The Best Car Insurance in Texas for 2023

Amica, Nationwide, Progressive and State Farm top NerdWallet’s list of the best car insurance companies in Texas.
Ben Moore
By Ben Moore 
Updated
Edited by Lacie Glover

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You’ll want the best car insurance in Texas when you’re navigating the Lone Star State’s open roads and large highways. But finding the coverage you need from a company you can trust can be tricky, so we’ve done the research for you.

Check out our ranking of the best car insurance companies in Texas below, based on factors like customer satisfaction, ease of use, coverage offered and discounts available.

If you’re looking for the most affordable car insurance, take a look at NerdWallet’s rate analysis of the cheapest car insurance in Texas.

The best car insurance in Texas

A great auto insurance company offers quality coverage and discounts while still providing strong customer service and satisfaction. NerdWallet looked at more than 25 auto insurers in Texas to narrow down the best options.

Below are the best car insurance companies in Texas. Amica, Nationwide, Progressive and State Farm came out on top, but we’ve included a total of 9 auto insurers with a NerdWallet star rating of 4.5 or higher.

Company

Star rating

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

*USAA is available only to military, veterans and their families.

How we found the best car insurance in Texas: NerdWallet’s editorial team considered financial strength, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Texas. Our "ease of use" category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best auto insurance companies is likely to change.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

Amica

insurance-product-card-logo

Amica

5.0

NerdWallet rating 
High marks for customer satisfaction and low consumer complaints make Amica a great choice for good drivers.

Discounts

Great set of discounts

Ease of use

Below average

NAIC complaints

Fewer than expected
insurance-product-card-logo

Amica

5.0

NerdWallet rating 
High marks for customer satisfaction and low consumer complaints make Amica a great choice for good drivers.

Discounts

Great set of discounts

Ease of use

Below average

NAIC complaints

Fewer than expected

Amica’s high customer satisfaction and coverage offerings make it one of the best car insurance companies in Texas. The company was the top-ranked insurers in a 2022 J.D. Power U.S. Auto Claims Satisfaction Study, and was ranked third in a 2022 J.D. Power Auto Insurance Shopping Study for midsize insurance companies.

Amica also has fewer than the expected number of complaints to state regulators and offers a variety of car insurance discounts. You can manage your policy, pay a bill or check on claims with Amica’s mobile app.

Nationwide

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Nationwide

5.0

NerdWallet rating 
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
insurance-product-card-logo

Nationwide

5.0

NerdWallet rating 
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Based on our ratings, Nationwide is a great pick for drivers in Texas. The company offers optional coverage like accident forgiveness and loss of use coverage, which pays for transportation if you can’t drive your own car due to a covered claim. Nationwide also has great customer satisfaction, boasting fewer than the expected number of complaints to state regulators for a company of its size.

Texas drivers can take advantage of the company’s wide range of discounts, including savings for insuring multiple vehicles, setting up automatic payments and practicing safe driving for at least five years. If you’re comfortable letting Nationwide track your driving behavior, you can sign up for the company’s SmartRide program for an immediate discount. You may save even more with the program if you practice safe driving habits, like avoiding hard braking and aggressive acceleration.

Progressive

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Progressive

5.0

NerdWallet rating 
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
insurance-product-card-logo

Progressive

5.0

NerdWallet rating 
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Progressive’s discounts and coverage offerings make it one of the best car insurance options available in the Lone Star State. In addition to standard auto coverage, Progressive offers features like pet injury protection and a deductible savings bank, which lowers your collision and comprehensive deductible by $50 for every policy period you go without a driving violation or filed claim. The company also has fewer than the expected number of complaints to state regulators for a company of its size.

Texans can take advantage of Progressive’s variety of discounts, including a discount for paying your policy in full, insuring multiple cars or getting a quote online. If you’re comfortable sharing your driving data with the company, you may also save by allowing Progressive to track your driving behavior through its Snapshot program.

State Farm

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State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

State Farm is one of the best companies in Texas due to its strong customer service and satisfaction. State Farm was the highest-ranked company in a 2022 J.D. Power U.S. Insurance Shopping Study for overall customer satisfaction. It also has fewer complaints to state regulators than expected for a company of its size.

The company offers a variety of coverage options. For example, State Farm offers car rental and travel expenses coverage, which goes beyond just paying for a rental while yours is in the shop for a covered claim. It also pays for things like meals, lodging and transportation if your car is damaged at least 50 miles away from home.

Texans can take advantage of discounts for taking a defensive driving course or insuring multiple cars. If you practice good driving habits, you may also save by allowing State Farm to track your driving behavior with the Drive Safe & Save program.

Car insurance is sold exclusively from State Farm agents. You can locate a Texas agent through State Farm’s website.

