The Best Car Insurance in Texas
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When you’re driving on the Lone Star State’s open roads and large highways, you’ll want to be covered by the best car insurance possible. But finding the best policy can be a daunting task, so we did the work 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 30 auto insurers in Texas to narrow down the best options.
Below are the best car insurance companies in Texas. Amica and Texas Farm Bureau came out on top, but we’ve included a total of 10 auto insurers with a NerdWallet star rating of 4.5 or higher.
*USAA is available only to military, veterans and their families.
Amica’s high customer satisfaction and coverage offerings make it one of the best car insurance companies in Texas. The company ranked among the best companies in a 2021 J.D. Power U.S. Insurance Shopping Study, plus Amica has fewer than the expected number of complaints to state regulators. You can take advantage of the variety of car insurance discounts offered, plus manage your policy with Amica’s mobile app.
» MORE: Amica auto insurance review
Texas Farm Bureau
Headquartered in the city of Waco, Texas Farm Bureau is one of the best car insurance companies in the state for good reason. The company was ranked highest in the Texas region in a 2021 J.D. Power U.S. Auto Insurance Study for overall customer satisfaction. It also has fewer than the expected number of complaints to state regulators for a company of its size.
Texans can save on their policy with a variety of discounts, including discounts for insuring multiple cars and practicing good driving habits. Plus, you can easily access your policy and ID cards online.
Allstate offers a variety of discounts and features, making it one of the best car insurance companies in Texas. The company also has strong customer satisfaction. It ranked above average in a 2020 J.D. Power U.S. Auto Claims Satisfaction Study, plus has fewer than the expected number of customer complaints to state regulators for a company of its size.
Allstate offers two usage-based driving programs. 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.
» MORE: Allstate auto insurance review
Farmers is one of the largest car insurance providers in the state of Texas and also one of the best. That’s because the car insurance company has strong customer satisfaction — it scored better than average in a 2020 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 multi-vehicle and multi-policy discounts. You can also earn a discount for good driving habits if you allow Farmers to track your driving behavior with the Signal mobile app.
» MORE: Farmers auto insurance review
Not only is Geico one of the most affordable companies in Texas, according to NerdWallet’s rate analysis, but it’s also one of the best. The company receives fewer customer complaints than other companies of its size and was ranked highest in a 2020 J.D. Power U.S. Insurance Shopping Study.
Geico offers many discounts to help you 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.
» MORE: Geico auto insurance review
Liberty Mutual’s ease of use and available coverage make it one of the best auto insurers in Texas. You can save by taking advantage of a variety of discounts, including a discount for buying your policy online and bundling your policy. Texans can also get a policy discount by allowing Liberty Mutual to track their driving through the company’s RightTrack program.
In addition to standard auto coverage, Liberty Mutual offers unique coverage and features like new car replacement coverage and original parts replacement. For an annual fee of $30, you can enroll in the Liberty Mutual deductible fund to lower your deductible by $100 each year. Plus, the company offers coverage for trips to Mexico. You can also use its mobile app to manage your policy, track claims and request roadside assistance.
The company was ranked among the best in Texas for overall customer satisfaction in a 2021 J.D. Power U.S. Auto Insurance Study.
Progressive’s discounts and coverage offerings make it one of the best car insurance options. 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. You can also save by allowing Progressive to track your driving behavior through its Snapshot program.
Progressive ranked above average for overall customer satisfaction in Texas in a 2021 J.D. Power U.S. Auto Insurance Study.
State Farm is one of the largest car insurance providers and it’s also one of the best in Texas due to its strong customer service and satisfaction. State Farm tied for the highest ranking in a 2021 J.D. Power U.S. Insurance Shopping Study for overall customer satisfaction. It also has fewer complaints than expected for a company of its size.
The company offers a variety of coverage options and ways to save. For example, State Farm offers rental car and travel expenses coverage. 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 online portal.
» MORE: State Farm auto insurance review
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.
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 save if you let the company track your driving behavior through the IntelliDrive mobile app.
» MORE: Travelers auto insurance review
While policies are available only to 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 extra coverage like rideshare insurance and accident forgiveness, plus ways to save. Texans could be eligible for discounts for logging low annual mileage or bundling auto insurance with a homeowners or renters policy. You can manage your policy anytime online or with the USAA mobile app.
The company placed among the best companies for customer satisfaction in Texas in a 2021 J.D. Power U.S. Auto Insurance Study.
» MORE: USAA auto insurance review
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 or see our criteria for evaluating auto insurance companies.
AVERAGE RATES METHODOLOGY
For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
These are rates generated through Quadrant Information Services. Your own rates will be different.