Texas Farm Bureau is the best car insurance company for full and minimum coverage. It’s also a solid choice for young adults and seniors. But those with driving offenses will find the best value and service from State Farm. Those with new cars will get the best policy from Allstate.
We’ve also listed the cheapest car insurance in Texas if cost is your primary consideration, regardless of service quality.
Best Car Insurance in Texas








Best Overall for Car Insurance in Texas
Texas Farm Bureau offers the best car insurance for full coverage. These providers rated highest in our analysis:
- Texas Farm Bureau: MoneyGeek score of 91 out of 100 ($760 per year)
- State Farm: MoneyGeek score of 91 out of 100 ($699 per year)
Texas Farm Bureau stands above other Texas competitors because it offers the best balance of affordability and customer satisfaction for a full coverage policy with liability limits of 100/300/100.
The average cost of full coverage car insurance in Texas is $1,316 per year. If you want to save on insurance, we found the providers with the cheapest full coverage auto insurance in Texas.

For its excellent customer satisfaction and affordable policies, Texas Farm Bureau ranked highest among the providers in our study. It is the second-cheapest insurer, with an average full coverage policy costing only $760 annually. However, this insurer has a limited number of additional coverages.
Texas Farm Bureau offers just two basic add-on coverages — roadside assistance and rental car coverage — which you can purchase as add-ons to your policy. By adding roadside assistance coverage, you'll receive round-the-clock towing, lockout and tire change services. With rental car coverage, Texas Farm Bureau will shoulder the costs of renting a car for your transportation needs while you're waiting for vehicle repairs after a covered incident. These essential coverages can benefit all drivers.
Although this insurer is more limited in its coverage options, it's one of Texas's cheapest car insurance providers. Policyholders can look forward to receiving top-notch service, given that this insurer ranked highly on J.D. Power's 2022 customer satisfaction study and for the 11th straight year. It also performed well for those with insurance from it per the National Association of Insurance Commissioners (NAIC) customer complaint index.

Ranking highly on customer service and affordability, State Farm is the next-best option, according to our analysis. Expect to pay an average of $699 per year for a full coverage policy with this insurer — which is the cheapest rate in Texas — but be prepared for limited coverage options.
State Farm offers few choices for enhancing coverage, but these add-ons are the most important ones that different types of drivers will need.
State Farm's roadside assistance covers mechanical labor, locksmith services, towing and delivery of gas, oil, battery or tires (you'll still have to pay for the delivered items). With rental car coverage, your State Farm policy will pay for car rental expenses, including meals, lodging, rental car insurance and other transportation costs up to $500.
State Farm offers the most affordable policies and reliably delivers above-average customer service. Based on studies conducted by J.D. Power and the National Association of Insurance Commissioners (NAIC), we concluded that most policyholders are satisfied with State Farm's services.

For its excellent customer satisfaction and affordable policies, Texas Farm Bureau ranked highest among the providers in our study. It is the second-cheapest insurer, with an average full coverage policy costing only $760 annually. However, this insurer has a limited number of additional coverages.
Texas Farm Bureau offers just two basic add-on coverages — roadside assistance and rental car coverage — which you can purchase as add-ons to your policy. By adding roadside assistance coverage, you'll receive round-the-clock towing, lockout and tire change services. With rental car coverage, Texas Farm Bureau will shoulder the costs of renting a car for your transportation needs while you're waiting for vehicle repairs after a covered incident. These essential coverages can benefit all drivers.
Although this insurer is more limited in its coverage options, it's one of Texas's cheapest car insurance providers. Policyholders can look forward to receiving top-notch service, given that this insurer ranked highly on J.D. Power's 2022 customer satisfaction study and for the 11th straight year. It also performed well for those with insurance from it per the National Association of Insurance Commissioners (NAIC) customer complaint index.

