State Farm is the best overall car insurance company in Texas, earning a MoneyGeek score of 4.74 out of 5 for its balance of affordability, customer satisfaction and coverage. The ideal provider varies by driver, so we recommend looking into GEICO, Mercury, AAA and Progressive.
Best Car Insurance in Texas
Updated: August 22, 2025
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Key Takeaways
State Farm is Texas' best overall car insurance provider for its superior affordability and good customer service reputation.
Progressive offers the best car insurance in Texas for bad-credit drivers, while GEICO is the best for low-income drivers.
To get the best car insurance in Texas, decide on coverage beforehand, research costs and providers, and compare multiple of quotes.
Best Car Insurance Companies in Texas
| State Farm | 4.74 | $67 | 3 | 6 |
| GEICO | 4.49 | $83 | 6 | 6 |
| Mercury | 4.42 | $93 | 5 | 4 |
| AAA | 4.35 | $95 | 4 | 6 |
| Progressive | 4.22 | $118 | 2 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Texas by Driver Profile
Different drivers need different car insurance companies. MoneyGeek analyzed the best car insurance in Texas across 10 driver categories to find which companies excel for specific situations.
State Farm leads Texas car insurance rankings, winning eight out of 10 categories we studied. The company ranks best for young drivers, adult drivers, senior drivers, drivers with accidents, drivers with DUIs, drivers with speeding tickets, drivers with newer cars and drivers with older cars.
Two other companies earned best ratings for their specialties:
- Progressive ranks best for drivers with bad credit
- GEICO leads for drivers with low income
The table below shows which company offers the best-ranked car insurance in Texas for each driver category. Each company receives rankings from 1 to 10 in affordability, customer experience and coverage, with 1 being the best score.
| Young Drivers | State Farm | 2 | 3 | 6 |
| Adult Drivers | State Farm | 1 | 3 | 6 |
| Senior Drivers | State Farm | 1 | 3 | 6 |
| Drivers With an Accident | State Farm | 1 | 3 | 6 |
| Drivers With a DUI | State Farm | 1 | 3 | 6 |
| Drivers With a Speeding Ticket | State Farm | 1 | 3 | 6 |
| Drivers With Bad Credit | Progressive | 6 | 2 | 2 |
| Drivers With Low Income | GEICO | 1 | 6 | 6 |
| Drivers With Newer Cars | State Farm | 2 | 3 | 6 |
| Drivers With Old Cars | State Farm | 1 | 3 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Texas Car Insurance Recommendations
While we have given you our general recommendations, your profile may not match our best Texas car insurance providers. Below, you can compare the top five providers for your personal profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| GEICO | 4.54 | $234 | 6 | 6 |
| Chubb | 4.46 | $310 | 1 | 5 |
| Farmers | 4.46 | $296 | 8 | 1 |
| Allstate | 4.31 | $333 | 7 | 3 |
| Progressive | 4.28 | $391 | 2 | 2 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Texas Car Insurance Reviews
Learn more about our top-ranking picks for each rating category with detailed service breakdowns below.
State Farm
Best Cheap Overall in Texas
5/5Affordability
4.7/5Customer Experience
3.3/5Coverage Options
Average Monthly Full Coverage Cost
$93For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$41For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Drive Safe & Save Program
GEICO
Second Best Overall in Texas
MoneyGeek Rating
4.5/ of 5
4.6/5Affordability
4.6/5Customer Experience
3.3/5Coverage Options
Average Monthly Full Coverage Cost
$112For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$54For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
How to Find the Best Car Insurance in Texas
Finding the best car insurance in Texas can be difficult. Here's how to find the right fit:
- 1
Decide on Coverage Needs Before You Buy
The easiest way to overpay for car insurance is not knowing what coverage you need. Consider your driving habits, location and finances when selecting auto insurance that meets Texas' required minimums.
- 2
Research Average Costs and Discounts
Start by researching average car insurance costs in Texas to establish a baseline for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can provide additional savings on your premium.
- 3
Evaluate Provider Reputation and Coverage Options
Insurance providers differ beyond their premiums. Research customer experiences to avoid companies with poor claims handling or policy management. Review available add-ons and extra coverage options to ensure your chosen provider meets all your insurance needs.
- 4
Explore Alternative Coverage Types
Consider specialized options like non-owner car insurance or pay-per-mile policies if they better suit your situation. If you need an SR-22 in Texas, remember that provider recommendations may differ.
- 5
Get Multiple Quotes Through Various Channels
Compare multiple quotes to find the cheapest option possible. Use different channels including independent agents and company websites, as rates can vary significantly between quoting methods.
- 6
Review Coverage Annually
Insurance pricing changes frequently due to market conditions and inflation. Make it a habit to review your coverage and compare rates yearly to ensure you maintain the best possible rate.
Best Texas Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. State Farm is the top-rated company overall, while Progressive is the best choice for those with bad credit and GEICO for those with low income.
Best Auto Insurance in Texas: FAQ
The best car insurance for you depends on your needs and preferences, so we've answered the most frequent questions about Texas car insurance:
What is the best car insurance company in Texas?
State Farm is the best car insurance company in Texas overall, with a MoneyGeek score of 4.74 out of 5 and an average monthly premium of $93 for full coverage.
What is the best car insurance company for minimum coverage in Texas?
State Farm ranks highest for minimum coverage in Texas, with an average rate as low as $41.
What is the best car insurance in Texas for young drivers?
State Farm is the best cheap auto insurance option for young adults, offering a solid balance of affordability and great customer experience.
What is the best car insurance for Texas drivers who value customer service?
Progressive is the top provider for customer experience in Texas with a score of 4.8 out of 5. The company is strong overall, considering its buying process, agent service, policy management tools and general claims satisfaction.
What is the best car insurance in Texas if you have driving offenses?
State Farm is the top provider for Texas drivers with a driving violation. The average monthly premium for minimum coverage is $48; for full coverage, it's $109.
How We Rated the Best Car Insurance in Texas
MoneyGeek analyzed more than 70 car insurance companies available to Texas drivers, from national carriers to regional and local providers across all residential ZIP codes in Texas. We reviewed customer feedback, discount programs and coverage details to give you a complete picture of each provider's services in Texas
How We Calculated Texas Car Insurance Rates
Our research team collected thousands of car insurance quotes from Texas ZIP codes, including Houston (77001), Dallas (75201), Austin (78701), San Antonio (78201) and Fort Worth (76101). We used multiple driver profiles and vehicle types to ensure our rates reflect what real Texas drivers pay. All rate data comes from direct insurer quotes and represents actual premiums available to Texas residents.
How We Scored Each Company
- Affordability (60% of score): We gathered quotes for different Texas driver profiles and compared rates across the state. Our main profile uses a 40-year-old male with good credit, no driving violations, no claims history and a valid Texas driver's license insuring a 2012 Toyota Camry LE. We also tested rates for young drivers, seniors, drivers with violations and other profiles to ensure our rankings work for all Texas drivers.
- Customer experience (30% of score): We analyzed Texas-specific customer feedback from J.D. Power ratings, AM Best financial strength scores and the BBB. We focused on how companies handle claims, customer service and policy management for Texas policyholders.
- Coverage options (10% of score): We evaluated each provider's coverage types, unique policy features and benefits available to Texas drivers, including Texas-specific requirements like minimum liability limits.
Learn more about our auto insurance review methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.