Best Car Insurance in Texas for 2026

NerdWallet's editorial team chose the best car insurance companies in Texas by collecting data on 17 of the state’s auto insurers. Then we scored them for a variety of factors, including customer experience, online features and discounts. We chose GEICO for the top spot in Texas, but plenty of other car insurance companies also earned high ratings.

Our June 2026 winners are:

How we found the best car insurance companies

For our list of the best companies in Texas, we considered only insurers that achieved a minimum NerdWallet star rating of 4.5. However, our list may change as we continue to evaluate more insurance providers and receive fresh market data each month.

NerdWallet's editorial team considers these factors when choosing the best auto insurance companies:

• Financial strength: We use AM Best ratings to confirm an insurer's long-term financial stability and ability to pay claims.

• Consumer experience: We base these ratings on complaints made to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners (NAIC). We also look at survey data from JD Power's yearly national and regional studies.

• Digital ease of use: This category looks at how easily consumers can interact with an insurer through its mobile app and website. We consider the quality of information available and mobile app scores based on user ratings. We also determine whether a driver can start and track a claim or get a quote online.

• Ways to save: We look at the kinds of discounts a company offers and the total number of discounts available.

You can read our full auto insurance methodology to learn more.

• Why you can trust NerdWallet

  • Strict editorial guidelines to ensure fairness and accuracy in our coverage.

  • Thorough rating guidelines for evaluating auto insurance companies.

  • More than 120 million rates analyzed by our team of specialists.

  • More than 130 insurance companies analyzed in all 50 states and Washington D.C.

  You can trust the prices we show because our data analysts eliminate outliers and inaccuracies in pricing data. We look at rates from every ZIP code in a state where coverage is offered and data is available. And we change only one variable at a time when comparing rates for different coverage amounts, ages and backgrounds. That means you can easily see how each factor affects pricing.

Why GEICO is the best: GEICO stands out compared to other car insurance companies in Texas for its high-quality website and mobile app. State insurance commissioners also receive fewer complaints from GEICO customers than expected for its size.

We found that GEICO may offer cheaper car insurance than average in Texas for many drivers. GEICO offers a usage-based insurance program, DriveEasy, which may award safe drivers with lower rates. GEICO also offers a long list of discounts. All of this makes GEICO worth checking out in a state like Texas, where the cost of car insurance is already higher than the national average — and getting more expensive.[1]

Don’t pick GEICO if: You want to customize your policy with different coverage options. GEICO offers fewer optional add-ons than many other insurers. While it may have scored highly for its discount offerings, drivers who want a well-rounded policy (rather than the cheapest top pick) might be better with Progressive or Travelers.

• Average cost

  How much is car insurance from GEICO in Texas? GEICO costs someone with a clean driving record $201 per month, or $2,416 per year, for full coverage in Texas. That's compared to the statewide average of $3,276 per year.

  Driver profile	Full coverage rate	Minimum coverage rate
  Clean driving record, good credit	$2,416	$673
  One speeding ticket, good credit	$2,866	$750
  One at-fault crash, good credit	$3,873	$1,138
  One DUI, good credit	$2,910	$796
  Clean driving record, poor credit	$2,912	$841

» Read the full review: GEICO auto insurance review

Why State Farm is the best: If you're a budget-conscious driver, State Farm could be the right car insurance company for you. While it's not always the cheapest insurer in Texas, State Farm is a stable company with affordable rates for most drivers.

We also rated State Farm relatively well for its discounts. If you're comfortable sharing data about your driving, State Farm’s Drive Safe & Save usage-based insurance program could help lower your rates even further.

Don't pick State Farm if: You're interested in strengthening your policy with many optional add-ons. State Farm offers a few types of optional coverage, but other companies may offer more. Similar to GEICO, you’ll have to decide whether a cheaper rate from State Farm is more valuable than a wider range of coverage options.

• Average cost

  How much is State Farm car insurance in Texas? Car insurance from State Farm costs someone with a clean driving record $134 per month, or $1,608 per year, for full coverage in Texas. That's compared to the statewide average of $3,276 per year.

  Driver profile	Full coverage rate	Minimum coverage rate
  Clean driving record, good credit	$1,608	$550
  One speeding ticket, good credit	$1,608	$550
  One at-fault crash, good credit	$1,773	$633
  One DUI, good credit	$2,112	$794
  Clean driving record, poor credit	$11,230	$3,384

» Read the full review: State Farm auto insurance review

Why Amica is the best: Customers of Amica have filed fewer complaints about the insurer relative to its size than expected. In our experience, that’s a good indication that a company provides reliable claims support. Amica also scores well in JD Power's Claims Satisfaction Study.[2] This annual survey measures how consumers feel about insurance companies’ claims process.[3]

Amica offers a better range of coverage options than GEICO or State Farm. You could add roadside assistance, rental reimbursement, glass coverage, new car replacement and gap insurance to your policy. Gap insurance is a potential must-have if you finance your car — it can save you from paying thousands of dollars if you total a car that’s worth less than what you owe on it.

