Best Car Insurance in Texas (October 2025)

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.

*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.

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.

Learn more about our top-ranking picks for each rating category with detailed service breakdowns below.

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.

*Rates refer to an overall average of minimum and full coverage rates for this profile.

Finding the best car insurance in Texas can be difficult. Here's how to find the right fit:

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.

The best car insurance for you depends on your needs and preferences, so we've answered the most frequent questions about Texas car insurance:

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.