Fact CheckedNerdWallet’s editorial team collected data on 17 auto insurers in Texas and 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 January 2026 winners are:
Category winner | NerdWallet star rating |
|---|---|
Best overall: GEICO | |
Best budget pick: State Farm | |
Best claims service: Amica | |
Best for coverage add-ons: Travelers | |
Best online features: Progressive |
- How we found the best car insurance companies
For our list of the best car insurance companies, we only considered insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
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: These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the NAIC. We also look at survey data from J.D. Power’s annual studies.
Digital ease of use: This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on user ratings, and whether a user 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 take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
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Best overall car insurance company in Texas: GEICO
Best overall
GEICO
- Often among the cheapest car insurance companies in NerdWallet's rates analyses.
- Many discounts available.
- Fewer complaints than expected for a company of its size.
- Doesn't offer gap insurance.
- Limited network of local agents.
- Below-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
- Why GEICO is the best in Texas
Why GEICO is the best: GEICO stands out compared to other car insurance companies in Texas for having a high-quality website and mobile app, and for receiving fewer complaints from customers than expected for its size.
Additionally, we found that GEICO may offer cheaper car insurance than average in Texas for many drivers. This — along with GEICO’s DriveEasy Program, which awards safe drivers with lower rates — and a long list of discounts make 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.
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.
How much is car insurance from GEICO in Texas? Car insurance from GEICO costs $194 per month, or $2,325 per year in Texas. That’s compared to the statewide average of $3,319 per year.
» Read the full review: GEICO auto insurance review
Best for shopping on a budget: State Farm
Best for budget shoppers
State Farm
- Generous rental car and travel expenses coverage.
- Above-average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
- Doesn't offer gap insurance.
- Why State Farm is the best in Texas for budgeting shoppers
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 necessarily the cheapest insurer in Texas, State Farm is a stable company with relatively cheap rates for drivers who have clean records.
We also rated State Farm relatively well for its discounts. If you’re comfortable sharing data about your driving with State Farm, the Drive Safe & Save usage-based insurance program could give you another chance to lower your rates.
Don’t pick State Farm if: You’re interested in strengthening your policy with many optional add-ons. State Farm does offer a couple of types of optional coverage, but other companies may offer more.
How much is car insurance from State Farm in Texas? Car insurance from State Farm costs $137 per month, or $1,647 per year in Texas. That’s compared to the statewide average of $3,319 per year.
» Read the full review: State Farm auto insurance review
Best if you need to make a claim: Amica
Best customer satisfaction
Amica
- Low consumer complaints.
- Many discounts and policy perks, including accident forgiveness and new car replacement in some states.
- Potential to earn dividends.
- Often more expensive than average in the states where we have data.
- Amica car insurance isn’t available in Hawaii, but other kinds of insurance, like life insurance, may be.
- Why Amica is the best in Texas for customer satisfaction
Why Amica is the best: Amica is the best car insurance company in Texas when you need to make a claim. Customers of Amica have filed fewer complaints about the insurer relative to its size than expected. It also scores well in J.D. Power’s Claims Satisfaction Study, which measures how consumers feel about the claims process.
In addition to its great complaints rating, Amica offers a range of coverage options, including roadside assistance, rental reimbursement, glass coverage, new car replacement and gap insurance — a potential must-have if you lease your car.
Don’t pick Amica if: You haven’t compared rates from other companies first. We don’t have price data in Texas for Amica, but in the states where we do have data Amica can be more expensive than average, especially after a driving violation.
» Read the full review: Amica auto insurance review
Our runner-up choice for customer satisfaction: Acuity
Acuity also scores well for customer satisfaction compared to many other insurers in Texas. It has a great complaints rating but wasn’t included in the J.D. Power Claims Satisfaction Study, Shopping Study or regional Auto Insurance Study.
Best for customizing your policy: Travelers
Best for customizing your policy
Travelers
- 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.
- Rideshare insurance is not available in all states.
- Why Travelers is the best in Texas for choices of coverage
Why Travelers is the best: Travelers offers more ways to customize a car insurance policy than many other highly rated companies in Texas. Depending on the amount of car insurance you need, you could customize a Travelers policy with gap insurance, up to two accident forgiveness plans, new car replacement, roadside assistance and more.
We also recommend Travelers to drivers in Texas for its discount offerings and online features — the insurer earned relatively high ratings from us in both of these categories.
Don’t pick Travelers if: You want car insurance from an insurer with the absolute highest customer satisfaction rating. Travelers receives relatively few complaints from policyholders compared to its size, but is hurt by its below-average score for claims satisfaction on J.D. Power’s Claims Satisfaction Study.
» Read the full review: Travelers auto insurance review
Our runner-up choice for customizing your policy: Progressive
Progressive is another insurer in Texas that’s worth checking out if coverage options are important to you. Progressive offers a slate of coverage options that’s similar to Travelers, along with coverage for property and pets that are injured in a crash.
Best online experience: Progressive
Best digital features
Progressive
- Three different accident forgiveness programs, including two with automatic enrollment, available in certain states.
- If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
- Rideshare coverage available.
