Key takeaways
Travelers is the best car insurance company in the state, according to our analysis.
Acuity and State Farm also offer some of the top car insurance in Texas.
USAA is the cheapest of our top picks, with an average monthly rate of $121 for full coverage insurance. It’s significantly less expensive than the Texas state average of $282.
NerdWallet’s editorial team collected data on 30 auto insurers in Texas and scored them for a variety of factors. Our September 2025 winners are:
Category winner | NerdWallet star rating |
|---|---|
Best overall: Travelers | |
Fewest complaints: Acuity | |
Best user experience: State Farm | |
Best for military families: USAA* | |
*USAA is available only to members of the military, veterans and their families. | |
- 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
Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you.
Thorough rating guidelines for evaluating auto insurance companies.
More than 1.5 billion rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in the 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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Best car insurance company in Texas: Travelers
Best overall
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.
- Customer ratings for claim satisfaction are below average, according to J.D. Power.
Why it’s the best: 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 2025 roundup of the best car insurance companies in the U.S., making this company a great choice for drivers seeking a well-rounded insurer.
Key takeaways: You can get a variety of coverage options from Travelers, including new car replacement coverage (which can help if your new car is totaled). The company also offers two different accident forgiveness plans in addition to a great set of discounts.
Don’t pick Travelers if: You want high customer satisfaction ratings for the claims process.
Average rates: Rates data from Travelers wasn't available in Texas, according to NerdWallet’s September 2025 analysis.
» Read the full review: Travelers auto insurance review
Each driver will get personalized rates based on their unique characteristics and driver history. Insurers use different formulas for calculating rates, which is why your quotes may not match the average prices in Texas. Our advice is to compare quotes from several companies to find the cheapest option for you.
Best for customer satisfaction: Acuity
Best for customer satisfaction
Acuity
- Few consumer complaints.
- Offers many coverage options.
- Doesn't sell rideshare insurance.
Why it’s the best: Acuity is the best car insurance company in Texas when it comes to customer satisfaction. State regulators received far fewer complaints about this company than expected for one of its size, according to the National Association of Insurance Commissioners (NAIC).
Key takeaways: Acuity gives customers access to a wide range of coverage types and offers highly rated mobile apps on both Apple and Android devices. It also offers optional policy add-ons like towing and labor coverage as well as gap coverage, which covers the difference between a totaled vehicle’s value and what you still owe on it.
Don’t pick Acuity if: You want a company that offers a lot of discounts.
Average rates: Rates data from Acuity wasn’t available in Texas, according to NerdWallet’s September 2025 analysis.
Best for customer experience: State Farm
Best for ease of use
State Farm
- 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 it’s the best: 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.
Key takeaways: Although State Farm does not offer many optional coverage types, the company did receive fewer than the expected number of customer complaints. It also scored as one of the top companies in J.D. Power’s 2025 study of car insurance shopping satisfaction.
Don’t pick State Farm if: You're interested in optional add-ons to strengthen your policy, such as gap coverage or accident forgiveness.
Average rates: A full coverage policy from State Farm costs an average of $1,596 a year, or $133 a month. The state average is $3,389 a year, or $282 a month, for the same coverage.
» Read the full review: State Farm auto insurance review
Best for military members and veterans: USAA
Best for military drivers
USAA
- 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 it’s the best: If you’re on active duty or serve in the reserves of the military, are a veteran or have an immediate family member who served in the military, you may be eligible to get car insurance from USAA. This company offers great benefits, such as a discount for storing your car on a military base, and optional features like accident forgiveness and car replacement assistance.
Key takeaways: 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.
Don’t pick USAA if: You aren’t eligible for USAA membership.
Average rates: A full coverage policy from USAA costs an average of $1,414 a year, or $118 a month. The state average is $3,389 a year, or $282 a month, for the same coverage.
» Read the full review: USAA auto insurance review
Looking for the lowest auto insurance rates in your state? Texas Farm Bureau has the cheapest average full coverage rate in Texas. To find other low-cost options, check out NerdWallet’s list of the cheapest car insurance in Texas.
Full list of the top 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. Each one could be a great choice, depending on your specific insurance needs.
Company | Star rating |
|---|---|
USAA* | |
Acuity | |
*USAA is only available to military, veterans and their families. | |
- Read more auto reviews from NerdWallet
How to get the best auto 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.
We nerd out on car insurance
NerdWallet’s editorial team takes pride in providing highly-researched resources that empower our readers to make informed decisions about their car insurance.
Here’s why you can trust NerdWallet:
We do our homework. All of our auto insurance content is diligently fact-checked before publication. Additionally, our editorial team regularly evaluates and reviews many of the auto insurance companies we write about. This means the star ratings you see on our company reviews remain up-to-date.
We analyze the data. NerdWallet updates our published car insurance rate averages once a month. To do that, we rigorously analyze more than 500 million auto insurance rates from across the country provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is solely editorial, and 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.J.D. Power. 2025 U.S. Insurance Shopping Study. Accessed Sep 4, 2025.
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.
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. 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.
