The best car insurance in Texas comes from providers with high financial strength ratings and few complaints. According to Jerry’s editorial analysis, Geico is the best car insurance company in Texas overall. Here’s what to know about the best insurers in the Lone Star State.
If you need cheap car insurance in Texas, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Texas overall: Geico
Why it’s the best: Geico earned the highest Jerry star rating — 5 stars — out of all Texas-based insurers our editorial team analyzed. The company’s excellent rating is due to its superior financial strength and few customer complaints. Geico also ranked above average for overall customer satisfaction in Texas, according to J.D. Power’s 2024 Auto Insurance Study.
Texas drivers can get discounts for driving a new car, insuring multiple vehicles, taking a defensive driving course and going accident-free for five years. You may get an additional discount for installing Geico’s telematics app, DriveEasy, on your phone and practicing safe driving habits.
Geico also has a robust and highly-rated app for iPhones and Androids that lets Texans access their policy documents, request roadside assistance, estimate vehicle repairs costs and show proof of insurance.
Runner-up: Allstate
4.7Jerry’s ScoreOur TakeAllstate car insurance allows drivers to tailor their policies based on their needs and driving habits, however customer service scores are below average.
Why it’s the best: Allstate received a 4.7-star rating from Jerry, making it one of the best-rated insurers in Texas. The company offers a variety of coverage customizations, including rideshare insurance and coverage in Mexico. Drivers can save with discounts for bundling multiple policies, insuring a student with good grades, driving a vehicle with anti-theft features or paying their bill on time for a year. Good driving habits can help lower your premium through Allstate’s telematics program, Drivewise, which rewards safe driving behaviors.
Allstate also scored above average for overall customer satisfaction in Texas, according to J.D. Power’s 2024 Auto Insurance Study.
More of the best Texas insurers
The following companies are also among the best car insurance providers in Texas.
Honorable mention: Texas Farm Bureau
While not yet rated by Jerry, Texas Farm Bureau was ranked No. 1 out of 9 insurers for overall customer satisfaction in Texas, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
The company offers standard auto coverages, plus optional types like rental coverage and roadside assistance, which covers towing, flat tire, fuel delivery, locksmith services and a stuck vehicle. Discounts are available for bundled policies, insuring multiple vehicles, having no claims within the last three years and driving a car with factory-installed safety features.
Drivers can install the company’s Drive’n Save telematics app for an immediate discount, and earn more savings by avoiding speeding, sudden braking and cell phone use on the road.
Best full coverage car insurance in Texas
Below are the best full coverage car insurance options in Texas, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| First Acceptance | $156 |
| Progressive | $244 |
| Assurance America | $263 |
| Safeco | $273 |
| Bluefire | $285 |
Best car insurance for teen drivers in Texas
These are the best car insurance rates for teen drivers in Texas, based on real policy quotes for Jerry customers ages 16 to 19.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Commonwealth Insurance | $311 |
| Assurance America | $365 |
| Dairyland | $378 |
| Aspen | $378 |
| Progressive | $464 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Texas
These are the best car insurance companies for drivers under 25 in Texas.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Aspire Advantage | $157 |
| Anchor General | $157 |
| Trexis | $231 |
| Safeco | $245 |
| Commonwealth Insurance | $255 |
Learn more: Car insurance for college students
Best car insurance for seniors in Texas
These are the best car insurance rates in Texas for drivers aged 65 and older.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $147 |
| Anchor General | $181 |
| Assurance America | $184 |
| Aspen | $187 |
| Commonwealth Insurance | $214 |
Learn more: Car insurance for seniors
How to get the best car insurance in Texas
Follow these tips to find the best car insurance in Texas:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
