State Farm leads our Texas rankings with the lowest full coverage rate in the top five at $98/month and a customer experience score that ranks third among all Texas carriers. GEICO follows with the second lowest rate at $119/month, while Progressive earns the strongest combination of coverage options and service quality despite ranking fifth on overall score. The table below shows how each carrier ranks across affordability, customer experience and coverage. A carrier that ranks lower overall may still be the right fit depending on which factor matters most to your situation.
Best Car Insurance in Texas: Top Companies in 2026
Updated: May 29, 2026
Advertising & Editorial Disclosure
Best Car Insurance Companies in Texas: Top 5 Rankings
State Farm | 4.74 | 1 | 3 | 6 |
Geico | 4.51 | 2 | 6 | 6 |
AAA | 4.49 | 3 | 4 | 6 |
Mercury Insurance | 4.47 | 4 | 5 | 4 |
Progressive | 4.45 | 6 | 2 | 2 |
Rates and rankings reflect a 40-year-old male driver with a clean record and full coverage at 100/300/100,000 limits with a $1,000 comprehensive/collision deductible.
Why You Can Trust MoneyGeek's Texas Ratings
MoneyGeek evaluated 10 insurance companies in Texas, including national carriers and Texas regional insurers. Rankings combine rate analysis, customer feedback, and coverage assessments across three weighted factors. MoneyGeek does not receive compensation tied to which companies rank highest. Rate data comes from Quadrant Information Services, which sources actual insurance filings across every ZIP code.
Affordability (60% of total score)
Rate quotes were gathered for multiple driver profiles using a baseline 40-year-old male driver with good credit, a clean driving record, and no prior claims. Quotes covered full coverage at 100/300/100,000 limits with a $1,000 comprehensive and collision deductible, plus state-minimum coverage. Additional quotes covered young drivers and senior drivers. Driver profiles with violations were also tested, including DUI convictions, at-fault accidents, and speeding tickets, to measure how each carrier prices each category. Affordability scores reflect the carrier's performance across all of these driver profiles, with a baseline adult-driver clean-record rate weighted most heavily.
Customer Experience (30% of total score)
Customer satisfaction data was compiled from J.D. Power studies (including the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study), AM Best financial strength ratings, and multi-platform review aggregation. NAIC complaint indexes also feed the composite score. J.D. Power Texas regional scores shown in each carrier section are one input to the composite, not the full ranking.
Coverage Options (10% of total score)
Coverage scoring measures each provider's range of coverage types and Texas-specific add-on availability. Standard coverages (bodily injury liability, property damage liability, uninsured motorist coverage, medical payments / PIP, comprehensive coverage, collision coverage) are included in the baseline score. Add-on coverages weighted in the score include accident forgiveness, new car replacement, rideshare endorsements, gap insurance, custom parts coverage, mechanical breakdown insurance, and pay-per-mile or telematics-based programs. Coverages restricted or unavailable under state law are excluded from the score for all carriers.
Rates and rankings on this page reflect a 40-year-old male driver with good credit and a clean record. Full coverage rates use 100/300/100,000 liability limits with a $1,000 comprehensive and collision deductible. Minimum coverage rates use Texas's mandatory 30/60/25 liability limits without comprehensive or collision.
USAA is excluded from all rankings because it is available only to military members and their families, which limits its accessibility for most readers.
Similar scores can reflect very different strengths in Texas:
- State Farm and Geico are separated by 0.23 points, but State Farm leads on affordability (Rank 1) while both carriers share the lowest coverage rank (tied at 6th), a difference that matters most if you expect to file a claim.
- Geico and AAA are 0.02 points apart. AAA's customer experience score of 4.69/5 is above Geico's 4.60/5, a gap that reflects differences in claims handling.
- Mercury Insurance and Progressive have similar overall scores (4.47 vs. 4.45) but diverge on coverage rank: Progressive ranks 2nd vs. Mercury's 4th, which matters for drivers who want accident forgiveness or rideshare coverage in Texas.
