Best Texas Auto Insurance

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The top five insurance companies in Texas are:

  • State Farm
  • Farmers
  • Allstate
  • Progressive
  • Geico

When looking for competitive rates when it comes to Texas car insurance companies, the best thing anyone can do is to do their research and find the best options available. There are a wide variety of variables to consider with the most important being coverage, cost and customer service.

In the state of Texas, if one were to judge the best car insurance companies based off of the number of clients and customer attrition, they would discover the top five Texas car insurance companies to be State Farm, Farmers, Allstate, Progressive and Geico.

Here is a brief overview of Texas’s top five car insurance companies and what they can offer their customers.

It is always important to remember cost may vary from state to state, so when looking for the best car insurance companies in Texas, it is best to get quotes from all of the companies one researches.

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State Farm Insurance


Serving their customers since 1922, State Farm Insurance has been leading the car insurance industry in the state of Texas for some time.

Offering up to 40% discounts to those car insurance customers opting to switch to State Farm has paid dividends in the Lone Star State.

Covering a multitude of vehicles, there is not a lot on the road State Farm will not cover.

Here is a breakdown of the plethora of car insurance discounts one might expect when booking their car insurance through State Farm:

  • Good Driver Discounts
  • Good Student Discounts
  • Multi-line Discounts
  • Defensive Driving Course Discounts
  • Accident-Free Discounts
  • Steer Clear Safe Drivers Discounts
  • Multi-car Discounts
  • Anti-theft Device Discounts
  • Passive Restraint Discounts
  • Vehicle Safety Discounts

In addition, State Farm just rolled out their “Discount Double-Check” Program where their trained agents check all of these discounts for each of their clients to ensure their customers receive all of the discounts they may qualify for.

State Farm also offers online rate quotes for their customers to ensure they are able to apply for and receive their car insurance online in a matter of minutes.

Farmers Insurance

Farmers Insurance is the number two leading insurance company in Texas.

Also offering a number of different discounts to their customers, Farmers is quickly making it known why they are among the industry leaders in the state.

When looking to purchase car insurance in Texas, here as a few of the common discounts one might qualify for when looking at differing quotes:

  • Home Owners Discounts
  • New Parents Discounts
  • Good Students Discounts
  • Passive Restraints Discounts
  • Multi-car Discounts
  • Safe Driver Discounts

Whereas the number and variety of discounts Farmers Insurance offers may vary from state to state, these are the common one’s car insurance shoppers can expect to find in Texas.



Allstate is another of the national leaders also among the top insurance companies in the state of Texas.

Featuring many of the same discounts as listed above, by visiting with an Allstate Insurance Rep or visiting their online site, customers can also see which types of coverage Allstate offers as well as which types of coverage are required in the State of Texas as opposed to which types are not.

Here is a brief breakdown of types of coverage offered versus the types of coverage required.

  • Bodily Injury Liability – Minimum $25,000/$50,000
  • Property Damage Liability – Minimum $25,000

Although many of these types of coverage are not required, they should seriously be considered when looking to purchase car insurance in Texas or any other state.

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Progressive’s claim to fame has always been the fact they can provide cheap rate quotes and can have their agents at the scene of the accident extremely quickly.

More recently, Progressive has seen a boost in car insurance sales due to their ad campaign featuring their car insurance sales representative Flo.

In doing a bit of research into Progressive Insurance, here are a few things one can expect to see when shopping for car insurance.

  • Accident Forgiveness
  • E-sign Discounts, allowing customers to save an immediate $50 by signing up online
  • Multi-line discounts
  • Multi-car discounts
  • Pay-in-full discounts

Progressive has also found increased business with their Name Your Price® feature allowing car insurance shoppers to name their price on their overall car insurance rates.

Although there are some caveats to this feature, this has drawn in some customers in that there are discounts to be found with the Name Your Price® option.


Car insurance policy

Geico Insurance wraps up the list of the top five car insurance companies in Texas offering many of the same discounts as their competitors.

Another feature Geico offers their customers is that they can save their customers 15 percent on their car insurance in 15 minutes.

Offering fast online or over the phone car insurance quotes, Geico continues to carve out their niche as one of the best car insurance companies Texas has to offer. Here are a few of the discounts Geico offers their Texas customers.

  • Good Driver Discounts
  • Good Student Discounts
  • Mature Driver Discounts
  • Military Personnel Discounts
  • Multi-car Discounts

In addition to many of these discounts, Geico also offers 24-hour a day service via phone or online. They offer to be there for their customers any time they are needed.

Whether their customers have questions on their policy, a claim, or a number of roadside emergency services, Geico offers to be there for their customers.

Although these are the top five car insurance companies in the state of Texas, there are also numerous others.

The aforementioned are the currently top five car insurance companies in the state, but when researching car insurance companies, it is important to know what one’s individual needs may be.

The car insurance company best fitting those needs may be the best choice on the market. Remember, no two car insurance shopper’s needs are the same so it is important to research a number of companies to determine which car insurance company is right for each individual.

Start your free quote comparison search now by entering your zip code at the bottom of the page!

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