Best Car Insurance Companies in Texas

Texas drivers ranked Anchor General as the top auto insurance provider in the state—but companies like Commonwealth and Infinity are highly ranked, too.
Written by Kathryn Kurlychek
Edited by Amy Bobinger
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Some of the best companies for
car insurance
in Texas are small providers, including Infinity and Mercury—and while big like State Farm, Allstate, and GEICO don’t make our best-of list, they may offer great rates for you.
  • In Texas, smaller insurance providers like Anchor General, Commonwealth Casualty, and Infinity Insurance outperform larger, name-brand companies for customer service and claims handling.
  • Some of the most affordable
    Texas car insurance
    providers in Texas are Mercury and Travelers—but there isn't one single car insurance company that can guarantee the cheapest rates for everyone.
  • Shopping for quotes with 3–5 different insurance companies is the best way to find low car insurance rates on coverage that meets your needs.
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Anchor General Insurance: Best for local coverage
Real 5-star customer review:
Anchor General is a great choice for anyone looking for a reliable and affordable car insurance provider. Their customer service, range of coverage options, and discounts make them an excellent option for drivers of all ages and backgrounds. —Sayed
Overall Jerry rating in Texas: 4.9
J.D. Power customer satisfaction: Not ranked for Texas market
AM Best Financial Strength: B+
NAIC complaint index (June 2023): More than expected
Some of the most popular companies in Texas are local or specialty providers. Enter Anchor General Insurance. Anchor General Insurance operates in just three states: California, Arizona, and Texas. The company focuses on providing non-standard auto policies that include both
liability coverage
and
property damage coverage
Our survey participants rated Anchor General Insurance among the best auto insurance companies in the state, especially regarding the claims process. That said, they do have a higher-than-expected number of complaints as reported by the National Association of Insurance Commissioners (NAIC). 
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Commonwealth: Best for personalized service
Real 5-star customer review:
With Commonwealth, you’re not only getting the best price for good quality insurance, but they care about you and ensure you are in the best hands possible. —Jewel
Overall Jerry rating in Texas: 4.6
J.D. Power customer satisfaction: Not ranked for Texas market
AM Best Financial Strength: A
NAIC complaint index (June 2023): More than expected 
Commonwealth Casualty is another small insurance company with big ratings in Texas. Specializing in full-coverage and supplemental car insurance policies, Commonwealth is an ideal provider for drivers who prefer to work with a brick-and-mortar company. We also love that they partner with nonprofits like Habitat for Humanity, the Ronald McDonald House, and the Salvation Army.
Our survey participants rated Commonwealth especially high for their customer service. That being said, the company lacks an online or mobile app presence—which may contribute to its lower score for claims handling. 
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Dairyland: Best for drivers with violations
Real 5-star customer review:
I just got started with Dairyland and the insurance agent that I spoke with took her time to be very thorough with everything from deductibles to my coverage options. I was very pleased with the courteous service that they provided. —Nalani
Overall Jerry rating in Texas: 4.7
J.D. Power customer satisfaction: Not ranked for Texas market
AM Best Financial Strength: A+
NAIC complaint index (June 2023): Slightly more than expected
Dairyland is a good choice for high-risk drivers whose dubious driving records or low credit scores may make it harder to secure affordable coverage from name-brand providers.
 Across the board, high-risk insurance policies are typically more expensive, which makes Dairyland’s average auto insurance rates a little higher than you might find elsewhere—but the available coverage options and specialty add-ons may make up for that.
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Infinity Insurance: Best for non-standard coverage
Real 5-star customer review:
I have more speeding tickets than the average driver, and I also drive more than the average driver. Infinity was still able to come up with an affordable rate that fit my budget. —Molly
Overall Jerry rating in Texas: 4.8
J.D. Power customer satisfaction: Not ranked for Texas market
AM Best Financial Strength: A-
NAIC complaint index (June 2023): More than expected
Infinity Insurance is a Kemper company that offers home, auto, and business insurance in just five states. Like Dairyland, Infinity specializes in insurance policies for high-risk drivers—but given the company’s smaller scope, Infinity promises an extra layer of individualized experience. 
This is exemplified in the company’s high rating among survey participants for customer service. Infinity also scored among the top providers in Texas for affordable policy costs, according to our survey data. 
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Mercury Insurance: Best for low prices
Real 5-star customer review:
So far it's been a great company. Saved me over $100 a month. Jerry was the best for leading me to Mercury Insurance. Would definitely recommend. —Helen
Overall Jerry rating in Texas: 4.6
J.D. Power customer satisfaction: Not ranked for Texas market
AM Best Financial Strength: A
NAIC complaint index (June 2023): Less than expected
Mercury is among the most affordable auto insurance providers in Texas, particularly for drivers with recent accidents on their record and young drivers who lack insurance history. 
Mercury has earned an impressive A rating for financial strength from AM Best, a renowned credit rating agency—signifying high dependability when it comes to covering claims in the event of an accident. Despite Mercury’s ability to pay out, the company earned below-average ratings in the claims process from our survey participants. 
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Travelers: Best for handling claims with ease
Real 5-star customer review:
Traveler's has been a blessing to me. Not only have they saved me so much money, but their coverage matched what I had with a previous insurance company and I don't have to worry. —Cecelia
Overall Jerry rating in Texas: 4.6
J.D. Power customer satisfaction: Not ranked for Texas market
AM Best Financial Strength: A++
NAIC complaint index (June 2023): Less than expected 
Travelers is well-known for its comprehensive car insurance coverage, smooth claims process, and reliable customer service. When it comes to claims handling, few providers in Texas matched the ratings that Travelers received from our survey participants. 
One of the best things about Travelers is that customers can submit claims online 24/7—so you won’t have to wait for business hours to get the help you need. Travelers Insurance also boasts an A++ rating from AM Best, which is the highest rating for financial strength a company can earn. That means customers can expect a good payout on top of an easy claims process!
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Cutting corners on Texas car insurance coverage can leave you vulnerable

While opting for the state minimum coverage can save you money on car insurance, it may leave you vulnerable in case of a significant car accident. It’s almost always a good idea to raise your liability insurance limits—especially if you drive a newer vehicle. 
For the best protection, consider adding
comprehensive coverage
and
collision coverage
to your policy, along with add-ons like the following optional coverage types:

How to save on your Texas auto insurance

No one insurance company can offer the lowest rates to every Texas driver. The cost of your car insurance premiums will depend on various factors, such as the type of car you drive, your driving record, your location, and the coverage limits you choose.
If you want to reduce your insurance costs, here are a few tips:
  • Ask about discounts: Your discount eligibility can impact your annual rate and things like being a safe driver and paying your premium upfront can shave a small chunk off your bill. 
  • Bundle your policies: If you need homeowners or renters insurance, bundling it with your auto insurance policy will help you save money on both.
  • Shop around: Comparing rates from at least three different providers is the top way to save money, and
    Jerry
    , the AllCar™ app, can help you do it in minutes (and for free!).
Jerry’s content editors analyzed the top insurers in Texas and chose the best based on a combination of scores from J.D. Power, AM Best, NAIC, and Jerry’s own nationwide carrier survey.
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FAQs

In Texas, some of the most affordable providers are Mercury Insurance and Travelers Insurance. But keep in mind there isn't one single car insurance company that can guarantee the cheapest rates for everyone. The cost of your premiums will be influenced by several factors—including your driving history, the type of vehicle you own, your location, and the driver discounts you are eligible for.
In Texas, the average cost of minimum liability coverage is $2279 per year. For full coverage, Texas drivers pay an average of $3606 per year. 
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