 are the best car insurance companies in Texas?
GEICO, Allstate, and USAA are among 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 $46 per month. Rates will vary by location, driving record, and more individual rating factors.
How much car insurance do you need in Texas?
You’ll need at least $30,000 of bodily injury coverage per person, $60,000 of bodily injury per accident, and $25,000 of property damage coverage to legally drive in Texas.[4] And if you lease or finance your vehicle, your leasing company or lender will likely require you to buy full coverage.
Texas requires insurers to automatically include uninsured motorist coverage and personal injury protection in every policy, and you have to opt out if you don’t want them. But with 12% of Texas drivers going uninsured, keeping those optional coverages can offer you greater financial protection.
Sources
- J.D. Power. "J.D. Power 2025 U.S. Auto Insurance Study."
- Insurance Institute for Highway Safety. "Maximum posted speed limits."
- State of Texas. "Insurance Code."
- Texas Department of Insurance. "Auto insurance guide."
Methodology
Insurify data scientists analyzed more than 250 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
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How Much Is Car Insurance for an 18-Year-Old in Texas?
Texas 18-year-olds pay an average of $312 per month for car insurance. Most qualify for a full, unrestricted license, but adding them to a parent’s policy can increase premiums because insurers consider them high risk.
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Can You Own a Car Without Insurance in Texas?
You’ll likely need insurance when you own a car in Texas, since the Lone Star State requires most drivers to provide proof of insurance to complete registration.
Why Is Car Insurance So Expensive in Texas?
The average annual car insurance premium in Texas is $2,470, which is 15% higher than the U.S. average of $2,144.
Non-Owner Car Insurance in Texas
Non-owner car insurance costs about $50 per month in Texas and can protect your finances if you’re involved in a serious accident.
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Is It Illegal to Drive With Headphones in Texas?
Texas doesn’t have any law that specifically bans wearing headphones while driving. But if your headphones distract you from driving safely, they could lead to a ticket.
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How Long Do You Have to Get Insurance on a Used Car in Texas?
If you buy a used car in Texas, you’ll need insurance before you can drive it home. If you have an existing policy, it’ll cover the car for 20 days.
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Accident With an Uninsured Driver? Here’s What to Do in Texas
If an uninsured driver in Texas hits you, uninsured motorist coverage can help pay for your damages and injuries.
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How Long Do Insurers Have to Investigate a Claim in Texas?
Insurers in Texas have a maximum of 75 days to investigate your claim, though the process doesn’t always take this long. Your exact timeline depends on your claim and insurer.
Uninsured Motorist Coverage in Texas: What to Know
Uninsured motorist (UM) coverage can pay for your medical bills and vehicle repairs if an uninsured driver causes an accident. In Texas, UM coverage is optional.
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What Does Comprehensive Car Insurance Cover in Texas?
Comprehensive car insurance in Texas covers theft, vandalism, and weather damage to your vehicle.
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Can You Drive Your Parents’ Car With Their Insurance in Texas?
Your parents’ insurance will typically cover you when you drive their car, but it won’t if you use the vehicle for an excluded purpose, like food delivery.
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Is Texas a No-Fault State for Auto Insurance?
Texas isn’t a no-fault state — it’s an at-fault state. That means the at-fault driver’s insurance pays for the other party’s damages.
Classic Car Insurance in Texas
Texas drivers should consider classic car insurance to protect their high-value vehicles against the heat, hurricanes, and tornadoes.
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Texas Car Accident Laws and Regulations
Texas law requires the person responsible for a car accident to pay for injuries and damage.
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Can You Drive in Texas With a Foreign License?
You can drive in Texas with a foreign license for up to one year or until you become a Texas resident, whichever comes first.
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What to Know About Personal Injury Protection Coverage in Texas
Texas insurers must include personal injury protection in all auto policies, but drivers can choose to opt out of the coverage.
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What Happens If Someone Borrows Your Car and Gets Into an Accident in Texas
If someone borrows your car in Texas, financial responsibility depends on their relationship with you, whether they had permission to borrow your car, and the purpose of their use.
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How Long Do You Have to Get Insurance on a Used Car in Texas?
You need to get car insurance right away when you buy a used car. But if you already have car insurance, you may be able to use that coverage temporarily.
Cheapest Car Insurance Quotes in Texas
State Farm offers the cheapest car insurance in Texas, with an average monthly premium of $46 for minimum coverage. Compare real-time quotes for Texas drivers and buy your policy online in minutes.
