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: December 29, 2025

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Best Car Insurance in Texas: Fast Facts

MoneyGeek evaluated all auto insurance providers in Texas and scored their services based on affordability (cost and discounts), customer service, and coverage options across all residential ZIP codes. All in total, these companies offer the best car insurance 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	4.49	$83	6	6
Mercury Insurance	4.42	$93	5	4
AAA	4.35	$95	4	6
Progressive	4.22	$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

Most affordable premiums among major insurers in Texas
Top-rated customer service with extensive local agent network
Texas weather expertise with efficient storm damage claims

cons

Limited coverage options compared to other insurers
Inconsistent customer service and claim processing experiences
Higher premiums for drivers with clean records

COMPANY HIGHLIGHTS

State Farm leads Texas car insurance options for most drivers, especially young drivers and those with traffic violations. Beyond liability, collision and comprehensive coverage, State Farm includes pet injury protection, custom parts coverage and gap insurance for underwater loans. The company earned a 3.3 out of 5 coverage score, offering solid protection against Texas-specific risks like hail damage, flooding and vehicle theft.

State Farm scored 4.7 out of 5 for customer experience, ranking third among Texas insurers. Hundreds of local offices throughout Texas provide personalized service from agents who understand Texas driving conditions. The mobile app lets customers file claims 24/7 with photo uploads for faster processing. State Farm responds quickly during severe weather and manages claims efficiently compared to Texas competitors.

Monthly premiums average $68 for adults, $76 for seniors and $67 for drivers with speeding tickets. Young drivers pay around $151 monthly. State Farm earned a perfect 5.0 out of 5 affordability score and ranks first overall among Texas insurers. The company delivers strong value for drivers with clean records, homeowners and multi-car families through targeted discounts and flexible payment options.

Read our review: State Farm Car Insurance Review

GEICO: Cheap for Drivers With Bad Credit or Low Income

pros

Top-tier affordability with competitive premium rates statewide
Lightning-fast claims processing often settled within days
Comprehensive weather damage coverage for Texas storms

cons

Limited in-person customer service options
Coverage options lag behind top competitors
Not always the cheapest rates available

COMPANY HIGHLIGHTS

GEICO ranks as the best and cheapest option for drivers with low income in Texas, offering competitive rates and solid service. Low-income drivers pay an average of $52 monthly for minimum coverage and $124 for full coverage. GEICO ranks second overall among Texas insurers with strong affordability and customer experience scores of 4.6 each.

Texas drivers get comprehensive coverage options, including pet injury protection up to $500, rideshare insurance for Uber and Lyft drivers, and specialized protection against regional risks like hail damage and auto theft. The coverage score of 3.3 indicates acceptable options, though not the most extensive available. Emergency roadside service and rental reimbursement add practical value for Texas drivers.

Customer experience centers on efficient claims handling through a 24/7 mobile app and dedicated Catastrophe Response Teams for Texas weather events. The company provides round-the-clock support through multiple channels and maintains faster-than-average repair times. Despite ranking sixth in customer experience among competitors, GEICO delivers reliable service with local agent support across 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.


Arlington	State Farm	$79	3	6
Austin	State Farm	$69	3	6
Brownsville	State Farm	$79	3	6
Corpus Christi	State Farm	$73	3	6
Dallas	State Farm	$84	3	6
El Paso	State Farm	$75	3	6
Frisco	State Farm	$75	3	6
Garland	State Farm	$92	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
Pasadena	State Farm	$84	3	6
Plano	State Farm	$76	3	6
San Antonio	State Farm	$77	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
Evaluate your coverage needs based on driving habits, vehicle value and location before shopping for Texas car insurance. Houston and Dallas drivers may need higher liability limits due to dense traffic and increased accident rates. Factor in your deductible budget when selecting coverage levels. Use our car insurance needs calculator to determine appropriate coverage amounts.
2
Study Costs and Available Discounts
Understanding typical Texas pricing helps you spot competitive rates. Research average car insurance costs for similar driver profiles to set realistic expectations. Check our guide to the cheapest auto insurance provider options to see which companies offer the lowest rates. List potential discounts you qualify for: safe driver, multi-policy or defensive driving course credits.
3
Evaluate Company Reliability
Research insurer financial stability and customer satisfaction before choosing a provider. Check A.M. Best ratings for financial strength, J.D. Power scores for customer satisfaction and NAIC complaint ratios for service quality. Review vehicle coverage options to understand each company's additional protections. Read Trustpilot reviews to gauge claims processing speed and customer service quality.
4
Gather Multiple Price Quotes
Request quotes from at least five insurers for competitive pricing. Use company websites, independent agents, captive agents and comparison platforms; each yields different rates. Verify all quotes include identical coverage limits and deductibles for accurate comparison. Document each quote's coverage details and applicable discounts.
5
Review Annually for Savings
Insurance rates change frequently due to market conditions, claims data and regulatory updates. Set a calendar reminder to reassess coverage and shop for new quotes at renewal. Your circumstances may have changed, qualifying 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.

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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