Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 17, 2020

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Here's What You Need to Know

The top five car insurance companies in Texas are:

  • State Farm
  • Farmers
  • Allstate
  • Progressive
  • GEICO

When looking for competitive rates when it comes to the best Texas car insurance companies, the best thing anyone can do is to do their research and find the best options available.

There is 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 on 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.

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 you research.

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

Well help you find the Texas car insurance company that fits your needs and wallet.

Compare affordable Texas car insurance quotes today for free with our search tool above now! Just enter your ZIP above to get multiple quotes from the best insurance companies in Texas.

Table of Contents

The Best Car Insurance in Texas

When it comes to Texas car insurance, what makes the best car insurance company will depend on the driver. Some people simply want the cheapest car insurance Texas offers, while others are willing to pay a little more for great customer service.

Before you pick top-rated auto insurance in Texas, you need to know how much insurance you have to have.

Most states require a minimum amount of car insurance, and Texas is no different. According to AAA, drivers in Texas must meet these minimums:

  • $30,000 for bodily injury of per person, up to $60,000 per accident
  • $25,000 for property damage

It’s important to note that each of these top-rated insurance companies in Texas all offers the minimum and more. Most experts agree that you need to carry more than just the minimums so that you are not at risk in the event you cause an accident.

Let’s look at the average annual rates for these five companies for different types of coverage. This will give you a general idea about the cost of coverage for each company, but prices will vary based on state and other factors.

Average Annual Car Insurance Rates by Coverage Type for Top Five Texas Companies
CompaniesAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual Rates for High Coverage
GEICO$3,001.91$3,213.97$3,429.14
State Farm$3,055.40$3,269.80$3,454.80
Progressive$3,737.13$4,018.46$4,350.96
Farmers$3,922.47$4,166.22$4,494.13
Allstate$4,628.03$4,896.81$5,139.02
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High or full coverage comes in around $350 a month, but GEICO comes in as the cheapest car insurance in Texas averaging across all coverage levels at about $268 a month.

There are many different type of car insurance available to you in Texas. Watch this video to learn more about the different options available.

Now that we know what the coverages and average rates are, let’s look at each of the best-rated car insurance companies in Texas.

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State Farm Insurance

Serving its 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
  • Car Safety Feature 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.

Make sure to shop around for the best rates before you buy Texas car insurance.

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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 are 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 ones car insurance shoppers can expect to find in Texas.

Allstate

Allstate is another of the national leaders that are 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

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 its 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.

GEICO

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 its 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 its 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 at 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 top five companies offer the best auto insurance in Texas, there are also numerous others including USAA car insurance and Texas Farm Bureau insurance.

The aforementioned are the current 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 Texas auto insurance quotes comparison now to find the best home and auto insurance companies in Texas.

Enter your ZIP now to compare the best Texas car insurance rates or the best car insurance in Dallas or other city in Texas.