Ranking highly on customer service and affordability, State Farm is the next-best option, according to our analysis. Expect to pay an average of $699 per year for a full coverage policy with this insurer — which is the cheapest rate in Texas — but be prepared for limited coverage options.
State Farm offers few choices for enhancing coverage, but these add-ons are the most important ones that different types of drivers will need.
State Farm's roadside assistance covers mechanical labor, locksmith services, towing and delivery of gas, oil, battery or tires (you'll still have to pay for the delivered items). With rental car coverage, your State Farm policy will pay for car rental expenses, including meals, lodging, rental car insurance and other transportation costs up to $500.
State Farm offers the most affordable policies and reliably delivers above-average customer service. Based on studies conducted by J.D. Power and the National Association of Insurance Commissioners (NAIC), we concluded that most policyholders are satisfied with State Farm's services.
How the Best Insurers in Texas Rank: MoneyGeek Scores and Costs
After analyzing insurance providers in Texas, we found that Texas Farm Bureau outshines its competitors by delivering superior customer service together with its very affordable policies. A close runner-up in our study is State Farm, which offers the lowest premiums and has very few customer complaints. But these providers have limited options for additional coverage.
Insurance buyers who prefer more coverage choices or with specific coverage needs will find that Foremost, Nationwide and Progressive offer a more extensive selection without sacrificing service quality when you file a claim. However, be prepared to pay a higher premium with these insurers.
An insurer only qualified for an overall MoneyGeek score if enough data could be found for all components of the scoring system.
Best Car Insurance in Texas for Customer Service
Drivers in the Lone Star State who want guaranteed excellence in customer service, regardless of cost, should consider purchasing an auto policy from Chubb. The following insurers provide the best customer experience:
- Chubb: MoneyGeek score of 93 out of 100 ($1,371 per year)
- Foremost: MoneyGeek score of 90 out of 100 ($1,534 per year)
Chubb and Foremost scored nearly the same on customer satisfaction. However, Chubb significantly outperforms Foremost in managing claims, which is crucial in a good auto insurer. And although less expensive than Foremost, Chubb’s full coverage policy tends to be higher than other insurers — a tradeoff for its excellent service.

pros
Ranked second on customer satisfaction
Ranked first for claims management
Offers original equipment manufacturer (OEM) coverage, useful for most drivers
cons
Pricier premiums than most insurers
Doesn’t offer roadside assistance or gap insurance
COMPANY HIGHLIGHTS
If customer service is your top priority when choosing an auto insurance provider, Chubb has the quality service you want in Texas. This insurer received the second-highest customer satisfaction rating based on our analysis of reports from J.D. Power surveys and the NAIC’s customer complaint index.
Chubb is one of the few insurers that offers original equipment manufacturer (OEM) coverage, which means that Chubb will cover the cost of original parts and processes to repair your vehicle following damage due to a covered incident. OEM coverage optimizes your vehicle’s performance for safety, which all drivers want. But these features do come at a cost — Chubb charges a relatively high premium, averaging $1,371 for full coverage. Another downside is that Chubb doesn’t offer roadside assistance or gap insurance, which are two common coverages applicable to most drivers.
What Makes an Insurer the Best for Customer Service?
Good customer service means your insurer gives prompt and efficient service when you need it the most: when filing a claim. The insurer should also be:
- Responsive to your inquiries and complaints
- Equipped to solve your problems as they arise
- Able to promptly pay for your approved claim to ease your financial burden
Strong support from your insurance provider goes a long way to reducing stress concerning an accident or claim.
We picked Chubb as the best provider for customer service over Foremost because although customer satisfaction was comparable between the two providers, Chubb far surpassed its competitor in handling claims.
Best Car Insurance in Texas for Minimum Coverage
Looking at affordability and service for a policy that meets Texas’ lowest liability requirements, we found that Texas Farm Bureau is the best insurer for minimum coverage.
- Texas Farm Bureau: MoneyGeek score of 92 out of 100 ($339 per year)
- State Farm: MoneyGeek score of 91 out of 100 ($321 per year)
Texas Farm Bureau is the only company with solid customer service and competitively low rates for minimum coverage. It can be the most affordable option for most drivers, but a minimum coverage policy gives the least protection against liability costs and won't cover damages to your car.

