Best car insurance In Texas For May, 2024

Based on over 30 hours of extensive research and information gleaned from dozens of quotes from leading insurance companies in Texas, we’ve determined that GEICO is the top choice if you’re looking for car insurance for many motorist categories.

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Updated: 08 March 2024
Written by
Bob Phillips
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GEICO was the lowest cost overall and the best for Texas motorists with driving infractions or drivers looking for minimum and comprehensive car insurance coverage. The insurance company also offers the most advantageous rates for elderly drivers.

Texas has for a long time been an attractive stomping ground for businesses in the R&D industry. Many professionals have moved to the state to pursue career opportunities in technology, science, and pharmaceutical spaces. If you plan to move to Texas, one of the things you need to consider is what insurance policy makes the most sense for you.

Most motorists in Texas will pay approximately $254 to secure liability-only coverage and $314 to secure full comprehensive coverage. There are some areas in Texas where drivers can get rates for as little as $208 per month.

The sections that follow will look at the state of car insurance in Texas. We’ll compare different insurance companies and highlight driver categories and what drivers can expect to pay.

Best Car Insurance Companies in Texas 2024

Compare the Best Car Insurance Companies in Texas

Overall Rating Best For JD Power Rating Average Annual Cost AM Best Rating Get A Quote
GEICO
4.7

Best Overall

824

$1,262

A++

Instant Quote
GEICO
4.7

Minimum Coverage

824

$1,344

A++

Instant Quote
Nationwide
4.8

Young Adults

812

$1,921

A+

Instant Quote
State Farm
4.9

Married Drivers

877

$1,739

A++

Instant Quote
GEICO
4.7

Full Coverage

824

$1,404

A++

Instant Quote
Travelers
4.9

Bad Credit

822

$1,949

A++

Instant Quote
GEICO
4.7

Senior Drivers

824

$1,302

A++

Instant Quote
GEICO
4.7

Driving Violations

824

$2,236

A++

Instant Quote
Scroll to see comparisons

Our methodology

For our quest to find the cheapest auto insurance rates in Texas, we looked at findings from car insurance review sites, some of which assessed rates from public filings obtained through Quadrant Information Services. Our team of insurance industry professionals also used our combined 25 years of expertise to critically assess each insurer. Here’s why you can trust our research the next time you need to get car insurance in Texas: While the listed rates in this guide are accurate, keep in mind that premiums change daily and can be higher or lower based on each individual driver.

43

Quotes Analyzed

19

Brands Reviewed

15+

Years Of Experience

25+

Research Hours

Best car insurance companies in Texas


Cheapest Overall

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

If you’re like most people, you don’t enjoy the process of finding auto insurance. It can eat up a lot of time and be stressful. But GEICO makes it easy to find the right option and purchase it.

GEICO has a website that policyholders will find user-friendly. They’ll be able to do the application process online and get the information they need to make informed decisions. Sweetening the deal is the fact that GEICO offers some of the lowest insurance rates in Texas.

Few insurance carriers in the state can compare with GEICO in terms of affordability and customer satisfaction.

Benefits & Drawbacks

Benefits
  • Cost-effective coverage options for many driver categories
  • Track record for great customer service and client satisfaction
  • Intuitive and easy-to-use website and mobile app
  • Multiple discount options for policyholders
Drawbacks
  • Doesn’t offer gap insurance or rideshare insurance
  • Limited number of local agents to help current or prospective policyholders

Best Option for Married Drivers

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

State Farm is a major player for people who want insurance that is cost-effective and dependable.

State Farm is among the best when looking at competitive car insurance rates in Texas. So, it’s the type of insurance company that drivers should consider when seeking car insurance coverage. Married couples can benefit tremendously since such drivers are usually regarded as being lower risk than single drivers.

While it’s a provider of affordable car insurance coverage, State Farm doesn’t achieve this status at the expensive of comprehensive coverage. Married motorists can get cost-effective and extensive protection. Whether you want liability coverage or full comprehensive coverage, State Farm is one insurer worth contacting.

State Farm offers great premiums to drivers with good driving records. If you and your better half maintain clean driving records, you could get even better monthly premiums. State Farm, because of its commitment to rewarding good driving behavior, is a suitable option for married drivers who share a commitment to safe driving habits.

State Farm is also committed to providing policyholders with great customer service. Married couples who are combining their car insurance policies for the first time will benefit from the level of customer service State Farm offers through its network of agents.

