| Age Range | Best Insurance Company | Average Annual Comprehensive Premium | Why Are They the Best? | FIXD Insurance Rating (Out of 5) |
| 18-24 | State Farm | $900 | Happy customers and the lowest price | 3.9 |
| 25-34 | USAA | $1200 | The most competitive rate and satisfied customers | 4.2 |
| 35-44 | State Farm | $1725 | Most competitive rate that doesn’t sacrifice customer satisfaction | 3.9 |
| 45-54 | Allstate | $1200 | Mostly fair claims resolution with competitive rate | 3.6 |
| 55-64 | Safeco | $900 | Best rate and happy customers | 4.1 |
| 65 or older | Hartford | $1350 | Best rate and outstanding customer service | 4.1 |
Are you dealing with rising car insurance rates? Are you tired of the poor customer service with your current insurance company? Got a teenager who’s ready to drive and needs to be added to the policy?
The good news is that you can find insurance companies with competitive insurance rates and happy customers in Texas!
Keep reading to learn more about our top picks for auto insurance companies for Texas residents of every age. We’ll offer information about average premiums, customer satisfaction, and contact information for the best companies.
Finding the right car insurance can be stressful because you must provide so much information to obtain a single quote! Throughout the article, you’ll get an insurance agent’s perspective and tips and tricks to demystify car insurance decisions.
Texas’s Best Car Insurance Companies
Texas’s best car insurance companies are Safeco, Hartford, Germania, USAA, State Farm, and Farmers Insurance. These companies have some of the highest customer satisfaction ratings and competitive premiums.
To determine which auto insurance companies to recommend in Texas, we used surveys of FIXD users to find customer satisfaction scores and the average insurance premiums. You can read more about our methodology further down.
Since we recommend having comprehensive auto insurance coverage for the greatest financial protection, we have focused our results on the best customer satisfaction and most competitive rates with this greater coverage.
Pro-tip
Working with an insurance agent is the best way to find a great deal on car insurance. Many households have drivers in multiple age groups, different bundling options, and other factors that impact rates. An agent can juggle all of these on your behalf.
These are the companies with the most impressive customer service and the best overall deal for insurance because of their satisfactory resolution of claims and happy customers.
| Best Car Insurance Companies Texas | Why? | FIXD User Average Rating (Out of 5) |
| Safeco | High customer satisfaction and lowest average premiums | 4.1 |
| Hartford | High customer satisfaction and the most competitive rate for seniors | 4.1 |
| Germania | Outstanding customer satisfaction with a competitive average rate across multiple age groups | 4.3 |
| USAA | Amazing customer satisfaction and competitive rates for eligible Texans | 4.2 |
| State Farm | They have very competitive rates in most age categories and adequate customer satisfaction. | 3.9 |
| Farmers Insurance | One of the highest customer satisfaction ratings and somewhat competitive rates | 4.3 |
Texas’s Best Overall Insurance Company: Safeco
Safeco is the best overall insurance provider for residents of Texas because it has the lowest average premiums across age groups and yet maintains one of the highest customer satisfaction ratings according to FIXD users.
| Company Info | Safeco |
| Founded | 1923 |
| Headquarters | Boston, MA |
| Phone Number | 1-800-332-3226 |
| Website | https://www.safeco.com/ |
| Products | Mostly personal insurance like property, renters, cars, boats, and recreational vehicles with umbrella policies and pet coverage options |
| Population Served | Residents of all 50 states and the District of Columbia |
Average Years as a Customer at Safeco: 2.0 years is the average amount of time FIXD Users have reported being Safeco customers.
How many customers hear back within 10 minutes? 20% of customers hear back within 10 minutes of contacting Safeco according to Texas FIXD users who took the survey. Despite this slow response time, Safeco has high customer satisfaction.
How quickly are Claims Resolved? 100% of the claims that Texas FIXD users filed with Safeco were resolved within two weeks.
Customer Satisfaction with Claims: 100% of customers who filed a claim with Safeco and took the FIXD survey felt the outcome of their claim’s resolution was fair.