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Cheapest Car Insurance Quotes in Port St. Lucie, Florida (November 2026)
State Farm provides the cheapest car insurance in Port St. Lucie, with an average liability rate of $78 per month. Storm flooding can affect driving conditions in Port Saint Lucie, especially on roads like Westmoreland Boulevard, Morningside Boulevard, Ballantrae, and Tesoro.
Cheap Car Insurance Quotes in Abilene, Texas (November 2026)
State Farm is the cheapest car insurance company for Abilene drivers, with rates at $41 per month. Local West Texas factors like severe thunderstorms and hail can increase your insurance rates.
Cheapest Car Insurance Quotes in Amarillo (November 2026)
State Farm offers Amarillo drivers the most affordable car insurance, followed by Progressive and Mile Auto. With a lower population than many Texas cities, Amarillo drivers pay lower car insurance rates than the rest of the Lone Star State.
Cheap Car Insurance Quotes in Arlington, Texas (November 2026)
State Farm offers some of the cheapest car insurance in Arlington, Texas, with an average monthly premium of $51 for liability coverage. Event traffic around AT&T Stadium and congestion along I-20 and I-30 may influence crash risk and insurance rates.
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Cheap Car Insurance Quotes in Austin, Texas (November 2026)
State Farm offers the cheapest liability car insurance rates in Austin, at $51 per month. The city’s high vehicle theft rate increases insurers’ risk and drives up costs for Austin drivers.
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Cheapest Car Insurance Quotes in Beaumont (November 2026)
The cheapest car insurance in Beaumont comes from State Farm, with an average liability-only rate of $53 per month. Beaumont’s location along the Gulf Coast, combined with an $850 million I-10/US 69 project that’s reshaping traffic patterns, puts extra pressure on local car insurance rates.
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Cheapest Car Insurance Quotes in Brownsville, Texas (November 2026)
State Farm is the cheapest auto insurance company in Brownsville, with rates of $49 per month. Brownsville drivers face a seasonal risk of rain and wind damage from tropical storms, which increases full-coverage pricing.
Cheap Car Insurance Quotes in Corpus Christi, Texas (November 2026)
State Farm offers the best rates on Corpus Christi car insurance, at $51 per month for minimum coverage. Auto theft rates are high, though, making full coverage worth the extra cost.
Cheapest Car Insurance Quotes in Dallas (November 2026)
State Farm offers Dallas drivers the cheapest car insurance rates, at $56 per month for liability coverage. But Dallas drivers face above-average rates, possibly due to heavy traffic congestion and high vehicle theft rates.
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Cheapest Car Insurance Quotes in Denton (November 2026)
Most Denton drivers find that State Farm offers the lowest auto insurance rates, at $47 per month. Heavy traffic from I-35 and a seasonal abundance of college students can make driving in Denton challenging.
Cheapest Car Insurance Quotes in El Paso (November 2026)
State Farm is the cheapest insurer in El Paso, with an average monthly rate of $43 for liability-only coverage. El Paso’s relatively light traffic and low vehicle theft rate make it an affordable city for auto coverage.
Cheapest Car Insurance Quotes in Fort Worth (November 2026)
Fort Worth drivers can find the lowest car insurance rates from State Farm, with liability coverage averaging $48 per month. High vehicle theft rates and frequent hailstorms may influence how much you pay for auto insurance in Fort Worth.
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Cheapest Car Insurance Quotes in Galveston, Texas (November 2026)
State Farm is the cheapest auto insurance option in Galveston, with liability rates of $51 per month. Heavy congestion, especially during tourist season, affects the city’s rates.
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Cheap Car Insurance Quotes in Garland, Texas (November 2026)
State Farm has the lowest average car insurance rates in Garland, at $54 per month for liability coverage. Garland is a suburb of Dallas, so it sees more commuting congestion, higher vehicle theft rates, and higher car insurance costs.
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Cheapest Car Insurance Quotes in Grand Prairie, Texas (November 2026)
State Farm is the cheapest insurer in Grand Prairie, with an average liability rate of $51 per month. Right in the middle of Dallas and Fort Worth, Grand Prairie experiences heavy traffic, which insurers consider when setting rates.
Cheapest Car Insurance Quotes in Houston (November 2026)
State Farm offers the cheapest car insurance in Houston, with liability rates averaging $66 per month. Houston’s hurricane exposure and high road congestion contribute to the city’s higher premiums.