Don't pick Amica if: You haven't compared rates from other companies first. We don't have price data in Texas for Amica, so we can’t give you an average rate. But in the states where we do have that information, we found that Amica can be more expensive than other top picks. This is especially true for drivers with a recent violation like an accident or ticket.

» Read the full review: Amica auto insurance review

Why Travelers is the best: Travelers offers more ways to customize your policy than other top car insurance companies in Texas. For example, you could customize a Travelers policy with gap insurance, one of two accident forgiveness plans, new car replacement and roadside assistance.

We also recommend Travelers to drivers in Texas because of its discount offerings and online features. Most drivers can easily manage a Travelers policy or file a claim online. And with more discount options than other top companies, you might be able to afford a few of those valuable coverage options.

Don't pick Travelers if: You want car insurance from an insurer with the absolute highest customer satisfaction rating. Drivers file relatively few complaints about Travelers to state insurance commissioners compared to its size. But Travelers also earned a below-average score for claims satisfaction on JD Power's Claims Satisfaction Study.[7]

» Read the full review: Travelers auto insurance review

Why Progressive is the best: Progressive scores highly for online features, including its full-service website and app. The Progressive mobile app earns high ratings from iOS and Android users. The company also scored well on the shopping and service parts of the JD Power Digital Experience Study.[8]

Progressive offers SnapShot, a usage-based driving program available on smart phones and via a plug-in device. With SnapShot, safe drivers may earn a discount if they agree to share data about their driving with Progressive.

Don't pick Progressive if: You think that customer satisfaction is the most important factor in an insurance company. While we scored Progressive relatively well for customer experience, it scored below average on the JD Power Claims Satisfaction Study. This survey looked at how happy drivers are with their insurer’s claims process.

• Average cost

  How much is Progressive car insurance in Texas? Car insurance from Progressive costs someone with a clean driving record $193 per month, or $2,319 per year, for full coverage in Texas. That's compared to the statewide average of $3,276 per year.

  Driver profile	Full coverage rate	Minimum coverage rate
  Clean driving record, good credit	$2,319	$1,063
  One speeding ticket, good credit	$3,026	$1,242
  One at-fault crash, good credit	$3,244	$1,335
  One DUI, good credit	$2,695	$1,175
  Clean driving record, poor credit	$3,229	$1,300

The best car insurance company for you won't necessarily be the best pick for another Texan. That’s because each person has their own insurance needs, personal details, driving history and budget. All of these factors affect a policy’s cost and which companies might be the right fit.

Of all of the top-rated car insurance companies in Texas, we think these eight are the best for common types of drivers:

• Read more auto reviews from NerdWallet

  Here is the full list of car insurance companies reviewed by NerdWallet. Not all insurers offer policies in every state, however.

  • AAA

  • Acceptance

  • Allstate

  • American Family

  • American National

  • Amica

  • Auto-Owners

  • Bristol West

  • Chubb

  • Clearcover

  • Connect

  • Country Financial

  • Dairyland

  • Direct Auto Insurance

  • Elephant

  • Encompass

  • Erie

  • Farm Bureau

  • Farmers

  • Fred Loya

  • Gainsco

  • GEICO

  • The General

  • Georgia Farm Bureau

  • GoAuto

  • Good2Go

  • The Hanover

  • Infinity

  • Kemper

  • Lemonade

  • Liberty Mutual

  • Mapfre

  • Mercury

  • Nationwide

  • National General

  • NJM

  • Progressive

  • Root

  • Safeco

  • Safety Insurance

  • Shelter

  • State Farm

  • Texas Farm Bureau

  • Toggle

  • Travelers

  • USAA

  • Wawanesa

There are a few things to know when shopping for car insurance in the Lone Star State.

If you're still not sure which insurer to choose, you can follow these steps to find the best car insurance in Texas for you.

• Understand the coverage you need. Car insurance is already expensive. While NerdWallet recommends getting more insurance than what Texas requires, you don't want to pay for coverage you don't need.

• Consult trusted sources. Insurance can be confusing. If you're unsure that a company is legit, check out financial strength ratings from AM Best or a similar agency. You can find customer complaints data about insurers from the NAIC. You can also read through NerdWallet's library of insurer reviews and see which coverage types companies offer.

• Avoid gaps in coverage. A coverage gap may start when you no longer have car insurance. If you were to get another policy after a lapse in coverage, your rates would be much higher than average. This could also get you labeled as a high-risk driver and cause you to have to settle for a less-than-ideal company.

• Shop around at least once a year. The cost of car insurance changes regularly, even if your personal details don’t. We recommend shopping around and comparing rates from a few companies to be sure yours is still the best choice for your budget.

• Don’t shy away from smaller insurers. A small, regional insurance company in Texas may line up best with your coverage needs and budget. An independent agent or broker could help you find local insurance companies in your area.