Texas Car Insurance Quotes: Compare Progressive, State Farm and More

What’s the best starting point when getting car insurance quotes in Texas? To help you decide where to look first, MoneyGeek calculated average quotes from Texas’s biggest insurance providers, including Progressive, State Farm and GEICO, for different driver profiles.

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Last Updated: 4/7/2022
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In Texas, acquiring car insurance quotes online takes around four to eight minutes per company. MoneyGeek gathered quotes from various insurance providers for multiple driver types so you can compare rates in just a few minutes.

Your driving profile determines car insurance quotes in Texas. For example, if you’re a 40-year-old with a clean record, excellent credit and state minimum insurance driving an SUV, you pay approximately $529 per year for car insurance. But if you’re a 20-year-old luxury sedan driver with an accident on your record, poor credit and a full coverage policy, you pay roughly $10,041 per year.

Car Insurance Quotes in Texas by Company

Progressive, State Farm and GEICO are the largest insurance companies in Texas by market share. MoneyGeek gathered and averaged quotes from these and other leading Texas auto insurers for different profiles, considering age, driving record, credit score, and more.

Driver’s looking to save on their premium can check out MoneyGeek’s study about the cheapest car insurance policies in Texas. We also evaluated the average cost of car insurance in Texas to show how much insurance premiums change depending on different factors.

Remember that the insurance quotes in MoneyGeek’s guides are before discounts.

MoneyGeek collected thousands of car insurance quotes in Texas. Toggle your driver characteristics to personalize quotes for a better estimate of your rates.

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Compare Texas Car Insurance Quotes

Customize the toggles and get Texas car insurance quotes that fit your profile

State Farm Car Insurance Quotes in Texas

A State Farm policy in Texas costs around $924 per year.

State Farm’s cheapest quoted policy is for a 40-year-old SUV driver with a clean record, an excellent credit score and a state minimum insurance policy at approximately $407 per year.

Meanwhile, the priciest State Farm quote in Texas is roughly $7,827 per year for a 20-year-old luxury sedan driver with a DUI on their record, a poor credit score and full coverage insurance.

You can use the table below to select characteristics that fit your profile and compare the cost of state minimum and full coverage car insurance in Texas.

State Farm Car Insurance Quotes in Texas

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  • Coverage Level
    State Farm Average Annual Quote
  • State Minimum Liability
    $510
  • 100/300/100 Comprehensive/Collision
    $953

GEICO Car Insurance Quotes in Texas

In Texas, the average cost of a GEICO car insurance policy is $952 per year.

A 40-year-old SUV driver with a clean record, an excellent credit score and state minimum insurance receives GEICO’s most affordable quoted policy of around $434 per year.

GEICO’s most expensive policy is for a 20-year-old luxury sedan driver with a DUI on their record, a poor credit score and full coverage at approximately $8,329 per year.

In the table below, you can select characteristics that match your profile and compare the cost of a state minimum policy against a full coverage insurance policy.

GEICO Car Insurance Quotes in Texas

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  • Coverage Level
    GEICO Average Annual Quote
  • State Minimum Liability
    $544
  • 100/300/100 Comprehensive/Collision
    $981

Allstate Car Insurance Quotes in Texas

On average, an Allstate car insurance policy in Texas costs $1,168 per year.

Allstate’s most inexpensive policy is for a 40-year-old SUV driver with a clean record, an excellent credit score and state minimum insurance, approximately $471 per year.

The most expensive Allstate quoted policy is for a 20-year-old luxury sedan driver with a DUI on their record, a poor credit score and full coverage at roughly $9,270 per year.

You can pick characteristics that match your profile and compare the cost of state minimum and full coverage car insurance in Texas in the table below.

Allstate Car Insurance Quotes in Texas

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  • Coverage Level
    Allstate Average Annual Quote
  • State Minimum Liability
    $591
  • 100/300/100 Comprehensive/Collision
    $1,204

USAA Car Insurance Quotes in Texas

USAA car insurance in Texas costs on average $885 per year. It’s available for current and former military and their families.

The most affordable USAA quote is for a 40-year-old SUV driver with a clean record, an excellent credit score and state minimum insurance at roughly $348 per year.

At around $7,003 per year is USAA’s most expensive quoted auto policy in Texas for a 20-year-old luxury sedan driver with an accident on their record, a poor credit score and full coverage insurance.

You can choose details that fit your driving profile and compare the cost of a state minimum and a full coverage car insurance policy using the table below.

USAA Car Insurance Quotes in Texas

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  • Coverage Level
    USAA Average Annual Quote
  • State Minimum Liability
    $437
  • 100/300/100 Comprehensive/Collision
    $912

Farmers Car Insurance Quotes in Texas

A Farmers car insurance policy in Texas has an average cost of $821 per year.

A 40-year-old SUV driver with a clean record, an excellent credit score and a state minimum insurance policy gets the cheapest quote from Farmers at around $345 per year.