pros
An affordable minimum coverage policy costs about $339 per year
Offers discounts for insuring multiple cars, safe driving and installing an anti-theft system
Ranks third on satisfaction and second on affordability
cons
Less effective at managing claims
Doesn’t offer discounts for bundling policies, going paperless or paying in full
COMPANY HIGHLIGHTS
Texas Farm Bureau is already highly affordable for minimum coverage, with discounts that make this provider even cheaper. You can qualify for these discounts if you insure multiple cars, remain claims-free or install an anti-theft device and other safety features. However, it doesn’t offer other standard discounts for bundling policies, going paperless or paying in full.
Texas Farm Bureau has also been at the top of J.D. Power reports for 11 years. This strongly indicates that policyholders can expect good experiences with this insurer.
What Makes an Insurer the Best for Minimum Coverage?
Not all drivers can afford or want to pay for full coverage car insurance. A good minimum coverage policy will have the lowest rate for the coverage limits set by your state, plus discounts that can reduce your premium even further. Texas Farm Bureau has all the elements of an excellent minimum coverage insurance policy: affordability, quality service and discounts. Just keep in mind the tradeoff between cost and coverage.
Most insurance professionals recommend drivers obtain higher liability limits than state minimums for greater financial protection from at-fault accidents. You don't have to purchase full coverage that has comprehensive and collision coverage to get more liability coverage. You can increase your limits on a liability-only policy very easily. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Best Car Insurance in Texas for Young Adults
Texas Farm Bureau is the best car insurance provider for young adults. Based on quote analysis for drivers in their 20s buying full coverage policies, these companies provide the most affordable premiums alongside great service:
- Texas Farm Bureau: MoneyGeek score of 92 out of 100 ($932 per year)
- State Farm: MoneyGeek score of 91 out of 100 ($900 per year)
Drivers in their 20s typically don’t pay as much as teen drivers for car insurance, but still more than what middle-aged drivers pay due to their higher-than-average accident frequency rate. If you’re looking to save money, we recommend shopping around to find the cheapest car insurance for young drivers in Texas.

pros
Second cheapest insurer for young adults at $932 per year, on average
Offers good student and driver education discounts
Third-highest customer satisfaction score
cons
Worse-than-average ratings for claims handling
Fewer coverage options
COMPANY HIGHLIGHTS
MoneyGeek recommends Texas Farm Bureau for young drivers in their 20s, with an affordable premium ranking second-cheapest in our study. Young drivers with valid proof of good academic performance can also get a discount. Texas Farm Bureau also ranks third for customer satisfaction based on our analysis of the latest data from J.D. Power and the NAIC. However, if you’re considering purchasing a policy from this insurer, be aware that it has few add-on coverage options and a below-average rating for claims handling.
What Makes an Insurer the Best for Young Adults?
Because insurance companies typically charge young adults higher premiums, a good policy would maximize savings and discounts while maintaining reliable service and sufficient coverage. Look for companies that have discounts specifically for drivers 25 and under. Our winner, Texas Farm Bureau, has low rates, offers essential coverages and includes discounts, like good student and driver education courses, that young adults may be eligible for.
Best Car Insurance in Texas for Seniors
Texas Farm Bureau is the best insurance provider for senior drivers. According to our research, these are the top-rated insurers for drivers in their 60s:
- Texas Farm Bureau: MoneyGeek score of 92 out of 100 ($629 per year)
- State Farm: MoneyGeek score of 91 out of 100 ($632 per year)
Texas Farm Bureau has the cheapest premium and received the third-highest customer satisfaction rating. Rates for drivers in their 60s are similar to those in their 30s through 50s but increase once they reach their 70s, as the risk of accidents for elderly drivers increases. You'll get the most affordable car insurance for seniors by comparing quotes from multiple providers.