How to sign up with Safeco: Safeco insurance policies are sold by independent agents. Find an independent agent who works with Safeco through Safeco’s online agent search.
Popular Safeco Discounts: FIXD Users in Texas indicated that these were the most popular discounts through Safeco:
- 50% of drivers enjoy a safe driver discount
- 17% use a military discount
- 17% bundle their home and auto insurance
- 17% utilize an anti-theft device discount
Safeco Average Annual Rates in Texas
Survey respondents with comprehensive auto insurance through Safeco reported being aged 55 and older and driving an average 8,265 miles per year. Driving records of drivers varied. Makes, models, and years of vehicles insured varied as well.
| *Texas Average Annual Rates for Comprehensive Coverage | ||
| Average Overall | Male | Female |
| $1400 | $1400 | $1400 |
Texas’s Best Car Insurance Companies by Age Groups
Car insurance companies target certain populations through marketing and pricing. Many age groups will try to offer competitive deals and advertising for a specific age group or risk category.
Quotes from a particular insurance company will vary depending on your age and other characteristics. Find an insurance company that caters to your demographics by offering lower rates, features, and services that you find valuable.
Pro-tip
Compare quotes from insurance companies every couple of years to ensure you get the best prices. This is especially important when items in your insurance bundle change. Ask your agent for updated quotes when you buy or sell cars or a home, move to a new address, or add or drop someone from a policy.
Here is a list of the best insurance companies in Texas based on different ages:
The Best Car Insurance Company for 18 to 24-Year-Olds in Texas: State Farm
State Farm is the best provider for 18 to 24-year-olds because they have the most competitive rates for adding a young driver to a policy, and they offer adequate customer service. State Farm also has excellent bundling options to bring the overall cost of insurance down.
Pro Tip: When you get your first auto insurance policy rather than being listed as a driver on your parent or guardian’s insurance, get quotes for your current situation rather than assuming that your parent’s company is the best for you.
|
Company Info |
State Farm |
|
Founded |
1922 |
|
Headquarters |
Bloomington, IL |
|
Phone Number |
(800)-782-8332 |
|
Website |
|
|
Products |
Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
|
Population Served |
All 50 states within the United States and the District of Columbia |
How many customers hear back within 10 minutes? 85% of Texas customers in the FIXD survey heard back from State Farm within ten minutes of contacting the company.
How quickly are Claims Resolved? 67% of the claims filed with State Farm by FIXD users in Texas were resolved within two weeks.
Customer Satisfaction with Claims: 87% of customers who filed a claim with State Farm felt that the resolution of their claim was fair in the FIXD survey.
How to sign up with State Farm: The best way to sign up with State Farm is to work with an agent or use State Farm’s website. For questions, call 800-STATEFARM (800-782-8332).
Popular Discounts with State Farm: According to the FIXD survey in Texas, these were the most popular discounts through State Farm:
- 65% of drivers qualify for a safe driver discount
- 49% have a discount for multiple vehicles on the same policy
- 35% bundle their home and auto insurance
- 34% use an anti-theft device discount
- 17% bundle their renters and auto insurance policies
- 7% use a military discount
- 6% qualify for a good student discount
- 3% enjoy a green vehicle discount
Here is a list of the cheapest car insurance companies in Texas for 18 to 24-year-olds:
|
Car Insurance Company |
Average Annual Premium for Comprehensive |
|
State Farm |
$900 |
|
Allstate |
$1500 |
|
Progressive |
$3300 |
The Best Car Insurance Company for 25 to 34-Year-Olds in Texas: USAA
USAA is the best insurance provider for eligible 25 to 34-year olds in Texas. USAA has consistently happy customers and competitive rates, even for young professionals. If you’re not eligible for a USAA policy, try quotes from smaller companies with greater customer satisfaction.
|
Company Info |
USAA (United Services Automobile Association) |
|
Founded |
1922 |
|
Headquarters |
San Antonio, TX |
|
Phone Number |
(800)-531-USAA (8722) or (201)-531-8722 |
|
Website |
https://www.usaa.com/ |
|
Products |
Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
|
Population Served |
Military, Veterans, and eligible family members |
How many customers hear back within 10 minutes? 81% of Texas USAA customers in the FIXD survey hear back within 10 minutes of contacting the company.
