After thoroughly evaluating 30 insurers, NerdWallet’s editorial team found that Travelers is the best car insurance company in Texas for April 2025.
We based our ratings on important factors like coverage and discount options, affordability, customer satisfaction and financial strength ratings, and only compared companies that we confirmed operate in Texas.
Here are the best car insurance companies in Texas
Best overall: Travelers
Best for affordable full coverage: State Farm
Best for customer complaints: Acuity
Best for ease of use: State Farm
Best for young drivers: GEICO
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Easily compare personalized rates to see how much switching car insurance could save you.The best auto insurance companies in Texas
Best overall
Travelers
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.- Received fewer customer complaints than expected for auto insurance.
- Lots of coverage options for auto insurance.
- One of the largest insurance providers in the nation.
- Customer ratings for claim satisfaction are below average, according to J.D. Power.
Why Travelers is the best auto insurance company in Texas:
Travelers holds the highest overall score out of the 30 insurers we compared to find the best pick for Texas drivers. Travelers also earned the top spot in our roundup of the best car insurance companies of 2025.
Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company.
» Read the full review: Travelers auto insurance review
Best budget pick
State Farm
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.- Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
- Generous rental car and travel expenses coverage.
- Customer satisfaction rating for buying auto insurance is better than average, according to J.D. Power.
- Doesn't offer gap insurance.
Full coverage cost per year, on average
$1,905
Full coverage cost per month, on average
$159
Why State Farm is the best for affordability:
Out of the 30 companies we looked at to find the best auto insurance in Texas, State Farm is the cheapest top-rated company based on NerdWallet's April 2025 analysis.
Our analysis showed that the average rate in Texas for full coverage insurance from State Farm is $159 per month or $1,905 per year; for context, the average cost of full coverage insurance in Texas is $288 per month. (However, your rate may be different.)
» Read the full review: State Farm auto insurance review
Each insurer has a different formula for calculating rates, which is why your quotes may not match the average prices in Texas. Our advice is to compare car insurance quotes from several companies to find the cheapest option for you. You can also check out NerdWallet’s analysis of cheap car insurance in Texas for a detailed breakdown of the most affordable insurers in your state.
Best for customer satisfaction
Acuity
In addition to receiving fewer complaints than expected for a company of its size, Acuity offers many common car insurance discounts as well as a variety of other types of insurance.- Few consumer complaints.
- Offers many coverage options.
- Doesn't sell rideshare insurance.
Why Acuity is the best for customer satisfaction:
Acuity is the best car insurance company in Texas when it comes to customer satisfaction. The company received fewer complaints to state regulators than expected for a company of its size. This is based on a comparison across auto insurers in Texas with a NerdWallet 4.5-star rating or higher.
In addition to maintaining a low number of customer complaints, Acuity gives customers access to a wide range of coverage types and also offers highly rated mobile apps on Apple and Android devices.
Best for ease of use
State Farm
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.- Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
- Generous rental car and travel expenses coverage.
- Customer satisfaction rating for buying auto insurance is better than average, according to J.D. Power.
- Doesn't offer gap insurance.
Why State Farm is the best for ease of use:
State Farm is the best car insurance company in Texas in our ease of use category, with a streamlined web experience whether you’re on a computer or a mobile device. State Farm customers can manage their policy and submit claims online, and the mobile app has excellent user ratings for both iOS and Android devices.
» Read the full review: State Farm auto insurance review
Best for young drivers
GEICO
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.- Robust website and mobile app.
- Many discounts available.
- One of the largest insurance providers in the nation.
- Doesn’t offer gap insurance.
- Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Why GEICO is the best for young drivers:
Teen drivers often have the highest car insurance rates in the country because age is a major factor in how insurers price car insurance. But GEICO offers good student and safe driver discounts to make car insurance for teens and young drivers more affordable.
GEICO also offers the best cheap car insurance for a 20-year-old driver, with an average monthly cost of $306 a month for full coverage, compared to the state average of $599 a month.
» Read the full review: GEICO auto insurance review
Best for military families
USAA
USAA offers insurance to active military, veterans and their families only.- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
Why USAA is the best for military families:
If you’re an active member of the military, a veteran or have an immediate family member who served in the military, you may be eligible to get car insurance from USAA.
USAA isn’t available to the general public, but it consistently scores among the top insurance companies in the nation, according to NerdWallet’s reviews.
» Read the full review: USAA auto insurance review
Full list of the best car insurance companies in Texas
Out of all 30 car insurers we analyzed, here is the full list of the best car insurance companies in Texas, all with a NerdWallet star rating of 4.5 or higher.
Company | Star rating |
|---|---|
USAA* | |
Acuity | |
*USAA is only available to military, veterans and their families. | |
» MORE: The best home insurance in Texas
How to get the best car insurance in Texas
Still not sure which company to go with? Try these tips:
Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.
Do more research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.
Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.
Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.
How we found the best car insurance in Texas
NerdWallet’s editorial team considered pricing, 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 car insurance companies is likely to change over time. In our list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.
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 company that works best for you. Our 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.
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.
Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:
35 years old
Single. Male or female.
2022 Toyota Camry LE
12,000 annual miles driven.
Good driving record and credit
No moving violations.
"Good driving" discount applied.
Good credit-based insurance score.
Bodily injury liability coverage
$100,000 per person. $300,000 per crash.
Property damage liability coverage
$50,000 per crash.
Uninsured motorist bodily injury coverage
$100,000 per person. $300,000 per crash.
Collision coverage
With a $1,000 deductible.
Comprehensive coverage
With a $1,000 deductible.
- See characteristics for other driver profiles
For all other driver profiles, we used the same assumptions, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit, based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
For young drivers, we considered 20-year-olds with good credit and no driving violations.
For millennial drivers, we considered 40-year-olds with good credit and no driving violations.
For senior drivers, we considered 70-year-olds with good credit and no driving violations.
These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.
Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information. Poor credit rates from The Hanover were removed in both Connecticut and New York.
