Best Car Insurance in Texas

Q: How much car insurance is required in Texas?

Texas' minimum car insurance requirements include: Bodily Injury Liability: $30,000 per person/$60,000 per accident Property Damage Liability: $25,000 per accident Personal injury protection (PIP) isn't mandatory, but insurers must offer it. Most policies include $2,500, $5,000 or $10,000 PIP options.

Get the best car insurance in Texas with low rates starting at $41 monthly from top providers like State Farm and GEICO.

Discover if you're overpaying for car insurance in Texas below.

Written by Mark Fitzpatrick

Updated: February 3, 2026

Advertising & Editorial Disclosure

Best Car Insurance in Texas: Fast Facts

We analyzed auto insurance providers across all Texas ZIP codes based on affordability (cost and discounts), customer service and coverage. Here are the best car insurance companies in Texas (Click on each category to learn more about the winners):

Best by Rating:

Best Cheap Overall: State Farm
Coverage Options: Progressive

Best by Driver and Coverage:

Minimum Coverage Car Insurance: State Farm
Full Coverage: State Farm
Seniors (65+): State Farm
Young Drivers (16 to 25): State Farm
Adults (26 to 64): State Farm
Drivers With Violations: State Farm
Those With Bad Credit: Progressive

To ensure you get a good deal on Texas auto insurance, we also provided answers to common questions about the topic (Click to learn more).

Best Car Insurance Companies in Texas

State Farm ranks as the top choice for most Texas drivers, particularly young drivers and those with traffic violations. GEICO delivers the lowest rates for drivers with bad credit or limited income.


State Farm	4.74	$67	3	6
Geico	4.48	$83	6	6
Mercury Insurance	4.41	$93	5	4
AAA	4.34	$95	4	6
Progressive	4.21	$118	2	2
Germania Insurance	3.68	$108	10	7

How We Chose the Best Car Insurance Companies in Texas

Across all ZIP codes and cities in Texas, we examined car insurance rates for all common driver profiles, types of coverages and vehicles to determine cost estimates. We used three criteria to score providers: affordability (60%), customer experience (30%) and coverage options (10%). Average monthly rate refers to the overall rate across all quotes we studied.

LEARN MORE ABOUT THE BEST CHEAP AUTO INSURANCE IN TEXAS

Get more in-depth information about the best vehicle insurance in Texas for your profile:

State Farm: Best Overall and Best for Young Drivers or Those With a Violation

pros

Cheapest premiums among major Texas insurers
Extensive local agent network
Fast storm damage claims

cons

Fewer coverage choices than competitors
Service quality varies by location
Higher rates for drivers with clean records

COMPANY HIGHLIGHTS

State Farm delivers the best value for most Texas drivers, especially young drivers and those with traffic violations. Adults pay $68 monthly, seniors pay $76 and drivers with speeding tickets pay $67. Young drivers pay around $151 monthly. State Farm earned a perfect 5.0 affordability rating and ranks first among Texas insurers.

State Farm includes pet injury protection, custom parts coverage and gap insurance for underwater loans beyond standard liability, collision and comprehensive. The 3.3 coverage rating reflects protection against hail damage, flooding and vehicle theft.

Hundreds of Texas offices provide service from agents who know local driving conditions. The mobile app lets you file claims 24/7 with photo uploads. State Farm handles severe weather claims faster than most Texas competitors and earned a 4.7 customer experience rating, ranking third among Texas insurers.

Read our review: State Farm Car Insurance Review

GEICO: Cheap for Drivers With Bad Credit or Low Income

pros

Lowest premium rates statewide
Claims often settled within days
Strong weather damage coverage

cons

Few in-person service locations
Fewer coverage choices than competitors
Not always the absolute cheapest

COMPANY HIGHLIGHTS

GEICO offers the lowest rates for low-income Texas drivers. Low-income drivers pay $52 monthly for minimum coverage and $124 for full coverage. GEICO ranks second among Texas insurers with 4.6 ratings for both affordability and customer experience.

GEICO includes pet injury protection up to $500, rideshare insurance for Uber and Lyft drivers, and protection against hail damage and auto theft. The 3.3 coverage rating reflects adequate protection. Emergency roadside service and rental reimbursement help Texas drivers.

Claims handling runs through a 24/7 mobile app and dedicated Catastrophe Response Teams for Texas weather events. Round-the-clock support and faster-than-average repair times make up for ranking sixth in customer experience. Local agent support spans Texas.

Read our review: GEICO CAR Insurance Review

Best Car Insurance in Texas by City

State Farm leads in Texas' major cities, offering the most competitive rates and comprehensive coverage from Brownsville to Austin. The insurer ranks first in 20 of Texas's largest metropolitan areas.


Abilene	State Farm	$61	3	6
Allen	State Farm	$87	3	6
Amarillo	State Farm	$69	3	6
Arlington	State Farm	$79	3	6
Austin	State Farm	$69	3	6
Beaumont	State Farm	$83	3	6
Brownsville	State Farm	$79	3	6
Carrollton	State Farm	$85	3	6
College Station	State Farm	$71	3	6
Corpus Christi	State Farm	$73	3	6
Dallas	State Farm	$84	3	6
Denton	State Farm	$66	3	6
El Paso	State Farm	$75	3	6
Fort Worth	State Farm	$73	3	6
Frisco	State Farm	$75	3	6
Garland	State Farm	$92	3	6
Grand Prairie	State Farm	$89	3	6
Houston	State Farm	$84	3	6
Irving	State Farm	$81	3	6
Killeen	State Farm	$67	3	6
Laredo	State Farm	$85	3	6
Lubbock	State Farm	$67	3	6
McAllen	State Farm	$76	3	6
McKinney	State Farm	$68	3	6
Mesquite	State Farm	$99	3	6
Odessa	State Farm	$71	3	6
Pasadena	State Farm	$84	3	6
Pearland	State Farm	$75	3	6
Plano	State Farm	$76	3	6
San Antonio	State Farm	$77	3	6
Tyler	State Farm	$70	3	6
Waco	State Farm	$65	3	6
Wichita Falls	State Farm	$61	3	6

How to Find the Best Car Insurance in Texas

Follow these steps to find the best car insurance in Texas.