Best Texas Car Insurance Company Ratings
Best Overall in Texas
State Farm
State Farm earns the top MoneyGeek score in Texas at 4.74/5, driven by the lowest full coverage rate in the top five at $98/month, 38% below the Texas state average of $157/month. That pricing advantage holds across driver profiles: after a DUI, State Farm charges $149/month, the lowest in the top five, and after an at-fault accident, $113/month, also the lowest. Its customer experience score of 4.73/5 ranks third among all Texas carriers, backed by a broad agent network and a strong A+ financial strength rating from AM Best.
Our Experience With State Farm Car Insurance
State Farm is our top pick for most Texas drivers because it combines the lowest rates in the group with above-average service quality. The Drive Safe & Save telematics program adds further savings potential for low-mileage or careful drivers. Don't choose State Farm if you need gap insurance or rideshare endorsements. Its coverage score of 3.26/5 ranks sixth, and drivers who need those specific add-ons will find Progressive or Farmers better equipped.
Best Budget Alternative in Texas
GEICO
GEICO has the second lowest full coverage rate among the top five at $119/month, 24% below the Texas state average, and the lowest young driver rate in the group at $215/month, edging out State Farm by $3/month. Its digital-first model supports app-based claims and policy management, earning it a 4.51/5 MoneyGeek score. Its customer experience score of 4.60/5 ranks sixth among all Texas carriers, the main limitation in an otherwise competitive price profile.
Our Experience With GEICO Car Insurance
GEICO is our recommendation for Texas drivers who want a low rate and are comfortable managing their policy digitally. Its mechanical breakdown insurance is a useful add-on for drivers of older vehicles, functioning like an extended warranty without the dealership markup. Don't choose GEICO if you have a DUI on your record: at $199/month post-conviction, it's the highest DUI rate in the top five. Drivers who want local agent access or hands-on claims support will find State Farm or AAA a better fit.
Best for Member Benefits in Texas
AAA
AAA offers the strongest balance of affordability and service quality in the top five, with full coverage at $126/month, 20% below the state average, and a customer experience score of 4.69/5 that ranks fourth among all Texas carriers. Its regional club structure supports in-person service across Texas, contributing to above-average claims satisfaction scores. The primary tradeoff is the membership requirement: the annual AAA fee isn't reflected in the quoted premium and raises the effective cost of coverage.
Our Experience With AAA Car Insurance
AAA is our pick for Texas drivers who want above-average service quality without paying Progressive-level premiums. Accident forgiveness is a particularly valuable add-on in Texas, where at-fault accident surcharges can push full coverage above $178/month. Don't choose AAA if you're a senior driver prioritizing rate: at $162/month, its senior rate ranks third highest in the top five, and State Farm's $110/month is a substantially better option for that profile. Drivers who don't already hold AAA membership should also factor in the annual fee before comparing quoted premiums.
Best for Violations in Texas
Mercury Insurance
Mercury Insurance has the second lowest DUI rate among the top five at $175/month, behind only State Farm's $149/month, making it the strongest option for Texas drivers rebuilding their record after a conviction. Full coverage on a clean record averages $133/month, 15% below the state average, and its coverage score of 3.86/5 ranks fourth in Texas, including a rideshare endorsement that can prove valuable to the high number of Uber and Lyft drivers in DFW, Houston and Austin.
Our Experience With Mercury Insurance Car Insurance
Mercury is our recommendation for Texas drivers with a DUI conviction who want competitive rates without sacrificing add-on access. Its rideshare endorsement also makes it a practical option for gig-economy drivers in Texas's major metros. Don't choose Mercury if you're a senior driver or have an at-fault accident on your record: its senior rate of $194/month is the highest in the top five, and its at-fault accident rate of $251/month is also the highest in the group. For a full market comparison of post-DUI rates, see DUI car insurance in Texas.
Best Coverage Options in Texas
Progressive
Progressive earns a 4.85/5 coverage score and a 4.81/5 customer experience score, the strongest combination of add-on depth and service quality in the top five. Gap insurance is available in Texas, which is particularly relevant given the frequency of hail total-loss events in the DFW Metroplex. Full coverage averages $151/month, 4% below the state average but the highest among the top five.