pros
Most affordable average full coverage rate for seniors at $629 per year
Impressive customer satisfaction rating
cons
Received below-average ratings on claims handling and coverage options
COMPANY HIGHLIGHTS
Texas Farm Bureau has the cheapest rate for senior drivers in our Texas analysis. It also has a wide array of discounts to make a premium even more affordable. For example, policyholders could install safety devices, insure multiple cars or be claims-free to get a significant rate discount. On top of being the most affordable insurer, it also ranks superbly on customer satisfaction based on the latest J.D. Power reports. This insurer has limited add-on coverage options that are widely applicable, namely rental car reimbursement and roadside assistance. But these might be sufficient for senior drivers.
What Makes an Insurer the Best for Seniors?
Although seniors are some of the safest drivers on the road, age makes them more susceptible to serious injury after an accident. Good car insurance companies for senior drivers will have affordable full coverage policies, with personal injury protection (PIP) to help cover medical expenses. Discounts specifically for seniors are a great way to reduce your premium, so look for companies that offer them.
Although our top-rated Texas auto insurer, Texas Farm Bureau, doesn’t offer senior discounts, it has other discounts that seniors can take advantage of to lower their premiums. It’s also the cheapest full coverage insurer for seniors in Texas and has roadside assistance for those who fear getting stranded after an accident.
Best Car Insurance in Texas for Drivers With Offenses
Drivers with different offenses on their records — like a speeding ticket, at-fault accident or driving while intoxicated (DWI) — will fare best with State Farm. Here are our recommendations based on affordability and service ratings:
- State Farm: MoneyGeek score of 91 out of 100 ($938 per year)
- Texas Farm Bureau: MoneyGeek score of 90 out of 100 ($1,165 per year)
Of the companies MoneyGeek reviewed, State Farm is the cheapest provider and ranks number five in customer satisfaction.
It’s crucial for drivers with offenses to seek affordable car insurance after an incident, as average rates in Texas increase by $238 after a speeding ticket, $724 after an at-fault accident and $544 after a DWI (take note, Texas does not use DUI). Plus, the extra amount these drivers pay is applied to their renewal premium bill for a minimum of three years.

pros
Offers the cheapest average premiums at $938 per year
Ranks fifth for service quality
Provides roadside assistance and rental car reimbursement as add-on coverages
cons
Weaker in claims management and range of add-on coverages
Doesn’t offer accident forgiveness or new/better car replacement coverages
COMPANY HIGHLIGHTS
State Farm offers the cheapest full coverage premium for Texas drivers with imperfect records. Policyholders can expect good customer experience but should lower expectations for claims handling. State Farm's add-on coverage options are slim, but it does have roadside assistance and rental car coverage. These basic coverages benefit a broad class of drivers. However, accident forgiveness and new/better car replacement are missing from State Farm's coverage offerings.
What Makes an Insurer the Best for Drivers With Offenses?
If they can find companies willing to insure them, drivers with offenses (also known as high-risk drivers) often pay much higher premiums. A good insurance company for these drivers will have lower rates than competitors and offer discounts and coverages involving accident forgiveness and car replacement costs. Although State Farm lacks these coverages, it is by far the cheapest insurer for high-risk drivers and has numerous discount opportunities.
Best Car Insurance in Texas for Drivers With New Cars
According to MoneyGeek's research on insurers who offer new or better car replacement, Allstate is the best option. This category's ranking was based on cost and quality of service for Texans driving a 2022 model automobile and was restricted to insurers that provide new or better car replacement. Here are our top recommendations:
- Allstate: MoneyGeek score of 89 out of 100 ($1,393 per year)
- Foremost: MoneyGeek score of 81 out of 100 ($2,009 per year)
Allstate outperforms its peers with the lowest premium and solid customer service. Drivers with new cars can benefit from purchasing new or better car replacement coverage as an add-on to their policies. These coverages will help you buy a new car if your current one gets totaled in a covered accident. With new car replacement coverage, your insurer will replace your car with a brand new one of the same make and model. But with better car replacement coverage, you’ll get a newer car by one model year.