As well, State Farm shows preferential treatment to loyal customers with renewal discounts. If you remain a State Farm customer for at least three straight years, you can get an average renewal discount of about 14%. State Farm’s commitment to policyholder loyalty further enhances its desirability as a low-cost option for married drivers.

Benefits & Drawbacks

Benefits
  • Has among the most affordable premiums in the industry
  • Provides big renewal discounts for loyal clients
  • Offers many discounts to further cut premiums
Drawbacks
  • Substantial premiums for high-risk drivers
  • Doesn’t offer gap insurance
  • Few digital tools (website and app issues)

Cheapest for Motorists with Driving Violations

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

Truth be told, GEICO’s auto coverage rates for motorists with DUIs are a bit higher than what many other insurers charge. But GEICO offers more grace to drivers with lesser traffic infractions like speeding tickets or minor fender benders. You can see this for yourself by comparing what GEICO charges versus what competitors like Travelers or Progressive charge.

GEICO is in a league of its own when it comes to the consumer shopping experience because of its easy-to-use, interactive mobile app and website. Motorists who have driving infractions on their records will have a difficult time finding a better insurer in Texas to get auto insurance from.

Benefits & Drawbacks

Benefits
  • Gets top marks for handling of claimss
  • Affordable policies available for most motorists
  • Offers several discount options for reduced premiums
  • Routinely regarded as a top insurer for policyholder loyalty and customer service
Drawbacks
  • Few local agents are available to speak to policyholders or would-be policyholders
  • Extra coverage options like vanishing deductibles and car replacement coverage unavailable
  • Rates a bit higher than average for motorists with DUIs

Cheapest For Full Coverage

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

Almost eight out of 10 — (79%) — motorists choose comprehensive coverage over minimum coverage. So, motorists have more motivation to get their car insurance coverage from a provider of cheap insurance policies like GEICO.

GEICO remains one of the most cost-effective insurers in Texas, and it offers a great shopping experience for would-be policyholders. On top of inexpensive rates, GEICO offers multiple discounts customers can potentially qualify for to reduce rates even more.

Benefits & Drawbacks

Benefits
  • Offers among the lowest average premium rates in the sector
  • Offers multiple discounts to help motorists reduce their monthly premiums
  • Regularly ranks high for customer service, overall experience, and customer loyalty
Drawbacks
  • Few local agents available meet with consumers in-person
  • Lacks add-on coverage like car replacement insurance and rideshare insurance

Best Option for Young Adults

Overall Rating
4.8

Key Statistics

8/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

There’s no denying that Nationwide charges higher premiums for young drivers compared to some other insurers. But it also offers customization options that can help policyholders save money every month. Young adults get the flexibility to obtain the coverage they need at an affordable rate.

Young adults who own older vehicles with higher mileage will especially benefit from Nationwide’s car insurance options. They’ll be able to select liability coverage rather than comprehensive coverage if they so choose. Young adults who don’t want to spend extra for full coverage on an older vehicle will appreciate the opportunity to go with liability coverage.

The insurer also offers younger motorist a break through its Good Student Discount, which can lower car insurance premiums even more. People who are enrolled for full-time high school or college students who are between 16 and 24 and maintain a “B” average can qualify. A young person who gets the Good Student Discount can save on premiums by an average of 15%.

Nationwide goes the extra mile to help younger drivers save by offering usage-based (SmartRide) and pay-per-mile insurance options. So, young adults who don’t drive a whole lot can save considerably. When insurers charge based on use, policyholders who are younger can save a bundle on their vehicle insurance coverage.

Benefits & Drawbacks

Benefits
  • Free insurance reviews can help young adults get the best coverage they can SmartRide usage-based program can reduce monthly fees
  • Student Discounts are available for young people with at least a B average
Drawbacks
  • Military discount no offered
  • Higher monthly rates for teen drivers
  • Possibility of rate hikes after filing a claim

Cheapest For Minimum Coverage

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

When seeking minimum coverage auto insurance, you’ll want an insurer that offers affordable rates and great customer service. GEICO is a great choice for both concerns.

GEICO is highly regarded for its low monthly prices and top-notch customer service staff. You can also use its mobile app to manage your policy without having to call a representative.

The favorable pricing and minimal maintenance management make GEICO the ideal choice for drivers seeking minimum coverage vehicle insurance in Texas.