- Below average rating for claims satisfaction from J.D. Power.
- Why Progressive has the best online experience in Texas
Why Progressive is the best: Progressive scores highly for online features because of its full-service website and app, its high ratings from iOS and Android users, and for scoring well on both parts of the J.D. Power Digital Experience Study.
Progressive also offers SnapShot, a usage-based driving program that’s 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. Progressive scored relatively well for customer satisfaction, but it scored below average on the J.D. Power Claims Satisfaction Study.
How much is car insurance from Progressive in Texas? Car insurance from Progressive costs $193 per month, or $2,319 per year in Texas. That’s compared to the statewide average of $3,319 per year.
» Read the full review: Progressive auto insurance review
All of the top-rated insurance companies in Texas
The best car insurance company for you won’t necessarily be the same as another Texan’s. Each person’s own insurance needs, personal details, driving history and budget all play a part in which insurer is the best fit for them.
Of all of the top-rated car insurance companies in Texas, these are the ones we think are best for certain types of drivers:
Company | Star rating |
|---|---|
Best overall pick: GEICO | |
Best for budget shoppers: State Farm | |
Best for coverage add ons: Travelers | |
Best if you need to make a claim: Amica | |
Best online experience: Progressive | |
Best for military families: USAA* | |
Best for high-risk drivers: Direct Auto | |
Best regional insurance company: Central | 4.6NerdWallet rating |
*USAA is only available to military, veterans and their families. | |
- 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.
What to know about car insurance in Texas
For the most part, car insurance works the same in Texas as in most other states. That said, there are a few notable factors that you should know about before shopping for and buying car insurance in the Lone Star State.
- How much car insurance do drivers in Texas need?
Texas requires every driver to carry a certain amount of liability insurance — the kind of coverage that helps pay for injuries and property damage you cause to other people. Your car insurance policy has to include:
$30,000 of bodily injury liability insurance per person involved in an accident. This means that if you caused an accident, your liability insurance would pay up to $30,000 for the medical-related expenses of each person that you injured.
$60,000 of bodily injury liability insurance per accident. You won’t receive more than $60,000 of liability coverage for injuries in a single accident. After this limit, you could be responsible for remaining damages.
$25,000 of property damage liability insurance per accident. Your insurance would cover up to $25,000 of damage that you cause to another person’s property, including their car.
A policy with minimum coverage won’t help pay for your injuries or your car if you’re at fault for an accident. Instead, you’d need to have full coverage insurance. This type of policy includes comprehensive and collision insurance, which cover most kinds of damage even if you’re at fault.
- The average cost of car insurance in Texas
The average cost of car insurance in Texas is $3,319, but what you pay depends on how much coverage you have and your driving record, as well as other details like your age, where you live, your car and your insurance company.
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,319 $1,007 One speeding ticket, good credit $3,576 $1,163 One at-fault crash, good credit $4,033 $1,514 One DUI, good credit $5,015 $1,525 Clean driving record, poor credit $5,815 $1,494 - What to do if you can’t find car insurance in Texas
Some drivers may have trouble getting car insurance because of their driving record. If at least two insurance companies in the last 60 days have denied you coverage, you could get car insurance through the Texas Automobile Insurance Plan Association (TAIPA).
- Cross-border commuter? You'll likely need special coverage.
Car insurance companies in the United States limit the coverage you can get when traveling into Mexico. If you commute from Texas to Mexico, you most likely need a special type of car insurance.
If you’re a regular traveler into Mexico, you’ll need to get a policy from an insurance company that’s licensed in that country. According to the Texas Department of Insurance, agents in Texas may sell this type of coverage. You could also purchase car insurance through Mexican insurers that partner with American companies.
How to get the best car insurance in Texas
There are many more insurance companies in Texas than the ones we’ve called out here. If you’re still not sure which one is right for you, or you want to do some research on your own, 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 more than you have to for coverage you don’t need.
Consult trusted sources. If you’re unsure that a company is legit or offers the coverage you need, check out financial strength ratings from AM Best or a similar agency, and complaints data from the NAIC. You can also read through NerdWallet’s library of insurer reviews.
Avoid gaps in coverage. A coverage gap may start when you no longer have car insurance. If you were to get another policy, your rates would be much higher than average. This kind of surcharge could get you labeled as a high-risk driver and mean you have to settle for a less-than-ideal insurer.
Shop around at least once a year. The cost of car insurance changes regularly. Before you buy a policy, shop around and compare rates from a few car insurance companies to be sure that 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 agent or broker could help you find local insurance companies in your area.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Office of Public Insurance Council. Why Are Rates Increasing in Texas?. Accessed Jan 28, 2026.
- 2.J.D. Power. 2025 U.S. Insurance Shopping Study. Accessed Jan 20, 2026.
- 3.J.D. Power. 2025 J.D. Power Digital Experience Study. Accessed Jan 28, 2026.
- 4.Texas Department of Insurance. Auto Insurance Guide. Accessed Jan 28, 2026.
- 5.Texas Automobile Insurance Plan Association. For Insureds. Accessed Jan 27, 2026.
Methodology
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.
2023 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. These rates are 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.
