Best Car Insurance Texas
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Geico is among the cheapest car insurance companies in Texas across a wide range of drivers, from good drivers to those with problematic driving records. In addition, Texans with poor credit should compare quotes from Geico, which has very competitive rates for this situation, among the companies we analyzed.
Germania Mutual has especially good Texas auto insurance rates for good drivers and also folks who have gotten a ticket for driving without insurance. But it has only average Texas rates for drivers with a DUI conviction.
Nationwide is a reliable source for cheap car insurance in Texas. Drivers with poor credit should compare quotes from Nationwide, which has competitive rates compared to many insurers in the state that penalize poor credit with high insurance rates.
USAA consistently offers good insurance rates for military members and veterans across the country. Good drivers and drivers with a speeding ticket can generally get cheap Texas auto insurance from USAA, based on our analysis. However, Texans with poor credit may not find the most competitive rates from USAA.
National General, a subsidiary of Allstate, earned a top rating in our analysis thanks to its cheap car insurance in Texas for good drivers, people with a speeding ticket or DUI, and folks with poor credit. Texans with accidents on their records may not find the most competitive rates from National General, so be sure to compare quotes from other insurers.
You can potentially save on car insurance depending on what type of car you own. In Texas, the Honda CR-V LX, Subaru Forester 2.5i and Hyundai Tucson SE are among the most affordable options for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.
Texas auto insurance policies will automatically include $2,500 in personal injury protection (PIP), but you can reject it in writing. PIP insurance pays for medical bills for you and your passengers, no matter who caused the accident.
There are always going to be drivers out there who have no insurance or very little. You can build a defense against them with uninsured and underinsured motorist coverage. This will pay for your medical and auto repair bills. It also pays out if your accident was from a hit-and-run driver.
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However, our editorial team has surveyed the market and found several carriers that offer lower than average auto insurance rates. Our best Texas car insurance companies also offer substantial discount opportunities, have high customer satisfaction ratings from J.D. Power and have earned excellent financial strength ratings from AM Best. According to our findings, the top car insurance in TX is offered by these five companies:
Why USAA made our list: USAA earns the highest score in the 2022 J.D. Power study, 885 out of 1,000. USAA auto insurance may be an exceptional option for those who qualify for coverage. It has the second-highest Bankrate Score on our list for its strong customer service, wide range of coverage options, financial strength and attractive average rates. Policyholders can pair standard coverage with optional endorsements like accident forgiveness or car replacement assistance to create a policy that suits your unique needs.
To find the best car insurance companies in Texas, rates provided by Quadrant Information Services were analyzed to see what drivers in Texas are paying for car insurance coverage on average. While rates are important, other factors are likely important, too. Looking at other metrics may help a driver select the best company all around, and not simply for the cheapest rates.
Drivers pay an average of $565 per year for minimum coverage and $2,019 for full coverage car insurance in Texas. The national average premiums for car insurance are $622 per year for minimum coverage and $2,014 per year for full coverage, putting Texas about on par with what drivers pay on average across the country for car insurance. Texans actually pay less on average for full coverage auto insurance rates than drivers in nearby Louisiana and Colorado, where drivers pay $2,909 and $2,121 per year respectively. Louisiana is one of the most expensive states for car insurance in the U.S.
Car insurance is required for Texas drivers by state law. If you are found to be driving without insurance you may be subject to fines and other penalties. It is worth taking the time to survey the market before you purchase a policy so that you can be sure you are paying the best price for the most robust coverage. Here are some of the steps you should consider before you choose the policy that is right for you:
Texas law requires all drivers to carry certain minimum levels of auto insurance coverages, including liability insurance. Texas auto insurers must also offer uninsured motorist coverage, underinsured motorist coverage and personal injury protection (PIP), although these options can be declined in writing. Bear in mind that the state-required minimum coverages might not provide adequate protection. To protect your assets, you may need to buy higher levels of liability coverages, along with optional protections such as uninsured and underinsured motorist coverages.
Although drivers in Texas are required to carry at least a minimum amount of liability insurance, you may have additional requirements if your car has a loan or lease. In this situation, your financial institution may also require you to purchase collision and comprehensive coverage. This ensures that your vehicle is covered if it is stolen or totaled in a covered accident.
When compared to the national average of $1,442, Texans pay a car insurance rate that is $400 more annually at $1,842. These averages are from our Best Car Insurance Companies of 2023 study. Please note that your insurance costs may be higher or lower based on factors like your driving record, gender, age, and ZIP code as well as how the insurance company you choose calculates its rates.
Throughout most of the categories we reviewed, Texas Farm Bureau offers the cheapest car insurance options in Texas, and Home State Insurance offers the most expensive. On average, policyholders with Texas Farm Bureau see an annual rate of $881, while those insured with Home State Insurance pay $3,341 per year.
Drivers in Texas and across the U.S. benefit from lower car insurance rates as they leave their teens and enter young adulthood. Texas females who are 25 years old and unmarried have car insurance costs that average $2,095 per year. Males in the same demographic have average rates of $2,293. Texas Farm Bureau has the cheapest annual rates on average, $1,110 for women and $1,282 for men. Home State Insurance is the most expensive option for female drivers with an average rate of $3,445 per year, while The General is the most expensive for male drivers at $3,637.
The average car insurance rates for 60-year-olds who are married drop to $1,528 annually for females and $1,662 for males. Once again, Texas Farm Bureau and Home State Insurance represent the cheapest and most expensive carriers, respectively. Females pay an average of $640 per year with Texas Farm Bureau and $2,919 with Home State Insurance. Males pay slightly more per year with both insurers: $674 with Texas Farm Bureau and $3,393 with Home State Insurance.
If you live in Texas and have been caught speeding, you may want to get an auto insurance quote from Texas Farm Bureau. According to our data, its average rate for drivers with one speeding ticket is the same as its rate for drivers with a clean record: $881 per year. Therefore, the carrier may not apply a surcharge for your first speeding offense. On the other side of the spectrum, Home State Insurance increases its annual policy costs to $4,221.
Being found guilty of driving under the influence can negatively affect your auto insurance rates and eligibility with certain insurance companies. In Texas, the average annual insurance rate in this category is $2,767. The cheapest and most expensive carriers for those with a DUI conviction are State Farm with an average rate of $1,901 per year and Allstate with an average of $4,661 per year.
Electing high coverage limits increases average yearly car insurance costs in Texas to $1,971. Texas Farm Bureau and Home State Insurance are at the low and high ends of our data, with the former offering an average rate of $935 per year and the latter offering a rate of $3,527.
Drivers must provide proof of financial responsibility in Texas, meaning they have to prove that they can pay for car accident damages they are responsible for. To satisfy this requirement, most drivers choose to carry auto insurance. Texans can also make a deposit with the Department of Public Safety, state comptroller, or a county judge; purchase a surety bond; or apply for a certificate of self-insurance.
You will need to get car insurance once you purchase a new vehicle or move to the state. If you already have an effective Texan car insurance policy, then you will have automatic coverage on a new car for approximately 20 days. How much coverage you have depends on if you purchased an extra car or if you are replacing your current one.
Besides being held personally accountable for vehicle repairs and medical expenses you cause in an accident, you can also face legal penalties for driving without insurance in Texas. These penalties can include:
No, Texas is a tort, or at-fault, insurance state. This means that if you are deemed at-fault in an accident, then you may be held liable for resulting damages like medical care, vehicle repairs, and pain and suffering. Having the proper car insurance coverage can help you pay for these costs and avoid being sued. 59ce067264