Our Experience With Progressive Car Insurance
Progressive is our pick for Texas drivers who need the broadest range of add-on coverages and are willing to pay a premium for it. Gap insurance, rideshare endorsements and accident forgiveness are all available, and its Snapshot telematics program can reduce premiums for low-mileage drivers. Don't choose Progressive if rate is your primary consideration. At $151/month for full coverage and $90/month for minimum coverage, both the highest in the top five, drivers who primarily want the lowest rate will find better options at State Farm or GEICO.
Rates at Texas's Best Car Insurance Companies
Texas's full coverage state average is $157/month, $34 above the national average of $123/month, and all five top-rated carriers come in below it. The spread between the cheapest option, State Farm at $98/month, and the most expensive, Progressive at $151/month, is $53/month or $636 annually. For drivers currently paying at or near the state average, State Farm's rate represents a potential savings of $708 a year. Use the Texas car insurance calculator to estimate where your specific profile and ZIP code land against these figures.
$98 | $41 | 38% | |
$119 | $58 | 24% | |
$126 | $58 | 20% | |
$133 | $59 | 15% | |
$151 | $90 | 4% |
WHAT'S DIFFERENT ABOUT CAR INSURANCE IN TEXAS
Texas leads the nation in hail damage claims, making comprehensive coverage more consequential here than in most states, particularly in the DFW Metroplex and along the I-35 corridor where storm tracks concentrate damage. Roughly 14% of Texas drivers are uninsured, above the national average, which gives uninsured and underinsured motorist coverage more practical weight than its optional status suggests. Drivers who haven't compared rates recently are also likely leaving money on the table — the spread between the cheapest and most expensive top-five carrier for a clean-record adult is $53/month, or $636 a year.
Coverage Options at Texas's Best Car Insurance Companies
Progressive is the only carrier in the group with a complete 13 of 13 coverage lineup, and the only one offering both gap insurance and new car replacement. State Farm and Mercury tie at 10 of 13, with GEICO and AAA at 9 each. The most consequential differences are in the add-ons: gap insurance and new car replacement are available only through Progressive, making it the strongest fit for drivers financing or leasing a vehicle. Rideshare coverage is available through State Farm, GEICO, Mercury and Progressive but not AAA. If any of those specific coverages apply to your situation, they're worth checking before comparing rates.
Bodily injury liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Property damage liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Comprehensive | ✓ | ✓ | ✓ | ✓ | ✓ |
Collision | ✓ | ✓ | ✓ | ✓ | ✓ |
Uninsured/underinsured motorist | ✓ | ✓ | ✓ | ✓ | ✓ |
Medical payments / PIP | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside assistance | ✓ | ✓ | ✓ | ✓ | ✓ |
Rental reimbursement | ✓ | ✓ | ✓ | ✓ | ✓ |
Accident forgiveness | ✓ | — | ✓ | — | ✓ |
New car replacement | — | — | — | — | ✓ |
Rideshare coverage | ✓ | ✓ | — | ✓ | ✓ |
Gap insurance | — | — | — | — | ✓ |
Custom parts coverage | — | — | — | ✓ | ✓ |
Coverage total | 10/13 | 9/13 | 9/13 | 10/13 | 13/13 |
- In Texas, hail is the dominant claim driver, not collision. If you're in the DFW Metroplex or along the I-35 corridor, comprehensive coverage isn't optional in any practical sense — it's the coverage that pays when a storm totals your car. Every top-five carrier includes it as a standard add-on.
- With roughly 14% of Texas drivers uninsured, there's a real chance the driver who hits you has no coverage. Insurers are required to offer uninsured and underinsured motorist coverage under Texas law, but you can reject it in writing. Most drivers are better served keeping it. Medical payments coverage and PIP both cover your own injury costs regardless of who caused the accident, which matters in a state where uninsured drivers are above the national average.
- Progressive is the only top-five carrier in Texas that offers gap insurance, which covers the difference between your car's actual cash value and your remaining loan balance after a total loss. In a state where hail events total cars at above-average frequency, that gap can be substantial for drivers financing a newer vehicle.
How to Use These Rankings to Find Your Best Texas Carrier
No single carrier wins every category in Texas, which makes matching your profile to the right option more important here than in most states. The bullets below break down which carrier leads for each driver type and where the tradeoffs land.