Benefits & Drawbacks

Benefits
  • One of the premier insurers for customer service and experience
  • Many discounts available
  • Multiple cost-effective options for most motorist categories
  • Easy-to-use mobile app and website
Drawbacks
  • Few options for rideshare drivers
  • Lack of local agents for in-person meetings

Best Option for Those With Bad Credit

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

If you have bad credit, your car insurance premiums might be higher than you’d like. That can make it hard to find car insurance coverage you can afford. Travelers is one insurer that can help if you find yourself struggling to find affordable car insurance due to bad credit. The insurer offers some of the most reasonable monthly premiums available for people with bad credit.

Travelers offers policyholders low average rates without diluting the thoroughness of its coverage. So, customers can get affordable car insurance coverage even if they have bad credit.

The insurance company allows customers the flexibility to get the insurance coverage they need at an affordable price. Motorists with bad credit will benefit from the insurance company’s offering since they can get only the coverage they require while steering clear of the extras.

Travelers also has a track record for offering the best in customer service. So, drivers with poor credit can get the guidance, tips, and recommendations they may need to complete the process.

Travelers doesn’t merely offer lower-than-average premiums. It also offers customers numerous discount options that can reduce monthly premiums even more. Customers can take advantage of multi-policy discounts, safe motorist discounts, and other discounts to save more each month. Drivers with poor credit can reduce their premiums considerably with Travelers’ discounts.

Benefits & Drawbacks

Benefits
  • Offers a safe motorist discount
  • Minimal complaint index
  • Rates are below the national average
Drawbacks
  • Possibility of higher premiums for drivers with bad driving habits
  • Zero pay-per-mile program
  • No grace period unless state law requires one

Cheapest For Senior Drivers

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Coverage Level
9/10 Payouts
9/10 Customer Reviews

Why We Like Them

GEICO doesn’t disappoint with its cheap policies and commitment to offering great customer service to policyholders. Many senior drivers appreciate getting fast answers to their questions, which is one of the many areas where GEICO excels.

GEICO has professional staff members ready and able to respond to questions, and it offers a useful app and website where people can go to get answers as well.

Benefits & Drawbacks

Benefits
  • Receives top marks for customer experience
  • Cheap monthly rates and many available discounts to reduce rates even more
  • User-friendly website and mobile app for managing policies and updating information
Drawbacks
  • Few options for policyholders who wish to talk with an agent in-person
  • Limited options for motorists looking for coverages such as rideshare insurance

Average cost of car insurance in Texas

Insurance Company Average Monthly Quote
GEICO $117
Plymouth Rock $194
State Farm $216
Travelers $218
Nationwide $251

Average cost in Texas – By Age

Age Group Average Monthly Rate
Teenagers $587
Under 25 $371
25-29 $284
30s $272
40s $262
50s $233
60s $199
70s $185
80s $180

Average cost in Texas – By Gender

Gender Average Monthly Cost
Male $319
Female $312

Average cost in Texas – Marital Status

Marital Status Average Monthly Cost
Married $276
Single $320

Average cost in Texas – By Accident and Violation History

Violation/Incident Type Average Monthly Rate
Clean Record $316
At-Fault Accident $448
DUI/DWI $629
Speeding Ticket $427

Average cost in Texas – By Credit Tier

Credit Tier Average Monthly Rate
Excellent $241
Good $286
Fair $311
Poor $489

Average cost in Texas – By Zip Code

Zip Code Average Monthly Cost
08754 $208
08732 $208
08735 $209
08751 $210
08755 $210
08756 $210
08753 $212
07087 $324
07047 $324
07094 $327

Minimum car insurance requirements in Texas

Most states require car insurance to operate a motor vehicle – and Texas is no exception.

Below are the state car insurance requirements for Texas motorists:

  • $25,000 in bodily injury liability per individual and $50,000 per accident
  • $25,000 in property damage liability per accident
  • $15,000 in personal injury protection per individual
  • Uninsured and underinsured coverage equal to the minimum bodily injury liability coverage

How to buy car insurance in Texas

Many people find the insurance shopping process to be stressful. That’s all the more the case if it’s their first time doing so. Using a platform like Insuranceopedia can make the experience easier and undaunting.

Here are some steps to follow when looking for car insurance in Texas:

Step 1: Get Your Information Together

If you have all the documents and information needed during the process, you’re less likely to get overwhelmed. So, do yourself a big favor by getting your information together before you start the process.