pros
Offers the cheapest rate at $1,393 per year on average for a new car
Offers new car replacement and custom parts coverage
Scores above average on customer satisfaction and coverage options
cons
Low ratings for claims handling
COMPANY HIGHLIGHTS
We recommend Allstate as the most affordable insurance for Texans who have recently purchased a new vehicle. While most car insurance policies will only pay for the vehicle's depreciated value if your brand-new car is completely destroyed, Allstate will replace it with a new model if it is less than two years old if you have that coverage on your policy. In addition, drivers with current- or one-year prior models are eligible for premium discounts.
Allstate's custom parts coverage will benefit someone with custom equipment installed in their vehicle. It can provide added protection in the event of damage or theft.
Even though Allstate received high marks in J.D. Power's assessment of customer satisfaction, the insurance provider's claims handling is subpar.
What Makes an Insurer the Best for Drivers With New Cars?
A new car is a substantial investment, and drivers should take steps to protect it. New or better vehicle replacement coverage is an important option for these drivers, and a good insurance provider will offer it. When it comes to new car replacement coverage in Texas, Allstate is the most cost-effective, while Foremost adds an extra $616 to the yearly premium. Although Texas Farm Bureau scores higher for affordability in the state, it doesn't offer this add-on and, therefore, is not the best for a new car.
Best Car Insurance in Texas for Military Drivers
Earning a MoneyGeek score of 92 out of 100, USAA topped our list of the best car insurance companies for drivers in the military community. The average full coverage premium from USAA costs $878 per year, the fourth cheapest in Texas. With affordable policies and coverages specifically tailored to the needs of active-duty military personnel, veterans and their family members, USAA is the optimal choice you should consider if you meet its eligibility requirements.

pros
Ranks first in customer satisfaction
Ranks fourth in affordability, with a premium averaging $878 per year
Provides accident forgiveness coverage as an add-on
cons
Below-average ratings for claims handling and add-on coverage options
Doesn’t offer gap insurance or original equipment manufacturer (OEM) insurance coverage
COMPANY HIGHLIGHTS
USAA is the ideal insurer for drivers with a military background and their families. It came out on top in customer satisfaction based on data from J.D. Power and the NAIC. USAA’s full coverage policy is also among the cheapest in Texas. In addition to basic add-on coverages such as roadside assistance and rental car coverage, USAA offers accident forgiveness. Policyholders can purchase this to avoid an auto policy increase after their first at-fault accident, but you need to be accident-free for five years to be eligible. USAA also has a wide range of discounts catering to military personnel, including one for parking your car on base.
How to Find the Best Car Insurance in Texas for You
The best car insurance companies combine affordability, financial stability and an established record of top-notch service. MoneyGeek has already collected quotes to help you find the insurer that matches your needs and profile, but we’ll walk you through the basic steps if you want to do your own research.
Research customer service reputations in Texas
MoneyGeek has summed up the customer service ratings of the top providers in Texas using data from J.D. Power's customer satisfaction study and the NAIC customer complaint index. These reputable and independent agencies can guide you when checking an insurer's service record. You may also visit the Texas Department of Insurance website to get more information on a particular insurance company.
Compare quotes
MoneyGeek's quotes represent average rates for sample drivers in the Lone Star State, but these may vary from your actual rates since insurers consider several personal rating factors when calculating premiums. It's still good practice to check personalized quotes from at least three different insurers to get a rough estimate of how much your car insurance will cost.
Find the coverages you want in Texas
Some insurers offer state-specific coverages and discounts, which they advertise on their websites. It's worth the time and effort to visit your preferred insurance company's website to see the coverages and discounts it offers. Contact the insurer to confirm its web-advertised offers.
Check financial stability ratings
An insurer's financial strength rating will give you an idea of how well it can meet its financial obligations to its policyholders who file a claim. Check the financial strength rating of the insurer you're considering purchasing a policy with, whether a regional or national insurance company. If it doesn't score highly, you may want to consider a different company.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Texas
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Experts' Insight on Finding the Best Car Insurance in Texas
- What is the best way to figure out which insurer is best for me in Texas?
- What are the best coverages to add to your car insurance policy in Texas?

Clinical Assistant Professor at The University of Texas at Arlington
About Mark Fitzpatrick

sources
- J.D. Power. "2022 U.S. Auto Insurance Study." Accessed January 10, 2023.