Top 5 Best Car Insurance In Texas 2023

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In Texas, everything might be bigger, but your auto insurance or car insurance premium may not be. Costs for car insurance vary depending on a number of things. Compared to the $1,582 national average, Texas’ annual cost of car insurance is $1,467. However, if you reside in one of the larger cities, you might have to spend substantially more. For instance, drivers in Houston and Dallas typically pay more in annual fees than drivers in other Texas regions.

When it comes to finding the best car insurance in Texas, residents have a variety of options to choose from. For those in the Lone Star State, State Farm auto insurance in Austin, TX offers reliable coverage. Additionally, if you’re in need of commercial auto insurance quotes in Texas, you can explore cheap commercial auto insurance options, especially in cities like Houston and Frisco.

Furthermore, commercial truck insurance in Houston, TX is readily available. If you’re a member of the military, USAA Texas auto insurance is a trusted choice. They provide comprehensive car insurance in Addison, TX, and offer competitive rates for car insurance in Texas overall, ensuring that you can find cheap car insurance in Texas to meet your needs.

Best car insurance companies in Texas in detail:

In the United States, a year’s worth of auto insurance car insurance┬ácosts $1,582. Drivers in Texas, on the other hand, will probably pay an average of $1,467 a year. Of the businesses surveyed below, Farmers Insurance had the lowest yearly full and minimum liability coverage, followed by State Farm.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 861/1,000 $1,238/year $425/year
State Farm 848/1,000 $1,150/year $496/year
Farmers 823/1,000 $831/year $422/year
Progressive 833/1,000 $1,324/year $566/year
Allstate 819/1,000 $1,752/year $577/year
GEICO 811/1,000 $1,187/year $522/year

5.GEICO: Best for new drivers

The cost of auto insurance is typically much higher for new drivers. Unfortunately, Texas, where 18-year-old drivers are likely to pay an average of $5,110 year for auto insurance, is no different. Despite being the second most expensive option for Texas, GEICO provides discounts to deserving individuals such as good drivers, students, and members of particular associations.

4.Progressive: Best for lowest deductible

Even while Progressive is not the only insurance provider in Texas to provide a vanishing deductible, it is the least expensive. Customers of Progressive may be eligible to lower their deductible by $50 per six-month policy (or $100 for annual renewals) if they avoid accidents while operating a vehicle during the policy term.

3. Farmers: Most affordable coverage

The least expensive insurance in Texas is provided by Farmers Insurance, with full coverage predicted to cost $821 yearly and minimum liability to cost $420. It tied with rival Progressive for last place in the lower centre of the customer satisfaction rankings with a score of 813 out of 1,000.

2.State Farm: Best for multi-driver discounts

State Farm, which ranked second on our list of the top auto insurance companies, charges an average of $1,160 year for full coverage. It offers a variety of Texas insurance. Multiple vehicles, completing a defensive driving course, and many more alternatives can all result in discounts for drivers.

1.USAA: Highest customer satisfaction

According to a recent J.D. Power survey, USAA received an impressive 860 out of 1,000 for customer satisfaction in Texas. Unfortunately, USAA does not provide coverage to the general public; rather, it exclusively provides plans to active-duty and former military personnel and their families. For individuals who qualify, USAA offers a variety of coverage options, however you might be able to locate them elsewhere for less money.

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Texas auto insurance requirements:

According to Texas law, all drivers must have the following minimum levels of auto insurance:

  • $30,000 in liability insurance for each injured individual
  • $60,000 in liability insurance for each accident-related injury
  • Liability for property damage is $25,000

How to choose car insurance companies in Texas

Consider the following if you’re looking for a new insurance company in Texas:

Request several quotes: You might be tempted to obtain a few auto insurance quotes before making a choice, but doing so can be beneficial. You not only get to view the several coverage possibilities, but you also know you’re getting the greatest deal and discounts.

Look for a licence: Not all insurance companies are authorised to do business in every state. Find out which businesses are authorised by the Texas Department of Insurance, and inquire about the ratio of consumer complaints to policies issued.

Look for financial stability: Before enrolling, investigate a company’s financial standing to learn more about its capacity to fulfil obligations. Search for financial ratings on websites like A.M. Best or Standard & Poor’s to understand their financial standing.

How much does car insurance cost in Texas?

In Texas, the average annual premium for auto insurance is $1,467, and the average cost of the required minimum coverage is $643. However, depending on your age, the vehicle you drive, and even the city you live in, the cost of auto insurance can vary significantly.

Drivers in Austin, for instance, pay an average of $1,928 annually for full coverage, while Houstonians shell out an average of $2,389 annually.

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Texas car insurance rates by city:

In some major cities with higher crime or vandalism, drivers from Texas may pay premiums over the state average. The cost of auto insurance is likely to be highest in Houston and Dallas, where costs are often several hundred dollars higher yearly than in other regions of the state.

City Avg. annual full-coverage premium
Houston $2,380/year
Dallas $2,220/year
San Antonio $1,980/year
Fort Worth $1,957/year
Austin $1,929/year

FAQs about car insurance costs in Texas

What are the minimum requirements for car insurance coverage in Texas?

According to Texas law, drivers must carry a minimum of $30,000 in bodily injury liability per person, $60,000 in liability per accident, and $25,000 in liability for property damage.

How much does car insurance cost in Texas?

The average cost of car insurance in Texas is $643 for the bare minimum coverage or $1,467 for full coverage per year.

Which car insurance companies cover Texas?

There are numerous firms that provide auto insurance in Texas, including both larger, nationwide carriers like State Farm, Allstate, GEICO, and Progressive as well as some smaller, regionally-focused carriers.

What is the cheapest car insurance company in Texas?

Texas residents could get full coverage for an average of $821 a year from Farmers, and minimal coverage for $420.

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