Here’s a look at the information you’ll need to get car insurance in Texas:

  • Vehicle like make, model, and year of the vehicle, annual mileage, safety features, odometer reading, and VIN
  • Driving history for all motorists on the plan
  • Name and birthdate of all people on the plan
  • Driver’s license numbers for all drivers who’ll be on the plan
  • Information on the current insurer, if you’re changing carriers

Step 2: Know Your Coverage Needs

As you look at various auto insurance plans, you’ll see that they have different coverage limits. You’ll want to choose the policy that’s the best fit for your family, but you’ll also want to ensure your policy meets the requirements for motorists in Texas:

  • $25,000 in bodily injury liability per individual and $50,000 per mishap
  • $25,000 in property damage liability per mishap
  • Uninsured and underinsured coverage equal to the minimum bodily injury liability coverage
  • $15,000 in personal injury protection per person

Step 3: Choose a Purchasing Method

You can get the car insurance policy you need in different ways in Texas. One option is to buy insurance from an online platform, and another is to make an appointment to speak with an insurance agent to get the policy you need. The first option is gaining in popularity, but some insurers will be happy to make an appointment for you to speak with an agent.

Both options offer benefits depending on what you want. If you talk with an agent, you can get immediate answers to your questions. But if you do it online, you can easily get quotes and get insurance without having to work with an insurance agent if you don’t want to.

Step 4: Compare Different Car Insurance Policies

Instead of going with the first quote an insurer offers, you should get quotes from no fewer than three insurance providers so that you can compare and choose the right one for you.

Step 5: Select Your New Car Insurance Policy

The next step is to finalize the deal for your car insurance policies. But don’t forget to cancel any existing policies you might have. You don’t want to be overbilled.

Things that impact cost of your auto insurance policy in Texas

Many drivers in Texas can get comprehensive car insurance for about $314. But various things impact monthly premiums, such as location within the state.

Many insurance providers look at data about different cities and zip codes in the state to figure out the odds of accidents or vandalization. If you’re in a high-risk area, you will likely pay more for car insurance.

Other factors that will impact your car insurance policy rates include the following:

  • Age
  • Marital status
  • Gender
  • Credit history
  • Average annual mileage
  • Driving record
  • Vehicle type
  • State mandated requirements

Texas car insurance laws to know

Drivers must offer proof of the following three types of insurance to drive a vehicle legally:

  • Uninsured drivers coverage to protect yourself against other motorists who don’t have the appropriate insurance to cover your expenses if they are deemed at-fault
  • Liability insurance to pay for damages you cause due to an at-fault accident
  • Personal injury protection to pay for medical bills due to car accidents regardless of who was at-fault

In the news

  • Texas has a Consumer Bill of Rights applicable to car insurance. When you contact an insurer, the company will give you this bill of rights when you obtain or renew your policy.

Car insurance discounts in Texas

Texas ranks among the most expensive states for car insurance policies, so it’s vital to understand how you can reduce monthly payments. Consider the following discount offer opportunities to reduce your premium and find a cost-effective auto insurance plan:

  • Good student
  • Senior
  • Multi-policy
  • Multi-vehicle
  • Student away
  • Defensive driving
  • Paid in full
  • Low mileage
  • Safe driver
  • Accident-free
  • Military

FAQs

How much is auto insurance in Texas per month?

Various factors influence driver insurance rates in Texas. Factors include location, driver’s history, vehicle type, credit, mileage, and age. Most motorists in Texas will pay about $254 for liability-only car insurance and $314 for full coverage auto insurance.

What is the minimum car insurance required in Texas?

Texas mandates various coverages to legally operate a car. The requirements include the following:

  • $25,000 in bodily injury liability per individual and $50,000 per accident
  • $25,000 in property damage liability per incident
  • $15,000 in personal injury protection per individual
  • Uninsured and underinsured coverage equal to the minimum bodily injury liability coverage

What type of insurance does every driver need in Texas?

To legally drive in Texas, people will need the following four coverages:

  • Bodily injury liability insurance
  • Personal injury protection (PIP)
  • Uninsured/Underinsured coverage
  • Property damage liability insurance

How much liability insurance do I need on my car Texas?

To drive in Texas, you’ll need a policy offering at least $25,000 in bodily injury liability per individual and $50,000 in bodily injury liability per incident. Your policy must also have at least $25,000 in property damage liability coverage per incident.

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