How quickly are Claims Resolved? 85% of the auto insurance claims filed by Texas USAA customers in the FIXD survey were resolved within two weeks.
Customer Satisfaction with Claims: 87% of the Texas FIXD survey respondents felt that the resolution of their claim was fair.
How to sign up with USAA: Sign up for auto insurance through USAA by calling (800)-531-8722 or going to the USAA website. Remember that you must be a military service member or the dependent of one to sign up.
Popular Discounts with USAA: According to the survey of FIXD users in Texas, these are the most utilized discounts with USAA:
- 72% qualify for a safe driving discount
- 55% have a discount for multiple cars on the policy
- 50% use a military discount
- 48% have anti-theft device discount
- 37% bundle their home and auto insurance
- 23% bundle their renters and auto insurance
- 10% qualify for a good student discount
- 2% claim a green vehicle discount
Here is a list of the cheapest car insurance companies in Texas for 25 to 34-year-olds according to the FIXD Survey:
|
Car Insurance Company |
Average Annual Premium |
|
USAA |
$1200 |
|
Progressive |
$1650 |
|
Texas Farm Bureau |
$2100 |
|
GEICO |
$3000 |
|
Liberty Mutual |
$3300 |
The Best Car Insurance Company for 35 to 44 -Year-Olds in Texas: State Farm
The best car insurance provider for 35 to 44-year-olds in Texas is State Farm. According to FIXD users in Texas, State Farm has the lowest rates of any company with at least a 3.5 out of 5 or higher in customer satisfaction scores. If you want to try a more localized company, check out Germania.
|
Company Info |
State Farm |
|
Founded |
1922 |
|
Headquarters |
Bloomington, IL |
|
Phone Number |
(800)-782-8332 |
|
Website |
|
|
Products |
Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
|
Population Served |
All 50 states within the United States and the District of Columbia |
How many customers hear back within 10 minutes? 85% of Texas customers in the FIXD survey heard back from State Farm within ten minutes of contacting the company.
How quickly are Claims Resolved? 67% of the claims filed with State Farm by FIXD users in Texas were resolved within two weeks.
Customer Satisfaction with Claims: 87% of customers who filed a claim with State Farm felt that the resolution of their claim was fair in the FIXD survey.
How to sign up with State Farm: The best way to sign up with State Farm is to work with an agent or use State Farm’s website. For questions, call 800-STATEFARM (800-782-8332).
Popular Discounts with State Farm: According to the FIXD survey in Texas, these were the most popular discounts through State Farm:
- 65% of drivers qualify for a safe driver discount
- 49% have a discount for multiple vehicles on the same policy
- 35% bundle their home and auto insurance
- 34% use an anti-theft device discount
- 17% bundle their renters and auto insurance policies
- 7% use a military discount
- 6% qualify for a good student discount
- 3% enjoy a green vehicle discount
Here is a list of the cheapest car insurance companies in Texas for 35 to 44-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
GEICO |
$1500 |
|
State Farm |
$1725 |
|
Germania |
$2100 |
|
Liberty Mutual |
$2100 |
|
Progressive |
$3771 |
The Best Car Insurance Company for 45 to 54 -Year-Olds in Texas: Allstate
The best auto insurance company for adults aged 45 to 54 in Texas is Allstate because it offers competitive premiums and mostly fair claims resolutions according to Texas FIXD users. If you are looking for other options, get quotes for Farmers Insurance and Texas Farm Bureau.
|
Company Info |
Allstate |
|
Founded |
1931 |
|
Headquarters |
Northfield Township, IL |
|
Phone Number |
1-800-726-6033 |
|
Website |
|
|
Products |
Insurance for vehicles, home, life, business, or identity |
|
Population Served |
All 50 states and the District of Columbia |
Average Years as a Customer at Allstate: 9.6 years is the average length of time that Texas FIXD users who took the survey have been Allstate customers.