If Price Is Your Top Priority
State Farm offers the lowest full coverage rate in Texas at $98/month, 38% below the state average, with minimum coverage at $41/month. The cheapest Texas car insurance page covers more carriers and driver profiles if you want to see how that rate holds across the full market.
If You Want the Best Texas Claims Experience
Progressive scores 4.81/5 for customer experience, second among all carriers rated in Texas, with strong J.D. Power Southwest performance and a low NAIC complaint ratio. The tradeoff is that it's the most expensive carrier in the top five at $151/month for full coverage.
If You Want the Best Balance of Price and Coverage
State Farm holds the top Texas ranking at 4.74/5, combining the lowest full coverage rate in the group with a customer experience score that ranks third among all Texas carriers. Drivers who need gap insurance or rideshare coverage will need to look elsewhere, but for straightforward policies, the combination is hard to beat.
If You Have a Young Driver in Your Household
GEICO charges $215/month for young drivers in Texas, the lowest among the top five. [Bundling auto and home](GEICO charges $215/month for young drivers in Texas, the lowest among the top five. Bundling auto and home with the same carrier can sharpen the savings further. See the best home and auto bundle in Texas for current bundle rates.) with the same carrier can increase your savings.
If You Have a DUI or Violation on Your Record
State Farm's $149/month DUI rate is the lowest in the top five. DUI car insurance in Texas breaks down rates across more carriers, and SR-22 insurance in Texas covers the two-year filing requirement a conviction triggers.
If You Live in DFW or the I-35 Corridor
Progressive is the only top-five carrier that pairs comprehensive coverage with both new car replacement and gap insurance, the two protections most relevant in Texas's highest-frequency hail zones. For drivers in DFW or along the I-35 corridor, where hail events generate more total-loss claims than anywhere else in the state, that combination is worth the higher base rate.
Best Texas Car Insurance: FAQ
What is the minimum car insurance required in Texas?
Texas requires at least $30,000 in bodily injury liability per person, $60,000 per accident and $25,000 in property damage liability. Insurers must also offer uninsured and underinsured motorist coverage and PIP, though drivers can reject both in writing. With roughly 14% of Texas drivers uninsured, rejecting UM/UIM means absorbing those costs yourself if an uninsured driver causes an accident.
What happens if I drive without insurance in Texas?
A first offense carries a fine of $175 to $350, and repeat offenses can reach $1,000. Texas can also suspend your license and require an SR-22 filing before reinstatement, which typically stays on your record for two years and adds to your premium costs for that period.
Does Texas require comprehensive coverage for hail damage?
Texas law doesn't require comprehensive coverage, though lenders require it on financed vehicles. Given that Texas leads the nation in hail damage claims and the DFW Metroplex and I-35 corridor carry the highest exposure, dropping comprehensive to save on premium is a tradeoff worth pricing carefully. The cost of one hail claim will typically exceed years of comprehensive premium savings.
Why are Texas car insurance rates higher than the national average?
Texas full coverage averages $157/month versus the national average of $123/month. The gap reflects the state's high volume of hail claims, dense urban driving in DFW and Houston, and four years of compounding rate increases from 2021 to 2025. That rate cycle has turned, and drivers who haven't shopped recently are most likely to find savings by comparing now.
Does my Texas auto policy cover me if I'm hit by an uninsured driver?
Only if you carry uninsured and underinsured motorist coverage. Texas insurers must offer it, but you can reject it in writing. Without it, you're paying out of pocket for injuries and damages caused by a driver who can't cover the bill — a scenario that applies to roughly one in seven Texas drivers on the road.
How long does an SR-22 filing stay on my Texas record?
Two years from the date of license reinstatement. Texas uses SR-22, not FR-44 — that distinction matters because FR-44 is specific to Florida and Virginia and carries higher coverage requirements. Once the two-year period ends with no additional violations, you can ask your insurer to remove the filing, which typically brings your premium down.
Sources
- J.D. Power. "2025 U.S. Auto Insurance Study."
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study."
- Texas Department of Insurance. “Texas Transportation Code §601.051.”
- Insurance Information Institute (III). “Facts + Statistics: Uninsured Motorists.”
- AM Best. “Ratings Services.”
For the complete breakdown of MoneyGeek's scoring weights and rate baseline construction, see our full auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.