Finding the best car insurance in Texas takes research and comparison of price quotes. Your Texas insurance rates depend on your driving record, age, location, and other factors. This guide can help you find the best rates for your insurance needs.
How Much Is Car Insurance in Texas?
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The cost of car insurance in Texas varies depending on a number of factors, including your age, driving record, the value of your vehicle, and credit history. These are the average costs you can expect to pay with some of the biggest insurance providers in Texas:
GEICO
GEICO is a reputable provider with a long history in insurance. The company has an 832/1,000 J.D. Power Satisfaction rating and an A++ rating with AM Best. These are GEICO’s average insurance rates in Texas:
- Average rate of insurance: $1,251 per year
- Average rate for teen drivers: $2,801 (female), $2,991 (male) per year
- Average rate for senior drivers: $1,098 (female), $1,259 (male) per year
- Average rate for drivers with poor credit: $3,244 per year
- Average rate for drivers with a good driving record: $1,251 per year
- Average rate after an accident: $1,740 per year
- Average rate after a DUI: $2,076 per year
- Average rate for minimum coverage: $1,196 per year
USAA
USAA is an insurance provider available to current and former military members and their families. USAA tends to have the cheapest rates in the country, but it might not always be the cheapest insurance provider in Texas. USAA does have the cheapest rates for teen drivers and drivers with poor credit. USAA might also be the best option for drivers with a DUI on their records. USAA has an 879/1,000 J.D. Power Satisfaction rating and an A++ with AM Best. USAA average rates include:
- Average rate of insurance: $1,045 per year
- Average rate for teen drivers: $2,356 (female), $2,557 (male) per year
- Average rate for senior drivers: $901 (female), $897 (male) per year
- Average rate for drivers with poor credit: $1,746 per year
- Average rate for drivers with a good driving record: $1,045 per year
- Average rate after an accident: $1,593 per year
- Average rate after a DUI: $1,560 per year
- Average rate for minimum coverage: $1,006 per year
Nationwide
Nationwide is another well-known Texas provider. It has an 831/1,000 J.D. Power Satisfaction rating and an A+ AM Best rating. The average insurance rates for Nationwide include:
- Average rate: $1,636 per year
- Average rate for teen drivers: $5,596 (female), $7,218 (male) per year
- Average rate for senior drivers: $1,307 (female), $1,407 (male) per year
- Average rate for drivers with poor credit: $2,400 per year
- Average rate for drivers with a good driving record: $1,636 per year
- Average rate after an accident: $2,560 per year
- Average rate after a DUI: $3,142 per year
- Average rate for minimum coverage: $1,723 per year
State Farm
State Farm tends to have the cheapest rates for senior drivers in Texas and drivers with good driving records. Drivers with accidents on their records in Texas might also earn better rates when choosing State Farm. Drivers who have DUIs on their records and aren’t eligible for USAA insurance might find the cheapest rates with State Farm. State Farm drivers also pay less than the state average for minimum insurance coverage. State Farm has an 838/1,000 J.D. Power rating and an A++ AM Best rating. The average rates of insurance for State Farm include:
- Average rate: $994 per year
- Average rate for teen drivers: $2,558 (female), $3,204 (male) per year
- Average rate for senior drivers: $882 (female), $882 (male) per year
- Average rate for drivers with poor credit: $2,091 per year
- Average rate for drivers with a good driving record: $994 per year
- Average rate after an accident: $1,187 per year
- Average rate after a DUI: $1,625 per year
- Average rate for minimum coverage: $943 per year
Allstate
Allstate tends to be more expensive in Texas than other providers. It has an 825/1,000 J.D. Power rating and an A+ AM Best rating. The average cost of Allstate insurance in Texas is:
- Average rate: $2,210 per year
- Average rate for teen drivers: $4,990 (female), $6,013 (male) per year
- Average rate for senior drivers: $2,015 (female), $2,015 (male) per year
- Average rate for drivers with poor credit: $3,313 per year
- Average rate for drivers with a good driving record: $2,210 per year
- Average rate after an accident: $3,429 per year
- Average rate after a DUI: $3,568 per year
- Average rate for minimum coverage: $2,162 per year
State Farm may be the best insurance in Texas when considering rates. The company also has good ratings and an easy claims process.
The average driver in Texas pays $1,745 per year for insurance. This cost can increase or decrease if you have a good driving record or accidents on your record. Where you live in Texas can also influence your rates. Houston is one of the most expensive cities in Texas for car insurance. Drivers in bigger cities in Texas often pay more for insurance.
Car Insurance Requirements in Texas
Before choosing the best car insurance in Texas, it’s important to know the state’s car insurance requirements. Auto insurance is a requirement in Texas, and minimum coverage includes:
- $30,000 personal injury liability per person
- $60,000 personal injury liability per accident
- $25,000 property damage liability per accident
This means that regardless of the insurance provider you choose, your policy must include at least a minimum of this coverage. Every driver in Texas must have insurance. If you’re new to Texas, you have a maximum of 30 days to register your vehicle, which requires proof of insurance.
Failing to carry the minimum insurance requirements on your vehicle in Texas can lead to a ticket, fines, and even a driver’s license suspension. Drivers must carry proof of insurance with them at all times, but Texas does allow the use of digital insurance cards.
Finding the best car insurance in Texas requires you to compare quotes based on your driving record and insurance needs. State Farm is a top choice for Texas drivers, but if you have less-than-perfect credit and are eligible, USAA might provide you with better rates.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.