How many customers hear back within 10 minutes? 66% of customers hear back from Allstate within ten minutes of contacting the company according to the Texas FIXD user survey.
How quickly are Claims Resolved? 71% of claims filed by Allstate customers who took the FIXD survey are resolved within two weeks.
Customer Satisfaction with Claims: 86% of Texas FIXD survey takers who filed a claim with Allstate felt that their claim resolution was fair.
How to sign up with Allstate: The best way to sign up with Allstate is by working with an agent. You can also call customer service for help at 1-800-726-6033.
Popular Allstate Discounts: According to Texas FIXD users, these are the most popular discounts they claim on their Allstate auto insurance policy:
- 61% qualify for a safe driving discount
- 47% have an anti-theft device discount
- 45% have a discount for multiple vehicles on the policy
- 41% bundle their home and auto insurance
- 8% bundle their renters and auto insurance
- 8% qualify for a good student discount
- 2% use a military discount
- 2% have a green vehicle discount
Here is a list of the cheapest car insurance companies in Texas for 45 to 54-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
AAA |
$900 |
|
Allstate |
$1200 |
|
Farmers Insurance |
$1500 |
|
Liberty Mutual |
$1800 |
|
Texas Farm Bureau |
$2100 |
|
Hartford |
$2100 |
Pro Tip: While Allstate has competitive premiums for adults aged 45 to 54, they may not have the best rates once you add a teen driver. If you have young drivers on the policy, shop around or work with an agent to secure the best insurance deals for your family.
The Best Car Insurance Company for 55 to 64 -Year-Olds in Texas: Safeco
The best auto insurance company for 55 to 64-year-olds in Texas is Safeco because it offers the lowest rate and has outstanding customer satisfaction among Texas’s FIXD users. Safeco also processes claims quickly and fairly according to the Texas FIXD survey.
|
Company Info |
Safeco |
|
Founded |
1923 |
|
Headquarters |
Boston, MA |
|
Phone Number |
1-800-332-3226 |
|
Website |
|
|
Products |
Mostly personal insurance like property, renters, cars, boats, and recreational vehicles with umbrella policies and pet coverage options |
|
Population Served |
Residents of all 50 states and the District of Columbia |
Average Years as a Customer at Safeco: 2.0 years is the average amount of time FIXD Users have reported being Safeco customers.
How many customers hear back within 10 minutes? 20% of customers hear back within 10 minutes of contacting Safeco according to Texas FIXD users who took the survey. Despite this slow response time, Safeco has high customer satisfaction.
How quickly are Claims Resolved? 100% of the claims that Texas FIXD users filed with Safeco were resolved within two weeks.
Customer Satisfaction with Claims: 100% of customers who filed a claim with Safeco and took the FIXD survey felt the outcome of their claim’s resolution was fair.
How to sign up with Safeco: Safeco insurance policies are sold by independent agents. Find an independent agent who works with Safeco through Safeco’s online agent search.
Popular Safeco Discounts: FIXD Users in Texas indicated that these were the most popular discounts through Safeco:
- 50% of drivers enjoy a safe driver discount
- 17% use a military discount
- 17% bundle their home and auto insurance
- 17% utilize an anti-theft device discount
The Best Car Insurance Company for 65+-Year-Olds in Texas: The Hartford
The best auto insurance company for adults aged 65 and older in Texas is The Hartford because it offers competitive premiums for seniors and maintains an impeccable customer service record according to Texas FIXD users. The Hartford also offers additional benefits for AARP members.
|
Company Info |
The Hartford |
|
Founded |
1810 |
|
Headquarters |
Hartford, CT |
|
Phone Number |
1-888-413-8970 |
|
Website |
|
|
Products |
The Hartford offers insurance products for auto, home, and businesses |
|
Population Served |
Tailored for AARP members with auto insurance available in all 50 states and the District of Columbia |
Average Years as a Customer at The Hartford: 4.6 years is the average amount of time that Texas FIXD survey takers have had an auto insurance policy with The Hartford.
