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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. Thankfully, we’ve done the research for you.
NerdWallet analyzed 21 car insurance companies in Texas to find the top picks across four categories:
Best car insurance category | Company winner |
---|---|
Travelers | |
State Farm | |
Chubb | |
Farmers |
For the full list of best car insurance companies in Texas, jump to the bottom.
Best car insurance in Texas overall: Travelers
Travelers
Discounts
Ease of use
NAIC complaints
Travelers
Discounts
Ease of use
NAIC complaints
Why it’s the best
Travelers holds the highest overall score out of the 21 car insurance companies in Texas we researched. It also earned the top spot in our roundup of the best car insurance companies of 2024. 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. Travelers also holds a strong presence in Texas, with over 3,300 insurance agencies available to field questions.
» Read the full review: Travelers auto insurance review
Best car insurance in Texas for your budget: State Farm
State Farm
Discounts
Ease of use
NAIC complaints
State Farm
Discounts
Ease of use
NAIC complaints
Why it’s the best
Out of the 21 companies we looked at to find the best car insurance in Texas, State Farm is the cheapest top-rated company. Our analysis showed that the average rate for full coverage insurance from State Farm is $1,597 per year or $133 per month for Texas drivers. (However, your rate may be different.)
» Read the full review: State Farm auto insurance review
We don’t have data for every single company that offers coverage in Texas, so compare car insurance rates from several companies to make sure which one is cheapest for you.
Check out NerdWallet’s analysis of cheap car insurance in Texas for a detailed breakdown of the most affordable insurers in your state.
Best car insurance in Texas for having few customer complaints: Chubb
Chubb
Discounts
Ease of use
NAIC complaints
Chubb
Discounts
Ease of use
NAIC complaints
Why it’s the best
Chubb is the best car insurance company in Texas for having few customer complaints to state regulators relative to insurers of similar size. Geared mostly towards high-net-worth individuals, Chubb stands out for paying for original equipment manufacturer parts in covered accidents, plus an extensive network of claims specialists. However, drivers may have to pay a higher premium for these unique perks. Chubb’s average rate for full coverage insurance in Texas is $3,326 per year, which is above the average cost of car insurance in the Lone Star State.
» Read the full review: Chubb auto insurance review
Best car insurance in Texas for ease of use: Farmers
Farmers
Discounts
Ease of use
NAIC complaints
Farmers
Discounts
Ease of use
NAIC complaints
Why it’s the best
Farmers is the best auto insurance company in Texas for ease of use. Farmers customers can manage their policy and submit claims online, and the mobile app has excellent user ratings for both iOS and Android devices. The company website also has a Texas-specific page, which provides insights into minimum coverage requirements, available car insurance discounts and more.
» Read the full review: Farmers auto insurance review
» MORE: The best home insurance in Texas
Full list of the best car insurance companies in Texas
If you’re looking for even more options, NerdWallet analyzed 21 car insurers to find the best car insurance companies in Texas. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.
Company | Star rating |
---|---|
USAA* | |
*USAA is only available to military, veterans and their families. |
» MORE: The best car insurance companies
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.
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.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. 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.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. 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.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, 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. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for a 35-year-old driver.
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