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Cheap Car Insurance Quotes in Huntsville, Texas (November 2026)
State Farm is the cheapest insurer in Huntsville, with a monthly rate of $46 for liability coverage. Huntsville’s low car theft rate can translate to lower car insurance costs.
Cheapest Car Insurance Quotes in Irving, Texas (November 2026)
Drivers in Irving, Texas, can find the cheapest rates with State Farm, at $52 per month. Irving’s premiums may be influenced by its thousands of traffic crashes each year and heavy commuter traffic through the Dallas-Fort Worth metro area.
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Cheap Car Insurance Quotes in Katy, Texas (November 2026)
State Farm offers the cheapest car insurance in Katy, with an average rate of $58 per month. Several areas of the Katy Freeway are listed in the top 100 most congested road segments in Texas. Increased congestion has led to collision hot spots with crash rates above the state and national averages.
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Cheap Car Insurance Quotes in Killeen (November 2026)
State Farm offers the cheapest car insurance in Killeen, with an average liability-only price of $45 per month. Heavy traffic along U.S. 190 and near Fort Hood also influences costs in the area.
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Cheapest Car Insurance Quotes in Laredo (November 2026)
State Farm has the cheapest car insurance in Laredo, with average rates of $47 per month. Heavy traffic on U.S. Highway 83 and Interstate 35 can influence local rates.
Cheapest Car Insurance Quotes in Lubbock, Texas (November 2026)
State Farm is the best option for cheap car insurance in Lubbock, with rates starting at $45 per month. Find out how to compare car insurance rates to get the best deal.
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Cheap Car Insurance Quotes in McAllen, Texas (November 2026)
State Farm has the cheapest car insurance in McAllen, at an average of $53 per month for liability coverage. McAllen faces severe storm threats, pushing its rates slightly above the state average.
Cheapest Car Insurance Quotes in Mesquite, Texas (November 2026)
The cheapest insurance company in Mesquite, Texas, is State Farm, with an average monthly premium of $55 for liability-only coverage. Mesquite’s high rate of accidents, fatal crashes, and exposure to wind and hurricanes play a part in its average premiums.
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Cheapest Car Insurance Quotes in Midland, Texas (November 2026)
The cheapest car insurance in Midland is from State Farm, with liability rates of $45 per month. Heavy, oilfield‑related traffic in areas like Loop 250 and Interstate 20 increases collision risk and affects how much you’ll pay for coverage.
Cheap Car Insurance Quotes in New Braunfels, Texas (November 2026)
State Farm has the cheapest car insurance in New Braunfels, with an average monthly liability rate of $44. Visiting and residential drivers should stay alert to the major roadway improvement projects taking place over the next few years.
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Cheap Car Insurance Quotes in Odessa, Texas (November 2026)
State Farm offers the cheapest car insurance in Odessa, Texas, with premiums averaging $51 per month. Odessa has one of the country’s highest vehicle theft rates — a major factor contributing to the city’s higher auto insurance costs.
Cheapest Car Insurance Quotes in Plano, Texas (November 2026)
State Farm offers the lowest car insurance rates in Plano, charging an average of $49 per month for minimum coverage. Plano is generally a very safe place to drive, but plenty of Dallas-based traffic congestion flows through this affluent suburb, which can keep costs elevated.
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Cheapest Car Insurance Quotes in San Antonio (November 2026)
State Farm offers San Antonio drivers the lowest car insurance rates, at $52 per month. San Antonio’s heavy traffic congestion contributes to its higher-than-average car insurance costs.
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Cheapest Car Insurance Quotes in San Marcos, Texas (November 2026)
State Farm offers the cheapest car insurance quotes in San Marcos, with rates at $47 per month. San Marcos is at risk of natural hazards, like tornadoes, hail, and wildfires, which can affect the cost of car insurance.
Cheapest Car Insurance Quotes in Spring, Texas (November 2026)
The cheapest insurance in Spring, Texas, is available from State Farm, averaging $56 per month. Heavy traffic on Interstate 45 and car theft can affect rates.
Writer: Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Writer: Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Qualifications:
Licensed property and casualty insurance agent
8+ years content and reporting experience
NPN: 22173027
Julia is a economic analyst and licensed insurance agent. She co-launched Insurify‘s podcast “No Dumb Questions“ in 2025.
Editor: Evelyn PimplaskarEditor-in-Chief, Director of Content
Editor: Evelyn PimplaskarEditor-in-Chief, Director of Content
Qualifications:
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.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
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.