How many customers hear back within 10 minutes? 80% of Hartford customers who took the FIXD survey hear back from The Hartford within 10 minutes of contacting the company.
How quickly are Claims Resolved? 100%–All of the claims filed by Hartford customers were resolved within two weeks according to the Texas FIXD survey.
Customer Satisfaction with Claims: 100% of Hartford customers who filed a claim with The Hartford felt that the claims resolution was fair according to the FIXD survey.
How to sign up with The Hartford: The best way to sign up with The Hartford is to visit their website for a quote or call 1-888-413-8970.
Popular Discounts with The Hartford: According to FIXD users who took our Texas survey, these were the most popular discounts on their auto insurance policy with Hartford:
- 60% qualify for a safe driver discount
- 40% bundle their auto and renters insurance
- 20% have a discount for multiple cars on the same policy
- 20% use a military service discount
- 20% utilize an anti theft device discount
Here is a list of the cheapest car insurance companies in Texas for residents aged 65 and above:
|
Car Insurance Company |
Average Annual Premium |
|
Hartford |
$1350 |
|
AAA |
$1620 |
|
Safeco |
$1650 |
|
State Farm |
$1879 |
|
Liberty Mutual |
$1900 |
Research Methodology
To offer readers a fresh perspective on the best insurance providers in Texas, we used more than price to determine the best company for each category. We prioritized insurance premium costs, but we ensured our recommendation also had good customer satisfaction and fair claims resolution.
Our survey of FIXD users collected the average miles driven, discounts, and multiple factors of customer satisfaction for us to analyze.
We only included insurance companies with enough respondents to reflect customer satisfaction and a variety of premiums to average. Some insurance companies were not represented for every age band.
Independent Customer Satisfaction Surveys
FIXD used the following information provided by the survey to assess customer satisfaction:
- Preferred method of contacting insurance company and whether or not they heard back within ten minutes or less
- How long respondent had been an auto insurance policyholder with current insurance company
- Insurance provider customer support rating, company rating, policy rating, and then averaged these for an overall rating. Each rating was out of 5 possible points.
- A variety of options for respondents to indicate what they liked and didn’t like about their auto insurance provider.
- Survey questions to collect information about claims data including how long until claim resolution and whether or not the customer felt the claim was resolved fairly.
Finding the Average Car Insurance Rates
In the survey, respondents indicated their gender, age range, average annual miles driven, and discounts in addition to their annual premiums. From there, we were able to find averages and indicate said averages in the article. We focused on comprehensive insurance coverage since that’s what we recommend.
Conclusion
Based on the average premium prices for full coverage, fair claims resolution, and customer satisfaction scores, Texas residents should obtain quotes from Safeco, Germani, State Farm, and Farmers Insurance. If eligible, Hartford and USAA may also be an excellent option. Each age band may have additional recommendations.
The best tip we can offer readers is to find a reliable, independent insurance agent. A good agent will obtain quotes from multiple companies at once, answer questions, and make insurance simple for you.
Would you like more information about car insurance rates in Texas? Check out which used cars are the cheapest to insure in Texas!
Keep your car running smoothly and out of trouble by getting the FIXD sensor. With FIXD, you’ll be able to interpret check engine lights, find trustworthy mechanics, and get maintenance reminders.
With FIXD, you’ll also save money by avoiding rip-offs. FIXD will help you determine how much a repair should cost based on your vehicle and location.
Frequently Asked Questions
Why is a credit score used to determine auto insurance rates in Texas?
Car insurance companies in Texas have data that correlates lower credit scores with an increased risk. By charging higher rates, companies hope to offset the average financial risk of insuring a person with poor credit.
What Texas insurance company provides the best service?
Farm Bureau has the best customer service for car insurance customers in Texas. Farm Bureau resolves claims quickly and fairly and has a customer satisfaction score of 4.5 out of 5 according to the Texas FIXD survey.
What is the cheapest car insurance in Texas?
On average, the cheapest car insurance companies in Texas for full coverage are Safeco, Hartford, and State Farm. These companies offer discounts like bundling, being a safe driver, and having an anti-theft device equipped.
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