Allstate

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Allstate

4.5

NerdWallet rating 
With plenty of coverage options and discounts, this auto insurance giant is worth a look.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected
insurance-product-card-logo

Allstate

4.5

NerdWallet rating 
With plenty of coverage options and discounts, this auto insurance giant is worth a look.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected

Allstate offers a variety of discounts and features, making it one of the best car insurance companies in Texas. Discounts are available for bundling your auto insurance with another policy, insuring a new car and signing up for a new policy at least a week before it goes into effect. The company also has strong customer satisfaction. It ranked above the industry average in a 2022 J.D. Power U.S. Auto Claims Satisfaction Study.

Allstate offers two usage-based driving programs, which use a plug-in device or mobile app to track your driving behavior. Texans have the option to either pay per mile with Allstate’s Milewise program or earn cash back for safe driving with its Drivewise app.

Farmers

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Farmers

4.5

NerdWallet rating 
One of the country's largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
insurance-product-card-logo

Farmers

4.5

NerdWallet rating 
One of the country's largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Farmers is one of the largest car insurance providers in the state of Texas and also one of the best in our analysis. The insurer has strong customer satisfaction — it scored better than the industry average in a 2022 J.D. Power U.S. Auto Claims Satisfaction Study. Farmers also has fewer than the expected number of complaints to state regulators for a company of its size.

Farmers offers a variety of policy savings to Texan drivers, including a discount for being a new customer, going five years without an accident, plus savings if you bundle your auto insurance with another policy. You may earn a discount for good driving habits if you allow Farmers to track your driving behavior with the Signal mobile app.

Geico

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Geico

4.5

NerdWallet rating 
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Close to expected
insurance-product-card-logo

Geico

4.5

NerdWallet rating 
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Close to expected

Geico’s strong customer satisfaction and customer service make it a great choice for drivers in Texas. The company was ranked above the industry average in a 2022 J.D. Power Auto Claims Satisfaction Study. Additionally, Geico received an online experience score of 77 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June 2022. To put that in perspective, the average score among 10 insurers was 75, and the highest was 80.

Geico offers many discounts to help Texas drivers save, plus a robust website and mobile app to help you manage your policy. The company also offers some unique coverage, like its mechanical breakdown coverage for repairs to a new car. Geico can also provide auto coverage for trips to Mexico.

Travelers

insurance-product-card-logo

Travelers

4.5

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Fewer than expected
insurance-product-card-logo

Travelers

4.5

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Fewer than expected

Travelers’ coverage offerings and ease of use make it one of the best insurers in the state. Plus, the company sees fewer complaints to state regulators than expected for a company of its size. In addition to standard auto coverage, the company offers extras like accident forgiveness and Premier new car replacement, which will replace a new car if it’s totaled within the first five years of ownership.

The company also has strong customer satisfaction. Travelers received an overall satisfaction score of 78 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June 2022. To put that in perspective, the average score among seven insurers was 77, and the highest was 82.

Travelers offers a variety of savings to Texas drivers, like discounts for safe driving, paying your policy in full or driving a hybrid or electric car. You could also be rewarded with a discount for practicing safe driving habits if you let the company track your driving behavior through the IntelliDrive mobile app.

USAA

insurance-product-card-logo

USAA

4.5

NerdWallet rating 
USAA offers insurance to active military, veterans and their families only.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Close to expected
insurance-product-card-logo

USAA

4.5

NerdWallet rating 
USAA offers insurance to active military, veterans and their families only.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Close to expected

While policies are available only to active military, veterans and their families, USAA’s high customer satisfaction and coverage offerings make it one of the best companies in Texas. The company offers extras like rideshare insurance and rental reimbursement, plus ways to save money. Texans could be eligible for discounts for logging low annual mileage or bundling auto insurance with a homeowners or renters policy. You can file a claim or manage your policy anytime online or with the USAA mobile app.

The company boasts strong customer satisfaction. USAA placed among the best companies in Texas for customer satisfaction in a 2022 J.D. Power U.S. Auto Insurance Study. USAA also received an overall satisfaction score of 82 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June 2022. To put that in perspective, the average score among seven insurers was 77, and the highest was 82.

Methodology

2022 auto insurance survey methodology

The survey of 7,755 adults age 18 and older was conducted online by Russell Research on behalf of NerdWallet in June 2022. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months, and the policy had to be in their name at the time of the survey. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness and customer support on a scale of 1-100.

Of those respondents: 300 were Progressive, 300 were State Farm, 299 were Allstate, 299 were Geico, 121 were USAA, 116 were Liberty Mutual, 105 were American Family, 105 were Farmers, 105 were Travelers and 101 were Nationwide.

The results have been weighted to be nationally representative. Additional subgroup sample sizes may be available upon request. Any differences noted between subgroups have been tested at 95% confidence level.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.

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