1
Assess Your Coverage Needs
Match your coverage to your driving habits, vehicle value and location. Houston and Dallas drivers need higher liability limits due to dense traffic and more accidents. Pick a deductible you can afford to pay. Use our car insurance needs calculator to pick appropriate coverage amounts.
2
Study Costs and Available Discounts
Know what Texas drivers like you usually pay to spot good deals. Research average costs for your driver profile. Check our cheapest auto insurance guide to see which companies charge the least. Write down every discount you qualify for: safe driver, multi-policy, defensive driving course.
3
Evaluate Company Reliability
Look up financial stability and customer satisfaction before you buy. Check A.M. Best ratings for financial strength, J.D. Power scores for satisfaction and NAIC complaint ratios for service quality. Review what each company covers. Read Trustpilot reviews to see how fast they process claims and handle customer service.
4
Gather Multiple Price Quotes
Request quotes from at least five insurers. Use company websites, independent agents, captive agents and comparison sites. Each gives different rates. Make sure all quotes include identical coverage limits and deductibles so you can compare accurately. Write down each quote's coverage details and discounts.
5
Review Annually for Savings
Rates change constantly due to market shifts, claims data and new regulations. Set a calendar reminder to shop for new quotes at renewal. Your life changes (new job, moved, clean driving record) qualify you for new discounts or different coverage needs.

Best Auto Insurance in Texas: FAQ

Find answers to common questions about choosing car insurance in Texas.

Who are the cheapest car insurance providers in Texas?

State Farm offers the lowest rates in Texas at $41 monthly for minimum coverage and $93 for full coverage. GEICO, Mercury, AAA and Germania deliver better pricing based on your driving profile and coverage needs.

Why is car insurance so expensive in Texas?

Texas auto insurance costs more due to several factors. The state's extensive highway network and high accident rates create frequent claims. Texas operates under an at-fault system, meaning drivers pay for damages they cause, leading to expensive liability claims and lawsuits. Texas ranks 43rd for minimum coverage affordability and 37th for full coverage.

How much is car insurance in Texas on average?

Texas car insurance averages $66 monthly for minimum coverage and $150 for full coverage. Your actual rates depend on your driving record, age, location and vehicle type. Compare rates from multiple insurers for personalized quotes.

How can I save money on car insurance in Texas?

Saving on car insurance involves:

• Comparing car insurance quotes from multiple providers
• Taking advantage of discounts and programs
• Taking a defensive driving course
• Bundling Texas home and auto or other plans
• Getting only the coverage you need
• Improving your credit score

How much car insurance is required in Texas?

Texas' minimum car insurance requirements include:

Bodily Injury Liability: $30,000 per person/$60,000 per accident
Property Damage Liability: $25,000 per accident

Personal injury protection (PIP) isn't mandatory, but insurers must offer it. Most policies include $2,500, $5,000 or $10,000 PIP options.

Is unlimited PIP still worth it in Texas?

Unlimited PIP provides strong financial protection for Texans without solid health insurance or those in high-traffic areas. PIP covers medical costs and lost wages regardless of fault. However, unlimited coverage costs significantly more than basic liability, making it less practical for drivers with good health coverage or tight budgets.

Best Auto Insurance Texas: Bottom Line

State Farm and GEICO offer the best affordable auto insurance for most Texas drivers. Your ideal insurer depends on your circumstances and coverage needs. To secure the best deal, determine your coverage needs, research available discounts and compare multiple quotes. Check each company's customer service reputation and claims handling before deciding.


Abilene	State Farm	$37	-42%	$-44
Allen	State Farm	$58	-44%	$-68
Amarillo	State Farm	$42	-42%	$-50
Arlington	State Farm	$49	-41%	$-55
Austin	State Farm	$42	-42%	$-51
Beaumont	State Farm	$51	-40%	$-56
Brownsville	State Farm	$48	-40%	$-53
Carrollton	State Farm	$55	-44%	$-66
College Station	State Farm	$44	-43%	$-54
Corpus Christi	State Farm	$45	-42%	$-52
Dallas	State Farm	$51	-43%	$-65
Denton	State Farm	$39	-41%	$-46
El Paso	State Farm	$45	-35%	$-41
Fort Worth	State Farm	$44	-41%	$-51
Frisco	State Farm	$48	-44%	$-59
Garland	State Farm	$58	-41%	$-64
Grand Prairie	State Farm	$57	-42%	$-64
Houston	State Farm	$51	-45%	$-67
Irving	State Farm	$50	-43%	$-62
Killeen	State Farm	$41	-42%	$-49
Laredo	State Farm	$50	-35%	$-46
Lubbock	State Farm	$40	-44%	$-52
McAllen	State Farm	$45	-45%	$-62
McKinney	State Farm	$41	-42%	$-50
Mesquite	State Farm	$64	-41%	$-67
Odessa	State Farm	$43	-41%	$-50
Pearland	State Farm	$47	-48%	$-68
Plano	State Farm	$48	-45%	$-61
San Antonio	State Farm	$47	-42%	$-56
Tyler	State Farm	$42	-43%	$-53
Waco	State Farm	$39	-41%	$-44
Wichita Falls	State Farm	$37	-39%	$-39

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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