The most expensive Farmers quoted policy is roughly $6,095 per year for a 20-year-old luxury sedan driver with a DUI on their record, a poor credit score and full coverage insurance.

You can use the table below to select characteristics that fit your profile and compare the cost of a state minimum and a full coverage car insurance policy.

Farmers Car Insurance Quotes in Texas

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  • Coverage Level
    Farmers Average Annual Quote
  • State Minimum Liability
    $433
  • 100/300/100 Comprehensive/Collision
    $846

How to Get Free Car Insurance Quotes in Texas

There are numerous ways to determine how much car insurance will cost in Texas, such as getting a car insurance estimate. To do this, you can do research or use MoneyGeek’s data and get an idea of how much you should be paying for car insurance.

MoneyGeek detailed car insurance quotes in Texas by company above, but for more accurate estimates, you can use our car insurance calculator for Texas.

You can also compare actual binding quotes with real prices from car insurance companies in Texas. Although time-consuming, it gives the most accurate prices.

Auto Insurance Calculator

State

Texas

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$432

2.

Farmers

$452

4.

AAA

$565

5.

GEICO

$575

How to Get Car Insurance Quotes from Insurers in Texas

To get car insurance quotes in Texas, you can use online tools or speak to an insurance agent or broker. You provide your personal information and vehicle details throughout the process. In addition, you disclose how much car insurance you need for an accurate quote.

MoneyGeek evaluated how long it takes to get quotes from Texas’s leading insurance companies and identified which companies lack online quote tools.

Our research reveals Progressive has the fastest quote tool among Texas insurers. We also found companies with quote tools on their website that didn’t produce an estimate for our sample profile. In that case, we tagged the company as having no online quote process.

How Fast Are Online Quote Tools in Texas?
  • Length of Online Quote Process
    Companies
  • Quick Online Quote Process (<10 Minutes)

    • Progressive
    • State Farm
    • BERKSHIRE HATHAWAY GRP
    • Allstate
    • LIBERTY MUT GRP
    • TEXAS FARM BUREAU MUT GRP
  • No Online Quote Process

    • USAA
    • FARMERS INS GRP
    • CONSUMERS CNTY MUT INS CO
    • HOME STATE INS GRP

Progressive Car Insurance Quote Tools in Texas

Progressive offers a quote tool on its website, and using it takes two minutes on average. Upon getting a quote for our sample driver, MoneyGeek could change the policy details, such as coverage levels. The tool updates rates depending on the adjustment.

State Farm Car Insurance Quote Tools in Texas

You can use the State Farm online quote tool to get an estimate on a car insurance policy, which takes approximately five minutes. MoneyGeek discovered you could update your coverage levels and see how prices change in real-time after collecting a quote for our sample driver.

GEICO Car Insurance Quote Tools in Texas

Getting an estimate of your car insurance premium using GEICO’s online quote tool takes around four minutes. MoneyGeek obtained a quote for our sample driver, and the tool gave us the option to bundle other insurance policies to access discounts.

Allstate Car Insurance Quote Tools in Texas

Allstate offers an online quote tool for car insurance. It took MoneyGeek approximately two minutes to gather a quote for our sample driver, and the tool allows changes in coverage levels with real-time price updates. The tool even helps you find possible discounts.

USAA Car Insurance Quote Tools in Texas

An online quote tool is on USAA’s website. However, it didn’t produce a quote for MoneyGeek’s sample driver; instead, it asked us to call the company for a quote.

Farmers Car Insurance Quote Tools in Texas

MoneyGeek tried to use Farmers online quote tool for our sample driver, but we received an error message that the system could not provide us a quote at that time. For that reason, we do not consider the Farmers quote tool to be reliable, and you may have to contact a representative by phone.

Liberty Mutual Car Insurance Quote Tools in Texas

You can use Liberty Mutual Group’s online quote tool to know how much an auto policy may cost for you. It took roughly two minutes to get a quote for MoneyGeek’s sample driver, and you can make adjustments to the policy limits and more to see price changes in real-time.

Texas Farm Bureau Group Car Insurance Quote Tools in Texas

Texas Farm Bureau offers a quote tool on its website. MoneyGeek used it to produce a quote for our sample driver, and it takes four minutes on average before it calculates a quote. The tool does allow coverage modifications and reflects price changes right away.

CONSUMERS CNTY MUT INS CO Car Insurance Quote Tools in Texas

Consumers County Mutual does not have an online quote tool.

Home State Ins Group Car Insurance Quote Tools in Texas

Home State Insurance Group’s website doesn’t feature a car insurance quote tool. To get a quote, you must contact an agent.

FAQ About Car Insurance Quotes in Texas

Getting car insurance quotes in Texas can go faster than you might expect. To help you understand the process further, MoneyGeek answered the most common questions about getting car insurance quotes in Texas.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.